davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I've recently disputed account # XXXX XXXX XXXX. I've recently mailed my identity theft report and my police report to all three credit bureaus. XXXX, Equifax and XXXX. They have the documentation to support that this account is fraudulent and needs to be removed immediately. I will be uploading those same documents to this platform.
Consumer complaint received 2024-01-16
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. (NY)

Dear Madam/Sir, I hope this time you will be able to help me remove these 2 remaining inaccuracies on my credit report. I have reported these erroneous reporting for numerous times and nothing happens. They would declare that it were all verified but they have a very confusing and different narrative of information especially on the ( 1 ) date of last active, ( 2 ) account details or type, ( 3 ) date of payment, as well as on the ( 4 ) Two-year payment history.

Due to these inconsistencies and big disparity of details from you to another credit bureaus, I would like to assert my stance to have these inaccurate accounts be REMOVED on my credit report.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I appreciate your attention to the removal of some fraudulent items from my file resulting from an alleged identity theft. However, there are still items remaining that require removal. This marks my third complaint as a victim of identity theft, and I am submitting to dispute these fraudulent entries in my file stemming from the criminal activity. The disputed items are unrelated to any transactions for the acquisition of goods, services, or money that I have either made or authorized. Kindly remove the reporting of these items from my credit file, as they result from an alleged identity theft. Enclosed in this communication is my recently filed FTC Report # XXXX. 
-- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, LA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, LA XXXX. These items are unfamiliar to me, and the information provided on these entries has been deleted from other bureaus. I harbor doubts about their accuracy, and the reported history on these items remains a mystery to me. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) - Authority to decline or rescind, and FCRA Section 605B ( a ) - Credit Reporting Agencies shall remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-16
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)

Subject : Addressing Late Payments and Violation of Consumer Credit Law Dear [ Recipient 's Name ], I hope this letter finds you well. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I am writing to bring to your attention a matter regarding late payments on my account ( Account number : XXXX ) with XXXX XXXX. According to my understanding of the United States Code Law, specifically 15 U.S. Code 1605, there should not be any late payments if a finance charge was involved. The finance charge is defined as the sum of all charges related to a consumer credit transaction. 

The law specifies that the finance charge includes various charges such as interest, service or carrying charges, loan fees, investigation fees, and more. In essence, the finance charge covers all fees directly or indirectly payable by the person to whom credit is extended. 

Considering this, I believe that the late payments on my account, dated XX/XX/XXXX and XX/XX/XXXX, should not have occurred if a finance charge was involved. As per 15 USC 1605 ( a ), I request that these late payments be removed from my consumer report.

As a consumer, I am aware that accounts mentioned in this letter must be updated to " paid as agreed '' immediately under the law. Failure to do so may lead me to seek monetary damages for the violation of my rights under 15 USC 1605 ( a ) in small claims court in my city and state. I am prepared to take legal action under 15 USC 1681n civil liability. 

Furthermore, I have already submitted this matter to the Complaint portals of the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

I appreciate your prompt attention to this matter and expect the necessary actions to be taken promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (HI)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2024-01-16
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 am writing to bring to your attention a matter of significant concern arising from the Equifax data breach of XXXX, which has resulted in the illegal sale and purchase of my personal information. Despite Equifax acknowledging my victimization in this breach, no corrective measures have been taken by them to rectify the associated issues with my credit reports. Enclosed herewith is evidence substantiating Equifax 's admission of my status as a victim of the aforementioned data breach. In light of this, I am formally requesting the immediate deletion of the following illegal accounts from my credit reports : Addresses : 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 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 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 expect the Consumer Financial Protection Bureau to utilize its authority in this matter and ensure that Equifax takes immediate action to rectify the inaccuracies in my credit reports. This includes the complete removal of the aforementioned illegal accounts and the expeditious resolution of any related issues. Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will act decisively in upholding consumer rights and holding Equifax accountable for its negligence.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LoanCare, LLC (TX)

