davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

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

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 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 2024-05-01
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. (KS)

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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unlawful reporting and handling of my accounts by the following creditors : XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. I believe their actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Sections 602A and 604A ( 2 ). 

Under 15 U.S.C. 1681 Section 602A, creditors are required to provide accurate and complete information to consumer reporting agencies ( CRAs ) such as Equifax, XXXX, and XXXX. However, the aforementioned creditors have failed to accurately report my account information, leading to discrepancies and inaccuracies on my credit report. 

Furthermore, under 15 U.S.C. 1681 Section 604A ( 2 ), consumers have the right to dispute any inaccurate information on their credit reports. Despite my repeated attempts to dispute the inaccuracies associated with the accounts mentioned above, the creditors have neglected to conduct a reasonable investigation into the disputed information and have failed to correct the errors. 

As a result of the creditors ' negligent reporting practices and failure to address my disputes, my creditworthiness has been unfairly impacted. These inaccuracies have hindered my ability to obtain credit on favorable terms, secure housing, and pursue other financial opportunities. 

I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action against the creditors for their violations of the FCRA. Additionally, I urge the CFPB to ensure that the inaccurate information on my credit report is promptly corrected to reflect the true and accurate state of my financial history. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I received numerous messages and then a letter demanding payment from TRUIST BANK. I thought it was a scam because as soon as my account was turned into a Truist account I cancelled the account and credit card. That was more than two years ago. I spent more than an hour on the phone with 2 people I couldn't understand very well and then, after several requests, I talked to a a person in the U.S. all they could tell me was that I owed XXXX XXXX and XXXX  plus a XXXX XXXX  late fee for a purchase that involved XXXX.
Consumer complaint received 2024-05-01
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)

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 informationisinaccurate.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

I mobile deposited a check from my niece, issued by her employer on XX/XX/XXXX it cleared prior to XX/XX/XXXX and deposited it into my Chase account XXXX  months ago. The check was in good standing, and I made sure to provide all the necessary verification, including my valid Social Security card, ID, and proof of my current address. Despite making at least XXXX trips doing where ever the misleading bankers requested us to do and giving them every document they asked for, XXXX is still refusing to release my funds. 

At one point, they told me the phone number associated with her name cant be prepaid like she has it must be post pay account needed to be in her my nieces name XXXX XXXX So, I went to a XXXX XXXX store and got a brand-new plan in her name. Even after doing that, Chase claimed the phone hadnt been in her name long enough and continued to deny me access to my money ( stating the acct has to be open at least a month or XXXX at the second month third month and forth month chase still cant verify her phone is her phone so thats the reason they are withholding my very much so needed money. The crazy part is the check has already been cashed and cleared, but then Chase abruptly closed my XXXX days after that happen in XXXX XXXX! XXXX saying I hadnt provided proper verificationeven though Ive done that multiple times. 

Ive brought in her ID, her Social Security card, my banking debit card, and even a bill from XXXX showing the phone is in her name, along with the contract, yet they still refuse to release my funds. Its been months since the check cleared, and Chase has held my money without any valid reason or explanation, despite everything Ive done to try and resolve this.
Consumer complaint received 2024-05-16
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. (SC)

I do not recognize these hard inquiries reporting on my credit report I ask that they be deleted these hard inquiries is effecting my credit negatively. Ive listed the hard inquiries. 

XXXXXXXX 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (AL)

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been Account name Account number XXXX XXXX XXXX XXXXXXXX XXXX account XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-05-26
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. (AZ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (NC)

I acquired my credit report and asked Experian to ensure everything was complete and accurate according to FCRA 15 USC 1681i on XXXX XX/XX/XXXX. 

I waited 30 days and my credit report was still reporting inaccuracies after their investigation. 

I made a final goodwill attempt to have the matter cleared up on XXXX XX/XX/XXXX. 

I waited another 30 days and Experian still proceeded to furnish the inaccuracies on my credit report, damaging my credit score and making it extremely difficult to acquire a house for my family and me. 

Also, I asked Experian to update my personal information on file on XXXX XX/XX/XXXX and my information wasn't updated as I asked. 

This is a complete violation of my rights and a lack of professionalism and care from Experian.
Consumer complaint received 2024-09-09
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. (NJ)

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  Account Number : XXXX Account Name : XXXX FUNDING  Account Number : XXXX Account Name : XXXX FUNDING Account Number : XXXX Account Name : XXXX BANK Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX AUTO XXXX2024 XXXX XXXX  AUTO XXXX  XX/XX/year> XXXX 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 2023-05-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023, I disputed credit report inaccuracies with several furnishers. Despite the FCRA, they didn't inform credit bureaus about my disputes. My updated credit reports still show the wrong information, impacting my credit score. 

On XX/XX/2023, I disputed federal student loan inaccuracies with DEPTEDXXXX as I'm eligible for CARES Act relief. They wrongly reported late or missed payments, creating financial hardship and preventing me from buying a home. 

I request CFPB 's help in investigating these furnishers and XXXX  for non-compliance with the FCRA and CARES Act, and to resolve these credit report issues.DEPTEDXXXX  - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agree and remove late payments from payment history. 

DEPTEDXXXX - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agreed, never late. Remove the inaccurate late payment from my report. 

DEPTEDXXXX  - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agree and remove late payments from payment history. 

XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX XXXX XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy- Please Remove This From My Credit Report Immediately XXXX XXXX XXXX XXXX - Under 15 U.S.C 1681b Permissible Purposes Of Consumer Reports- Please delete this from my credit report immediately XXXX - XXXX - 15 U.S.C. Section 1681i Paragraph 5 Treatment of Inaccurate or Unverifiable Information. - Please delete immediately XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX  - XXXX - Under 15 US CODE 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( a ) Duty Of Furnishers To Provide Accurate Information - Delete this account immediately. 

XXXX XXXX - XXXX - Under 15 US CODE 1681s2 Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( A ) Duty Of Furnishers To Provide Accurate Information. Payment Status Is Inaccurate. - Delete this account immediately. 

Incorrect Name - XXXX XXXX  Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address XXXX XXXX XXXX  XXXX, XXXX, FL, XXXX
Consumer complaint received 2024-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

On XX/XX/XXXX, I paid for one of my loans in full. The money was taken from my account, but the information on the MOHELA website was never updated, and the loan continued to go unpaid and accrue interest. I waited XXXX business days before calling MOHELA on XX/XX/XXXX. When I spoke to a customer service representative, she stated that the payment had gone through, but she did take the steps to file a form to the accounting department, in order to ensure the payment would appear in my account. She stated that it would take XXXX to XXXX days business days for my account to update. My account still has not been updated to reflect the payments made.
Consumer complaint received 2023-03-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. I am concerned that these items are having a negative impact on my credit score, and I would like to request that they be removed or corrected. 

Firstly, there is an inquiry listed from XXXX XXXX that I did not authorize. The date of the inquiry is listed as XX/XX/XXXX. I have no recollection of authorizing this credit pull, and I request that it be removed from my credit report immediately. 

Secondly, there is an account listed with XXXX XXXX. The account number is XXXX. I am concerned that the payment status, balance, comments, payment history, and account number may be incorrect. I request that you verify this information and correct any errors that may be present. Alternatively, please remove this account from my credit report completely. 

Lastly, there is an account listed with XXXX XXXX XXXX XXXX. The account number is XXXX. Again, I am concerned that the payment status, balance, comments, payment history, and account number may be incorrect. I request that you verify this information and correct any errors that may be present. Alternatively, please remove this account from my credit report completely. 

I hope that you will take this matter seriously and take the necessary steps to correct or remove these negative items from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
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. (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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.