davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

My account with ( XXXX, ALLY FINCL, XXXX XXXX ) was never late! I have had exceptional payment history with capital 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 ( 30-90 days ) 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. 


( XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX XXXX : {$11000.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$77.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$74000.00} XXXX XXXX XXXXXXXX Balance : {$53.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-09
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. (MO)

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 informationisinaccurate.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (DC)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

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


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

I demand the late payment reported in ( 30-90 days ) 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 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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX  Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Consumer complaint received 2024-10-21
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)

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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX 2016, someone used my credit card numbers fraudulently. I ordered XXXX, XXXX and Transunion credit reports which shows that on XXXX/XXXX/16 someone impersonating me obtained my credit report : On my Transunion credit report the most information was provided. It states that I order the report and the permissible purpose is : Consumer Request. The company that provided the report is Transunion Interactive XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, CA XXXX which is a wholly owned subsidiary of TransUnion LLC. Soon after, credit card companies were calling me about my request for credit and advised that all my personal information as well as SS # were provided. When I call both Transunion and Transunion Interactive, they stated that anyone can order the report under a number of websites and that it shows that I ordered the report online. I spoke with customer service, the manager and online department. The all stated that they could n't help me or figure out who obtained the report. What they did was to provide my credit report to an identity thief who also contacted the US Post Office to temporarily change my address to one in New York ( where I do n't live ) They did not help me and told me that it is just a soft request so should n't be a problem.
Consumer complaint received 2024-10-09
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC. (FL)

On XX/XX/year>, I sent my first letter requesting validation of this account. I followed up with a second letter on XX/XX/year>. Despite these requests, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not provided the necessary proof to support the legitimacy of this debt. As a result, I am requesting that XXXX, XXXX, and Equifax remove this alleged account from my credit report under the Doctrine of Estoppel by Silence. 
1. Not authorized to conduct business in the state of Florida.

2. Failed to cease collection ( XXXX, XXXX, EQUIFAX ) on the debt validation PROCESS
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I am disputing a late payment from XXXX XXXXXXXX XXXX XXXX. This late payment is not accurate at all. I have maintained my payments up to date. XXXX payment included XXXX payment and XXXX payment isn't past due where it is XX/XX/XXXX.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have previously lodged a complaint regarding my XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) under the reference number XXXX. Documentation from the IRS confirms that wages have been withheld for the XXXX XXXX card account. However, I have observed discrepancies in the account over the past few years.
Consumer complaint received 2024-10-09
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. (TX)

Unauthorized accounts linked to identity theft have appeared on my consumer report without my written consent or wet signature. I've previously contacted your organization about this issue and am now formally demanding these accounts be promptly blocked and removed from my report. Their presence has caused me significant emotional and financial distress by misrepresenting my credit history and obligations. If this isn't addressed appropriately, I'm prepared to take legal action to protect my rights and seek resolution. These fraudulent entries have impeded important financial goals like purchasing a home and providing for my family.
Consumer complaint received 2017-01-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Asset Management Outsourcing, Inc. (KY)

I got a call and they had my name, address and date of birth wrong. They would n't identify who they were but when I called back and asked for supervisor she, XXXX, told me they were skip tracers. She was very reluctant to even tell me the name of her company and got pretty smart with me. I asked her if she was a repo company and she said no. So i asked why they called and she finally said collections. I asked for what and she told me a medical bill. I told her I disputed it. And she told me that she could see I never received any bills because all the information was wrong. I asked what happens from there and she has not answered me. I have no idea what to do from here. I have never received a bill or letters. I would pay the bill but it should n't be on my credit. They have been mailed incorrectly and that 's not my fault.
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

NationStar purchased my mortgage. The initial communication was via phone. I had to request the documentation regarding the transfer because I did not receive the letter from my previous mortgage holder or NationStar. NationStar continued to harass me for payments even though I said I would pay after I confrimed they were the new holders of the loan. I told them to no longer call me as I have received 15+ phone calls asking for money. The last time I spoke to them via phone I told them if they call me again regarding payment before I can review the documents, I would file d a complaint with the CFPB regarding the transfer and my request to no longer received phone calls. They have also sent text messages to my phone which is also a violation of the communication of this debt as other people can see my phone when these text messages pop up.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$700.00} Dear XXXX, I am writing in regards XXXX Account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/XXXX I have not received any information or correspondence regarding this account. 


I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. 

XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I noticed some incorrect information on my credit report, which falls under 15 USC 16c-2. This inaccurate data is affecting my credit score, and I did not authorize the listed inquiries.
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Coradius International LLC (CA)

I received a letter from a company American Coradius International LLC claiming that I owe debt to XXXX, XXXX Account Balance is showing {$130.00} My current balance with XXXX is XXXX dollars and I 've never had any issues with XXXX . At the same time XXXX does not seem to be taking this issue seriously. The letter I received from a debt collector seems to be a straight up extortion. Claims that if I do n't respond to the claim in writing within 30 days, the debt will become valid. 

I 'm not going to respond to them as I believe it 's a scam!
Consumer complaint received 2016-07-03
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (TX)

AD ASTRA RECOVERY SERVICES contacted me and said I had a loan with XXXX XXXX. I told them I did n't and to send me verifiable proof that I had a account I knew they would n't be able to because this was Identity Theft. They said they could n't provide any information on the account. I spoke with fraud dept, called repeatedly, sent affidavant and proof of theft by authorities. After all that trouble they reported collection accounts to all three bureaus. They refuse to delete the untrue information I have disputed with bureaus but they still remain on reports. This company deliberately harmed me by reporting untrue information damaging my credit.They need to fix it .Identity Theft is bad enough without ASTRA trying to damage my credit for something I had no control over.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX v. XXXX and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX - I called Capital one to find out what I needed to do to change my name and remove my husband from my account, where I am primary card holder, they took information and restricted my account without me knowing about it which caused me to lose over {$500.00} in points. Everyone apologized for and admitted that they made mistakes but i was still out the {$500.00} while I had an outstanding bill in excess of {$900.00}. No one informed me that i was getting a new account or this would casue me to lose the {$500.00} in points. They escaleated it to the highest complaint and said yes, they are aware they forfeited my {$500.00} but there was nothing I could do about it. They admitted they gave me misinformation. They closed my account, left me a {$900.00} bill and took my {$500.00} in points away.