davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

I am writing to formally lodge a complaint against Equifax for their use of stall letters in response to my legitimate disputes, which has significantly delayed the credit correction process more than twice ( 60 plus + days ). Despite providing all necessary identification information, Equifax has consistently failed to remove inaccurate items from my credit report, which is not only frustrating but also against the law. I have even submitted all required identity documents within my dispute letter, assuring that the letters are from me. 

These actions by Equifax have undermined the integrity of the banking system and have violated multiple federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). I believe that their conduct has breached at least the following five provisions of the FCRA within 15 U.S. Code 1681c.

Despite multiple attempts to resolve these issues, including the submission of my identification information, Equifax has persisted in its use of stall letters as a tactic to delay compliance with my legitimate requests. This behavior not only demonstrates a blatant disregard for legal requirements but also significantly impacts my financial well-being. 

I request that the Consumer Financial Protection Bureau take immediate action to investigate Equifax 's practices and enforce compliance with federal laws. I urge you to compel Equifax to promptly address and correct the inaccuracies in my credit report and to cease using stall tactics in response to consumer disputes. Furthermore, remove all accounts that are not complaint with Metro2 reporting. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and will provide any further documentation or information required to support my complaint.
Consumer complaint received 2024-05-23
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. (NV)

I looked at my credit report and noticed several inaccuracies on my credit report.This account is hurting my my ability to obtain credit. I'm requesting Equifax to remove the following outdated information from my credit report. 
XXXX services account XXXX In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C.

1681c ] reporting periods only run 7 years depending on the type of information. In my case, the information in question expired as of [ XXXX XXXX XXXX XXXX. 
I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NV)

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 2024-05-22
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. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2024-05-23
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. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2023-10-19
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. (NJ)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2024-06-06
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. (NY)

I was reviewing my credit report and came across unauthorized information reporting. Please remove immediately. 

XXXX XXXX XXXX XXXX {$650.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXXXXXX XXXX  Opened : XXXX XXXX My only address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX My only phone number is : XXXX Remove all old addresses Remove all other phone numbers
Consumer complaint received 2024-05-21
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)

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 2024-06-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (CA)

Lvnv funding assured me that they would remove the charge off my credit report after I settled it completely. The negative listing is impacting my ability to secure approval for housing.

LVNV used false imformation amd misleading statements.
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: EQUIFAX, INC. (AR)

Re : Formal Complaint Against XXXX, XXXX, and Equifax Dear CFPB Dispute Resolution Team, I am writing to formally request your intervention regarding an unresolved issue with a negative remark on my credit report. Despite my efforts over the past year to address this with XXXX and the credit reporting agencies ( XXXX and Equifax ), my complaint has not been acknowledged or properly investigated. 

The negative remark pertains to a vehicle repossession that should have been removed from my credit report, as it is over XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ), this information should no longer be reported. 

However, XXXX, XXXX, and Equifax have failed to comply with this requirement. 
The CFPB should investigate and fine XXXX, XXXX, or Equifax if they do not correct my credit report. The CFPB has taken steps to ensure companies follow the law 's requirements, including investigating disputes and not providing disputed information that can not be verified. The FCRA requires consumer reporting companies to investigate when notified of incorrect or incomplete information. However, these companies have not complied with this obligation in my case. 

For your reference, I have included the following documents : - Page XXXX : XXXX XXXX XXXX 's XX/XX/XXXX Complaint to XXXX  - Page XXXX : XXXX XXXX 's XX/XX/XXXX Complaint to XXXX - Page XXXX : XXXX XXXX sent on XX/XX/XXXX - Page XXXX : XXXX XXXX sent on XX/XX/XXXX - Page XXXX : Equifax Dispute Results Confirmation # XXXX - Page XXXX : XXXX Notice of Repossession - Page 22 : Identity Verification Documents I urge the CFPB to take action and hold these companies accountable for their failure to comply with the FCRA.

Thank you for your attention to this matter. I look forward to your timely response and resolution of my complaint. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

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 2016-01-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANCO POPULAR DE PUERTO RICO (VI)

My XXXX debit card was mistakenly given to somebody else at a restaurant. My card was used by that somebody else to purchase {$75.00} worth of shipping at the post office. My bank did not inform me that there would be a {$50.00} surcharge added to my account for their " services ''. The investigation took two months and in the end only {$25.00} was rebated back to my account. Does n't the bank have the obligation to inform me of this {$50.00} surcharge that they claim is federally mandated? I would n't have wasted my time filing different claims and having the headache that I did, had I known they would be charging me {$50.00} to get back my own money ...
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX - Spoke to XXXX because I needed to disputed XXXX XXXX XXXX and add my statement proving that I paid XX/XX/XXXX and the bank held funds. 
XXXX XXXX XXXX  XXXX had to escalate a ticket to IT. They have blocked my online access after identity was provided and uploaded with XXXX. # XXXX I provided my social security, drivers license, Bankcard state and birth certificate.
Consumer complaint received 2023-08-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (VA)

