davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX, I am not an attorney or a third party, I am filing a CFPB Complaint on my own behalf because it is my legal right to do so. I have some accounts that were reported as late during the COVID Pandemic Shut Down. I was told to file a dispute due to the fact we ( U.S. Consumers ) were under the protection OF the CARE ACT. The XXXX XXXX protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020, that allows for accommodations. The following accounts were reported as late XXXX XXXXXXXX XXXXL # XXXX COVID LATE, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XX/XX/2020, XXXX XXXX XXXX SERVICE # XXXX, CREDIT XXXX BANK # XXXX COVID LATE, XXXX XXXX # XXXX XXXX 2020 XXXX XXXX Please remove the late pay status asap. My income was affected due to the Pandemic shutdown from XXXX. 
I have some issues with unrecognized addresses on my credit file please delete remove the following addresses : XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX have inculed my id and mail for proof of address.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

equifax is not giving an update. I have submitted disputes from months ago but still have yet to get an update on my score or address the incorrect information on my credit report. 

I submitted disputes regarding hard inquiries that weren't authorized. Also there are medical collections on my account which is a HIPAA violation and insurance already paid for it.
Consumer complaint received 2023-06-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-11
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: Experian Information Solutions Inc. (MN)

I submitted a previous complaint and was told it was being worked on. However, experian allowed the company to again submit for payment on an already settled account, and one they said was being investigated and worked on. This happens every time experian states they are resolving it, yet the company keeps submitting for an already settled claim.
Consumer complaint received 2023-06-11
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (TX)

I purchased in XXXX store on XX/XX/2023 with this XXXX gift card for {$500.00} dollars, and they suspended my car for first time used online, then I called them they said they will send me a new card, wait for 7-10 business days, but after that period I have still not received my card in the mail. I keep doing same thing called them to get my replacement card more than 5 times, and until now I have still not receive my card, all their agent do is escalating my case but never get any update why this replacement card is unable to deliver. and this company do not give any case number to me, I suspect they doing this on purpose. 
they told me the gift card number is my case number
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (FL)

Lendingtree is using deceptive practices to pull your credit information and give to 3rd Party vendors without you being aware. Their website is setup in a way where the consumer answers very generic questions about your home, then they ask for your name and DOB. Buried deep within disclaimers they claim the consumer electronically signs and gives consent for them to match the information you give to pull credit report information and your SSN to give to 3rd Party vendors. There is no way a consumer has any indication they will use this information to pull your social and its purposely designed this way. They also claim you give up all your rights with your electronic signature. There is no where during the process that explicitly states you are electronically signing anything. This needs to be stopped and not allow them to hide behind hidden disclaimers hidden deep within their website which says you agree if you browse their website.
Consumer complaint received 2024-09-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (NC)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-07-29
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: Experian Information Solutions 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. 

these accounts : XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX. 
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 information is inaccurate.
Consumer complaint received 2023-06-11
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. (CA)

The following accounts are unverifiable and a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have made multiple attempts to resolve this matter with this credit bureau. I have asked to provide me with any type of proof bearing my signature and they have failed to do so. Also, In accordance with the Fair Credit Reporting act. The List of accounts above have 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 information is inaccurate.
Consumer complaint received 2023-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I keep getting harassed by resurgent capital and XXXX XXXX  for a XXXX  debt I never had and never used. I have asked for verification numerous times and they keep sending me inadequate verification and no real verification like a sworn affidavit of account from original creditor etc. a matter of fact their debt buying contract says that the original creditor does not warrant these accounts and they know it. See attached verification they sent which is an account summary they created! These companies should be investigated and XXXX down for their predatory tactics and I can not imagine how many people in this country they have scammed that doesnt know the law.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have sent numerous of letters to XXXX, equifax, XXXX! We have not heard a response in XXXX business days. By law if nothing is sent in 30 days they are to remove all accounts listed below. Also by law 15 USC 1681i says that there credit investigation would be done with a neighbor and they have not followed the laws. In my letters I stated I was take action. 

These are the accounts below : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and remove all Listed accounts from all bureaus.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.
Consumer complaint received 2023-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

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 I want these inquiries deleted immediately as they are in violation of my consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was told that these inquiries was not going to be hard pulls due to the fact I was apply for business funds. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 2023-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Identity theft, Every hospital bill on my reports are fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX are fraud. 
I did not consent. My identity was stolen. 


Please send to all credit bureaus
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 has violated my rights. 

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
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one closed my account after i lost my credit cards in XX/XX/2022. I could not log into my account and when i called i was told that i had to wait for a letter in the mail to get my balance to pay. I asked they why they closed my account they said because they could not long have a relationship with me based off their company standards. So i waited for the letter but in the mean while they were reporting me late when i was never late to begin with. I called to settle the debit with one exception that they fix the late payments. I explained what happen again and they said they would send me a letter. 2 months later i get a letter saying that i was late. I don't understand how i could be late on closed account?? does that even make sense. this is affecting my credit and i need this fixed. i have disputed several times and request verification and never get anything. 

Reporting late on XXXX XX/XX/2022 to XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (NJ)

The following account was a fraudulent account that someone stole my identity opening a XXXX account for service. 
When I realized this was on my report i called XXXX XXXX the collection agency and advised them of the situation, the supervisor advise me I can pay a lower amount to settle the account which I did. The supervisor advised me this would completely come off my credit report ( Experian ) with in XXXX days. It has been over 3 months and it is still on my report. 
I need this to be removed to continue operating my business as a real estate investor. With this mark against my report, it has held me up from obtaining loans.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (NJ)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with maximum accuracy. I have never been late on payments for the account. 

Account XXXX XXXX Account # XXXX Please investigate and provide proof with statements showing these payments were late. If proof can not be provided, I demand these payments be updated to on time as they should have never been late. Thanks
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kansas Counselors, Inc. (KS)

In early XXXX of XXXX, I was alerted by XXXX XXXX that I had a negative comment that impacted my credit score. The comment was that Kansas Counselors , Inc., showed an unpaid bill from XXXX XXXX XXXX , XXXX, in the amount of {$770.00} for a visit to XXXX XXXXXXXX XXXX ER on XX/XX/XXXX. I contacted XXXX XXXX XXXX several times in an attempt to get them to remove the debt from my records. They refused. I filed a complaint with XXXX on XX/XX/XXXX, and I received their response today, XX/XX/XXXX. Their response was : " If XXXX was able to make changes to your credit report based on information you provided, they made those changes. Otherwise, XXXX asked the company reporting the information you disputed to investigate. '' I paid my copay of {$90.00} to XXXX XXXXXXXX XXXX on XXXX. Despite this fact, XXXX XXXX XXXX, Kansas Counselors and the XXXX XXXX XXXX have been unable to remove this negative remark from my credit score. I have never received a single letter or phone call from Kansas Counselors  since the account was sent to them on XX/XX/XXXX.
Consumer complaint received 2021-01-21
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCY I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX XXXX XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (UT)

On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.