davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XX/XX/2023, XXXX, XXXX, XXXXXXXX XXXX  XX/XX/2023
Consumer complaint received 2024-03-16
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. (FL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I exercised my rights pursuant to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY and asked XXXX XXXX XXXX to conduct an independent investigation for inaccuracy in reference to : XXXX XXXX XXXX XXXX XXXX 

The account is reporting an unknown inaccurate and incomplete payment history. There is only one month ( negative ) reported which is inconsistent. XXXX informed me that the inaccurate and incomplete information was " verified as accurate '', without providing any documents to support this opinion.

By maintaining inaccurate and incomplete information with no justification violates the law and intentionally suppresses my credit score.
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I have been disputing this account listed with Citibank/Best Buy for well over a year. During this time Best Buy has been reporting a monthly charge off and a balance owed to them of {$450.00} when they have sold the account to a collection agency, XXXX XXXX XXXX. There should not be a balance on an account that has been sold to collection agency.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

NOTICE TO SUPPRESS LISTED ACCOUNTS The FCRA states the consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Which you Equifax did not adhere to. The FCRA states that Consumer Reports must be accurate and not misleading. The word maximum, and possible mean greatest in quantity or highest in degree attainable. Accuracy, in turn means freedom from mistake or error. And being free from mistake or error means being free from a misunderstanding of the meaning or implication of something and not deviating from truth or accuracy. 



These accounts fail to meet the accuracy standards outlined in 15 USC 1681 ( e ) ( b ) and are therefore incomplete and inaccurate and can not be reported to my report. This notice serves as a dispute regarding your failure to accurately report these accounts and its completeness and to delete all listed accounts. 


SUPPRESS ALL LISTED ACCOUNTS BELOW. 


XXXX XXXX XXXX reporting in XXXX and XXXX of account being open. DELETE XXXX XXXX XXXX Inaccurate day of account opened. Inaccurate day of delinquency. DELETE XXXX XXXX XXXX XXXX Inaccurate date of last activity. Inaccurate reporting of amount of days late. Inaccurate payment history.Inaccurate first day of delinquency DELETE The credit reporting agencies must be in compliance with their own standards that they set in place. A compliance standard was put in place In XXXX for credit reporting agencies stating that If items on a consumer credit profile, does not meet the mandatory legal guidelines to be reported it cant be on a consumer credit profile. This deviates from the standard of compliance. You are not in compliance. This information is not accurate across all three bureaus, nor is it complete.Remove all listed accounts immediately or legal action will be taken. 




In sum, a report must be factually, incorrect objectively likely to mislead its intended user, or both to violate the maximum accuracy standard of the fair credit reporting.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 2024-03-15
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)

I am writing to lodge a formal complaint regarding the inclusion of unauthorized accounts on my credit reports held by Equifax, XXXX, and XXXX. Specifically, I demand the immediate removal of the following accounts : Security Finance, XXXX XXXX XXXX, and XXXX XXXX. Despite these accounts being verified, no method of verification was sent to my address within the mandated 15-day period.

This failure to provide proper verification leads me to suspect potential identity theft, as unauthorized non-consumer report information has been added to my credit files. I am granting the credit bureaus a generous 30-day window to remove these accounts. For each additional day that these accounts remain on my report beyond the allotted time frame, I will be charging the credit bureaus XXXX XXXX XXXX  per day. 

Furthermore, I will be reporting this incident of identity theft to the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ) for further investigation. 

I expect immediate action to rectify this matter and prevent any further damage to my credit and financial well-being. 
XXXX systems collection account as well
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$370.00}
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting of misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2020-01-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (MN)

Have started to notice XXXX XXXX delays applying payment when paying by mail, at least 5 days, can be up to 10, now trying to pay online, and their online payment system is down, so they can collect more interest. this may be coincidental but, the optics look bad.
Consumer complaint received 2020-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX - J.P. Morgan Chase closed all my credit card accounts and informs me that I would receive a letter stating their reasons for closure. At the time, I had XXXX Ultimate Rewards points. 

