davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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

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

I demand the late payment reported to be removed/updated.

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 paymen
t due date.

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!
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
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: EQUIFAX, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-04-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (PA)

Navient was sued by the United States Consumer Federal Protection Bureau and Pennsylvania Attorney General XXXX for their deceptive practices and more concerning Student Loan Debt. 
U. S. Department of Education was also involved and named in the Class Action Lawsuit.

Navient showed my account being adjusted due to claim, the settlement claim but the U.S. Department of Education never made any adjustments to my account as a result of the Class Action Lawsuit and at this moment during this Coronavirus Pandemic the world is facing, there are penalties being added to my account and deeply affecting my credit reports. 
It seems as though both agencies are still continuing their deceitful practices and handling of the Student Loan Accounts. U.S. Department of Education is not taking or accepting any part of these entries being part of Navient. Federal and Private Student Loan Accounts were handled by Navient and some were showing as double or triple accounts with penalties being added almost daily and being reported to the credit bureaus, affecting the credit scores and overall life. 
I am asking to have a copy of the results showing my Student Loan Account Forgiven in all as a result of the claim. I want a letter showing all account numbers, all of the amounts removed to include all penalties waived or reversed. 
Neither agency nor some of the employees seem to care about nothing else but to ruin other people lives even more so to included possibly having them XXXX or XXXX   themselves during this Coronavirus Pandemic. 
How can anyone try to help others when other people are doing a job to ruin lives with negative and incorrect entries on their credit life. 
Please read : XXXX XXXX XXXX Thank you, XXXX XXXX
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

XXXX, XXXX AND XXXX ARE REPORTING NEGATIVE ACCOUNTS ON MY REPORTS THAT ARE NOT MINE. THIS ACCOUNTS. XXXX XXXX XXXX, XXXX XXXX XXXX AND Jefferson Capital System WERE REMOVED AND PLACED BACK ON MY REPORTS WITHOUT MY KNOWLEDGE, PERMISSION, APPROVAL OR NOTIFICATION. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I had a debt that I owed XXXX XXXX XXXX  that was in collection with XXXX XXXX XXXX that was paid off on XX/XX/2019. We decided to settle for {$50.00}. Now all of a sudden Portfolio Recovery ( which is a different collection agency ) is stating that I still owe {$340.00} when I already settled with XXXX XXXX on the aforementioned date. Because of the wrong information that Portfolio Recovery has .. my credit score has gone down drastically. This is not right.
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. (CA)

This complaint addresses Equifax 's contradictory responses and willful non-compliance with FCRA requirements, particularly egregious given their own data breach 's role in compromising my personal information. 
SEQUENCE OF EVENTS : 1. Equifax Data Breach o Received notification from Equifax that my data was " impacted '' o Breach exposed sensitive personal information o Created heightened risk of identity theft 2. Identity Theft Occurrence o Filed FTC Identity Theft Reports ( # XXXX, # XXXX, # XXXX, # XXXX ) o Received confirmation from XXXX XXXX  that XXXX account was fraudulent o Submitted all required documentation to Equifax XXXX. Equifax 's Contradictory Responses a ) First Response : o Merely sent CFPB pamphlet o Failed to address identity theft claims o No action taken on fraudulent accounts b ) Second Response : o Claimed inability to block information o Directly contradicted FCRA 605B requirements o Ignored submitted FTC reports c ) Third Response : o Claimed previous investigation in process o Refused new investigation o Provided no details of alleged investigation VIOLATIONS OF FEDERAL LAW : 1. FCRA 605B Violations o Failed to block information within 4 business days o Ignored valid identity theft reports o Claimed inability to block despite meeting all requirements 2. FCRA 611 Violations o Failed to conduct proper investigation o Provided contradictory responses about investigation status o Ignored third-party fraud confirmation XXXX. Data Security Violations o Failed to protect personal information ( breach ) o Failed to prevent subsequent fraud o Failed to take responsibility for breach-related fraud CONSUMER HARM : 1. Direct Financial Impact o Continued reporting of fraudulent accounts o Potential credit denials o Increased credit costs 2. Time and Effort o Multiple communications required o Filing of reports and complaints o Ongoing monitoring requirements 3. Emotional Distress o Anxiety over unresolved fraud o Frustration with contradictory responses o Concern over continued data vulnerability REQUESTED ACTION FROM CFPB : 1. Investigation o Review Equifax 's contradictory responses o Examine connection to data breach o Assess pattern of non-compliance 2. Enforcement o Require immediate blocking of disputed information o Mandate proper investigation procedures o Impose penalties for willful non-compliance 3. Systemic Review o Examine Equifax 's identity theft procedures o Review data breach impact on consumers o Assess pattern of evasive responses DOCUMENTATION ATTACHED : 1. Equifax Data Breach Notification 2. Three contradictory Equifax response letters 3. XXXX XXXX  fraud confirmation 4. FTC Identity Theft Reports 5. Previous correspondence 6. Credit report excerpts I authorize the CFPB to share this complaint with other government agencies if necessary for resolution or enforcement purposes.
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RFNA, LP (AL)

