davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Equifax, XXXX XXXX  the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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 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 ( 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 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 2016-10-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NATIONWIDE ACCEPTANCE LLC (GA)

I sent Nationwide Southeast a Fraud Affidavit on XX/XX/2016. As of date, they are still reporting information that do not belong to me on my XXXX and XXXX. I have also sent this same Fraud Affidavit to XXXX and XXXX and they have not removed this account from my credit file.
Consumer complaint received 2024-08-20
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. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2017-03-27
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

I have been making payments on a hospital bill ( I should have disputed this bill from the start. ) XXXX to a debt collector since XXXX I have made regular monthly payments of XXXX.for 48 months At the end of XXXX I sent a check for the final payment on the account and they said ... .oh no wait a minute you still owe us XXXX. I stated I did not owe that and they informed me that they refiled a judgement back in XXXX since I missed several payments. This was the first I was notified of this.They never called or notified us that these payments were not received and that now they filed additional paperwork to inflate the balance to over XXXX still owed. They garnished my personal joint bank account with my wife who has battled XXXX for 17 months and garnished my very small business account. They took every cent from these accounts and never returned my calls since XXXX about my disute of not owing this balance. I have requested bank records from my bank. I have looked online and found many complaints and lawsuits against this debt collector Hayt Hayt and Landau, XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLAINTIFF : XXXX XXXX XXXX DEFENDANT : TRANSUNION XXXX # XXXX BONDED MUST BE REVIEWD BY A HUMAN MUST BE REVIEWED BY A HUMAN VIA XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX DEAR DEFENDANT XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX MY XXXX NAME READS XXXX XXXX XXXX XXXX MY XXXX ADDRESS READS : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX MY DOB READS : XX/XX/XXXX MY SSN LAST XXXX READS : XXXX My XXXX & Last MIDDLE name are as follows : XXXX XXXX XXXX My XXXX XXXX Address is as follows ; : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and ACCURATE information on my credit report per FCRA regulations 15 USC 1681a and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue, My First & Last name are as follows : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. My current address is XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX TRANSUNION YOUR COMPANY IS SETTING ME UP FOR IDENTITY THEFT FRAUD PRIVATE AND PUBLIC FRAUD IF MY MAIL FROM YOUR COMPANY ENDS UP IN THE HANDS OF A SCAMMER XXXX WILL BE LIABLE AND I WILL SUE FOR NEGLEGANCE! DELETE ANY NAMES ADDRESSES THATS NOT IN THIS LETTER THAT TRANSUNION IS HOUSING ON YOUR PLATFORM! FIRMLY, XXXX XXXX XXXX UCC1-308 WITHOUT PREJUDICE
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

In order to provide you with the proof that reporting truncated or abbreviated account numbers constitutes reporting missing or incomplete information appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full and accurate account numbers and they MUST be removed immediately to avoid litigation : 1.   XXXX   XXXX   XXXX    XXXX  .... 2.  XXXX   XXXX   XXXX   XXXX   XXXX  ....   3.   XXXX   XXXX   XXXX   XXXX    XXXX  ....  4.     XXXX   XXXX   XXXX   XXXX    XXXX  ....     It is also proved in my investigation that by sending me account statements from the creditor does not dignify ownership.     I have provided through experian.com/upload a copy of my social security card and driver 's license.
Consumer complaint received 2017-05-13
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. (FL)

I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a XXXX balance. Also offered to open a new account. Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.
Consumer complaint received 2024-11-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

TransUnion has a collection amount on me for over {$6000.00}. I have no knowledge of this account and disputed that charge as I have no affiliation with XXXX XXXX XXXX. I asked for the original copy of the contract that held me accountable for said account and got no such thing. Just an email saying my request for dispute had been denied. I feel my rights have been violated and deserve to know why and when I'm being charged.
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short sale was started on XXXX/XXXX/16 with CapitalOne. 

We are going into the third month of this short sale. Every single time we call we get a different story on the status or why they ca n't move forward, or some other infantile excuse from the short sale department. This time, they claim they have no authorization on file for us. It is obvious they are defrauding their investors and committing servicing fraud by purposely delaying a decision on the file in order to collect the 'double ' servicing fees they automatically receive for servicing defaulted loans. 

Today, CapitalOne told us they can not speak to us as there is no authorization on file. ... ... ... What happened to it? Did it go to the Land of the Lost Dryer Socks? 

Since CapitalOne has proven so incompetent as to be completely unable to do a simple task such as not delete documents from their files, how can anyone condone their continued existance in the real estate and financial business? 

Or -- -- is this retaliation for the last CFPB complaint we filed against them? ( I attached that here as well )
Consumer complaint received 2017-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stanislaus Credit Control Service, Inc. (GA)

Stanislaus Credit Control is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.  Stanislaus Credit Control is in V iolation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and th e HIPPA La w!
Consumer complaint received 2024-10-08
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. (CO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXX Account # : XXXX Account Type : Installment ( Auto Loan ) Bureau Code : Joint {$17000.00} Date opened XX/XX/XXXX I contacted company and told them this is inaccurate this shouldn't be on my report for I do not recognize this account and it is not mine. I have requested proof of paperwork and received nothing. Remove account please. 

