davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
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. (IA)

in accordance with the fair credit reporting act this creditor has violated my rights. under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666b a creditor may not that a payment on a credit card account under a open and consumer credit plan as late for any purpose
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AR)

Subject : Formal Complaint Regarding Inaccurate Reporting of Bankruptcy by Major Credit Bureaus Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding the inaccurate reporting of a bankruptcy on my credit report by the major credit bureaus. Both the credit bureaus and the courts have provided conflicting information regarding the status of this bankruptcy, leading to unnecessary confusion and damage to my credit profile.

The credit bureaus have stated that the court confirmed the bankruptcy, but upon further investigation and correspondence with the courts, I have found that this information is incorrect. The courts have denied any confirmation of the bankruptcy in question.

Furthermore, despite my requests, the major credit bureaus have failed to provide adequate proof or documentation to substantiate their claim of the confirmed bankruptcy. As a result, this misinformation is unjustly impacting my credit score and financial standing.

I kindly request that the major credit bureaus promptly remove the inaccurate bankruptcy information from my credit report. This misleading data is causing me undue distress and hindering my ability to access fair and accurate credit opportunities.

I trust that the CFPB will investigate this matter thoroughly and ensure that the major credit bureaus rectify this error in a timely manner. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-06-16
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. (SC)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly UPDATE all information that is inaccurate, incomplete, or which can not be verified.

Under 15 U.S. Code 1666b ( a ), 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 ) is mailed or delivered to the consumer not later than 21 days before the payment due date.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be PROMPTLY updated/negated in its entirety. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be UPDATED immediately. 

Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX XXXX Account # : XXXX Account Status : Closed I have no knowledge of late payments because THERE ARE NONE and all 3 credit bureaus are showing different dates which again proves inaccuracy. 

I AM DEMANDING THAT THIS ACCOUNT BE UPDATED IMMEDIATELY TO PAID AS AGREED AND NEVER LATE. 

I HAVE SENT LETTERS TO ALL XXXX CREDIT BUREAUS MULTIPLE TIMES!!! ASKING THEM TO LOOK INTO THE PROBLEM AND CORRECT THE ISSUES THERE. THIS INACCURATE INFORMATION ON MY REPORT IS NOW HINDERING ME FROM PURCHASING A HOME AND GOING ABOUT MY LIFE AND IF IT IS NOT FIXED WITHIN THE NEXT WEEK I WILL BE TAKING THIS UP WITH MY ATTORNEY TO TAKE LEGAL ACTION.
Consumer complaint received 2024-05-27
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, XXXX XXXX, XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX : XXXX XXXX XXXX UCC 1-308
Consumer complaint received 2024-06-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (UNITED STATES MINOR OUTLYING ISLANDS)

Hello, My name is XXXX XXXX and I am filing a complaint on Carrington Mortgage. 
XX/XX/XXXX. I called the insurance agency to get hail and windstorm information for the roof claim. I was told by XXXX from the XXXX insurance agency that I use, that I don't have hail/windstorm insurance since XX/XX/XXXX. She stated that XXXX sent Carrington Mortgage multiple requests for payment that was not sent. 
I called Carrington Mortgage and initially spoke with XXXX who told me I had insurance. She stated that she would investigate more to see why my agent said I didn't have insurance. She later found that the statements did show I had insurance but no check was ever sent. She connected me to a supervisor and claimed I needed a quick issue so I could make a claim. This was a back-and-forth issue with the company that was without progress. After repeated calls and speaking with multiple representatives and supervisors, I then spoke with XXXX who got XXXX to complete a quick issue so I could claim my roof. XXXX stated that I would be receiving an email with a waiver form so I could start the claim process. I never received the email. I called again on XX/XX/XXXX for more insight and to let them know I did not receive the form. I spoke with XXXX ( XXXX ) who stated that the insurance process center received the email for the quick issue. However, no one could tell me how this issue happened or how it would be resolved. Carrington Mortgage did not pay my wind and hail insurance premium but in their records, it showed that I had insurance. They did not contact me for anything and now I have a roof with damage that needs to be taken care of. The mortgage company 's neglect of paying for my premium when they were supposed to pay it has put me in a horrible predicament. I need this to be resolved and someone to be held accountable for dropping the ball. Carrington is being neglectful on their part. This looks like fraud and possibly theft of my funds I have attached forms showing XXXX 's request for payment and an Escrow statement acknowledging I have coverage in their records
Consumer complaint received 2024-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

XXXX Received an inaccurate bill ( {$620.00} ) for XXXX XXXX done on XX/XX/XXXX. I did not have this procedure done on this date. I called XXXX XXXX XXXX XXXX  as soon as I received the bill, spoke with XXXX XXXX and explained to him that the XXXX was actually done on XX/XX/XXXX, and I paid for it ( {$530.00} ). I sent him the receipt by email ( on XX/XX/XXXX ) and the mistaken bill was resolved. 

XX/XX/XXXX, I received a phone call from the billing department of XXXX XXXX stating that I still owed the mistaken bill of {$620.00}. I explained the situation again. I asked to speak to a supervisor and get it in writing that the issue was resolved. She told me that the supervisor would call me back but I never heard back. 

