davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

After notifying Equifax that I am a victim of identity theft, I requested a number of accounts be blocked as they are a result of identity theft. Meaning, I did not authorized sign or agree to their opening. Equifax, presumably accepted my request but without notifying me, converted my request to a dispute instead and have never sent the results of that dispute till this very day. Which is in violation of law. Then 30 days later sent me a correspondence stating they verified some of the information as belonging to me. This could not have been so, as my identity was stolen and used without my consent and knowledge. So my question is, what did Equifax verify? Additionally, Equifax refused to block these fraudulent accounts as identity theft, but they placed an identity theft fraud alert on my credit report. Again without notifying me that they accept my request in part. Lastly, Equifax has a history of refusing me access to my own reports, allowing un-authorized disclosures of my report and creating duplicate files for me and placing negative outdated credit accounts on it, and distributing this information to requester of an accurate credit file. Equifax refuses to block the following accounts and refuses to provide proof that I am the owner of these accounts because they know these accounts are identity theft they just want to continue to get paid for reporting fraudulent information. I am filing this complaint because they are still playing. I am going to sue their XXXX if they dont correct this. Please help me get these fraudulent items blocked from my credit file. Equifax is the only one reporting them. XXXX XXXX**** {$470.00} XX/XX/XXXX XXXX XXXX**** {$5700.00} XX/XX/XXXX XXXX  XXXX**** {$1300.00} XX/XX/XXXX XXXX  XXXX  XXXX  XXXX**** {$0.00} XX/XX/XXXX XXXX XXXX**** {$24000.00} XX/XX/XXXX XXXX  XXXX**** {$24000.00} XX/XX/XXXX XXXX  XXXX  XXXX**** {$24000.00} XX/XX/XXXX XXXX  ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX**** {$62.00} XX/XX/XXXX XXXX XXXX**** {$490.00} XX/XX/XXXX XXXX XXXX**** {$84.00} XX/XX/XXXX XXXX XXXX XXXX**** {$18000.00} XX/XX/XXXX XXXX  XXXX  XXXX**** {$270.00} XX/XX/XXXX Collection/Chargeoff
Consumer complaint received 2020-03-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

I received an attempt to collect a debt in the amount of {$5400.00} letter dated XX/XX/XXXX from XXXX. The letter clearly stated " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, the office will assume this debt is valid ''. 

This clearly means that prior to that 30 days, the office should not assume that the debt is valid yet on XX/XX/XXXX, I received a credit monitoring alert that I had a new collection account which was reported by the company unlawfully and to make matters worse ; the item is showing as a collection item under the name Jefferson Capital System ( a company I have NEVER had communication with nor has an attempt been made to contact me ) and falsely reporting that the account was opened on XX/XX/XXXX. 

The letter further states that " If you notify this office in writing within 30 days from receiving this notice, that the debt or any portion thereof is disputed, this office will obtain verification of the debt or obtain a copy of a judgment and mail a copy of such judgement or verification ''. 

Please be advised I have requested VALIDATION { not verification } ( Notarized and mailed via USPS Within The 30 Days of XX/XX/XXXX ) of an item sold to XXXX by the original creditor/collection agency. I have received a response that clearly violates my rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the above mentioned accounts.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-08-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

Auto loan was paid in full on time. 
The Bank charged off the entire loan due to a late charge I was disputing. I decided to pay the late charge, but because they left the loan open during the dispute It was charged off because of 90 days. I paid the late charge. 
The Bank never sent written notice that the account was going to be charged off unless payment in full was received before a certain time frame. I was making payments on the late charge. 
Its not marked as a paid charge off on Credit reports. It should have never been a charge off at all. The principal of the loan was paid on time. Late charge was the reason for charge off. Unfair practices from Wells Fargo Dealer Services. No written notice was sent to me before account was charged off while I was making payments on Late charges that I was disputing with the office of the president if Wells Fargo Dealer Service
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: SYNCHRONY FINANCIAL (DE)

In XX/XX/XXXX, I received a loan from XXXX XXXX for flooring. The salesman indicated that I could take advantage of a 12 months no interest loan. Having done these types of loans in the past, I agreed to it. I knew that I would be able to pay the loan balance, which was a little over {$4000.00} before the accrued interest would kick in. I walked away believing that I had not payments due, including interest, until 12 months after the loan origination date. In XXXX I received a statement and there was language stating that if I didnt pay the entire balance by XX/XX/XXXX, that I would have to pay the accrued interest. Again I believed that I had just under 1 year to pay the loan if I didnt want to pay interest. In XXXX I received a letter telling me that I had missed a payment for XXXX. I was confused because I thought I had a year before I had to make payments. The payment due date, as I learned, was XX/XX/XXXX. Additionally, my XXXX payment was due on XX/XX/XXXX. In XXXX after receiving the delinquency letter, I contacted Synchrony Bank and explained my concerns that the program seemed confusing and misleading. On XX/XX/XXXX I made a payment to cover both the XXXX payment and the XXXX payment, which had a due date of XX/XX/XXXX. After making the XXXX payment I schedule payments to be auto-payed up through XX/XX/XXXX. During late XX/XX/XXXX, I checked my credit reports and saw that Synchrony Bank had reported that I paid on time in both XXXX and XXXX, but that I was 30 days late in XXXX. The 30 day late is not accurate. For XXXX, my payment due date was on the XXXX. My payment posted on XX/XX/XXXX for {$160.00} ... just 13 days beyond the due date. However Synchrony bank reported that I was 30 days late to the XXXX credit bureaus. I called Synchrony Bank to express my concerns and was told that I was reported late because they had generated a new statement prior to my payment posting. They explained that the 30 day late clock begins to run at the Statement generation date and does not begin with the payment due date. So if the XXXX Statement was generated on XX/XX/XXXX, and if I made my XXXX payment on XX/XX/XXXX ... the payment would be reported as 30 days late ... when it really be only 9 days past the due date of XX/XX/XXXX. I would like for Synchrony to remove the 30 day late for XXXX from my credit reports, as it is really misleading to start a past due clock based on a statement generation date and not on the payment due date.
Consumer complaint received 2024-10-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Collections Dispute Letter ( with 15 U.S. Code 1681 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Date : XX/XX/XXXX To Credit bureaus Re : Dispute of Collections Account # [ XXXX, XXXX Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above ( XXXX XXXX  XXXX, date opened : XX/XX/XXXX, Setoyota fin dba of wo date opened : XX/XX/XXXX, Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately.

