davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (FL)

OK Basically I am not disputing the debt owed. I was paying XXXX dollars a month to XXXX on a closrd account. Then for some reason they stopped sending me statements. Then I started getting calls from US Bank asking for a verbal agreement to pay off the debt. My concern is if they are legitimate, or are they a scam. I verbally agreed to XXXX a month and asked for a statement to be mailed with the due date of XXXX of each month I have not received a statement as of this writing. Also according to my credit report this debt was writen off by US bank. The debt is XXXX acount number ending XXXX US bank XXXX XXXX XXXX XXXX Mo. Phone # Recovery dept.XXXX Mon-Fri XXXX CST
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$7400.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late XXXX Needs to all removed from my credit report, all the lates were completely inaccurate
Consumer complaint received 2024-10-29
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. (KY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I know was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments.I 've attached a copy of my report to this complaint on the following dates ( XXXX. ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt attention.
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (NM)

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 2024-10-29
Product: Credit reporting 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. (TX)

I XXXX XXXX stating that I try sending a certified letter with they are stating that I need to resubmit another other information.

I feel that they are ignoring my request.

I scan all their letters.

Most inquiries are pass old and few are not mine, I acknowledge my other inquires.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2023-08-09
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. (UT)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately. Thank you. 
XXXX 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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.
Consumer complaint received 2024-10-29
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. (MS)

Subject : Formal Dispute and Intent to Sue Unauthorized Reappearance of Accounts To Whom It May Concern, I am writing to dispute the unauthorized reappearance of several bank accounts on my credit report. These accounts were previously removed, and their reappearance is both erroneous and damaging to my credit profile. 

The account in question are as follows : - XXXX XXXX This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence. 

Please consider this letter as my formal notice of intent to sue if the aforementioned accounts are not removed promptly. I expect written confirmation of the removal within 15 days of receipt of this letter. 

Thank you for your immediate attention to this matter. 

Sincerely,
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

USAA is constantly calling my cell phone. Im submitting this complaint after I asked to be placed on the Do Not Call list 3 times. I told them that I was unable to make my payment of {$56.00}. This is the first time Ive ever missed a payment and theyre called numerous times and sent a letter. The times they called were : XXXX- XX/XX/XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I have documented all correspondence with your company. Please remove these fraudulent accounts and please correct and update the inaccurate information on my credit report, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-29
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)

Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (KS)

Upon checking my credit report I saw erroneous information from an account that I have no knowledge of. This account is reflecting from identity theft in the past. The account in question is already being investigated and supporting documentation such as the FTC AFFIDAVIT HAS BEEN SENT AS WELL. The account in question is CITI CARDS CBNA - XXXX
Consumer complaint received 2023-09-29
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. (PA)

in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy under confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15USC1681 section 604 a section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more then seven years 15 USC 1681subsection 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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

My mortgage loan belong to XXXX XXXX in 2019 the was sold with me not having any acknowledgement my payments where on Auto pay with XXXX XXXX when the loan was transferred to XXXX XXXX XXXX payments and payments where still in auto payment as shown in my records with XXXX XXXX I was never late and this all happen during the time of COVID My loan is now transferred to XXXX XXXX which has never been late but when I look at my credit report in all three XXXX, XXXX and Equifax they show as late payments on a loan has never been late plus the lender is reporting on a loan that no longer the lender I need these late payments cleared with the correct information on my current lender XXXX XXXX
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MN)

I zero out my card every month before due. they issue a fee the day due making it impossible to have a XXXX usage. 

there illegal scheme is lowering my credit and preventing my usage from being XXXX for credit card reporting purposes.
Consumer complaint received 2020-07-17
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: EdFinancial Services (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased coins from merchant. The coins that were delivered were not what I ordered. 
I returned the coins to merchant. Merchant did not refund or reship the correct coins. I attempted to resolve this with merchant several times. Merchant did not respond. I filed a dispute with Capital One. I sent to them proof that I returned the coins, ( tracking number ), and I sent pictures of the coins that I received. XXXX finally refunded back to my card, see attached receipt received from merchant. Despite several letters to Capital One they have refused to credit my account. Even going so far as to claim that I did not file the dispute in a timely manner, this is not true, see attached letter from Capital One dated XX/XX/2023 acknowledging the dispute. Merchant has issued the refund, yet Capital One has failed to refund back to my card. I don't have the coins and I don't have the money.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I am writing to formally dispute the inaccurate reporting of an alleged charge-off account from XXXX XXXX XXXX with a balance of {$2800.00} on my credit report. This account is being reported as a charge-off ; however, neither a 1099-C form nor any documentation of debt cancellation has been issued to me or the IRS, as required by law.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, I am entitled to a fair and accurate report. The failure to provide a 1099-C for this charged-off account implies that this debt remains unresolved, yet its continued reporting as income violates the accuracy requirements set forth by the FCRA. Additionally, without the 1099-C form, there is no basis for reporting this balance as income, which makes this account invalid for reporting on my credit profile.

Under 15 USC 1692 ( k ), if this matter is not addressed and the account is not promptly removed, I reserve the right to pursue civil liability for these violations.

Please investigate this matter thoroughly and remove this account from my credit report to ensure compliance with federal laws.

Thank you for your prompt attention to this urgent matter. I look forward to your confirmation of the removal of this erroneous information.
Consumer complaint received 2023-08-08
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. (OH)

XXXX XXXX XXXX XXXX  {$520.00} XX/XX/XXXX, XXXX, XXXX XXXX, {$920.00} XXXX XXXX, XXXX, {$500.00} Account Never Granted Closed by XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, {$2700.00} XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX {$1000.00} The collection and credit reporting agencies have broke the following laws according to the FCRA : 15 USC 1681 section 602 15 USC 1681 section 604 15 USC 1681s -2 Please remove immediately
Consumer complaint received 2024-10-29
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)

After I reviewed my consumers report, I noticed that there were 2 accounts listed that do not belong to me. Here are the accounts below XXXX XXXX XXXX Bal- {$7900.00} Opened XX/XX/XXXX XXXX XXXX Bal- {$3800.00} Opened- XX/XX/XXXX