I SENT A NOTICE TO OPT OUT AND REQUESTED FORM TRUST AGREEMENT AND CONSUMER CONTRACT.THEY NEVER PROVIDED ANY CONTRACT THAT LIST THEM LOANCARE OR XXXX AND I XXXX XXXX .IN ADDITION TO THEIR LACK OF DOCUMENTATION I WAS NEVER PROVIDED DETAILS TO OPT OUT AND NEVER AGREED TO DO BUSINESS WITH THEM. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to you written, un-written, verbal, and non-verbal per 15 USC 6802. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting effective immediately.
Consumer complaint received 2024-01-16
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)

In accordance with the Fair Credit Reporting Act. The account with XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 16811 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( 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 2024-01-16
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. (NJ)

The XXXX XXXX and XXXX has been trying to force me into a contract for financial gain without my consent! I NEVER signed a contract with this company. I NEVER gave this company my social security number ; this is Identity Theft! I have reached out with this company several times and no response!
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my credit report and noticed I have two late payments posted to my account ( XXXX XXXX XXXX XXXX Account # XXXX ) that I was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with maximum accuracy according to 15USC 1681e.I never been late on this account I provided and also attached a screenshot inside this complaint with dates ( month/year ) .Please investigate and provide proof with statements showing these payments were late.If proof can not be provided i demand these payments be updated to paid on time as agreed as soon as possible as they should be due to the fact that I was never late.Thank you! Please do not disregard the screenshot attached
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

i made numerous attempts to dispute and i requested inaccurate inquiries and outdated information on my credit file.i understand that the fcra protects consumers from abusive tactics to report information on credit reports. XXXX is in violation of numerous consumer law violations such as 15 usc 1681b, c, and G.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (AL)

They current have on my credit report that I'm late for XX/XX/XXXX and XX/XX/XXXX. I'm 30 days for XXXX and its paid. XX/XX/XXXX was due on the XX/XX/XXXX and it's not set to be 30 days late until XX/XX/XXXX and XXXX shouldn't be late because it's not due yet. THe pay status should be current pay as again and the XXXX pay should be 30 days late XXXX should be okay and XXXX should be deleted and current balance
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Please remove the account XXXX from collection agency XXXX XXXX XXXX from my credit report. I sent a letter to the collection agency XX/XX/XXXX and they have failed to validate this account. Furthermore, I am on a payment plan with the original creditor XXXXXXXX XXXX, so I am confused as to why this collection agency is claiming that I owe them anything. The balance reported is not the same balance that I have with XXXXXXXX XXXX. Lastly, Equifax is the only credit bureau reporting this inaccurate information. I informed Equifax of this error in a dispute letter, and via cfpb in complaint XXXX that they were reporting inaccurate information. They failed to remove this account and they also failed to notate that this account was in a dispute on my credit report which is a violation of the FCRA. At this time, I am only asking for the removal of the account above. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MI)

I sold my home in XXXX oof 2023. At that time my mortgage was on time and no payments were due. I then started receiving harassing phone calls from shellpoint mortgage asking when i could make the payment. I explained to them over and over again i dont own the home. Its been sold. Why would i make a payment on a home i dont own?! The calls continued into late XXXX. When finally the buyers mortgage company resolved the issue by way of a XXXX way call with shellpoint. The buyers mortgage company and myself. But that didn stop them from reporting missed payments to my credit report.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: REGIONS FINANCIAL CORPORATION (LA)

On XX/XX/XXXX, I requested a balance transfer by telephone from my XXXX XXXX  credit card to my Regions Bank credit card in response to an offer that Regions Bank sent me via XXXX mail. A copy of the Regions letter confirming the balance transfer request is included in the attachments. The balance transfer from XXXX XXXX  ( XXXX ) that I requested on that date and the associated balance transfer fee ( XXXX XXXX both initially appeared on my XX/XX/XXXX Regions credit card statement. My XX/XX/XXXX Regions credit card statement has also been included in the attachment. However, as of the date of this complaint, funds in the amount of XXXX have not been received by XXXX XXXX  and my XXXX XXXX  credit card account has not been credited with a payment in the amount of XXXX ( XXXX XXXX  credit card statements covering the period from XX/XX/XXXX to XX/XX/XXXX can be provided to confirm this upon request ). My understanding from XXXX XXXX  conversations with Regions customer service is that a XXXX  was mailed to the correct address and account number at XXXX XXXX in response to my balance transfer request, but XXXX  XXXX  conversations with XXXX XXXX customer service and my XXXX XXXX credit card statements indicate that XXXX XXXX  did not receive that XXXX  and therefore no funds have been disbursed to XXXX XXXX on my behalf. I have also attached XXXX  correspondence between myself and XXXX Regions representatives who tried unsuccessfully to get Regions credit card operations to respond to my requests for information regarding this issue. Since I was unable to get a response from Regions Bank with respect to this problem via their XXXX  customer service representatives and branch management staff, I disputed the charges associated with this balance transfer request in writing in a letter that was sent via XXXX  mail on XX/XX/XXXX ( within XXXX  days of the charges appearing on my credit card statement ). That letter is included in the attachment. The XXXX  mail receipts confirming that Regions received this letter on XX/XX/XXXX have also been attached. As of XX/XX/XXXX, I have not received a XXXX  acknowledgement from Regions confirming that they have received my letter disputing the charges and that they intend to try to resolve the issue.
Consumer complaint received 2022-08-28
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. (TX)

As of XX/XX/XXXX, there are inaccurate items reporting on my EQUIFAX credit profile. I am asking that CFPB investigate Equifax for failure to protect my consumer rights. Equifax 's actions are clearly illegal as described in the information listed below. 

How can Equifax state that it has completed its investigation, including contacting the furnisher of the information, where applicable, and not provide me the exact details of their communication and validation information received? 

A summary of the discrepancies listed on my Equifax credit report are listed below : Trade : XXXX XXXX XXXX - balance {$13000.00} EQUIFAX states that this information was verified and belongs to me. EQUIFAX also states it verified the information is reported correctly. How is it possible that EQUIFAX missed the double reporting of debt on my credit profile? There is a collection account on my credit report listed by XXXX XXXX XXXX for {$10000.00} listing the original creditor name as XXXX XXXX XXXX. The XXXX XXXX XXXX account states it was opened on XX/XX/XXXX. The XXXX XXXX XXXX Payment history lists their account as " late '' during the months of XXXX XXXX. The XXXX XXXX XXXX account lists the responsibility as an individual account while XXXX XXXXXXXX XXXX lists the responsibility as a joint account. 
Once again, how is it possible that EQUIFAX reviewed my credit report and investigated my concerns, and completely overlooked this major issue? According to fair reporting practices, if the original creditor sold the debt to a collection agency, it should not continue to report a balance owed. PLEASE DELETE THE ALIVE CREDIT UNION INFORMATION AND PROFESSIONAL DEBT INFORMATION AS THEY BOTH ARE NOT ACCURATELY REPORTED ON MY EQUIFAX CREDIT REPORT. 

NOT AUTHORIZED INQUIRIES : PLEASE DELETE! 
Inquiry : XXXX - XX/XX/XXXX Inquiry : FACTUAL DATA - XX/XX/XXXX Inquiry : XXXX  - XX/XX/XXXX Inquiry : XXXX XXXX - XX/XX/XXXX Inquiry : XXXX XXXX, XXXX - XX/XX/XXXX NON REPORTING DISPUTES Trade : XXXX XXXX  THE DISPUTED ITEM IS CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NV)

XX/XX/year>, my PC was hacked ( takeover ). I then reported such ID theft to FBI and XXXX. I then went to my local Chase, XXXX XXXX XXXX Citi banks and reported the takeover, and I got my PC operating system changed to fix the takeover fraud. My XXXX and XXXX XXXX banks quickly reversed all frauds in my checking accounts. However, Citi Bank did not LOCK my checking account ; did not speak XXXX in their XXXX XXXX ; and, are still withholding {$950.00} from my {$15000.00} checking account. 
I am now locked out of my Citi checking account, and the tellers tell me if I close my checking account, I will never get the {$950.00} back in my possession.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

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