I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting 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 PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MN)

Delete these hard inquires in such an action of a complaint will be filed with identitytheft.gov. 
Also an improper use of my credit report and violates my right to consumer privacy/company used improperly by law. Unauthorized hard inquires/did not submit nor authorize applications for such credit as follows. 

XXXX XXXX XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (OK)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-11-02
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. (IN)

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2022, I took my partner out to dinner at XXXX! restaurant. After we were seated we waited over 15 minutes for a waiter to come over to take our order. We were told by another waiter that the person in-charge of our section was busy but would be over soon. After waiting about 5 more minutes, we decided we would place an order on the website to take home instead. When we were placing the order, the time of pick up was estimated to be about 15 minutes. When we clicked place order and our order was confirmed by the restaurant, our pickup time changed to 1 hour and 20 minutes later. We decided to wave over the nearby waiter and explained the situation and asked for the order to be cancelled and my money refunded. I was assured that they would cancel my order and I would get a refund in 5-7 business days. I didn't feel assured by the waiter saying that so I contacted Apple Card by Goldman Sachs within 20 minutes of the transaction posting and was told I could file a dispute once the charge cleared but they would let me file a dispute that would go through once the charge cleared. My statement above was included in the dispute. I was informed on XX/XX/XXXX that my dispute was denied. I appealed that response with XXXX the XXXX, who allowed me to attach my XXXX statement and call logs to the restaurant to the dispute. I was told I would get another response in 90 days. In XX/XX/2022, I received a balance reversal and contacted Apple Card again and was informed that my dispute was denied again and they would not allow me to submit further disputes and there was nothing they could do. This is unacceptable since I essentially was stolen from when I paid for a service that I did not receive.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. Additionally, I request that the credit reporting be corrected across all three major credit bureaus ( XXXX, XXXX, and Equifax ). 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : Please find attached copies of my payment records and any additional supporting documents to assist in your investigation. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( mo ) XXXX XXXX Presume that no proof of the alleged debt. Nor Therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX Balance {$910.00}
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

file ftc report on fraud account ftc report number XXXX sent to all three credit buearu they removed account from derogertory and placed it as closed but derogertory would like account removed and blocked company name XXXX XXXX DATE OPEN XX/XX/2015 AMOUNT THEY SAY I OWE {$420.00}
Consumer complaint received 2019-08-22
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. (FL)

I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX{$1500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/2019 {$1000.00} - XXXX XXXX XXXX XXXX XXXXY XX/XX/XXXX {$150.00} - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX{$83.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$83.00} INQUIRIES : - XXXX   XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTIONS : - XXXX XX/XX/XXXX {$1400.00} - XXXXXX/XX/XXXX {$1500.00} - XXXX XX/XX/XXXX {$1500.00} - XXXX XX/XX/XXXX {$1000.00} - XXXX XX/XX/XXXX {$1600.00} - XXXX XX/XX/XXXX {$820.00} - XXXX XX/XX/XXXX {$83.00} - XXXX XX/XX/XXXX {$750.00} - XXXX XX/XX/XXXX {$1000.00} - XXXX XX/XX/XXXX {$83.00} - XXXX XX/XX/XXXX {$150.00} INQUIRIES : - XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX : -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$83.00} - XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX {$1600.00} - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$820.00} - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$1100.00} - XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX {$750.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} -XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} -XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} - XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX {$150.00} - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$83.00} INQUIRIES : -XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX
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: Experian Information Solutions Inc. (MI)

Experian is reporting incorrect Student Loan Information for My Student Loan Accounts for XXXX and XXXX! They are reporting late payments for XXXX for XXXX and XX/XX/XXXX and a late Payment for XXXX for XXXX. I have disputed these with my borrowers and the have updated my loan information with all bureaus but Experian will not remove the incorrect information! The XXXX other credit bureaus have updated their information, but Experian has not, and when I Tried to dispute with them they said that because I disputed the information in the past they did not have to reinvestigate my claim!