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

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-11
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. (NC)

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 XXXX  # XXXX Original creditor : XXXX XXXX Date opened : XX/XX/XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 XXXX 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 2020-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO (FL)

I have a mortgage with 1FirstBank whom is based in XXXX XXXX, PR. My home is a new construction that I closed on in XXXX of 2019 and 1FirstBank was the builder 's choice of lender, not mine. 1FirstBank was continually made error in servicing my loan and I am quite frustrated. When I call their service center, there is a language barrier and it is difficult to understand and comprehend. Most recently, {$440.00} was taken from my Escrow for " Insurance '' and I called and questioned and the rep told me is was for hazard insurance. That didn't make sense so I called a day later and another rep had me on the phone while she summoned a supervisor and ultimately found out that amount was for built up PMI. So, the original info was wrong which is dangerous. 
Furthermore, 1FirstBank did pay my hazard and flood insurance renewal 60 days before it was due based on last year 's amount not waiting for an updated bill and not taking into consideration the insurance was subject to an increase. To compound the problem, XXXX XXXX never received those payments and now that amount in addition to the increase is due. When I call, again I get so many variations in what happened to the payment. Total incompetence. 1FirstBank should not be allowed to sell mortgages in the mainland USA.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

Issue # XXXX : In XX/XX/2023, I called XXXX to inform them I was having difficulty making my credit card payments for Acct ending in # XXXX and Acct ending in # XXXX, due to an unforeseen family crisis. We reached an agreement and on XX/XX/2023 I received two Confirmation Repayment Plan letters from XXXX for both accounts which stated a monthly payment of {$110.00} for Acct # XXXX and {$130.00} for Acct # XXXX. I paid the following amounts on time per our agreement : XXXX Ending in XXXX XX/XX/2023 {$110.00} Reference Number : XXXX XX/XX/2023 {$110.00} Reference Number : XXXX XX/XX/2023 {$110.00} Reference Number : XXXXXXXX XXXX  Ending in XXXX XX/XX/2023 {$130.00} Reference Number : XXXX XX/XX/2023 {$130.00} Reference Number : XXXX XX/XX/2023 {$130.00} Reference Number : XXXX XXXX is now telling me that even though they verified via phone I made my payments on time, they have the discretion to fraudulently report to the credit bureaus that my payments were late due to the payment agreement I accepted. I honored my part but they refuse to honor theirs and this has caused me issues on my credit report. 

Issue # XXXX : XXXX does not allow customers to set up RECURRING monthly payments via phone OR online. XXXX 's online UI " Set Up a Recurring Payment '' section first automatically FORCES a customer to make a monthly payment FIRST by enabling the 'Make a Payment ' option and inserting today 's date or another date through the end of the current month with NO way to deselect that option to not make a Payment. Then when you navigate to the 'Set up a Recurring Payment ' Option below, the dropdown only allows you to select " the XXXX of the month, the XXXX of the month, the XXXX of the month etc. vs. a specific date the recurring monthly payments should start on. What this does is allow XXXX to collect DOUBLE payments for the current month, and if you do not want to make a double payment you can not set up a recurring monthly payment. This happened to me with both cards above over the summer of XXXX and I was not able to get groceries for the children for 1 week because I had not agreed to make a double payment for both cards and when I called XXXX then they said there is nothing they could do. Nearly 1 year later the problem still exists, causing financial distress for their customers. Lastly, if you can't set up recurring monthly payments XXXX will be happy to collect late fees.
Consumer complaint received 2024-07-22
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. (MI)

I still disagree with the accounts below which are still appearing on my credit report, even after multiple CFPB complaints and investigations. The inaccuracies are highly injurious to my score. This information continues to falsely manipulate my credit report. Equifax has failed to properly investigate this account after 4+ complaints. This neglect has again violated my consumer rights. I am demanding a removal of the following accounts : 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 To my understanding Equifax pledges to review and update accuracy of all items on my credit report within 30 days. If information is not consistent they are obligated to remove those inaccurate items.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry 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.