XXXX I receive another bill, but this time for a different amount ( {$520.00} ) for a XXXXXXXX that I did not receive on XX/XX/XXXX. I called and disputed the mistaken bill again. 

XXXX I received another copy of the same mistaken bill. 

XXXX I send a letter in writing, explaining that this XXXX was NOT performed, wrote out all of the communication that I took ( same as above ), and sent in a request to dispute the charges, remove the bill, and cease all communication with collections, I also included all receipts of letters and paid bills. I did not receive a response. 

XXXX Sent a second written letter to XXXX XXXX XXXX explaining the whole situation again, and sent in copies of all letters, bills, and receipts. I have not received a response. 

XXXX XXXX Received a letter from Progressive Management Systems XXXX stating that I still owed {$520.00}. I sent a letter ( XX/XX/XXXX ) explaining the mistaken bill and also sent all copies of letters, bills, and receipts to Progressive Management Systems. I have not received a response. 

XXXX Progressive Management Systems contacted all credit bureaus and reported a collections, which has now affected my credit report by decreasing it by XXXX points. I have just submitted an account dispute with XXXX. Progressive Management Systems have contacted the credit bureaus without trying to even resolve their mistake.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I request your assistance in resolving this matter.
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I bank with BoA. An ACH check was drawn from my account into a XXXX XXXXXXXX XXXX  check. The payee received the check and is holding onto it, but doesn't want to cash it because it was made out to the wrong person. We all want the check to be canceled and my account refunded. 

BoA is unable to get the check canceled or refunded back to my account. This if for ~ $ XXXX and it appears the money is lost. BoA is unwilling to credit my account while they resolve this issue between banks.
Consumer complaint received 2024-05-27
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2024-05-27
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 am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have not applied for credit with Capital one in 2023. That's a hard inquiry that I haven't done. 
I have never lived in XXXX Texas. 
This needs to get fixed asap. I don't know who did this but it wasn't me.
Consumer complaint received 2024-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX.La.  XXXX SSN : XXXX XX/XX/XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX Account # XXXX Notice to agent is notice to principal notice to principal is notice to agent { CAPITAL ONE # XXXX } I sent in a dispute to your company regarding some inaccurate and incomplete information that is being furnished on my consumer report at { XXXX XXXX XXXX XXXX XXXX } You received my dispute letter on { XX/XX/XXXX } by certified mail tracking number # { XXXX XXXX XXXX XXXX XXXX XXXX } } It has been well over 30 days and you have not responded. This information by law must be deleted. 
15 USC 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true. Id. at 1303. If the furnisher does not already have such evidence, it must seek out and obtain it before reporting that the information is verified. Id. at 1303 ; see also Blacks Law Dictionary ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
You not responding to my dispute within the 30 day period allotted by law proves you can not validate or verify this account. 
Delete this account { CAPITAL ONE # XXXX } from my consumer reports. 


XXXX XXXX XXXX Without Recourse UCC 1-308
Consumer complaint received 2024-05-27
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. 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 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2024, a purchase of {$120.00} was made to my Capital One card from XXXX. The purchased item was an XXXX XXXX ( XXXX XXXX ). In compliance with the return policy, the item was returned on XX/XX/2024 to an XXXX XXXX. After contacting XXXX on XX/XX/2024, it was advised to wait longer for a refund. So I waited and then opened a dispute with Capital One the following day. A credit was applied that same day. Upon request on XX/XX/2024, I provided additional documentation for the case, including an explanation of the situation and the case was closed in XXXX 's favor on XX/XX/2024. The purchased merchandise is not in my possession and the charge is still being billed to me.
Consumer complaint received 2024-05-27
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CO)

Chase is not allowing me to login to my account.

They debited the account negative on a fraudulent charge. 

There is no outstanding balance on the account. The account was closed with a XXXX balance. Chase by their own omission has said payment is voluntary. 

I had one dispute approved and the issue happened again. 

The landlord was charging my rent payment and taking out other fees. This is not only illegal in the state of Colorado, but is a fraudulent charge on the account. 

Chase chose not to refund me and is now restricting access to bank statements and account history that would allow me to directly receive a refund from the landlord. 

Now I have bill from the landlord for the disputed amount that was already sent back to them. 

All disputed were for the very same reason, so there is no reason the final dispute was not approved for the full amount.
Consumer complaint received 2024-05-27
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)

XXXX continues to show information on my credit report after I sent numerous items to them showing I was a victim of ID theft through numerous data breaches. I attached all the proof and even told them I wrote to each of the companies I disputed with to ask for proof of how these accounts were opened in my name. NONE of them responded with any proof and all I got is a letter saying " We understand your concerns but have not found reason this is ID theft or fraud ''. I asked THEM to produce proof of how these were opened so I can dispute factually each thing they are reporting wrong, but each company not only produces no proof, they and XXXX continue to report these files on my report inaccurately. The companies in questions are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  who not only fails to investigate, they passed this off to a 3rd party collection, blocking every attempt I make to look deeper into this. 

XXXX now makes my ability to review my files or dispute online unavailable and I can not dispute numerous items including those above. Same with Equifax. Nobody investigates properly, nobody looks into materials I have provided showing data breaches and nobody fixes my accounts