davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX AND XXXX XXXXXXXX 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 XXXX 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. 

XXXX XXXX AND XXXX 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 2020-07-08
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. (CO)

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX   XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX 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 AN, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX 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. 

XXXX 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 2019-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (PA)

M and T Bank now deny that I ever had a loan with them. They claimed they have nothing to do with the taking of my house. I was called today by the lawyers at M and T and they claim they have no record of them ever being involved even though I'd been in touch with XXXX XXXX and XXXX XXXX at headquarters for some time now. I was promised a resolution but got none.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

This complaint is against XXXX, Equifax and XXXX credit reporting agencies. I'm bringing this complaint do to their inaccurate reporting, failure to conduct investigation into disputes and forcing customers to obtain for a monthly fee, their credit monitoring programs which falsely claim to increase credit scores. 
For the last DECADE! my credit score has been in the poor credit rating scale which is the lowest among most. I've tried several times to dispute inaccurate information only to have them deleted then placed back on my report months later lowering my score. I've hired credit service companies who letters were not being responded to by the credit reporting bureau to which I was told to file a lawsuit. 
These credit bureau have inaccurately reported accounts that are closed as being opened, and time barred debts falsing being listed as payments being made or received when no payment was ever sent. I've requested supporting documentation regarding their investigations these request have been unsuccessful. There has been problems obtaining my credit score and report from Equifax do to the inaccurate information the security questions they ask do not pertain to my credit history and I was informed by them that they do not have a credit report listed for my social security number, they intentionally give false information when I contact them. 
I'm XXXX years old my credit report should reflect 34 years of credit history, instead shows only the previous 10 years. Missing is 34 years of exceptionally payment history for utilities, credit cards, mortgages, business, educational and personal loans. This includes missing personal information such as addresses, businesses owned and work history.
Consumer complaint received 2020-06-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NY)

I understand there is a settlement involving Santander Consumer USA and I believe I am a victim. I have had my car since XXXX and Im am still trying to manage my high payments. I have once, in XX/XX/XXXX got my car repossessed because of low payments and been able to reinstate my loan with a high reinstatement fee. 


When I initially walked into the dealer ship I went with a former friend to be a possible co-signer if needed. Some how the tables turned towards me and I was being offered a loan.
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. (TX)

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 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (UT)

SYNCB/JCP - XXXX is reporting 30 day late 's on my account. I was not aware of these late 's, i never received a notice or call from synchrony Bank. I make my payment 's on time and was not late on this account.I should not have these late notations on my account.
Consumer complaint received 2023-02-07
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. (PA)

I suspect a fraudulent account on my credit report. I did a thorough investigation and I also filed a FTC report stating the activity I have observed. The account is listed below. I also noticed that my XXXX is not showing this same collection and I uploaded that screenshot as well. 

XXXX XXXXXXXX XXXX  XXXX XX/XX/2022 Balance - {$820.00}
Consumer complaint received 2024-10-24
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. (NC)

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 2024-10-24
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. (ID)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

Reached out to get an itemized statement for amount being reported on my credit. Received letter from credit company Aargon and statement was not an itemized bill including services and exams that we supposedly billed for. Letter looked to be forwarded from hospital but only had one line in bill area stating XXXX XXXX  visit and total amount owed. Nothing was broken down as to what was performed on so called visit to XXXX XXXX
Consumer complaint received 2019-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CA)

I periodically have to have my university file paperwork with Fedloan servicing to prove Im taking graduate courses and am eligible for loans deferment. While I understand they need proof, in the time it takes them to process the request, my loans accrue interest that I have to pay and they dont reverse it, even if they were informed of my classes starting at an earlier date. Most recently, however, after my school filed the paperwork, they placed my subsidized loans into forbearance when they should be in deferment. Theyre illegally charging me interest on my loans. Their customer service and response times are HORRIBLE. I feel helpless when dealing with them and they know theres nothing I can do about it. Its easier to just pay the interest but its infuriating to know they get away with this. I can only imagine how much they profit off of illegally collecting interest when individuals like me are eligible to not pay interest. They really need to be investigated and held accountable!
Consumer complaint received 2024-10-24
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. (FL)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act ; U.S POSTAL SVC FED, has violated my rights with an unauthorized inquiry on XX/XX/21 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.
Consumer complaint received 2019-11-06
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)

