davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
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: EQUIFAX, INC. (IN)

I have noticed multiple inquiries on my credit report that I do not recognize. There are also inquiries that I do recognized but never consented to have the inquiry placed on my report. The follow is a list of these above mentioned inquiries I would like removed from my 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 It appears that someone other than me has obtained my personal information and has been attempting to use it try and get credit with it. With this being a major issue for me I would like to place a credit freeze on my account and given further instructions on how to proceed with the situation. Thank you.
Consumer complaint received 2022-09-24
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-24
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. (LA)

Again Equifax is governed by 15 USC 1681. After providing my vital information Equifax disregards my protected rights under 15 USC 1681 and continues to violate my rights over and over. According to the FCRA AKA 15 USC 1681. I never authorized Equifax to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report. Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record Equifax or its agents never had my consent/permission to furnish such account ( s ). Regarding this matter since Equifax continues to violate my rights, please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to Equifax inaccurate/false reporting. Please attach if any an authentic signed contract whereas i gave Equifax permission to report this account ( s ) mentioned herein as it will be used for my own and a judges ' inspection if this matter escalates to trail to contest these matters. XXXXDEPT OF ED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2022-07-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-12-05
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: Exeter Finance, LLC. (FL)

In accordance with the fair credit reporting act Exeter Finance LLC account # XXXX XXXX USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment or a credit card account under an open end consumer credit plan as late for purpose.

The company informed me that my due date is on the 29th of every month and they report on the 30th of every month. But when making a payment within my 10 day grace period the reporting cant be changed due to the date of reporting.
Consumer complaint received 2022-07-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (NC)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

WELLS FARGO DEALER SVC XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-09-24
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-24
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. (LA)

Again Equifax is governed by 15 USC 1681. After providing my vital information Equifax disregards my protected rights under 15 USC 1681 and continues to violate my rights over and over. According to the FCRA AKA 15 USC 1681. I never authorized Equifax to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report. Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record Equifax or its agents never had my consent/permission to furnish such account ( s ). Regarding this matter since Equifax continues to violate my rights, please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to Equifax inaccurate/false reporting. Please attach if any an authentic signed contract whereas i gave Equifax permission to report this account ( s ) mentioned herein as it will be used for my own and a judges ' inspection if this matter escalates to trail to contest these matters. XXXXDEPT OF ED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2022-07-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XX/XX/XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2022-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

Nationstar Mortgage ( XXXX Mr. Cooper ) paid my homeowners insurance twice from our mortgage escrow account ( on XX/XX/XXXX and XX/XX/XXXX ). They received a refund from our insurance company for one of the payments ( {$3700.00} ) in XX/XX/XXXX but neglected to apply the refund to my escrow account. 

I received a revised escrow statement on XX/XX/XXXX showing an increase in our monthly escrow payment ( to start in XX/XX/XXXX ) of {$900.00} per month. I immediately called Mr. Cooper 's customer care line at XXXX to understand the increase. It was clear on the call that the insurance payment was sent twice and the refund had not been applied to my escrow account. The agent said she would initiate a ticket in her internal system to rectify the refund issue. She did not submit the ticket, as I confirmed on a later call. 

I called back several weeks later to learn that no progress had been made. I was told it would be another 7-10 business days and that I should not pay my XXXX mortgage payment until the matter was resolved. However, after several more phone calls, I was told that if I didn't pay by XX/XX/XXXX, I would be penalized and show a late payment on my credit report. I paid the requested mortgage and escrow amounts to Mr. Cooper ( including the escrow overpayment ) on XX/XX/XXXX. 

I have called back multiple times with no progress. On XX/XX/XXXX, I was finally connected with a Mr. Cooper representative on the " Executive Resolutions Team '' who is now managing my case. Her messages are unhelpful and only communicate that they are still investigating. 

I have been told that Mr. Cooper did receive the refund from my insurance company in XX/XX/XXXX but that the refund was applied to the incorrect mortgage account. To correct this, Mr. Cooper needs to find the deposited refund check to get the incorrect mortgage account number from the back of the check in order to transfer the funds to my escrow account. I continue to be told that they are investigating ( I was originally told 5 days, but that passed without resolution ). My XXXX payment will be due soon. 