The information and Accounts listed below have violated my rights.

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. 


1. Names disputes- 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 2. Address Disputes- 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 Employer Dispute : 1. Current Employer XXXX XXXX XXXX XXXX XXXX Account Dispute XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Status and balance Request immediate deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX : Incorrect account status and balance. Resolved account request immediate deletion - Account XXXX XXXXXXX Possible Finance : Incorrect status and Balance request immediate deletion - Account XXXX : XXXXXXXX XXXX XXXX status and balance. Request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account : XXXXXXXX XXXX XXXX  NO CONTRACT request immediate deletion - Account XXXX XXXX incorrect balance and status : request immediate deletion - Account XXXXXXXX XXXX incorrect balance and status : request immediate deletion account SOLD - Account XXXXXXXX XXXX XXXX incorrect balance and status : request immediate deletion
Consumer complaint received 2024-05-27
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I sent a dispute letter to the Credit Bureau on XX/XX/year> via regular mail. The credit reporting agency has failed to acknowledge, remove and block the fraudulent information appearing on my credit reports. The credit reporting agency also has failed to provide me with any correspondence, updates, or notify me of any changes and corrections made to my report. The credit Bureau has also failed to provide me with an accurate and valid credit report. The credit Bureau was sent the following information on XXXX, XXXX : credit dispute letter that included each fraudulent account and inquiry, police report, identity theft report, state attorney 's identity theft affidavit, FCRA section 605b, social security card, drivers license, and my birth certificate. After providing this information to the credit bureau they failed to delete and block the fraudulent accounts within four business days from the receipt of notice. The fraudulent accounts are still appearing on my credit report as such : XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX {$14000.00}, XXXX XXXX XXXX XXXX {$8200.00}, US Dept XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$270.00}, XXXX. XXXX $ XXXX accounts are fraudulent and were not opened by me nor did I provide them with authorization or consent to use my information, and I also did not enter or sign into any contracts, or agreements with these creditors. The fraudulent accounts should be removed and prohibited from reporting on my credit as pursuant to section 605B which states that fraudulent information is required to be blocked and removed within four business days after the receipt of all evidence provided in which the credit reporting agency has failed to do. By failing to remove and block fraudulent accounts from my credit report within four business days of the receipt of notice of each of the fraudulent accounts, the police report, identity theft report, identity theft affidavit, section 605B of FCRA, proof of identity, and credit dispute letter. The credit Bureau is in complete violation of my rights by not complying and being completely negligent by not taking any actions to correct fraudulent accounts as required by FCRA law. The credit bureau has also been negligent in providing correct and accurate credit reports.
Consumer complaint received 2024-05-12
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. (DE)

I pulled a copy of my most recent credit report and noticed a few inaccurate and unverified accounts. According to the FCRA ( Fair Credit Reporting Act 605b & 609 ) legally, all unverified, inaccurate and unauthorized items must be removed within four days. Please conduct a reasonable investigation to assure maximum accuracy of the information concerning my credit report. The following inaccuracies are highly injurious to my report : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX ( duplicate ) - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX If the information is found to be inaccurate, incomplete, or unverifiable it must be deleted and permanently blocked from my report. I also demand that you provide actual proof that the information has been verified, not a computer-generated confirmation.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I sent a dispute letter to the Credit Bureau on XX/XX/year> via regular mail. The credit reporting agency has failed to acknowledge, remove and block the fraudulent information appearing on my credit reports. The credit reporting agency also has failed to provide me with any correspondence, updates, or notify me of any changes and corrections made to my report. The credit Bureau has also failed to provide me with an accurate and valid credit report. The credit Bureau was sent the following information on XXXX, XXXX : credit dispute letter that included each fraudulent account and inquiry, police report, identity theft report, state attorney 's identity theft affidavit, FCRA section 605b, social security card, drivers license, and my birth certificate. After providing this information to the credit bureau they failed to delete and block the fraudulent accounts within four business days from the receipt of notice. The fraudulent accounts are still appearing on my credit report as such : 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 XXXXXXXXThese accounts are fraudulent and were not opened by me nor did I provide them with authorization or consent to use my information, and I also did not enter or sign into any contracts, or agreements with these creditors. The fraudulent accounts should be removed and prohibited from reporting on my credit as pursuant to section 605B which states that fraudulent information is required to be blocked and removed within four business days after the receipt of all evidence provided in which the credit reporting agency has failed to do. By failing to remove and block fraudulent accounts from my credit report within four business days of the receipt of notice of each of the fraudulent accounts, the police report, identity theft report, identity theft affidavit, section 605B of FCRA, proof of identity, and credit dispute letter. The credit Bureau is in complete violation of my rights by not complying and being completely negligent by not taking any actions to correct fraudulent accounts as required by FCRA law. The credit bureau has also been negligent in providing correct and accurate credit reports.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANCORP (PR)