XXXX XXXX  XXXX Account # : XXXX Account Type : Revolving Bureau Code : Terminated Date Opened XX/XX/XXXX {$25000.00} I don't know where this came from never had a XXXX  XXXX XXXX account and asked for validation and they said it was no record of me having a account and I sent to XXXX and they completely ignored my request to remove the account. 

XXXX  Account # : XXXX Account Type : Revolving Bureau Code : Terminated Date Opened XX/XX/XXXX {$8500.00} Not my account I don't recognize this account and asked for validation and they said it was no record of me having a account and I sent to XXXX and they completely ignored my request to remove the account. 

XXXX XXXX  Account # : XXXX Account Type : Installment Bureau Code : Individual Date Opened : XX/XX/XXXX Not my account and requested proof three times and no answer. 

XXXX XXXX Account # : XXXX Account Type : Installment Bureau Code : Individual Date Opened : XX/XX/XXXX Not my account and requested proof three times and no answer. 

XXXX Account # : XXXX Account type : Revolving Bureau Code : Terminated Date Opened : XX/XX/XXXX Not my account and requested proof three times and no answer. 

XXXX XXXX XXXX Account # : XXXX Account Type : Collection Bureau Code : Individual Date Opened : XX/XX/XXXX Not my account and requested proof three times and no answer. 

XXXX XXXX Account # : XXXX Account Type : Collection Bureau Code : Individual Date Opened : XX/XX/XXXX {$160000.00} Not my account and requested proof three times and no answer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER NONE OF THESE HARD INQUIRES ARE MINE
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish the accounts listed below on my consumer report? 

No. I most certainly did not. 

If a contract exists in which I gave you permissible purpose to do such, I demand that you produce it to me with a wet ink signature within 30 days of receipt of this letter, notarized under the pains and penalties of perjury, via certified mail with a signature required. If you can not provide this, I demand that you immediately follow the written demands that I outline in Section XXXX of this letter on my consumer report. 

Furthermore, please consider this letter official legal notice that my written instructions are to immediately follow the written demands that I outline in Section XXXX of this letter on my consumer report. 


Lack of Notice I was not given any of the notices REQUIRED by law BEFORE you furnished any of my personal information to a third party.
Consumer complaint received 2024-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number:XXXX XXXX Creditor Name : XXXX XXXX XXXX Dear CFPB , I am writing to formally file a complaint against XXXX XXXX XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXX . Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX  XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-05-13
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. (MA)

I have sent the company two certified letters, 31 days apart. Both bearing signiture verification. They have not validated my account bearing my signiture. The account is marked " charged off '' on the report and sold to  XXXX   XXXX .   Both companies have yet to provide any validation bearing my signiture.     After 31 days they did not update my credit report to show " consumer disputes per FCRA '' and will not remove it from my credit reports. It is hindering my ability to get credit.
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One is threatening a lawsuit if I miss another payment on my card ending in XXXX. I 've told them repeatedly that the charges making up the balance ARE NOT MINE!!!!!! I will NOT pay this balance!!! Let them waste their money on a lawsuit. I 'm still not paying for these charges as they ARE NOT MINE!!!
Consumer complaint received 2017-03-27
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (CA)

I started a refi with XXXX & they had Freedom Mortgage as the banker, I had a credit score of XXXX 6 months ago, with Freedom Mortgage and XXXX telling me for the last 4 months that they were closing and not to pay debt, made my credit score go down. I want to know how a Bank like Freedom Mortgage can lag and cause my score to go down, Also I would like to know how a mortgage Broker XXXX can lag a refi for 6 months, I was having my home taxes impounded and now they are refusing the loan. I must of signed at least XXXX redisclosures with Freedom. I will make up my late payments but I want to know if this place can be sued for damages that they have caused. How can they do this on a FHA Loan to make it drag on?
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-04-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (WI)

XXXX has inaccurate info on my credit report from Avant Credit and has not removed it, my dispute was initially file XX/XX/2016. I had permission from Avant to miss one payment, then I had to re-sign a repayment agreement with them ( which they added {$1000.00} to the loan ) and it was supposed to remove any negative info. XXXX has corrected the info, XXXX has not and after being on hold with them twice for a total of 30 minutes today waiting to talk to a stat side supervisor ( which never happened ) I am filing a complaint. They show XXXX missed payments with a credit score of XXXX, XXXX score XXXX. I have already missed out on a job opportunity because of this and pay higher car insurance premiums. This needs to bbe corrected immediately!
Consumer complaint received 2016-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc. (WI)

I was about to set up the monthly payment when they called me monday XX/XX/XXXX and be ready. But they called me again today but I missed the called but I do know they were gon na force me to pay. But I am making a payment plan through XXXX College the right way.