davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-19
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. (DC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-09-14
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: Experian Information Solutions Inc. (MO)

I am writing to formally lodge a complaint concerning several inaccuracies and fraudulent items on my credit report. These issues include multiple attempts to add inaccurate addresses, collections, and inquiries that I suspect to be fraudulent in nature. These inaccuracies are significantly impacting my creditworthiness and financial standing. I urgently request your immediate assistance in investigating and rectifying these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies and fraudulent items that require your prompt attention for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I observed multiple attempts to add inaccurate addresses to my credit report. These addresses are not associated with me, and I have not resided at these locations. It is essential that these inaccurate addresses be removed from my credit report. 

I have enclosed copies of documents that substantiate my claims, including [ attach copies of any relevant documents such as dispute letters, identity theft reports, or proof of address corrections ]. 

As per the FCRA, I demand that you : Initiate a thorough investigation into the accuracy of the disputed items and the suspected fraudulent inquiries without delay.

Notify me of the results of your investigation within the legally mandated 30-day period.

Correct or remove any inaccurate, incomplete, or fraudulent information from my credit report.

Failure to address these issues promptly and in accordance with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in full compliance with the law.
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Messerli & Kramer P.A. (ND)

XX/XX/year>. Messerli & Kramer PA acting on behalf of XXXX XXXX XXXX XXXX placed a garnishment on bank accounts without proper notification. Furthermore, 1 of the 3 accounts is a business account under its own XXXX and another of the accounts is a joint account. Joint account is used solely to pay the mortgage of my family home. A claim of exemption was filed both with XXXXXXXX XXXX  XXXX and with my financial institution ( XXXX XXXX XXXX  ). XXXX XXXX Bank claims that a release is needed from XXXX XXXX XXXX, and XXXX XXXX XXXX stated it will take, and I quote, " at least XXXX hours to review ''. I find this to be unacceptable both on the part of XXXX XXXX XXXX and on XXXX XXXX XXXX.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-19
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. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX XXXXXXXX Balance {$35000.00} XXXX looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-19
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC (GA)

I took out a loan for a XXXX XXXX XXXX XXXX XXXX. The loan amount was for 60 payments 5 years. I have paid the amount of the loan and interest. The company has added 19 more payments. In addition of paying 60 months worth of payments the company is still charging me and refuse to give me their Ein despite me asking each year for tax purposes. I am requesting that all payments be considered fair and good consideration under the provisions of the CARES ACT and that anything over 60 payments including an additional {$1000.00} be credited back to my XXXX XXXX Account and the title be sent to me immediately. FlagShip action are illegal in the extent of Violation of CARES, extortion, fraud and treason which all are punishable by law.
Consumer complaint received 2019-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (PA)

At the end of XX/XX/XXXX, around XX/XX/XXXX, I received a bill from XXXX XXXX for {$140.00}. My usual bill was {$55.00}. I called on XX/XX/XXXX to find out what was going on. They informed me that my bill went up as an introductory offer ended. At that time, I had already paid my usual portion of the bill. Unable to come to any agreement with a new price, I cancelled service. XXXX XXXX told me to wait until I received a box from them and then mail equipment back ( which I did ). I waited until the end of XX/XX/XXXXto receive a final bill. I paid the remainder of the triple bill as well as the first week of XX/XX/XXXX ( check XXXX for {$100.00} ). XXXX XXXX is reporting that I need to pay for the entire month of XX/XX/XXXX, even though service was terminated on XX/XX/XXXX and equipment returned the following week. They have turned the bill over to a collection agency " Convergent '' who is calling up to 5 times a day at all hours. They have told me if I don't pay they will be sending police to my house to arrest me. They have called at XXXX in the XXXX ( waking up everyone in the house ). I have tried to talk to XXXX XXXX but their response was " this is our policy. You have to pay. There is nothing I can do ''.
Consumer complaint received 2024-07-05
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)

