davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
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. (OH)

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 2024-09-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brock & Scott, PLLC (GA)

XX/XX/XXXX 2024 I was served with dispossessory warrant by XXXX XXXX XXXX XXXX from XXXX XXXX. I paid the fees on XX/XX/XXXX and my case was dismissed. I currently reside in the residence. 
XXXX-I received two letters by mail from Brock & Scott , PLLC stating they were hired by XXXX XXXX  to collect the debt from the dispossessory from the above /date in XXXX XXXX, One letter had a XXXX XXXX return address and One letter had an XXXX XXXX, XXXX  return address. The letter also stated the deadline to respond was on XX/XX/XXXX XXXX I called XXXX XXXX and no one could find a past due charge on my account dated XX/XX/XXXX2024. 
On XX/XX/XXXX, I sent a debt verification letter via certified mail to both adresses listed above. 
On XX/XX/XXXX2024, I hired a lawyer, XXXX XXXX, from XXXX XXXX XXXX XXXX. 
The following week, I received a copy of the dismissal from XXXX XXXX XXXX XXXX XXXX with a different return address than the previous two letters received.

I made my lawyer aware of the three addresses for Scott and Brock. She sent two letter via certified mail to them. In her letter she informed them that the debt has been paid and I currently reside in the home. 
XXXX2024- I received a response from Brock and Scott via XXXX . Their response was a copy of the dismissal, a lease and ledger. They did not submit anything that gives me ownership to this debt because the debt doesn't exist. 
On XXXX/2024- I phoned XXXX XXXX again and explained a company named Brock and Scott has personal documents and trying to collect a debt that doesn't exist. 
On XX/XX/XXXX I received a email from, XXXX XXXX, ( portfilio manager ) stating my account is current. This is the second email from him that says my account is current. Yet, Brock and Scott are still trying to collect an imaginary debt.
Consumer complaint received 2024-08-16
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)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX 2 Late Payment Item disputed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 Late Payment Item disputed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Item disputed on XXXX XXXX XXXX XXXX XXXX XXXX 5 Late Payment Item disputed on XXXX Dept of EdXXXX XXXX XXXX XXXX  5 Late Payment Dept of Ed/XXXX ( XXXX ) 5 Late Payment Item disputed on XX/XX/2023 Dept of Ed/XXXX ( XXXX ) 5 Late Payment Item disputed on XX/XX/2023 Dept of Ed/XXXX ( XXXX ) 5 Late Payment Item disputed on XX/XX/2023 Dept of Ed/XXXX  ( XXXX ) 5 Late Payment Item disputed on XX/XX/2023 Dept of Ed/XXXX  ( XXXX ) 4 Late Payment Dept of Ed/XXXX ( XXXX ) 5 Late Payment Dept of Ed/Aidvantage ( XXXX ) 4 Late Payment Dept of EdXXXX XXXX XXXX ) 4 Late Payment XXXX XXXX ( XXXX ) 2 Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) Collection XXXX XXXX XXXX XXXX ) 5 Late Payment Item disputed on XX/XX/2023 XXXX XXXX XXXX  XXXX ) 2 Late Payment XXXX XXXX  ( XXXX ) Charge Off Item disputed on XX/XX/2023 has violated my rights. 

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 Chapters View
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (SD)

On XX/XX/year>, I spoke with a banker at Chase 's XXXX XXXX branch regarding their advertised {$300.00} bonus for opening a new checking account and setting up direct deposit within 90 days. I specifically inquired if my tax refund would qualify as a direct deposit and was assured it would. Based on this information, and the online advertisement stating " {$300.00} bonus when you open a new Chase Total Checking account and set up direct deposit, '' with no further stipulations or references to promotional terms, I opened a Chase Total Checking account online on XX/XX/year>. 
I received my IRS direct deposit of {$1500.00} on XX/XX/year>, well within the 90-day timeframe. However, Chase has refused to provide the {$300.00} bonus, claiming that tax refunds do not qualify as " government benefits, '' a term found in their detailed promotional terms and conditions not referenced in the initial advertisement. 
This refusal is based on a narrow and misleading interpretation of the promotional terms, which were not fully disclosed in the initial advertisement and contradicted by the verbal assurance given by the Chase banker. Chase 's actions constitute a violation of the Truth in Savings Act ( TISA ) and the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations.