On XX/XX/XXXX a lockdown was declared in Puerto Rico due to the COVID-19 Pandemic by PR Commonwealth Governor, XXXX. XXXX XXXX XXXX. Among the governor Executive Order 2020-23 provisions to help citizens deal with the pandemic economic impact, there was a relief remedy for banks to provide a moratorium of three ( 3 ) months mortgage payments, which could be paid once the 3rd month was reached or be moved to the end of the loan. In my case, of the three choices for moratorium that the Bank offered, I applied for the Option 3, which was to move the payment for the end of the loan. This application was sent by email to Banco Santander of Puerto Rico on XX/XX/XXXX, and as of today, XX/XX/XXXX, I haven't received yet an official response from the Bank regarding my application, either for acceptance or denial of the application. I have been under the Chapter XXXX Bankruptcy Court since XX/XX/XXXX, and all my monthly payments for the debt during year XXXX and for the first trimester of year XXXX were up to date, until the lockdown was declared effective in XXXX XXXX XX/XX/XXXX, time from which I have been out of my job due to the COVID-19. I have provided follow up emails ( XXXX, XX/XX/XXXX & XX/XX/XXXX ) and telephone calls ( XX/XX/XXXX & XX/XX/XXXX ) to the Bank in an effort to find out an official response from them regarding the moratorium request, but all what I have received from them are default email letters describing their program scope and Plan availability, but nothing regarding acceptance or denial of the application. I have been paying on a monthly timely basis the loan debt through the Chapter XXXX Trustee, but obviously, its difficult to pay in full the part belonging to the mortgage until I can return to my job, which I expect to be at some point during the month of XXXX. This situation is making me to feel anxious and desperate since its my desire to protect and continue paying my mortgage, but need some relief support towards this objective.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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 XXXX days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Subject : Resolution of Identity Theft-Related Derogatory Accounts on My Credit Report Dear Sir/Madam, I am writing to seek assistance in resolving the issues related to the derogatory accounts on my credit report, which are a result of identity theft. The following actions would be fair and necessary to restore my credit profile and prevent further financial harm caused by the fraudulent accounts : 1. Complete removal of the fraudulent accounts from my credit report to eliminate any negative impact on my credit score.

2. Correction of any errors or inaccuracies in the reporting of the accounts by the creditors to ensure accurate information is reflected.

3. Issuance of a formal statement from the creditors acknowledging the fraudulent nature of the accounts and confirming their closure.

4. Assurance from the creditors that no further unauthorized accounts will be opened in my name to prevent future incidents of identity theft.

5. Reimbursement or adjustment of any fees or charges incurred as a result of the fraudulent accounts to alleviate any financial burden on me.

6. Clear communication to the credit bureaus regarding the resolution of the disputed accounts to ensure accurate reporting moving forward and to prevent any reoccurrence of similar issues.

These actions are essential in restoring my credit profile, protecting me from further identity theft-related harm, and ensuring fair and accurate credit reporting.

I kindly request your prompt attention to this matter and appreciate any assistance you can provide in facilitating the resolution of the identity theft-related derogatory accounts on my credit report. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX