davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-12
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. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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

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

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 2024-10-17
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)

When I reviewed my credit report, I discovered that some of the information were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-16
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. (TX)

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 2024-10-16
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. (NJ)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. Inaccurate Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Consumer complaint received 2024-10-16
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)

Fraudulent applications were submitted using my personal information. Please remove inquiries Equifax Report XXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXX  XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX. ( XXXX )
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

THIS CREDITOR HAS WRITTEN THIS ACCOUNT AS A PROFIT/LOSS. I'VE CONTACTED XXXX TWICE PLEADING FOR THE 1099C TO BE ISSUED SO THAT IT CAN BE FILED WITH MY TAX RETURN. I'VE HAD NO SUCCESS AT OBTAINING THIS DOCUMENT AFTER NUMEROUS REQUEST. PER IRS, ONCE THE ACCOUNT IS CONSIDERED PROFIT/LOSS IT IS NOW TAXABLE INCOME FOR THE CONSUMER. 

THIS ACCOUNT IS NO LONGER VALID AND INCOME CAN NOT BE REPORTED ON TO A CREDIT PROFILE. I HAVE CONTACTED THE CREDIT REPORTING AGENCIES ATTEMPTING TO GET THIS RESOLVED. I AM REQUESTING THAT MY CREDIT PROFILE IS UPDATED WITH THE CORRECT INFORMATION, THERE SHOULD NOT BE A BALANCE. 

REPORTING INCOME TO MY CREDIT PROFILE IS IN VIOLATION OF 15 USC 1681E ( B ). THESE COMPANIES HAVE THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER REPORT.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This complaint is to inform you of the inaccurate & incomplete accounts that are being reported on my credit report. My name is XXXX XXXX XXXX and this is not a third party filing this complaint. Please see attached documentation and delete those accounts for they are inaccurate & incomplete. Thank you
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

A XXXX XXXX XXXX  organization known as XXXX is negatively reporting against me to credit bureaus for a XXXX XXXX I've already paid off in full to a 3rd party collection agency. 'Account : XXXX ' is what XXXX uses to reference me in their system. 

A collection account was opened by a different agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. They directly contacted me soon after and I began to make payments towards my balance to the creditor ( notated as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My last payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have documentation to reference my original balance, payment history, and now cleared balance. I will attach what I can now, please let me know if any additional documentation is needed. 

XXXX continues to hound me for payment on this already paid loan, my primary goal is to have them withdraw/close any open account they have reporting to any credit bureau, and to potentially seek legal action for reparations for leaving my credit score at a disadvantage.
Consumer complaint received 2024-11-12
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I opted for no-contract XXXX XXXX and XXXX service in XX/XX/year>. Since my current mobile service expires in XX/XX/year>, I thought I would wait to activate the service until then and only activate the internet for now. 

I am aware that companies can surprise charge you. To avoid this, I called an XXXX XXXX rep. I explained my situation, and the rep mentioned that a delay option was unavailable. However, they could close my account and reopen it in XXXX or whenever I need it without any issues or costs. 

I asked what if I get charged in the future, if not now, for doing this, and the rep mentioned that they could not see any fees linked to my account and that since I had never activated or used the mobile service, they could close it and assured me that I will not be charged now or in future. I asked them again to check with their colleagues to avoid any complications in the future, and they assured me that I would not be charged with any hidden/junk/surprise/activation fee. 

I cross-checked my account, and there was no fee or outstanding balance since I never used/activated the service. But I asked XXXX times in total that if there is a charge, I would rather not close it because I liked the plan. I am still using their Internet service. 

I approved closing my account since there was no charge. They closed my account and removed my credit card details. Later, on XXXX XXXX, I received an XXXX email that wrongfully said that my account was disconnected on XXXX XXXX due to non-payment of an outstanding bill of {$XXXX} for my mobile account. I immediately called the XXXX XXXX dept and asked them for an explanation ; they mentioned that since I did not close my account within 14 days of opting for the service, I am being charged a fee. I told them that an XXXX  rep assured me I would not be charged, so I approved closing my account ; otherwise, I would have used the service and avoided the charge. I also asked them to investigate the earlier rep conversation and escalate it because of the false info they provided and misguided a customer willing to opt for their services. They said they would escalate it, and I should get a notification via email/call, but I never received anything from them again. 

Later, it was sent to XXXX XXXX XXXX XXXX for collection, and they, in turn, reported this Credit Bureau, which I learned when I was planning to buy a car after someone hit my car. This action dropped my XXXX XXXX by over XXXX points, blocking me from buying a car. Now, my family is without a car, opting for XXXX daily for a cost. 

I request that CFPB investigate this case, which is based on providing false information to existing customers and misguiding them to incur unwanted hidden/junk charges that have also affected customer 's XXXX XXXX, intent to finance anything and life overall.
Consumer complaint received 2024-08-26
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 submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX days.
Consumer complaint received 2024-10-17
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. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

THE COMPANY CHARGED OFF THIS ACCOUNT AND FILED ON THEIR TAX RETURN. 15 USC 1681 ( e ) B. I REQUESTED A 1099C AND HAVE NOT RECEIVED IT. ACCORDING TO THE IRS, THIS DEBT IS CONSIDERED CANCELED. THIS ACCOUNT SHOULD NO LONGER BE REPORTED WITH A BALANCE REQUESTING PAYMENT FROM ME. 

Account info Account name XXXX XXXX Account number XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX {$650.00} Balance updated XX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recently discovered after viewing my Credit Journey in my XXXX app, that there is a Capitol One credit card in my name opened on XX/XX/year> that I never opened. I called Capitol One to notify them and the rep XXXX XXXX told me that they could not find it using my information. I dont have the full account number either or Capitol One documentation. As it appears on my credit report there is a {$5000.00} limit and no use. The last 4 digits are # XXXX. 

I put an initial alert under my name for all 3 bureaus and they, and Capitol One will be receiving certified letters as well.
Consumer complaint received 2024-10-17
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. (VA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance Owed : {$3000.00}
Consumer complaint received 2024-08-26
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. (IL)

I don't recognize the following inquires on my XXXX report. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> I have filed an identity theft report Want these removed immediately
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Dear Capital One I am writing regarding my account, which was recently closed. I believed I had paid the account in full, but I noticed a missed payment has been reported on my credit report as of today. Ive since paid the account balance and respectfully request that you consider updating the account status to " Paid as Agreed '' as a gesture of good faith. I have always aimed to maintain a positve payment history, and any adjustment you could make would be greatly appreciated. Thank you for your time and consideration.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-10-17
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. (LA)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.