davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (SC)

I would like Apple Card-GS Bank USA to stop sharing my nonpublic personal information with nonaffiliated third parties, including the consumer reporting agencies : XXXX, XXXX, and XXXX.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

Barclay Card US is supposed be sending me a copy of the decision made regarding a dispute against XXXX XXXX from XX/XX/2024. Ive requested the document four times and they said they were mailing it ( once in XXXX and three times in XXXX ). I have not received a copy of the document yet. The company denied my request to receive the document via email or fax. They also refused to upload it in my account online.
Consumer complaint received 2024-05-30
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-30
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 looked on my report back on XX/XX/year> and notice some things are incomplete and not accurate. 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. 

Thes account Names are XXXX XXXX XXXX ACCT XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX XXXX Divison of child support acct XXXX Division of child support ACCT XXXX XXXX XXXX bank ACCT XXXX Nations Direct ACCT XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX Account report and last date active are not reporting accurately I sent letters on XX/XX/year> to have these accounts reinvestigated tracking number XXXX I got the investigation back but noticed nothing was updated or modified So I requested a copy of the reinvestigation which was not provided which is a violation of 15 USC1681i7 They also violate 15 USC 1681i ( 5 )
Consumer complaint received 2024-07-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc. (SC)

recently discovered several accounts on my credit report that I do not recognize, which I believe are the result of identity theft. The accounts in question are : Creditor Name : XXXX XXXX XXXX Amount Owed : {$860.00} Date XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WI)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2019-06-21
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. (FL)

Equifax ; XXXX and XXXX are reporting incorrectly late payments on the XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) These education loans came of out deferment status. There was an email sent notifying me of the status, however the email went to a SPAM folder. I never received the email notification and was not aware there was an issue until I received a telephone call. I immediately took care of the issue and was assured that my account would be corrected and the lates would be removed from my credit report since I never received any notification. To date the lates are still being reported. This incorrect reporting is harming my credit score. Please delete these lates from my credit report.
Consumer complaint received 2024-05-30
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. (NY)

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 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

I have cancelled a flight with JetBlue in which I used my Barclays JetBlue  credit card in the amount of {$340.00} plus my original XXXX points of XXXX ( which they say is the equivalent to XXXX in XXXX points ). I was refunded the XXXX in XXXX points but not the actual credit of {$340.00}. If XXXX XXXX XXXX is the equivalent to {$75.00}, how can XXXX XXXX points be the equivalent to {$340.00}. The points that were redeemed for XXXX is an example of comparing cash and the points which are not equal. The bottom line is that I did not use the flight services. I am requesting a full credit of {$340.00}.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (NJ)

I was in foreclosure for some time, my lender would not send the modification papers back in time for sheriff 's sale. The investor had asked me to buy the house from them after sheriff 's sale. But investor wanted me to move out then close our new loan and move back in. It was a ploy to get me out of my house that I put 20 % down when I bought in 2005. The investor had about 100 mortgages with the same bank as mine. There were definitely deceptive practices don'e to me, so the investor could get my home for XXXX on the dollar. I feel like I was ripped off my life and forced to rent now for last 8 yrs. I want to own my home again very soon can anyone help me.
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. (FL)

I am writing to bring to your attention a concerning issue regarding inaccurate reporting on my credit reports by Equifax and XXXX. According to my credit reports from these agencies, there is a late payment recorded from XXXX XXXX XXXX XXXX in XX/XX/year>. Equifax is indicating a 60-day late payment, while XXXX is reporting a 30-day late payment. However, I would like to assert that these reports are entirely inaccurate, as I have never been late in making payments to XXXX XXXX XXXX XXXX. 

As a responsible consumer, I closely monitor my credit reports to ensure accuracy and maintain my financial integrity. The erroneous late payment entries not only misrepresent my creditworthiness but also violate my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies must provide fair and accurate information, and it grants consumers the right to dispute and rectify any inaccuracies in their credit reports. 

I have taken the necessary steps to dispute these inaccuracies directly with Equifax and XXXX, as per the FCRA guidelines. However, despite providing evidence supporting my claim of never being late on my payments, the incorrect entries persist on my credit reports. This failure to address and correct the inaccuracies is deeply concerning and undermines the integrity of the credit reporting system. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and intervene to ensure that Equifax and XXXX adhere to their obligations under the FCRA. It is imperative that these credit reporting agencies rectify the inaccurate late payment entries on my credit reports and take measures to prevent similar errors from occurring in the future. 

Enclosed with this letter are copies of relevant documents supporting my claim, including statements from XXXX XXXX XXXX XXXX confirming my timely payments during the period in question. I trust that your office will promptly address this issue and take appropriate action to resolve it. 

Thank you for your attention to this matter. I look forward to your swift response and resolution of this dispute. 

Sincerely, 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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX 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 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NJ)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-05-20
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. (CA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 Incorrect Name XXXX XXXX XXXX  XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX 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. 


EQUIFAX 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 2023-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am filing a complaint against Select Portfolio Servicing as they blatantly did not work with me to keep my home of 18 years. 

In XXXX, I wrote to SPS to ask them for a load modification after losing my job in XXXX. I paid my mortgage until my 401K was depleted, to which I reached out to SPS in desperation. The agents lead me on and then foreclosed my home. 

I am still in counseling due to this devastating event of losing my home, depleting my 401K, and having my credit score plummet. I am XXXX XXXX XXXX with no retirement savings and I don't own a home due to my credit score. 

SPS subsequently sold my mortgage to XXXX XXXX XXXX XXXX, to which they foreclosed my home. I have already filed a complaint against XXXX XXXX XXXX XXXX for the surplus money owed to me after the sale of my home in XX/XX/XXXX. 

See attached emails.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (FL)

I initially applied for the discover card when I was doing well and finally decided to take advantage of the high credit limit {$9000.00} with XXXX interest for XXXX months even though at the time I didnt necessarily need it for anything this was roughly XXXX after a few months I left my secure job for a primarily commission paid job and after XXXX weeks I was so stressed from not making money to pay my bills I quit under duress after going to the ER with XXXX XXXX thinking I was having a XXXX XXXX. That being said I could not collect unemployment and had to pay my own health insurance and other payments which were very high and even had to take cash advances to pay my rent etc. I tried paying for quite a while at least the minimum payment until the XXXX interest ran out then the payments were in excess of {$200.00} and every time I missed XXXX it got higher way out of control to where it is now {$1100.00} minimum payment due I called XXXX or 3 times begging them to work with me within my means and there was absolutely XXXX options so I stopped trying months ago and told them they need to dissolve the debt as I will no longer pay them any money due to them not making it possible for me to catch up. At this point I cant even log in to my account and have no idea what it even looks like anymore meanwhile I have them blowing up my phone every day starting at XXXX XXXX then every hour or XXXX all day every day and I can no longer deal with the stress and do not feel I should have to change my phone number to make it stop. I currently work as a gig worker and am also months behind on car payment rent and even phone I make barely XXXX a year my car is {$420.00} a month my rent is {$1200.00} and insurance phone etc about another {$500.00} a month. I wish to dissolve this contract and debt and have it not affect my credit for the next 7 years.