davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in those account to be removed.

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 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Subject : Dispute of Unauthorized Accounts Identity Theft Dear XXXX, I am writing to formally dispute two XXXX  XXXX accounts on my credit report that I believe are the result of identity theft. The account numbers are : 1. XXXX  XXXX # XXXX ( Charged-off : {$490.00} ) 2. XXXX  XXXX # XXXX ( Charged-off : {$490.00} ) Both accounts were opened without my authorization in XXXX. I have contacted both XXXX  XXXX and the credit agencies XXXX, and I filed a Fraudulent Account Statement to dispute these charges. 

The details of the accounts are as follows : First Account : Charged-off on XX/XX/XXXX Reported in good standing on XX/XX/XXXX Second Account : Charged-off on XX/XX/XXXX Reported in good standing on XX/XX/XXXX I discovered I was a victim of identity theft while preparing my taxes, which has made this situation even more distressing. I have since locked my accounts and found several unauthorized items on my credit report, including the aforementioned XXXX XXXX accounts. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), if you can not validate these debts, I request that you instruct all credit reporting agencies to delete these entries from my report. I have included a copy of my government-issued driver 's license, a utility bill, and the IRS Identity Theft Form to support my claim. 

Thank you for your attention to this matter. I hope for a swift resolution so I can move forward with my life. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (GA)

I received a letter from " IC Systems Inc '' around XX/XX/XXXX in which it clearly explained that it was representing " XXXX '' which I do not have service with XXXX I add. I wrote a letter roughly around XX/XX/XXXX and obtained certified receipt back on XX/XX/XXXX that my dispute and demand to cease all collection up to and including reporting until an orginal wet signature showing proof that I owe the so called debt to XXXX. I know for a fact that not only I do not owe it but it's not even my account. I received the same collection from another collection agency who was wise to submit in writing that they've ceased collection on it. But yet this company IC Systems did not correspond as I requested in writing before reporting to all 3 credit bureaus. I am demanding immediate removal of it and or I will seek representation from an attorney. According to my rights none of the 3 bureaus nor this collection agency was suppose to place any debts on my credit files without proper investigation. I have included my letter and proof of mailing attached with this complaint!
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-24
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. (NV)

The Department Of Education has XXXX discrepancies. 1 ) the open date is incorrect, I wasn't a student in XXXX. I attended college in XXXX open date should reflect these dates. 
2 ) they reported XXXX late payment, which is incorrect. i was never late on any student loan accounts. I have XXXX other accounts within the department of education which are both updated with correct information as far as no, late payment history and the open date are correct. the XXXX false account needs to be properly investigated and deleted. I have disputed this account with the credit bureaus and the company. the dispute was closed 10 days later. leading me to believe their was a through investigation.
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-06-26
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. (NJ)

In accordance with the Fair Credit Reporting Act These Accounts ; HAVE VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 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 an account without my written instructions. 

In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (MA)

I made a XXXX grocery delivery order on Sunday XXXX XXXX. Some how the app glitched and still took my payment. XXXX had no record or my order and issued a refund. Still hasn't posted to my account. XXXX said the money should be available to me by now, it cleared their program and bank 2 days ago. This is not the first time this has happened to me but with first time with my XXXX card. Powered by XXXX and issued by XXXX  XXXX. I called XXXX support and they told me Monday and then I questioned that and they said I have to wait for it to fall. The first time I waited 10 days. I have another card issued by XXXX XXXX and have zero issued with this card. I feel this program for XXXX  is holding the money longer and it's not theirs to hold. 
Called XXXX  support and keep getting a script for them all. They have done nothing for me on the first issue and nothing on the second. They should be audited for fraud! 
I have also made a formal complaint with XXXX XXXX  in the phone and in writing. 
I need my money and they are holding it illegally. I can not see anything on the pending transaction except pending and the date it was made. 
Note : XXXX and XXXX XXXX have been doing an awesome job working with me. This complaint is for XXXX by XXXX.
Consumer complaint received 2022-06-23
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. (NY)

I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and Form 1040 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX CT XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX CT XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$64000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130000.00}.
Consumer complaint received 2022-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NJ)

I have recently ( In XX/XX/2022 ) learned that an account ( XXXX XXXX XXXX phone ) was opened in my name. That phone bill was ran up to {$1600.00}. That account was later sold to CREDENCE RESOURCE MANAGEMENT ... ... .I have sent letters of denial and recently filed an Identity theft report with the FTC XXXX attached ) as well as sending CREDENCE RESOURCE MANAGEMENT the same. I have recently received notification from CREDENCE RESOURCE MANAGEMENT that they have investigated my previous denial letters and requests and have reached the conclusion that this account was validated and verified to be mine without actually providing ANY of the requested documents that are needed to complete their " INVESTIGATION ''.
Consumer complaint received 2023-07-14
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. (MD)

I've filed multiple complaints for fixing incorrect information on my credit report and to date, nothing has been done. Equifax and XXXX XXXX were notified of my dispute against a company attempting to collect a.debt that was XXXX in my bankruptcy of XXXX. The information remains. No explanation has been given but account was notated that a company responded. I've not seen any response. I also requested both agencies update my report to reflect 2 accounts that were settled inXX/XX/XXXX To date, nothing has been done. The investigation were first reported to be underway in XX/XX/XXXX. This is 3 months later! When will this organization step in? Who is my point of contact? What other options do I have?
Consumer complaint received 2022-09-23
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. (MI)

In accordance with the Fair Credit Repprting 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, 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 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed.

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! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-07
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. (LA)

XXXX XXXX Account Number : XXXX I have never been late on this account, despite the company claiming otherwise. I have submitted proof that Ive always made my payments on time, but the company has ignored my evidence. Additionally, how can the company report me as late in XX/XX/2023, but not in the previous month or the following month? All other months show on-time payments. This discrepancy needs to be properly investigated. This account needs to reflect on-time payments only, as I have never been late. Please update and correct this information accordingly. 

XXXX Account Number : XXXX This account was never properly investigated, as there are no remarks on my credit report indicating that the bureau ever conducted an investigation, yet the information was marked as 'verified. ' How could you verify something that was never investigated? I request that this account be thoroughly investigated. If you can not verify this account, I ask that it be removed from my credit report immediately. 

XXXX XXXX Account Number : XXXX This account is showing as a charge-off but is still reflecting a balance, which constitutes a violation. Furthermore, this account was never investigated after I requested proof of its accurate reporting and validation of the debt. I have not received any response to my request for validation. I request that this issue be addressed immediately. 

I am requesting validation and verification for each account listed below. If your company or the original creditor can not provide verification or burden of proof, I request that these accounts be removed from my credit report immediately. Additionally, please remove any personal information that is outdated, old, or inaccurately reported from my credit report as well. 

Additional Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If a company is claiming that I was late on payments, please provide proof of where and when these late payments occurred. I request a complete list of my payments and transaction history, including the date when I first became delinquent. If you are unable to provide this information, I ask that any and all late payments be removed from my credit report. 

Furthermore, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate the bureaus ' failure to properly investigate these accounts. It is crucial that the CFPB takes appropriate action to ensure compliance with investigation requirements and address these reporting discrepancies. 

Thank you for your attention to this matter.
Consumer complaint received 2023-07-14
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. (MD)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!