davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (PA)

My account with XXXX XXXX XXXX XXXX XXXX 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 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 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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

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 2021-12-09
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. (PA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2024-08-23
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. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
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. (PA)

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-08-22
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-26
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)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 information is inaccurate.
Consumer complaint received 2024-08-26
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WA)

I received an escrow analysis from my mortgage servicer Loancare on XXXX/XXXX/XXXX. There was a check for {$170.00} for overpayment to escrow. Then I notice, they raised my payment by almost {$100.00} per month for an anticipated escrow shortage for XXXX. Looking closely at the analysis, I saw a gross miscalculation on what my next years taxes would be which is why they were raising the payment. I checked with XXXX to assess what the taxes would be and was correct that Loancare made a gross error. I called Loancare immediately and sent concern via email. Email went unanswered. The agent I spoke to could see the error and requested a new escrow analysis. 2 weeks later I received a statement still indicating the wrong payment amount and no info on the new analysis. I called again and was told the new escrow analysis would not be complete till XXXX XXXX. I expressed concern about my XXXX payment. I was assured it would be done in time. Checking account on XXXX XXXX showed no change. I did send a payment of {$1200.00} which was less than the statement, but more than what I should have been charged to cover escrow and called again ( XXXX XXXX ) I was assured they knew of the error and they were working to correct. Today, they show receipt of my payment, they took PMI ( which I 've asked to be removed since my loan to value warrants, but they say they can keep charging for the first 12 years of the 15 year loan ) but have not applied the rest to my account. Now I 'm afraid my credit rating will be damaged because of their error and their lack of attention in getting resolved in timely fashion. Tried to call today to check status and was on hold for 20 mins. Gave up. 
They are already holding way more of my money in escrow than allowed by law, and now endangering my good credit rating by not applying the payment I made. I am in progress of refinance to get away from them. But you should know, this company seems to have some very dirty practices in taking and holding customers money. 2 months to resolve an issue like this with as many calls as I 've made to them is incomprehensible. They do not respond to requests and issues made in writing either. 
Even if you ca n't help me, LoanCare 's practices and customer treatment should be looked at. I would bet I 'm not the only XXXX they 've done this to. 
Feel free to contact me if you need more info. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

I have filed several complaints to this company and they insist on charging the wrong amount. It 's a healthcare debt for which my insurance has guaranteed I do not owe as much as the debt collection agency says I owe. The debt collection agency says the health insurance does n't cover it, which does n't make sense because the health insurance says that I do. I am unsure what road I should take now
Consumer complaint received 2015-11-11
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

To whom this may concern, Scottrade Financial Services, Scottrade Bank, and Scottrade Brokerage were a victim of an enormous hack during XX/XX/XXXX and XX/XX/XXXX. Scottrade Bank, Scottrade Brokerage, and Scottrade Financial Services were warned about these cybersecurity issues at a technical and cultural level yet no action was taken. 

I would like Scottrade Financial Services, Scottrade Bank, and Scottrade Brokerage to provide me with instructions on how to file a dispute with their companies. Specifically, Scottrade Bank and Scottrade Brokerage have failed to provide clarification on the currently conflicting and alleged dispute policies and Scottrade Financial Services has no dispute policy what so ever. 

If Scottrade has any concern for the fraud that occurred and the continued danger they are putting their customers in, I respectfully request that Scottrade step up their game and putting customer care as a higher priority.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THIS LATE PAYMENT ASSESSED ON XX/XX/year> IS FALSE. I EXTENDED MY LEASE AND MY AUTOPAY WAS CANCELLED WITHOUT ME KNOWING. AS A RESULT, I WAS CHARGED A LATE PAYMENT THAT I DID NOT HAVE THE INTENT TO DO. I WAS ALWAYS ON AUTOPAY AND ALWAYS HAD FULL INTENTIONS TO PAY MY MONTHLY OBLIGATION. I WAS REFUNDED THE MONETARY LATE FEE BUT THE CREDIT REPORTING IS MOST IMPORTANT TO ME. PLEASE REMOVE THE LATE PAYMENT AS A COURTESY AS I WAS NEVER MADE AWARE OF AUTO PAY CANCELLATION.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

New complaint : THIS IS NOT A DUPLICATE Subject : Urgent Request to Correct Discrepancy in Credit Score To Whom It May Concern, I am writing to address a significant and concerning discrepancy in my credit score as reported by TransUnion. My TransUnion score is markedly lower than those reported by the other bureaus, despite identical information being provided to all agencies. This discrepancy appears to be a deliberate oversight, influenced by my race and gender. 

I have attached my scores for your review. The consistency in the information across all bureaus makes it clear that this lower score from TransUnion is unwarranted. I demand that you address this issue immediately by properly applying my CFPB and FTC complaints, ensuring that my rights as a consumer are protected. It is imperative that TransUnion stops relying solely on the inaccurate reporting by creditors and instead upholds its obligation to provide fair and accurate credit assessments. 