XXXX had judgement for {$2300.00}. They turned it over to Southwest credit. On XX/XX/2023 I paid debt off at a reduced rate. Spoke to a person who said his name was XXXX XXXX and said he was a supervisor. Asked for written confirmation and was assured it would be mailed. Called again XX/XX/2023 and was told they would email me. No email, called again on XX/XX/2023 and was told I would have a email within 72 hours. No email.
Consumer complaint received 2024-05-23
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. (VA)

I am making a fraud complaint regarding wells fargo bank I requested information regarding checking accounts. And to make a complaint regarding accounts being opened in my name. I received {$300.00} for account fraud of over {$700.00}. I did not receive paperwork regarding complaint on new account opening XX/XX/XXXX ( I got an email verification regarding account ) And did not receive any other documents regarding the rest of payments owed. I was told accepting {$300.00} payments will not interfere with full payment owed from monies taken from account. I never received paperwork was told on XX/XX/XXXX to walk inside the nearest branch for assistance when that is impossible given the fact I no longer have an account or account number
Consumer complaint received 2024-05-07
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. (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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXXXX/XX/XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXXSection States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXXA 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 2023-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Robinson & Hoover (OK)

I had a car repossessed in 2017, willfully handed the keys over, and for 7 years never received a service or notification to appear in court to dispute the debt, and over 7 years later, my bank account was garnished and frozen. The original debt of around XXXX dollars has now became XXXX, and I was never notified. Whenever I called them to work a pay agreement, the representative for the company, Robinson HooveXXXX XXXX XXXX, refused to set up arrangements and harassed me about my workplace location, threatening to garnish my checks next, and threatened to go to my employer and talk to them.
Consumer complaint received 2018-06-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Our mortgage was sold by XXXX back in XX/XX/XXXX to Mr. Cooper. At the time we were told no changes would be made just our servicing mortgage company. Unfortunately, this was not the case.XX/XX/XXXX upon logging in to make a payment, I saw a notification of a shortage. My husbands property tax exemption was not transferred over and the shortage that was calculated was incorrect. I was told by the rep to call back 14 days later and it will be corrected. On XX/XX/XXXX I called and it was still not corrected I sent over the information via e-mail and was told it would take some time for them to complete another analysis, but it would be updated. The only thing we are paying via escrow is hazard insurance. On XX/XX/XXXX, I logged in to make a payment to see two conflicting statements. One that said my amount due was {$700.00}. And one below that said my escrow account was short by $ 39 monthly. I called Mr. Cooper and spoke to a XXXX who saw the conflicting information, and transferred me to an escrow rep, XXXX who placed me on a long hold once I explained the math and how the payment amount did not add up. I requested to have the escrow removed, and she said due to the loan not being at 80 % ( short of {$6000.00} ) she would be unable to Remove the escrow. She became very confrontational when explaining the number and I let her know that I was very frustrated because I did not request this transfer or have the ability to review any new terms that were set forth by Mr. Cooper.
Consumer complaint received 2024-05-23
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)

I am writing to dispute the validity of the alleged debt associated with the above-referenced account. As a consumer protected by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am fully aware of my rights and am exercising them to ensure the accuracy and fairness of the information reported by your agency. 

Under the provisions of the FDCPA, I request that you provide me with the following information and take the necessary actions within 30 days of receiving this letter : Validation of the Debt : Pursuant to 15 USC 1692g, I demand that you provide written verification of the debt, including the amount owed and the name of the original creditor. This verification should be accompanied by any documentation proving my liability for the alleged debt.

Cease Communication : In accordance with 15 USC 1692c ( c ), I request that you immediately cease all communication with me, except for providing the requested verification of the debt. Any further attempts to contact me, including phone calls or letters, will be considered a violation of the FDCPA.

Dispute Investigation : As outlined in 15 USC 1692g ( b ), I expect you to conduct a thorough investigation into the disputed debt. This includes contacting the original creditor and obtaining any documentation supporting the legitimacy and accuracy of the debt.

Furthermore, in accordance with the FCRA, I also request that you comply with the following provisions : Accuracy of Reporting : Under 15 USC 1681s-2 ( a ) ( 1 ) ( A ), you are obligated to report accurate and complete information to credit reporting agencies. I demand that you review the information you have reported and promptly correct any inaccuracies or discrepancies.

Verification of Reporting : Pursuant to 15 USC 1681s-2 ( b ), I request that you provide me with proof of the information you have reported to credit bureaus regarding the alleged debt. This should include copies of any correspondence or documentation provided to credit reporting agencies.

I would like to remind you that failure to comply with the FDCPA and FCRA can result in legal consequences, including potential liability for damages. I trust that you will handle this matter in a timely and professional manner, ensuring that my consumer rights are protected.

Please communicate with me solely in writing regarding this dispute, and send all correspondence to the address provided above. I expect to receive a response within 30 days from the date of your receipt of this letter.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Missing information, account status shows delinquent accounts, payment history and payments made to this company are not correct. The account shows a history and late payments which belong to another mortgage company. 
The account history and payments made are deceptive and unlawful I never had an account until the date of XX/XX/2024 its impossible to show any payment history prior to that date. 
The loan company is unfair and unethical to use payments made to another lender when account is disputed for errors.
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: EQUIFAX, INC. (NC)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.