Over rated threatening phone calls, Highly Intense harassment, Also Reporting late payments and or Reporting any debt on one 's credit report without consent or their knowledge, is a violation to the consumer rights, I acknowledge late payments are not a criminal act, I acknowledge UCC 1 308 I can't be held accountable for all debts that I have accumulated under my social security number unconsciously, I've ask these debt collectors not to call or harass me in any further. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Republic financeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that all addresses and said debts late payments, inquiries be permanently removed from all 3 credit reporting agencies, XXXX, XXXX, and XXXX according to the law and rights, 15 UCC 1666B, 31 USC 3123 , 15 USC 1602G , 15 USC 1681 B. I am aware all depts are prepaid, 18 USC-8, US government pledged to pay debts 13 USC 3123, therefore the consumer can discharge debt and it doesn't have to be in legal tender see 31 USC 5118, I , the consumer didn't give any debt collectors permission of a court of competent, 15-USC 1692 A-P.
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (FL)

XXXX, XXXX  AND XXXX ARE REPORTING NEGATIVE ACCOUNTS ON MY REPORTS THAT ARE NOT MINE. THIS ACCOUNTS. XXXX XXXX XXXX, XXXX  XXXX XXXX AND XXXX XXXX XXXX WERE REMOVED AND PLACED BACK ON MY REPORTS WITHOUT MY KNOWLEDGE, PERMISSION, APPROVAL OR NOTIFICATION. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NJ)

There was a medical collection that was placed on my credit by XXXX XXXX XXXX in the amount of {$5500.00}. I was covered by insurance at the time and date of service at XXXX XXXX XXXX. I had also provided my insurance information. After much research, my insurance informed me that they initially were contacted by the hospital concerning myself being actively covered, which I was, on XX/XX/2018. They also informed me that the hospital never followed up and submitted an official bill for payment. There was no follow up or follow thru. Insurance claim fell thru the crack as not fault of mine. This item was then placed on my credit. My credit score decreased -112 pts. After reaching out to the hospital I was sent in several circles. I contacted my insurance who then reached out to hospital billing. My insurance denied payment as the bill was submitted after the filing limit.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

An Inquiry I don't recognize suddenly appeared out of nowhere on my credit report, I did not applied to it and I believe this to be fraudulent since it is unauthorized, I never gave permission to this company to access and pull up my credit report. This is stressing me out.
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: New Century Financial Services, Inc. (MI)

Money was garnished over the last 4 months XXXX XXXX, from my payroll check from an alleged debt from XX/XX/XXXX. Approximately {$4500.00} has been taken. I am a consumer and natural person pursuant to 15 U.S.C. 1692a ( 3 ) and also the creditor pursuant to 15 U.S.C. 1692a ( 4 ). This information was sent by certified mail and my finances have not been returned to me in pursuant to 15 U.S.C. 1692. The date of the alleged debt is well past 10 years pursuant to 15 U.S.C 1692a ( 5 ). My company was contacted and instructed to garnish and send my finances to an individual named XXXX XXXX XXXX, court officer of the Superior Court of New Jersey, Special Civil Part XXXX County of XXXX. This is against 15 U.S.C. 1692e ( 9 ).
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. (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. 

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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

Citibanki dba Citicard illegally imposed a fee on my account, its employee lied to me, has intentionally harassed me in multiple ways, and has maliciously and falsely damaged my credit. My XX/XX/2019 statement showed a balance of {$45.00}. I chose to pay it by using Cit 's Thankyou rewards programs, opting for a {$50.00} credit statement. The credit was applied XX/XX/XXXX before the next closing date about a week later, Thus, I had an excess credit of {$4.00}. Yet, on my XX/XX/XXXX statement Citi illegally imposed a {$25.00} late fee. Moreover, each time I attempted to access my account online at Citi 's online website, I was blocked with a demand to pay {$62.00} and could not proceed further to view my activity. I called Citicard last week, whose employee promised to reverse the {$25.00} late fee. However, it still has not been done. My online access is still blocked by a screen demanding " past due '' amount. This week I received a XXXX letter package from Citi stating that I told Citi not to contact me again. This is Citi 's management manner of lying and harassing. I never said any such thing, as Citi 's recording of my call would prove. In the letter Citi threatened to close my account and damage my credit reporting. I called Citi,  whose employee demanded immediate payment of all new purchases totalling more than {$1000.00} well before the next due date in XXXX. Citicard has engaged in illegal and malicious activity against the public interest while its inattentive and greedy CEO is paid tens of millions of dollars per annum.
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>2024 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 XXXX  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 2020-04-23
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: EQUIFAX, INC. (FL)

FAILED TO HAVE COPY OF THE ORIGINAL CREDITORS DOCUMENTATION ON FILE TO VERIFY THAT THIS INFORMATION IS MINE AND IS CORRECT.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. XXXX XXXX XXXX  XXXX XXXX AND 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