XX/XX/XXXX - I received the letter from Chase ( see attached ). On it, they state If you redeem rewards through Chase, you have at least 30 days to use them or youll lose them. 

XX/XX/XXXX - Attempted to transfer XXXX Ultimate Rewards to XXXX. Received confirmation number, but transfer does not occur. See attached confirmation screenshot. 

XX/XX/XXXX - Attempted second transfer of XXXX Ultimate Rewards to XXXX. Received confirmation number, but transfer does not occur. See attached confirmation screenshot. 

XX/XX/XXXX - Attempted third transfer of XXXX Ultimate Rewards to XXXX. Received confirmation number, but transfer does not occur. See attached confirmation screenshot. Additionally faxed my information to the J.P. Morgan Executive Office for review. 

XX/XX/XXXX - Executive office calls me and refuses to initiate transfer, despite terms stating I should be able to within 30 days of account closure. They cited bullet Before your rewards are used or transferred, you can lose them for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of your rewards program. I asked the representative to inform me what term I actually violated to warrant their action and they refused to inform me, stating that they did not have to and simply recited the reasons for credit card account closure, which do not have any bearing on the ultimate rewards program. Additionally, as of today, XX/XX/XXXX, the rewards balance of XXXX remain in my account. See screenshot attached.
Consumer complaint received 2019-12-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On or around XX/XX/XXXX, I decided to try and repair my credit/remove any inaccuracies that may have appeared.I found several accounts/addresses that were inaccurate, XXXX, XXXX had ( s ) fraud alerts that were most certainly not authorized.I sent dispute letters to XXXX, XXXX, Transunion and account holders via certified mail. days later, I sent a second round of letters disputing incorrect information XX/XX/XXXX just to get a response that all my accounts have been 'Validated/Verified '' .I have a XXXX XXXX closed derogatory on Transunion ( {$260.00} ) and a collection for that same derog on XXXX., In my dispute letters, I mentioned I wanted to know their verification/validation method, never got a response from any of the three bureaus in that regard.I have a closed derogatory XXXX XXXX XXXX card from XX/XX/XXXX for the princely sum of {$260.00} along with 67 charge-offs that has been " Validated '' and reporting on all three CB..I contacted the original creditors and what I got in return was evidence that they have no valid evidence I ever owed this debt, nor any valid reason this is still on my credit 8yrs,2mo later.I have a medical collection for XXXX on my credit from a agency that violated my HIPPA rights ( using stolen medical information to collect ) ..Just like a lot of people, I got scammed into signing up for student loans with the promises of job placement, better life ect.Every time I dispute these items, My balances raise or lower by the exact same amount ( XXXX $ ) .If these numbers are legitimate, how is that possible? Interest alone dictates this to be impossible.I apparently have a student loan for XXXX $ with 56 late payments..How is this nonsensical jibberish allowed to be posted to my consumer credit accounts? They ask the people that claim you owe them money if you owe, they of course say yes and that's the end of it? No original instuments of indebtness, No HIPPA realeases, FCRA violations 15 ways from sunday.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

Received two American Express - AMEX gift cards. One for {$100.00} and one for {$25.00}. I have exhausted myself trying to use them and calling the number on the back of the cards. No help what so ever.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2021-03-11
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (CA)

On XX/XX/XXXX Ad Astra Recovery took {$300.00} via an unauthorized postdated check from my SSI Representative Payee account for a 3 year old debt I have with Speedy Cash. Ad Astra Recovery has never contacted me regarding the Speedy Cash account and the last correspondence I received regarding the Speedy cash account was an email from XXXX XXXX XXXX dated XX/XX/XXXX. There is no record of a judgement against me with the court, and I never authorized Ad Astra to access the bank account or to use a postdated check. Not only did they take funds from an account containing 'Federal Benefit Payments ' they did so without getting a court order or judgement.
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

Working with Mr Cooper we paid additional payments towards principal and they were applied as per request after multiple phone calls. The lowered principal allowed us to RECAST the mortgage and reduce our monthly payment to {$510.00} but the payments page still shows {$930.00} with an early payoff amount, even though Recast was approved an in effect for multiple years. We believe they have a obligation and a fiduciary responsibility to update the payments page and associated amortization schedule and it should accraturatly reflect the payments due after a Recast has taken place as new terms were sighed upon the Recast.

Multiple Requests have been sent to Mr.Cooper have been sent to various departments and have not had issue corrected. Is it just my case or is is a systemic problem for anyone who has had a Recast with Mr. Cooper Mortgages? People have a right to know how must principal and interest are applied each month, as well as, when their loan is expected to become mature with an accurate payoff date.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX reporting inquires on My credit on dates of XXXXXXXX XXXX, XXXX inquires reported from my bank I have good standing, having no phone provided for it with being subject to being burdened on credit and me wanting it resolved. 

Isnt XXXX is obligated by the FCRA to report accurate accounting. consumer has advised All the inquiries reported was fraud. Said company Had 4 Day according to Law to remove XXXX has 15 days to provide me with the name of the person spoken to. Documents user signed application with consumer wet ink signature. Consumer in not asking e-XXXX report. If XXXX does not have documentation to show there were in fact authorized it must be removed asap. Said company is liable under SEC to follow certain rules.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. These accounts are fraud. 

XXXX XXXX XXXX  Inquired on XX/XX/2023 XXXX OF XXXX Inquired on XX/XX/2023 XXXX & XXXX XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023
Consumer complaint received 2019-12-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Again I have issues with XXXX XXXX and not reporting on my credit report correctly. It took me almost 3 weeks of dealing with their customer service which is subpar at best in applying my payments correctly and I had to waste countless hours having them apply it correctly, contacting them via email is a joke, they just email to call them and do not even read the emails., They just send a reply all for anything you send them. The frustration with emailing, came after multiple calls in and no one being able to help and being put on hold for countless hours. Reaching out on XXXX  and finding numerous people having the same issues with them proves there is a problem with their customer service and lack of training and not knowing how to apply payments correctly. I finally had someone from XXXX call me to fix before they responded to my CFPB complaint. The only past 30 days that should be on my credit report is on over 30 day from XX/XX/2019. Instead they have reported 2 past 30 days on my credit report which is incorrect and need to fixed immediately.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Under CFR 102.11 a All the companies being reported on consumer 's account by XXXX, Equifax, XXXX as consumer account created in the total Sum Due over a {$1.00} terminates the account through Unearned finance charges and insurance premiums held for the benefit of the consumer for primary personal family House-hold purposes : and not for : commercial business transactions. Under 1026.4 Finance charge. The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. Under 1026.18 Content of disclosures. Official interpretation of 18 ( c ) Itemization of Amount Financed Disclosure required. The creditor must inform the consumer, on segregated disclosure, a written itemization of the amount financed on request, Consumer In Fact request Itemization of Amount Financed on all accounts being reported. This written Request for : The following Companies companies, Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX being reported by : Equifax, XXXX, XXXX, to return to consumer the written itemization of all Finance Charges being reported on Consumers Credit Report. Under 15 USC 1611 whoever willfully and knowingly Give false or inaccurate information or who fails to disclose information he is required Shall be fined no more than {$5000.00} or 1 year in prison or both
Consumer complaint received 2019-12-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Again I have issues with XXXX XXXX and not reporting on my credit report correctly. It took me almost 3 weeks of dealing with their customer service which is subpar at best in applying my payments correctly and I had to waste countless hours having them apply it correctly, contacting them via email is a joke, they just email to call them and do not even read the emails., They just send a reply all for anything you send them. The frustration with emailing, came after multiple calls in and no one being able to help and being put on hold for countless hours. Reaching out on XXXX  and finding numerous people having the same issues with them proves there is a problem with their customer service and lack of training and not knowing how to apply payments correctly. I finally had someone from XXXX call me to fix before they responded to my CFPB complaint. The only past 30 days that should be on my credit report is on over 30 day from XX/XX/2019. Instead they have reported 2 past 30 days on my credit report which is incorrect and need to fixed immediately.