On or around XX/XX/2019 I began corresponding with Equifax. I requested that Equifax send me verification of the alleged original signed consumer contract between myself and the creditor with my signature on it. I have sent three requests and they have failed to produce the contract that I requested. 

I noticed that they are receiving the request and then completing dispute the same day or a few days later, which means they are not making any effort to obtain the information. 

Equifax has stated that they have verified the accounts, but I did not ask them to verify the account. I asked them to provide me a copy of the original signed consumer contract between myself and the creditor. 

Per the FCRA Section 609, the credit reporting agencies are supposed to send me a copy of the original contract that I supposedly signed, which they are supposed to have by law. 

If Equifax can not provide the contract then they are not legally verifying my account. If the account is not legally verified by completing my request for a copy of the original contract then under Federal Law any unverified account must be deleted. They are responding by stating my accounts are verified, but I am disputing their right to report the account.

Equifax is breaking Federal Law and have not provided the contract that I have requested on three different occasions and are not making any effort to do so which is willful and malicious non-compliance. I can provide paperwork to substantiate my claim. 

I have also asked Equifax to investigate fraudulent inquiries on my credit report, but they have responded to state that they do not investigate inquiries, which is inaccurate. They are ignoring my request altogether. 

I will most likely file suit as I have had to do in the past, but I wanted to first explore the option of seeking your assistance first before moving forward.
Consumer complaint received 2022-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

Ive never done any type of business with Medical Data Systems , INC . I spoke with one of their representatives on XX/XX/XXXX to provide me any signed documents that they have as proof of me owing {$100.00} to their company. 

In a written response the company acknowledged their company does not own the account or the debt. 

As of today Medical Data Systems has not provided a valid contract with my signature to prove my obligation to them.
Consumer complaint received 2019-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I have a loan that was disbursed on XX/XX/19. We were unsure how much we would need to cover all of our costs, and as has happened multiple times in the past, and thus ended up having more money than we needed. As we have every time this has occurred, we paid the excess money back to the loan within the first 120 days. We have had multiple conversations with Nelnet, our loan servicer, over the years when this has happened, to please apply 100 % of the money we repay to the PRINCIPAL of the loan, as we are not actually borrowing this money, but repaying money we did not need to borrow. On XX/XX/19, within 120 days of the disbursement of the loan, we repaid the money we received in excess of our needs, making a payment if {$7300.00}. They applied the majority of the payment to the principal of the loan, but they applied {$270.00} to interest. I have contacted them and requested them to immediately apply this amount that was incorrectly applied to interest to the principal of the loan, as per all of our previous conversations.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL -Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (CO)

I logged in to check the progress of the loan and in XXXX XXXX years, barely any of the principal has been paid, so I called to request an ametirization schedule, and I was told this could not be provided. 

I want a full breakdown history of my payments and an explanation of why my balance has barely changed in XXXX XXXX years and they won't provide it to me.
Consumer complaint received 2022-06-09
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. (SC)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : 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 a account without my written instructions
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AR)

I was charged over XXXX in fees for a purchase that I had no idea about.While looking over my account, I noticed the fees had been added to my account on XXXX XXXX and I immediately called on XXXX XXXX to try and get this matter resolved ( fees waived ) .I asked the representative if anything could be done to help me resolve this issue and she stated yes, I would need to speak with a manager. Once transferred to a manager I was told nothing could be done.I was treated very rudely and unprofessional. These additional fees that they run up on people are ridiculous.I feel as though this is predatory lending. Please contact me for additional info.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.