davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

XXXXXXXX XXXX has been reporting entries for 7 years and 10 months as of today XX/XX/XXXX without my KNOWLEDGE or CONSENT. I have requested them to provide me with the Original signed document bearing my, " XXXX XXXX '', signature as well as the date this was signed to and agreed upon, because to this day I have no recollection of giving my signature and consent. 8 years ago I was XXXX XXXX XXXX ; I could not have signed for such an account at such a young age. If they can not provide me with here said VERY SPECIFIC ORIGINAL SIGNED DOCUMENT BEARING SIGNATURE AND DATE OF SIGNING, than they must delete this account from my credit profile. 

XXXXXXXX XXXX Account Number : XXXX Open Balance : {$2400.00} Date Opened : XX/XX/XXXX Date Closed : XXXX XXXX XXXX  Date of First Delinquency : XXXX, XXXX Last Reported : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2024-06-03
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 am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX Account Number : XXXX Inquiry 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 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Subject : Incorrect Denial of Credit Line Increase Based on Inaccurate Credit Report Information Dear XXXX Customer Service, I am writing to formally lodge a complaint regarding the denial of my recent requests for a credit line increase on both of my XXXX XXXX XXXX. The denial letters I received stated that the reason for the denial was due to a late payment reported on my Equifax credit report. 

However, I have reviewed my Equifax credit report in detail, and I can confirm that there are no late payments reported. I have attached a copy of my Equifax credit report for your reference, which clearly shows that my payment history is accurate and there are no late payments recorded. 

This error has caused me considerable inconvenience and I am concerned about the impact it may have on my credit standing and financial planning. I request that XXXX promptly reassesses my credit line increase requests in light of the accurate information provided. Additionally, I urge you to review your internal processes to ensure that such errors do not occur in the future. 

I trust that you will address this matter with the urgency it deserves. Please confirm receipt of this complaint and provide me with an update on the actions being taken to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Dob : XX/XX/XXXX SS # XXXX To Whom It May Concern : I received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This is my 3rd attempt at having you delete this inaccurate information.

This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account : XXXX XXXX XXXX XXXX Balance : {$550.00} Highest Balance : {$580.00} Opened : XXXX XXXX, XXXX You have validated inaccurate information and this account is hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX Balance : {$550.00} Highest Balance : {$580.00} Opened : XXXX XXXX, XXXX The reporting of these account is in violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
How can you verify inaccurate information? You have violated METRO2 Compliance procedures and format for reporting! 
Delete this account from my consumer reports.
Consumer complaint received 2023-04-12
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 have called several times to XXXX, equifax and XXXX  regarding this fraud. I have sent them all the documentation they require to block the fraudulent information and they have not done so within the 4 day requirement which by law states 15 US code 1681c-2 " A consumer reporting agency shall block the reporting of any information in the file that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days ''
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/year> I requested a second review of the charge of {$790.00} from XXXX. Navy Federal denied the dispute stating " You were charged for the amount you owed after receiving merchandise or a service '' That is not true because I paid on XX/XX/XXXX and my stay/arrival to the rental property was XX/XX/XXXX. I paid before receiving the service. I paid for a balcony room but when I arrived I had no balcony access. The doors were boarded from the outside preventing balcony access. The business claimed they didn't know the balcony was closed. I provided proof they had notice before my arrival because a notice was posted in the elevator. An internet search of the company shows the countless XXXX complaints against this company for bait and switch scams. I provided Navy Federal with proof of documentation showing I filed complaints against XXXX with the FTC ( Federal Trade Commission ) ; XXXX  ( XXXX XXXX XXXX  ), Florida Attorney General 's Office, Department of Agriculture and Consumer Services. Yet, Navy Federal still denied the second review which indicates they allow companies to prey on banking customers with bait and switch scams.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX and XX/XX/XXXX, XXXX different credit inquiries showed up on my credit reports that I did not recognize as I was not applying for a credit card at all. The names of the inquiries were XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-05-09
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. (CT)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sarma (GA)

I am writing to express my deep concern and dissatisfaction with XXXXXXXX XXXX handling of my consumer request and their apparent disregard for federal law, specifically the Fair Credit Reporting Act ( FCRA ), as it pertains to my request for the removal of inaccurate accounts from my credit report.

The specific account I am referring to is as follows : ACCOUNT : XXXX XXXX XXXX - {$17000.00} - XX/XX/XXXX INQUIRY : SARMA XX/XX/XXXX I have repeatedly informed XXXX that the information contained in this account is inaccurate. The character of the account is incomplete, and XXXX  continues to report a charter amount that is both incomplete and inaccurate. It is essential to emphasize that information on a consumer report must maintain maximum possible accuracy, as defined by federal law.

Accuracy, as per 15 USC 1681e ( b ), is explicitly defined as being " correct in all details ; exact. '' XXXX XXXX reporting of the details of this account falls short of this standard, as they are neither correct in all details nor exact in terms of the amounts reported.

Furthermore, XXXX  is mandated by law to comply with the FCRA, as stated in 15 USC 1681. One critical provision, 15 USC 1681i, requires XXXX  to notify me of the results of any reinvestigation. However, they have failed to do so despite multiple requests.

15 USC 1681i ( 6 ) Notice of results of reinvestigation ( A ) In general : A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : I hereby request the CFPB 's intervention in this matter to ensure that XXXX  complies with federal law. I urge you to use your authority to prompt XXXX  to : Conduct a thorough reinvestigation into the accuracy of the account in question.

Provide me with written notice of the results of this reinvestigation within the stipulated time frame.

Delete the inaccurate and incomplete account information from my consumer file as required by law.

I believe that the CFPB 's involvement is essential to rectify this situation, protect my rights as a consumer, and hold XXXX  accountable for its noncompliance with the FCRA. I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am writing in response to CFPB Complaint XXXX. On XX/XX/XXXX Equifax responded to CFPB complaint XXXX, that XXXX XXXX IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. However, as of XX/XX/XXXX, XXXX XXXX is being inaccurately reported as a collection account on my Equifax credit report. The discrepancies pertain to the original delinquency date associated with this account, which has been incorrectly reported as XX/XX/XXXX instead of the actual date of first delinquency, which is XXXX XX/XX/XXXX, re-aging this account. XXXX XXXX responded to CFPB Complaint XXXX on XX/XX/XXXX, and confirmed that the correct delinquent date on this account is XXXX XX/XX/XXXX. Additionally, this account was paid in full and should not be reported as an active collection account. Despite my diligent efforts to address this issue directly with the parties involved, namely XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and Equifax, the inaccurate information has not been rectified. The violations committed by Equifax, are egregious and include : Fair Credit Reporting Act ( FCRA ) Violations : 1. Reporting inaccurate information : Equifax is reporting XXXX XXXX as a collection account on the credit report, which contradicts their earlier response that it was not currently reporting. Additionally, the account number and original delinquency date associated with the XXXX XXXX account are being reported inaccurately. 
2. Failure to correct inaccurate information : Despite the consumer 's efforts to address the inaccuracies directly with Equifax, the incorrect information has not been rectified. 
I have attached CFPB Complaints XXXX and XXXX for review.
Consumer complaint received 2019-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC (VA)

On XX/XX/2019 Scott and associates called, my fathers home, and ask for me. I do not live there. So my dad gave me the number. i called them and they ask for the last 4 of my ssn so they could identify it was me. So like an XXXX i gave them the last 4 only, of my ssn, then they claimed i was not the person they were looking for? I feel this is a scam.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (IL)

I attempted to close my PNC account by transferring {$2000.00} into my XXXX account. In error the online system had both my closed and open account on file and it was routed to the closed XXXX account. XXXX sent me documentation that the account was closed and the funds rejected. PNC still maintains that XXXX has possession of funds. Furthermore PNC is saying even thou XXXX rejected the funds when it came back to them they sent it back to XXXX in error. XXXX position is that they received the funds once only and supplied a Tracer ID XXXX. Ive talked to numerous people at PNC and the last individual stated she was escalated the call and would be researching problem. Her name is XXXX XXXX at PNC XXXX Consuner Relations. This has been going on since XX/XX/XXXX. PNC already closed my account but didnt return the {$2000.00}. I am extremely distressed over this. I am a senior caring full time for a XXXX XXXX XXXX mother and I am asking for help in resolving this.
Consumer complaint received 2024-05-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I have been a loyal XXXX XXXX XXXX member, provided by Synchrony Bank, for a long time. My payments are set up automatically to have {$220.00} paid every month. In XXXX I received a reminder text by the company to pay my bill, which I immediately thought this was suspicious because I have never received this text before. The automatic payment wasn't cancelled and I know I checked my account and it said the payment was received and good. So I regarded the text messages as spam/scammer trying to get my information, I ignored it and didn't think anything of it. I knew money was tight and was checking my accounts more proactively. Then in XXXX, I find a late fee. Now I'm upset because I was under the impression everything was good, auto payment still in effect and I know I logged into the account and verified the payment went through and the account read {$0.00} due at this time. So request the late payment be removed through the online chat and the program responds no. I'm now more confused because this is the first late payment in years, I have auto payment set up, even if its my fault every financial institution I've dealt with would waive at least XXXX late fee. I decide to pay off the statement balance in XXXX except for the late fee. Through the online chat I request to close my account and its reminds me I'll loose any points I have. I didn't think I had any points so I say no at first. Then log into the account see no points. So they lied or where deceitful to keep my account open so they could keep charging my account. I canceled the account shortly after paying off the balance with the exception of the late fee. 
Then I start getting paper statements that I owe like {$200.00} dollars or something close to that. I log into my online account because that's the only way to get ahold of them. Go on the online chat and cancel the account again. It says the account is already closed. So I call to inquire why I'm being charged. She informed me that, due of the unpaid balance it acts and inquires fees the same as an open account. Closing the account doesn't stop late fees or interest building up. I explain the situation and she also is surprised why the late fee wouldn't have been waived. That would have prevented this whole mess and I would still have an open account. The customer service reprehensive seemed to be on my side and could remove some of the fees but not all and I would still be over {$100.00}. That's ridiculous to be charged a fee after reporting the account was paid and they couldn't waive a late fee that was clearly there fault. Had I know I would have made a payment to prevent a late fee. I don't control the account reporting website or texting service. Why would you send a text message and at the same time report online the account is paid in full. It was done on purpose to get a fee that they haven't gotten from me in a very long time. Now my credit is being affected very badly due to there poor website. Very deceitful. The customer rep. was even at a lost for words.