This is not an isolated incident, as numerous other customers have reported similar experiences with Chase denying promotional bonuses despite meeting the advertised requirements. This suggests a pattern of deceptive practices by Chase.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (GA)

On XX/XX/XXXX my cash app account was charged twice in the amount of XXXX from XXXX XXXX XXXX. That next morning I disputed this charge as fraud and cash app denied my dispute now my account is XXXX overdraft with these fraudulent charges. In an attempt to call XXXX XXXX I found no number.
Consumer complaint received 2024-07-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MONEY SOURCE, INC., THE (IN)

XXXX ( cut off due to weather ) and XXXX, I call my mortgage company, I had explained my hardship. I told them I was inquiring what needed to be paid to get on track or if I could do a bereavement. The operator then said they didn't do bereavements and with the sale being so close, they were not sure there was anything we could do. I told them I had intended to get the funds from my IRA and just needed to know how much it would take to get right and stop the foreclosure sale. Then I was told I had to apply for a reinstatement before they could tell me if I could. That's not even an amount. This application alone takes 5 to 7 business days. This still wouldn't tell me if I was approved or wouldn't stop the sale. She didn't sound positive on any of this. 
I have received papers before offering XXXX possible options in their hardship assistance program. Yet when I call asking for my options, I'm told they don't have any. So while my time gets closer I'm told to call daily to see if the application becomes available for me, At which time I fill out and return for approval. She said they can't stop the sale until that time. When I have little less than two weeks. 
Thank you for your time.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (MI)

I have been trying to dispute 30 days late from my credit report because this has been affecting me from moving into my house I am in the process of getting a mortgage and I called Affirm numerous of times for them to take the 30 day late payment off because of this harming my mortgage application and they told me they aren't going to take it off
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX Balanced {$1300.00} XXXX XXXX Balanced {$720.00} XXXX XXXX  XXXX Balanced : {$4300.00} XXXX XXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-07-29
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (IN)

Ive not worked since XX/XX/year> for multiple medical / health issues which allowed an approval for a long term XXXX claim. I submitted an application to Freedom Mortgage for a loan forbearance which was denied. However Freedom Mortgage advised me that I was approved for the USDA XXXXXXXX XXXX XXXX. After never receiving any information on the USDA XXXX I contacted USDA directly via email and received a response saying that Freedom Mortgage was responsible for providing me with the XXXX Claim Form and filing said form. Since then Ive made multiple attempts to obtain the XXXX Claim form from Freedom Mortgage without success, XXXX my long term XXXX benefits have been illegally cancelled and im being represented by legal counsel. My attorneys are aggressively working with getting my long term XXXX benefits reinstated ASAP. 

Ive attached the Freedom Mortgage Assistance denial letter, email conversations, Long Term XXXX Cancellation Letter and Formal Help Letter from my attorney.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I trust this message finds you well. I am writing to bring to your attention two critical issues pertaining to my credit report that require immediate resolution.

Firstly, despite making full payment on my account with XXXX XXXX XXXX in XX/XX/XXXX, the credit report continues to inaccurately reflect a balance owed. I have diligently pursued resolution of this matter by engaging in multiple discussions with XXXX XXXX and the branch manager over the past two months. Regrettably, despite these efforts, the credit bureau has yet to be updated to reflect the XXXX balance as confirmed by the bank officials. 

Secondly, I must address a concerning discrepancy regarding a missed payment with XXXXXXXX XXXX XXXX in XX/XX/XXXX. This isolated incident is entirely uncharacteristic of my financial history, as evidenced by a pristine record of timely payments over the past three years. The missed payment occurred despite the payment being set on auto-draft, indicating a potential error or oversight beyond my control.

As I am actively in the process of securing a mortgage to purchase a home, the accuracy of my credit report is paramount. The unresolved balance and the adverse impact of the missed payment have significantly affected my credit score, potentially jeopardizing my ability to proceed with this important financial endeavor.

In light of these circumstances, I urgently request your assistance in promptly rectifying these discrepancies and ensuring the accuracy of my credit report. I am prepared to provide any documentation or evidence necessary to support my claims and facilitate the expedited resolution of these matters.

Your prompt attention to this request is greatly appreciated. I trust that you will take the necessary steps to address these issues and restore the integrity of my credit report without further delay.

Thank you for your time and consideration.
Consumer complaint received 2023-04-22
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. (PA)

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. 

Account name : XXXX XXXX Account Number XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, has violated my rights. 

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.

All Rights Reserved
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America - Complaint My Bank of America bank account was compromised. Somebody used my Bank of America Visa debit card to create a fake account on XXXX and fraudulently spent {$3100.00} over a series of illegal transactions. In essence, my Visa debit card account was stolen and used on a fake XXXX account.

I have called Bank of America numerous times... spending hours at a time. Each time, they create a claim, give me a claim number and insist they will get back to us. When we call back ( again, hours each call ), they have no records of the claim and we have to start from scratch. They pass us around multiple departments and nobody knows how to help, don't want to help, and quite frankly, they don't care at all. 

Bank of America should be ashamed at the level of service they provide. More importantly, is is our understanding that they need to refund us the money fraudulently being used on my Visa debit card.
Consumer complaint received 2024-05-22
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)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED A FRAUDULENT INQUIRY THAT DO NOT BELONG TO ME FROM XXXX XXXX. I WOULD LIKE IT REMOVE BECAUSE I DID NOT APPLY FOR ANYTHING IN MY NAME. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-13
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. (FL)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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 mor

e 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.