davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Please have this account repaired for once : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-09
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. (CA)

I am writing to formally address the ongoing issue regarding late open accounts on my credit report and express my frustration with the multiple unsuccessful attempts to have them corrected. Despite numerous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. 

Since discovering the late open accounts on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify these issues. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. 

The presence of these inaccuracies not only undermines the accuracy and integrity of my credit report but also poses a serious threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not accurately reflect my credit behavior. 

Furthermore, the lack of progress and communication regarding the status of my disputes has further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the repeated failure to correct these inaccuracies, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open accounts from my credit report. Additionally, I request transparent communication and regular updates regarding the steps being taken to address these matters. 

Given the urgency of these issues, I urge you to prioritize their resolution and expedite the correction process. Any further delay or lack of communication will compel me to escalate this complaint to relevant regulatory authorities and pursue all available legal remedies to seek redress for the harm caused to my creditworthiness and financial standing. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2200.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$39000.00}.
Consumer complaint received 2022-10-05
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. (OR)

I filed a report with cfpb on XX/XX/XXXX # XXXX. I called XXXX 's again this morning in hope that they would repair my credit reports.. I was told that XXXX 's determined the accounts are mine and are going to try to collect from me again. 

I did find out that XXXX 's is sending the credit cards to a home I owned and sold a few years back. I am guessing here but I believe someone has reactivated an account I may have had 35-40 years ago. I just don't know how this person has my old address and now has my social security number and name. 

I own a condo in XXXX Oregon and moved here in XXXX. We had a home in XXXX since XXXX and moved here in XXXX. I kept my Ca phone number because of family in Ca. I purchased the condo in XXXX in XXXX. I haven't lived in Ca since XXXX. 

Someone is getting credit cards in my name and committing identity theft and fraud. Please contact XXXX XXXX and have them restore my credit. Thank you
Consumer complaint received 2022-10-05
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: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-07-23
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: World Acceptance Corporation (TX)

XXXX  received my Identify Theft affadivt of inaccuracies and fraudulent accounts on my report on XX/XX/XXXX. I included my insurance, utility bill, and notarized signed descriptive report of all innacurracies. I sent certified mail and received the receipt back they signed for the documents. I called over the phone and was told they refused to remove XXXX  XXXX  ( account opened fraudulent in my credentials ), XXXX XXXX XXXX, World Finance Corp all FRAUD accounts. I have been battling with the creditor as well as XXXX  and the refuse to remove these accounts from my report. I am suffering a great deal of XXXX. XXXX  keeps giving me the run arounds they removed all of the other fraud and inaccuracies but refused to removed these accounts. I was also told by a representative on XX/XX/XXXX that they do not honor identity theft affidavits and the theft accounts will stay on my report.
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2019-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

This year, when I filed my taxes for the XX/XX/XXXX year, I was informed that I would receive a refund. After a few months, I received a notice that I would not get that refund because of debt owed. This company, Midland Management was going to garnish my tax return for owed debt. I am not aware of any debt, so I called the company- I was informed that the debt is from XX/XX/XXXX for a XXXX XXXX XXXX credit card. 

I told them I was not aware of this debt. They told me that if it was a matter of invalid information that I would need to give them a police report. Considering that the debt is from over 14 years ago, I can not really walk into a police station and file a police report. I did file a report with the FTC. ( I have had previous problems recently with unauthorized tries of opening a credit card in my name ). 

I gave them this information to which they still requested a police report. Again, I don't have a police report and I can not get one. They notified me that unless I come forward with additional information, they will continue with the garnish. I am wondering if there is any additional information I can offer them or if the fact that they are over 14 years in debt makes a difference. 

Thank you for your help.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I received your response Last ( XX/XX/year> ) that you need my updated email address which is ( XXXX. ) I sent a complaint to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # 's XXXX ; XXXXXXXX XXXX XXXXXXXX. I am including it again.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (OR)

In XXXX I contacted Amex to help enroll me into the Financial Relief Program. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. 
They said my account would be updated and I would see the lowered payment and begin in XXXX. 
That never happened and my account went past due. I called about 15 times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on Amex 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. 
They agreed on a recorded line and made notes according to the agent. 

Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by Amex. 

I always let Amex know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. 
Amex has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. 

I am now employed and will pay the card off but need Amex to remove the info as agreed.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

There is an old account reporting on my XXXX credit report that was closed in XX/XX/XXXX. I pulled my credit report today from FICO.com and it shows that XXXX  is reporting this closed account with 30 and  60 days lates in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. HOW ARE THEY REPORTING CURRENT LATES ON A CLOSED/PAID ACCOUNT? 