This is fraud. Mr. Cooper readily admits that they have the funds but applied them to the incorrect account. This is not my issue. I have asked Mr. Cooper to apply the correct funds to my account and re-evaluate my escrow payments. They have not. They should deal with the internal accounting issues in their own time without impacting my monthly mortgage payment. Instead, I continue to be forced to overpay a substantial amount while they collect interest on the overpayment. 

I am writing request the CFPB 's assistance in this matter. Mr. Cooper does not dispute the facts ; however, they refuse to apply the funds to my escrow account and continue to require an additional {$900.00} per month to which they are not entitled.
Consumer complaint received 2022-07-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Im XXXX XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2022-09-24
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. (NM)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (SC)

I, am familiar with the facts recited below ; and hereby declare under penalty of perjury that : XXXX XXXX XXXX XXXXXXXX am a living woman, divinely created by the All Mighty Creator, created in his image, to have a divine experience in the Jurisdiction he created and lawful constitutional rights to privacy and be secured in my property. As living beings, we do know and defend our unalienable rights at all points in time and are willing to express those rights if need be. 

" A loan may be defined as the delivery by one party to, and the receipt by another party of, a sum of money upon an agreement, express or implied, to repay the sum with or without interest '' XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX. Also see XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and United States v. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 

The word 'money ' in its usual and ordinary acceptation means gold, silver, or paper money used as a circulating medium of exchange ... XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX " A promise to pay can not, by argument, however ingenious, be made the equivalent of actual payment ... '' XXXX XXXX XXXX, XXXX P XXXX, XXXX Utah XXXX. 
" A bank is not the holder in due course upon merely crediting the depositors account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX A statement is a document outlining all outstanding unpaid invoices. Unlike invoices, statements are typically sent or made available at certain intervals. Statements are traditionally informal. They're used primarily for informational purposes because a customer may pay an invoice while a statement is in transit. A statement of account is not an invoice.

An invoice is a formal document outlining amounts owed, details about the transaction, cost per hour or unit, and more. Invoices also typically outline payment requirements.

Chase has been using the USPS to send financial statements of account coercing me to pay an unlawful debt when they were credits on the account from my social security trust account that I am the custodial trustee holder and beneficiary. The initial indorsement of my signature literally paid for the consumer transaction to be funded ( Cf. 12 USC 412 ) and what was occurring is, credit of account, growing interest to which, I am due yield on the investment ( Cf. 26 CFR 1.148-5 ). As a result, statements always come in a positive amount and not in any negative amounts, as federal reserve notes are only promissory notes ( promise to pay ). Chase unlawful took money from me and illegally repossess my vehicle when there was never a bill due and violated their fiduciary duties.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

XXXX of XXXX account was setup through XXXX XXXX Bank with autopayment draft. In XX/XX/XXXX either the creditor changed programs or had an internal issue regarding their autopayment software. I was notified that a payment had not been received. I contacted the creditor directly and was told that the error was indeed on their side and that they would remove any and all late fees and assured me no reporting to consumer reporting agencies. Furthermore, at no time was the account ever close to being 30 days late. After rectifying and assuring me that autopayment was correctly set up, the same thing occurred the following month. Once again I contacted the creditor and the process was repeated. Again, at no time was this account past 30 days late. 

Approximately two days ago I checked my credit report and noticed that the creditor had reported ( 30 days + late ) status on my credit report. I have excellent credit and no history of late payments with any creditors. This inaccurate reporting has resulted in two long term creditors revoking my 0 % rate which in term has now cost me damages in the form of increased loan interest. My legal counsel requested this account be disputed with the CRA 's and complaints filed with the XXXX and CFPB as a first step. I have detailed call logs of my interactions with XXXX XXXX XXXX XXXX Bank, but have been advised to not disclose at this time. If more info is needed, it can be provided.
Consumer complaint received 2022-09-24
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: Possible Financial Inc (CA)

After discovering this debt with XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my XXXX  score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Consumer complaint received 2022-09-24
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX. XXXX Balance : {$700.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} EXXXX XXXX XXXX Date of XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (MI)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to questionspecific records in my document coming about because of the wrongdoing. The records I amquestioning connect with no exchanges acquiring any possession of goods, services or money that Ihave made or authorized. Assuming no one cares either way, block the noteworthy of any information inmy credit record that came about due to an alleged fraud or extortion. 
EQUIFAX MORTGAGE SERXXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX