davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My account with XXXX XXXX TRANSUNION 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. 


XXXX XXXX TRANSUNION 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 2024-08-30
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: EQUIFAX, INC. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} 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 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

Hello : This is the second time I've had a problem with Citibank not registering a payment. I pay over the minimum due and they take the money but the minimum due remains. The second time I paid {$350.00} on XX/XX/19. Over twice the minimum. The minimum was about {$140.00}. The payment was taken and didn't reflect on the required minimum payment. I called about 2 days later and explained it to them what happened and I was told that the payment would be credited and reposted on XX/XX/19. Citibank deducted another {$350.00} on XX/XX/19 from my checking account. And never cancelled the original payment. Leaving me with duplicate {$350.00} payments. Now they think it's acceptable for me to wait 3-4 business days for money they shouldn't have taken from my checking account in the first place. This is the second time this has happened to me with Citibank. The first time I just made a second payment. 
I typed this while being on hold for a manager and was now told that there is no manager on duty and one would call. 
Thank you, XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

A prior dispute was sent out to the credit reporting agencies. Following the disputes the accounts all came back as verified and accurate. Ive recently submitted another dispute to these same credit reporting agencies requesting proof of the investigation that was done that deemed these accounts as accurate and verified per 15 usc 1681 I ( 7 ). If such proof can not be provided I want all of the accounts that were disputed to be removed.
Consumer complaint received 2022-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (MD)

I was in the process of hiring XXXX XXXX XXXX, XXXX to do a new concrete driveway at my house at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. All communications after visit to site on XX/XX/22 were via email and phone calls from XXXX XXXX. I have emails dated XX/XX/22 - XX/XX/22. The actual scam began on email dated XX/XX/22 when what appeared to be XXXXXXXX XXXX message saying they would work my schedule after my walkway work was completed but they would need 40 % down which I sent via XXXX ' through my M & T Bank account. Since I had been communicating with XXXX via emails and text messages, I was led to believer it was actually him. It wasn't until XXXX when I got a message from XXXX XXXX XXXX saying their email was hacked and not to respond or send money to anyone. 
I have the emails and some text messages. Please help. I called my bank fraud line and filed a claim which they denied. The amount of the fraud is {$2300.00} sent via XXXX XXXX M & T Bank on XX/XX/22.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX, XXXX, and Equifax Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX MO ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX F XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I have been diligently trying to get my account corrected for the past XXXX XXXXs I have been identity theft victim and XXXX, XXXX and Equifax has been making my life a total Nightmare my personal information is inaccurate my credit report is inaccurate I can prove who I am and have sent several messages to them have all disputes on accounts disputes on inaccuracy of the information that they have publicly no response no solution I do it every month how to dispute nothing 's being done and still keep giving me the same response I need someone to help get this Right
Consumer complaint received 2020-01-30
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. (VA)

Equifax has listed on my credit a negative report of the sum of {$410.00} being owed. When I first got into a subsidized apartment I got copies of my credit reports from Equifax and XXXX. This amount was listed as being owed to XXXX XXXX XXXX. This bill was paid to them by personal check # XXXX, written XX/XX/2016 to XXXX XXXX XXXX. This amount has since shown up on my Equifax credit report as being owed to a different collection company and they have not checked and removed this negative, false report.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

Equifax, law 15 usc 1681e ( b ) speaks about the accuracy of the consumer reports Consumer reporting agency 's produce! It must have maximum possible accuracy! Accurate means all values correct all information exact! So in general Equifax is furnishing inaccurate information on your consumer reports which is a direct violation of 15 usc 1681e ( b )XXXX XXXX XXXX XXXX is reporting inaccurate Information on my credit and I put Equifax on notice. I would like to know the procurers of their investigation in written. Equifax deleted account and then reassigned back on to my credit filer which is illegal. See attachment. I also would like to introduce new exhibit showing reporting of this account out of compliance according to Metro 2 standards.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRSTBANK (AZ)

First Bank paid a {$43.00} to XXXX XXXX on XX/XX/2022 from my checking account that did not have sufficient funds to cover the amount. 
I visited the bank same day and I complained about it asking to place a dispute but the bank did not do it because it was not time. 
Because of the Bank 's error I checked my bank account online many times a day and accidentally I failed a security word and I could not open my account online again. 
My phone is inactive and I could not call the bank but I contacted the First Bank many times via their email on XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

I tried to contact the XXXX XXXX phone XXXX XXXX XXXX as appears the bank account was not successful. 

I found their email and received a response from the real XXXX XXXX company stating having many other people complaining about losing money which is believe a scammer is using their business company name. I did emailed this information to First Bank requesting and urgent action in filing a dispute but so far First Bank has failed.
Consumer complaint received 2019-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (TX)

Hello, I Am XXXX XXXX. I Am Trying To Clean Up My Credit Report. Ive Not Spent Any Time In XXXX XXXX Hospital. I Have Two Bills That Are {$2200.00} & {$670.00}. 
Would You Kindly Take My Name Out Of Your System Please! 

Thank you
Consumer complaint received 2019-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

I have been paying a little extra on my XXXX  for years. I realized at the end of the loan ( last payment due XX/XX/19) that the payoff amount didn't seem correct. I have been calling and emailing since early XXXX. I was mailed an incorrect payment history. I contacted XXXX and was told to call. The first and supervisory agents appeared to pretend they didn't understand the problem. I think they were trying to frustrate me ( XXXX and XXXX ). Later agent XXXX refused to let me speak to a supervisor. He said he was emailing a corrected payment history. He read off corrected amounts which I verified by my emailed receipts later. I have never received the corrected payment history. I called again and XXXX XXXX said the order was placed for the corrected payment history and that it should come by Monday. I emailed XXXX   Sunday when I received a bill, and they say I have to call. It is Tuesday, and I have no corrected payment history in my email box. I need to see a corrected payment history with my amounts applied and interest reduced each month before I know if the payoff amount is correct. This email/phone calling has been going on for over 1 month. They are harassing me at work with phone calls during the work day even though I told them to call after XXXX CST because I was teaching. I have my phone on for alerts or emergencies. They have called 5 times during the work day yesterday and today. They were told I was a teacher and not to call before XXXX.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

XXXX XXXX has reported incorrect and unverified information to all three credit agencies. They claimed that this information was verified by the bankruptcy court. I requested the information of the individual persons name and contact information who verified this information. I have submitted this in affidavit form in which I have not gotten a response. I did submit an affidavit to the bankruptcy court in which they replied that they don't verify information with no third party companies. Basically XXXX XXXX take upon them selves to search public records to provide this information which could and could not be accurate. Everything on public record is not accurate and error are made all time and never corrected. This seem to be something XXXX XXXX is doing strictly for monetary gains no matter how it hurts the individual. The credit agencies is reporting this information with out 100 % verification only what another third party is telling them what they claim to be accurate.
Consumer complaint received 2019-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bliksum, LLC (CA)

Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them. According to the Fair Credit Reporting Act, 15 U.S.C. 1681g, Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in my credit report.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

The Home Depot Consumer credit card sends me a flagellant bill and when I reject to pay, each month adds interest rate and sends me much larger bill. On XX/XX/XXXX I call to customer service in regards of my Home depot credit card. I payed all the bills required and asked them to close all my accounts. I was insured that I payed everything and my accounts are closed. Later, Home depot consumer credit card of City Bank started to send me bills with large amount of money increasing every month. I called them many times and verified that I have nothing to pay since I payed my bills on XX/XX/XXXX. They sent me a later telling that them by mistake sent some amount of money to my XXXX  XXXX XXXX account and I have to send that money back. I vitrified with XXXX  XXXX XXXX that nothing was deposited from Home Depot consumer credit card of City Bank.

I asked the City Bank to remove charges from me because I do not responsible for somebodies mistake and I was overcharged. However I still receive larger and larger bills and the also affect my credit score. I'm legally XXXX and XXXX. Please help me to resolve this problem
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CO)

XXXX XXXX Debit card # XXXX XXXX XXXX XXXX  Exp. XX/XX/XXXX was issued by the Social Security-Treasury Department as part of the electronics payment for XXXX XXXX XXXX. These are monthly benefits in the amount of {$750.00}. XXXX XXXX is manipulating my daily average balance downward for over 3 months now. XXXX XXXX lists XXXX as the consumer assistance call center. However, when you call this direct, you are simply provided with an extensive, generic repeat of options. XXXX XXXX does not allow clients to lodge complaints, to flag and dispute transactions. XXXX XXXX   portal also appears to systematically fail clients. I keep having to re-register, with no success. Recently, I received an SSI payment of {$780.00}. I know from simple store expenses that there should be a minimum of {$500.00}. Today I called XXXX XXXX  to dispute two charges ( something I have been trying to do for weeks ). I was informed my balance dipped to {$100.00}. It is inexplicable. However, XXXX XXXX will not provide on their automated system, transactions leading up to the balance in question. XXXX XXXX call center simply refused to provide clients with the means to see the daily transactions and balances, and to dispute charges. XXXX XXXX   fleeced me last month in a similar MO, and the month prior. XXXX XXXX  must provide immediately clients with details about transactions and allow clients to dispute them on the spot. Even the simple act of reporting a card as been compromised is out of the question with XXXX XXXX/
Consumer complaint received 2019-05-20
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. (OH)

Equifax shows I still have a open dispute for XXXX dollars. I paid the XXXX dollars in XX/XX/18 the report was never removed after being assured by 2 other people and it ruined my chances of getting a house. I was declined the opportunity. This is unacceptable I would like to move further in life knowing I can get a home of my own. Please help my Im on a very limited amount of time and would like a home of my own.
Consumer complaint received 2019-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

On XX/XX/2019 we called ditech mortgage because we were not receiving a statement. XXXX at ditech in XXXX Arizona mentioned that she could not send us a statement. our option was to pay an amount that she gave us and include this new mortgage account. at this point I asked for a copy of my agreement/ obligation to pay this company. I am still waiting for a copy of this agreement/ note with them.
Consumer complaint received 2022-05-18
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. (GA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following items are 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 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 Balance : {$170.00}
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On the following dates XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX and many others by phone mail and online have disputed with Transunion. and as recent as XX/XX/XXXX I filed a CFPB complaint # XXXX. Informing Transunion of the constant errors on my report regarding a alleged public record which contains Docket # XXXX. 
SEE ORIGINAL DISPUTE.pdf Transunion have neglected to properly investigate. I have requested Method of Verification on numerous occasions and they Have failed to comply. 
( SEE METHOD OF VERIFICATON PDF ). 
They have failed to place the required notice of dispute. They have yet to provide me with the Name of the Furnisher. 
The alleged public record should only be allowed to be reported to my consumer file if Furnished or verified by the original creditor. Evidence A.pdf is a letter that was provided by the Deputy Clerk of the US Bankruptcy Court or ( Original Creditor ). Clearly states they DO NOT report directly to ANY Credit Bureau. 
Evidence B.pdf is a Tri-merge snapshot of my credit report public record section. Evidence B.pdf also displays inconsistent reporting. FCRA clearly states if the information is not 100 percent verifiable. It can't remain and must be immediately removed from a consumer file.
Consumer complaint received 2022-11-18
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)

I am requesting documentary proofs ( the hard copies ) providing Equifax my written permission or instructions to furnish the listed negative accounts on my consumer report, which are attached to this complaint. 

Please do not send any debt verification or validation, only provide me with a hard copy of my written permission or instructions ( my written proofs ) for the referenced accounts with Equifax.