davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I asked for statements from when the account was first opened but I still have not received them. I have only received statements with a balance previous balance of {$6200.00} and beyond from XX/XX/2018. Where are the statements prior to XX/XX/2018 and beyond?
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I called Equifax to get my credit report on XXXX XXXX and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b.

I also attached my credit report and letter showing that Equifax is in violation of the FCRA
Consumer complaint received 2024-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (DE)

Mr. Cooper informed us that we needed to pay {$240.00} to close the escrow.We were told that the amount we paid in XXXX would decrease the negative escrow amount from {$240.00} to {$18.00}. They informed us that if we waited until XXXX, the amount we would owed would be about {$18.00}, to cover the negative escrow. They said that if we paid {$18.00} in XX/XX/2024 to cover the remaining negative balance, we could close the account. On XXXX XXXX, we paid the {$18.00}. Our new mortgage was supposed to be {$1700.00}. Then they sent a new letter today stating that we owed an additional {$400.00}! And they would add the {$50.00} on to our mortgage to make up the difference. That was not what we were told. I have the phone recording from XXXX XXXXXXXX XXXX They paid one of our taxes late and we were charged a {$5.00} fee. They refused the refund it, then told us they were increasing our mortgage over {$100.00}. We decided to pay our taxes ourselves. They said that if they get a notification that we miss a tax or insurance payment they would force escrow on us going forward. I told them that we have never been late with our mortgage so why would we pay our taxes late? They are making it extremely difficult for us to take over our escrow. We are two XXXX XXXX on a fixed income and they keep doing things to adversely affect our financial stability. They don't want to hand over the escrow. The {$400.00} is a mistake that they need to fix and honor what they quoted us in XXXX.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Skrill USA, Inc. (WI)

On XX/XX/XXXX, my Skrill account got restricted after I was using the debit card to make a credit card payment via XXXX bill pay feature. 

I was asked to contact Skrill, which I promptly did and was told I had to wait XXXX hours for the review. It's been over XXXX hours and I'm not given the option to use the account again nor to remove the funds I have on it, which are now withheld there ( {$4100.00} ).
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXXXXXX - XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX - XX/XX/XXXX :
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

These accounts contain incomplete and inaccurate information, which violates my rights under the FCRA and the FDCPA. The FCRA, specifically sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ), mandates that consumer reporting agencies, like XXXX, maintain accurate and complete information in consumer reports. Additionally, the FDCPA, under section 807 ( 8 ), requires debt collectors to provide accurate information about debts they are attempting to collect.I expect prompt action to rectify this situation and await confirmation of the removal of the aforementioned accounts from my credit report. 
XXXX XXXX : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXXXX/XX/XXXX {$0.00}, XXXX XXXX- XX/XX/XXXX {$0.00}, XXXX {$0.00}, XXXX- XX/XX/XXXX {$0.00}. XXXX : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX- XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX- XXXX {$0.00} XXXX XXXX- XX/XX/XXXX {$0.00}. 
Equifax : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX- XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX {$0.00}, XXXX- XX/XX/XXXX {$0.00}.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have provided to XXXX, XXXX  and Transunion, proof that I have never been late on my XXXX  accounts. I have requested that they remove the lates. I have uploaded the proof they need dating back past when they said I was late. XXXX told me they reported it in error but still nothing has been done. I am extremely frustrated by the lack of help all three credit bureaus have been.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to formally complain about the inaccurate information on my credit report. Specifically, the Date of Last Activity, Date Opened, and Date Last Reported for certain accounts are incorrect. 

Despite my previous dispute, you have stated that the accounts were verified, but no changes have been made to correct the inaccuracies on my report. These errors are affecting my credit, and I request that you take immediate action to either : Correct the inaccurate dates on my report. 
Remove the inaccurate accounts from my report if the information can not be accurately verified. 
Please confirm that you have received this complaint and that corrective action will be taken promptly.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Dear CFPB, I am writing to vehemently dispute the egregious misuse of my credit by multiple companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. These companies have brazenly violated the Fair Credit Reporting Act ( FCRA ) by accessing my credit report without my express consent or a legally permissible purpose. 
I demand that you investigate this matter immediately and take swift, decisive action against all of the aforementioned companies for their reprehensible conduct. Their blatant disregard for the FCRA is unacceptable, and I expect you to hold them fully accountable for their actions. 
Furthermore, I insist that the hard inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX be promptly removed from my credit report. These unauthorized inquiries have negatively impacted my credit score, and I should not have to suffer the consequences of their unlawful behavior. 
It is outrageous that these companies have flagrantly disregarded my rights and the law. I am filing this dispute to demand justice and expect you to take aggressive measures against these companies for their deplorable actions. I trust that you will take this matter seriously and ensure that justice is served. 
I expect to receive a comprehensive copy of the results of your investigation as soon as possible. The CFPB must hold these companies accountable for their egregious violations of the FCRA and protect consumers from such unscrupulous practices.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Upon a recent detailed review of my credit report, I experienced significant distress due to discovering numerous items that are unverifiable, invalidated, inaccurate, and highly questionable. Your agency has clearly failed to ensure the accuracy of the information reported. 

In strict accordance with the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), the accounts in question are in direct violation of these legal requirements due to their inaccuracies. I demand immediate correction or removal of these erroneous entries. 

Attached are copies of all relevant correspondence for your reference. I expect prompt action to rectify this matter.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I would like to dispute off the following inaccurate account on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$15000.00} XX/XX/XXXX XXXX : XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX {$640.00} XX/XX/XXXX XXXX : XXXX Account Number : XXXX {$15000.00} XX/XX/XXXX