I expect my score to be corrected and raised without delay. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (VA)

I visited Macy 's on or about XXXX XXXX, 2015, with friends. I was asked if I wished to if I if I wanted to apply for a Macy 's account to receive an additional discounton the purchase ( & gt ; {$15.00} total purchase ). I was asked for my identificationand to fill out an application ; I complied with both requests. After somemonths I noticed that I had not received a bill or the card for that matter. 
I contacted Macy 's by phone and spoke to a individual regarding themissing bill and card. We discovered that the wrong address had beenentered for my mailing address and that the bill and card were returned. 
I gave the individual the correct address which was on the application Ifilled out and it was agreed that the bill should come to the addressindicated on the application. I was then told that I would be responsiblelate fees in addition to the interest and that they would not considerremoving the additional charges even though it was the company 's oremployee 's error. Had she ask me if the address on my license wascorrect I would have told her to use the address on the application I wasrequired to fill out. I will gladly pay for the XXXX that Ipurchased, however, I refuse to pay for employee/company error.
Consumer complaint received 2015-11-11
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: High Point Asset Inc (FL)

Hi I 've been getting calls from XXXX different companies stating i owe money from several payday loans i never even applied for. XXXX of them is highpoint assets XXXX thats their phone number. I spoke with them numerous times and told them that I never took out any loan of such kind. They stated it was XXXX different loans that round up too XXXX dollars. The agent told me what could i counter offer him and I was just in shock of what I had just found out. Never in my life have a ever taken out a payday loan and now 3 years later I get a phone call stating i took out XXXX payday loans from 2012. It just doesnt make sense to me. I told them to mail me a validation of debt letter, he said he could email it to me quicker, i said thats fine but i would still like to receive it by mail. Im still waiting on that. In the end i told them that i was going to the police to file an identity theft report because i know i never took out these loans. They said thats fine and to make sure to fax them the police report once its done. The second company that called me scared quite a bit. It was a guy named XXXX calling from XXXX XXXX XXXX. This guy was stating I took out XXXX different loans worth XXXX dollars and if i didnt take immediate action that i could be charged with bank fraud and have my drivers license suspended. He said that he could get rid XXXX of the loans and i would just have to pay XXXX dollars. I told him this is news too me, never in my life have i ever taken out a payday loan. I explained to him that i need this to be investigated because i know for a fact that someone has stolen my personal information. He said he would help with the investigation but that i would need to provide him with my debit card number that we could start our settlement and this wouldnt be taken to court. I feeling vulnerable and scared gave him my debit card number but after i did more info later that day i called my bank and had them cancel out my old card and supply me with a new one. I honestly dont know what to do. I know i never took out these loans. Should i file a police report for identity theft? Or should i just ignore these calls. I was stupid enough to give high point asset my current email and last XXXX of my social. I just want this to end. Its been an annoying month receiving calls from these people.
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NC)

Seterus, Inc filed a false report with the XXXX major credit bureaus indicating that my XXXX 2015 mortgage was late when in fact they received the total loan payoff on XXXX XXXX, 2015. It should be noted that late fees are not assessed until the XXXX of each as per the terms and conditions of our contract. I am unable to secure a mortgage for my new home because of their actions.
Consumer complaint received 2015-07-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (IL)

AES/NCT/XXXX have multiple credit marks on my credit. I never signed an agreement with NCT/XXXX and I have no proof they still own my debt since NCT is a trust ( not a lender which AES claim ). It is illegal to claim NCT is my lender when I never signed an agreement with them. I have multiple marks on my credit which AES claims they ca n't remove even though they are the ones reporting on my credit not NCT/XXXX and AES/NCT is on my credit report even though I never signed an agreement with either company. AES claims NCT will not remove any items from my credit ( they are lying because they can remove them ). I hate dealing with AES because they are bunch of liars and XXXX XXXX is a XXXX because she does n't know she is talking about. She claimed last year that I gave them my mother 's number when the XXXX party collection XXXX actually changed my personal information without my permission. I would n't give my mother 's number out to anyone but she claims I did and never apologize for the misinformation. AES often give out bad information because I record their calls. I will urge everyone to start filing complaints with CFPB so AES can be shut down. They are engaging in illegal business practices by claiming NCT is my lender when they are a trust. NCT does not lend money out because they are a XXXX party debt buyer of student loans which means they must adhere to the FDCPA and FCRA plus the trust regulations. I want all negative items removed from my credit because I do not want to deal with AES anymore because they are an evil company that should be shut down. I also have reps sending my debt forms by email even though I have told them several times, I will NEVER DO AUTO DEBIT WITH AES SO STOP SENDING THEM TO ME. I do n't trust AES to go into my checking account so there is no need to shove this product down my throat. I want see proof that NCT is the lender of this debt, I need to see paperwork that shows I signed an agreement with NCT/XXXX.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX is flagrantly listing wrong information on my credit report that does not include any payments made, nor the correct balance, nor any dates of payments. The information that is listed by XXXX on my Credit report is wrong. The accounts need to be deleted from my credit report as they contain wrong information in flagrant violation of the Fair Credit Reporting Act.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX is listed as a derogatory items on my credit reportXXXX is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. XXXX XXXX is intentionally reporting wrong credit information on my credit report and it has negatively affected me.
Consumer complaint received 2015-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ResidentCollect, Inc. (GA)

I received a letter in the mail from ResidentCollect Inc. for an account that I did not open with them. I have never given Resident Collect my social security number or address. They contacted me via regular class mail with a letter dated on XXXX XXXX, 2015. This was and is their first letter that they 've ever sent to me. In the letter they stated that unless I notify their office within 30 days after receiving this letter, their office will assume the debt is mine and that they will obtain a copy of a judgment and mail me of it.
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (NY)

This company continues to report a account that is not mine to the credit reporting agencies. I have disputed this and asked for proof this belongs to me and they will not provide me proof. This is not my account and I actually have a current time warner account which is not the account number this creditor is trying to collect on. I do not know who this account belongs to and this needs to be removed. I can provide my current time warner account bill if needed which is in no way associated with this fraudulent account.
Consumer complaint received 2015-11-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company (IN)

Company calls XXXX times a day. Either they dont leave a voicemail or when I answer, they hang up. When I try to call them at XXXX or at XXXX I get put on terminal hold by the auto attendant. The company in question is : Focus Receivables ManagementXXXX XXXX XXXX, XXXX GA XXXXI do not know of ANY account that I have with them and cant find out as they never leave a message or they hang up when I answer. This goes on all day and all evening XXXX times