30 DAYS LATE - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 60 DAYS LATE -  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX This has been an huge impact on my credit report and is affecting me greatly. This account has been paid/closed for 5 years! Not to mention that the account has been reporting negatively on my credit report and XX/XX/XXXXmakes 7 years since the date of 1st delinquency.
Consumer complaint received 2019-09-30
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: Experian Information Solutions Inc. (AZ)

Experian and XXXX are reporting incorrectly a collection/charge-off on the XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I paid this account in full directly to XXXX XXXX XXXX XXXX. This account should never had gone to collections in the first place and it should be reporting a {$0.00} balance. XXXX is reporting correctly. This incorrect reporting of a collection/charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-12-15
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. (GA)

I'm an XXXXXXXX XXXX XXXX  that is consistently being discriminated because of my Race by Trans Union! I filed a dispute stating I never signed for a loan with XXXX XXXX XXXX! And that I never paid any car loans late! Trans Union stated the incorrect information on my report is accurate! This fraudulent account is showing severe delinquency since XXXX. I asked repeatedly for documentation, the original lian documents from XXXX showing the XXXX I sighed with them and i was denied this request! I called Trans Union and ask for documentation proving I have a loan with XXXX. They denied my request! I told Trans Union repeatedly I only had car loans with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX! All my accounts are paid as agreed and no late payments ever throughout the loan! XXXX XXXX XXXX was paid off in XXXX. XXXX was paid off XXXX, XXXX. XXXX was paid off in XXXX, XXXX. XXXX was paid off in XXXX! I Never paid late on any of these car loans! I told Trans Union I have never owned a XXXX vehicle! 

They have refused to remove this fraudulent account from XXXX from my credit report! Trans Union is refusing to remove this information they know is fraudulent because I am an XXXXXXXX XXXX XXXX  and their company wants to discriminate against me to harm me financially and to prevent me from qualifying for lower interest and mortgages! 

This company is keeping this derogatory and fraudulent information on my credit report to harm me financially! They are intentionally refusing to remove this fraudulent information from my credit report to hurt me financially because of my Race! There is no other reason why they continue putting fraudulent information on my credit report! Its all being done because of my Race and to hurt me financially! I pay all of my bills on time and was never late on any of my care loans! I have attached screenshots of my Trans Union report as of XX/XX/XXXX and copy of my XXXX report showing no record of a loan from XXXX! 

I want to be compensated {$5.00} XXXX dollars from Trans Union for their intentional financial harm towards me because of my Race! I am an XXXXXXXX XXXX XXXX born in the United States of America and my dreams of owning a home and dreams of having credit cards or other lians with low interest rates was taken away from me because of this Company Trans Union ongoing discrimination against me!
Consumer complaint received 2019-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

In XXXX, 2019, I notified my mortgage loan company, " Mr. Cooper '', about my application for County tax relief was approved by XXXX County, Virginia. Per the county, I am entitled to a 25 % reduction of real estate taxes, but " Mr. Cooper '', the lender, has not adjusted the amount of escrow they are collecting from my monthly mortgage payments. They are holding the excess amount themselves, since they are sending my county the correct reduced amount. I have been trying for months to have them reduce the amount owed on my monthly payment, to reflect the reduced tax amount. All to no avail.This has been going on for 7 months so far.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022 I mailed the consumer reporting agencies notifying them about three consumer credit transaction accounts that they are reporting on my consumer reports without my consent or authorization. It is to my knowledge that consumer reporting agencies are prohibited by law to report any consumer credit transactions, factual information, or information solely to transactions between the consumer and the person making the report. The three consumer credit transaction accounts are for my personal, family and household purposes and I do not want my private and personal transactions and experiences furnished on my consumer report for public use with my written consent or authorization in which I do not benefit from. It is the consumer reporting agencies duty and responsibility to abide by the Fair Credit Reporting Act, display fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On saturday XX/XX/2019 at XXXX i opened the capitol one app in a hurry because i realized i had forgotten to pay schedule a payment. Then realizing it was saturday i relaxed. Because federal law dictates that if a payment due date falls on the weekend it defaults to the following monday. I went ahead and made a XXXX payment right then and there then made another payment for XXXX the follwing day. Sunday. Today, monday XX/XX/2019 i called capitol one to tell them that the payment violated federal law, actually twice. Because the law also says a late payment cant exceed XXXX dollars. Yet there system is apprently designed to automatically break federal laws. When i called i was immediately transfered to supervisor XXXX in XXXX florida. She proceeded to pretend and even tell me that this law does not exist. Well now im filing a complaint to get my late payment fee removed. And hopefully make capitol one fix its system that automatically breaks federal law and hopefully get refunds for their millions of customers who were unlawfully charged.