A few months ago I went to apply for credit cards and the underwriting team told me that XXXX and Equifax wasn't releasing my credit file. So, I tried to retrieve my credit information via XXXX XXXX. It was odd that my app kept telling me my credit scores wasn't updating. I reached out to XXXX to see if I had a credit freeze, they said no. Also, they informed me they didn't have a credit file for me which was odd. I had good credit with very little accounts on my credit especially my XXXX. They told me they were going to investigate to see what's going on with my credit file because when I was providing my name and SSN nothing was popping up on their end. Days went by and they informed me they found my credit file, but they did something wrong because they added all this debt and accounts that aren't mine. I have proof prior to the phone call that I didn't have all the debt they put on my credit. This is unsettling for me and my credit journey. They told me they didn't have a credit file for me but when they do finally do they add debt to make a credit file which is against the law. I've had credit history since I was XXXX years old. I attached files where it shows I didn't have all those accounts on my XXXX or Equifax in XX/XX/2023 and XX/XX/2023. Now it doesn't make sense. Also, I listed a few laws from the FCRA that this action has violated me and my credit. 

15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( i ) 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. 

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (NV)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Onity Group Inc. (FL)

***urgent help needed *** PHH , servicer for XXXX illegally Forclosed on my home on XX/XX/XXXX violating RESPA , Dual Tracking, & Due Process. I am requesting Void/Cancellation of the forclosure sale that took place of my home and causing severe XXXX  and XXXX for me. For seniors is there an Elderly Financial Exploitation claim I can make? This is blatantly unlawful right? Despite ME reaching out 3x on 3 different days nearing the 'sale date ' then I was never replied to by the bank 's representative NOR the banks legal representatives. I emailed Legal and the rep at PHH asking them who will put in a cancel ( this 'cancel ' has been done before. ) It is clear PHH/XXXX NEVER intended to 'help ' after numerous mailings to me to the contrary and confirming receiving my documents within the time frame ALL documents. I keep documentation ask me! Imagine, NO ONE available to offer me legal advice, pro bono is too " busy '', and I know no one to ask for help and given the history & XXXX. of XXXX, I felt they would pull this but I was helpless to the devastation which lay before me. XXXX perpetrated fraud. I still never got an answer. So after an emergency petition I have a hearing XX/XX/XXXX without a lawyer not knowing what to say. Can anyone Assist on what I should do please or next step? Please I am Senior at XXXX & love my home of 19 years and no place to go!
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

disputed the late payments reported on XXXX XXXX. 
XXXX. Equifax never reversed them ... They did not even send me any proof as to why they will not correct it.. Please take care of this error and remove the late payment CFPB
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CO)

Since XXXX of XXXX I have closed this account with XXXX people and reported it to credit bueraus. They ( XXXX ) stated I had a balance and have charged me interest since XXXX of XXXX, when the account is and has been closed. I have spoken to ( XXXX ) since XX/XX/XXXX asking them to close account and why am I still being charged interest on a closed account XXXX XXXX {$71.00} was paid on balance of {$140.00} then another payment was paid XX/XX/XXXX for {$71.00} and Paid In Full no balance. did not recieve another statement until XX/XX/XXXX stating my balance was {$170.00} with payments totaling {$100.00} with a {$30.00} credit? oweing new balance of {$40.00}. I did not understand since 2 payments of XXXX were paid in XX/XX/XXXX, so I paid the {$40.00} in full and called to close account. I did that on XX/XX/XXXX talking with a person called XXXX and closed account @ XXXX XXXX XXXX I requested a confirmation email which I never recieved, then in XX/XX/XXXX I got a statement stating I had a balance of + {$62.00} and was charged a late fee and a past due amount for the total of owing {$62.00} with minimum payment of {$36.00}. I paid it in Full and once again I called to close account with XXXX, asking for confirmation. XXXX transfered me to XXXX spoke with XXXX XXXX and got XXXX  # XXXX. On XX/XX/XXXX @ XXXX XXXX XXXX I spoke XX/XX/XXXX with XXXX because I had not yet recieved the email confirmation I was to recieve. Since then they have been emailing, calling, leaving messages and pretty much harrassing me to pay on a 3-4 x closed account. 
It has caused havic on my credit report, effected my score. 
Comenity Bank.XXXX has caused damage to my credit. 
I don't know what else to do. I am not a wealthy person and I am not going to continue paying this preditory company. 
Thank you,
Consumer complaint received 2023-07-03
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 2024-05-22
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: Experian Information Solutions Inc. (NY)

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 ).
Consumer complaint received 2024-06-12
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)

My account with XXXX XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 XX/XX/year> XXXX XX/XX/year> 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. 


XXXX XXXXXXXX XXXX XXXXXXXX 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 2024-08-14
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. (NY)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX