davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am sending this complaint to express my deep frustration and disappointment regarding the ongoing issue with removing fraudulent items from my record, despite multiple attempts to resolve the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply troubling that the issue remains unresolved. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Additionally, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred due to this persistent error. With this, I am requesting your assistance to remove these fraudulent items from my credit file : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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 looked at XXXX credit reporton XX/XX/year>, and not notice somethings are incomplete and not accurate. and accurading to the fair credit reporting act when ever a consimer reporting act when ever a consumer reporting agency prepare a consumer report it shall follow rewsonable procedures to assure maximum possible acuracy of the information concerning the individual about who the report relates according to 15 U S C 1681 ( e ) ( b ).

and according to 15U S C1681 i 5 they are supposeto do this ( 5 ) treatmen of inaccurateor unverifiable information ( A ) in generalf after reinvestigation under paragragh 1 ) ofany information disputed,15 U S C 1681s-2 they are suppose to not funish any information, please delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # # # # XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I opened an online on XXXX/XXXX/3023. The account was up until two or three days later it restricted without reseason. 
I reached out to the bank to why it had been closed but everyone I tried to speak with would not talk bout the reason for the restriction. 
The online application said that if I opened the account I could receive {$220.00} as long as have my income direct deposit to that new account that I opened. 
About two weeks later, after calling so many times for and answer about the restriction on the account, receive a letter telling to call the bank as soon as possible to find out what the issue was but I did that and still no answer given. 
In addition, the letter that was sent wasn't even a letter disclosing the consumer reporting agency they used which I thought was very uncommon. 
I told them that there is a conspiracy between them and XXXX XXXX XXXXXXXX. The reason I am saying this is because on XX/XX/2023 I opened the account first with XXXX XXXXXXXX XXXX and they immediately declined my application for and account. On the XXXX/XXXX/XXXX  I opened an onli account with chase bank but suddenly it was restricted without cause. XXXX XXXX XXXX  sent a letter, from a specialty agency which I found out is owned by both XXXX  XXXX XXXX and Chase bank and I believe chase denied me because of information given to them by XXXX XXXX XXXX.
Consumer complaint received 2024-07-30
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. (SC)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-06-17
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: WELLS FARGO & COMPANY (FL)

Good day, My complaint is against Wells Fargo for improper use of my information, I reached out to them personally after getting nowhere disputing unlawful reported information on my consumer profile to the third-party reporting agencies my dispute is for the LATE PAYMENT there choosing to report and LATE PAYMENTS are illegal according to the LAW Which states 15 USC 1681A ( 2 ) ( A ) ( i ) ( 2 ) consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I did not give permissible propose to report, sell nor furnish any of my private information and this was on XX/XX/XXXX they reached back out to me and said they received my inquiry and will get back to me well XX/XX/XXXX I received a letter in the mail saying and I quote under Credit Reporting : Per the enclosed Consumer Credit Card Customer Agreement & Disclosure Statement ( Agreement for your account Wells Fargo may report information about you to consumer reporting agenciesetc but what they fell to recognize or acknowledge what is and what is not apart of ones consumer report by LAW which I stated and pointed out to them and they bluntly dont care and choose not to follow the LAW about unlawful reporting so Im filing this complaint and contacting other institutions, to outline the clear and obvious breaking of the law after I notified and Warned them of this inaccurate and unlawful reporting without my written permission which is also identity theft according to 15 USC 1681b ( 2 ) several laws have been broken but there not the only corporate just one of the last ones on a journey to reclaim justice I hope you can aid me in this matter maybe they will get a better understanding of what is and is not allowed by LAW upon someone consumer report because LATE PAYMENTS ARE NOT
Consumer complaint received 2023-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I keep getting calls from portfoliorecovery first the said I owed from XXXX  almost XXXX after which I said I have no recollection of this cc ( I initially thought it was from XXXX which I have had a dispute with ) then they mentioned other debts I already called them before to explain this situation they started asking me many questions I was fearful this was so.e kind of fraud. I am poor on XXXX I survive on XXXX each month. I have only XXXX cc which I don't use put pay a little on an old charge which is almost finished without issue I don't believe I owe this. Because I have limited income I can not pay for cc nor would I charge anything anymore since I am on ss
Consumer complaint received 2024-05-29
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-29
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. (GA)

I disagree with account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, Account XXXX ) in accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (PA)

Fays Servicing took a loan that was originated from XXXX XXXX XXXX with automatic withdrawal of payment on the XXXX of every month since XXXX the amount of the loan was withdrawn and there was never a missed payment until Fays Servicing the original loan was for {$32000.00} in XXXX from XXXXXXXX XXXX XXXX and as if this is even possible as of XX/XX/XXXX the pay off for Fays Servicing was {$30000.00}. My house was sold at sheriff sale on XX/XX/XXXX at my age of XXXX Im a veteran and the best part is Im being evicted TODAY from the home Ive had since XXXX due to Fays Servicing and not accepting my payment or how about Fays Servicing not continuing the automatic payment withdrawal which I signed up for at the beginning of the loan in XXXX. To think XXXX XXXX XXXX agreed for an order of possession and again TODAY at XXXX XXXX XXXX Im going to be escorted out of my home by the constable. Due to greed from the XXXX XXXX he cashed the checks I paid to him but he didnt receive payment from the tenants in a trailer that sits on my land the trailer isnt mine but again a XXXX XXXX XXXX veteran with health issues including hooked to a XXXX XXXX XXXX will be homeless from a loan that I never missed a payment until Fays Servicing took loan over sadly if you do the math from XXXX til Fays Servicing date of taking the loan at {$450.00} per month I paid back at least double what I borrowed. Again Im being punished over Fays Servicing and their tactics of taking advantage of a XXXX XXXX XXXX citizen. Im not going to stop until my home is returned to me and possibly compensated for overpaying on this loan
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX, Experian, & XXXX are reporting several late payments on several accounts, these late payments are adversely affecting my credit and I have requested that XXXX, Experian, & XXXX provide me with evidence that these late payments are indeed correct. 

The account in question 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-05-28
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 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

Account number XXXX his is for Barclays master ring credit card department In accordance with the fair credit reporting act XXXXt 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 a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since this was your fault for understaff during covid 19 and could not accommodate pay by phone within 24 hours. all 3 credit agencies have all different reporting data on late months. please correct to show no late payments ever occurred. see screen shots from my attorney.
Consumer complaint received 2024-08-06
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. (IL)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX XXXX XXXX  they are causing me.
Consumer complaint received 2023-09-12
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. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXXXXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally lodge a complaint against XXXX XXXX XXXX ( XXXX XXXX ) concerning a fraudulent account that has appeared on my TransUnion credit report. Despite having successfully disputed this fraudulent collection with XXXX, which has since removed it from my credit report, the same collection remains on my TransUnion report, causing undue harm to my credit standing. 

This account is not only fraudulent but also in violation of federal regulations, specifically XXXX CFR XXXX ( b ) ( XXXX ). XXXX XXXX has failed to provide accurate and complete information regarding the debt, thereby infringing on my consumer rights. 

To provide context and supporting evidence for my complaint : XXXX. **Fraudulent Account Details : ** - Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Amount : {$170.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Dispute with XXXX : Successfully disputed and removed from my credit report. 
- Dispute with TransUnion : Disputed but remains unresolved. 

XXXX. **Regulatory Violation : ** - XXXX CFR XXXX ( b ) ( XXXX ) : XXXX XXXX has not provided accurate information regarding the debt as required by this regulation. This includes a failure to validate the debt and provide necessary disclosures. 

XXXX. Discrepancies in XXXX XXXX : My credit report with TransUnion contains incorrect names and outdated addresses that I have requested to be corrected, but these errors remain. 

The presence of this fraudulent account on my TransUnion credit report continues to negatively impact my credit score and causes undue stress. I request that the CFPB investigate this matter promptly and take appropriate action to ensure that XXXX XXXX  complies with federal regulations and removes the fraudulent account from my TransUnion report. 

Thank you for your attention to this urgent matter. I look forward to your prompt resolution of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Recently I looked over my credit reports and noticed credit inquiries that I do not recall authorizing, made by the following companies : Inquiries : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX of inquiry : XX/XX/year> Please investigate and delete from my credit report XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
As you know, you have 30 days to complete this investigation, as per the Fair Credit Reporting Act.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).