davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My account with ( 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 in 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  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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX Balanced {$720.00} XXXX XXXX XXXX XXXX Balanced {$21000.00} XXXXXXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OR)

Been trying to access my information since XX/XX/XXXX. Several attempts to get consumer disclosure report from this DATA HARVESTING company, always get letter, no report. 
Call made today XX/XX/XXXX to inquire about this report. 
They are providing unverified data which has seriously affected me as a consumer. Raised my insurance rates and resulted in canceled insurance policies. 
Several inaccuracies being reported by this data harvesting company that do not belong to me, names, addresses, phone numbers, claims that do not belong to me and claims that have other people 's names associated to them. 
Submitted disputes with phone personnel today. CASE NUMBER XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX - XXXX XXXX XXXXXXXX Balanced {$15.00} XXXX XXXX XXXX XXXX XXXXXXXX Balanced {$9700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balanced {$0.00} - XXXX XXXX XXXXXXXX Balanced {$0.00}
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$8700.00XXXX XXXX XXXXXXXX Balance : {$53000.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$5500.00}
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This morning, I was completely shocked to find inaccurate accounts appearing on my credit report. I have no clue how they got there. I routinely check my credit report, but this time, out of nowhere, there were these discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the inaccurate accounts stayed put. Because of this, I'm urgently requesting that the documents Ive sent be reviewed thoroughly so I can finally stop worrying about this.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (LA)

Name : XXXX XXXX XXXX XXXX Date of Birth:XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX I am writing to formally request the removal of any outdated negative information of the following information that appears on my Early Warning Systems consumer report that is older than seven ( 7 ) years, in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 5 ). The FCRA mandates that adverse information, except for certain situations like bankruptcy, should not be included in consumer reports if it is more than seven years old from the date of the original delinquency.Other than the outdated accounts, I have NEVER used the following account numbers.

Upon reviewing my consumer report, I noticed that there may be information included that has surpassed the seven-year mark. As of todays date, XX/XX/XXXX, any negative records dated prior to XX/XX/XXXX should no longer be included in my report. 


I kindly ask that you investigate my report and remove any outdated or inaccurate information in compliance with the FCRA. I would appreciate written confirmation of the completion of this process and a copy of my updated consumer report. 


Please note that if this issue is not resolved promptly, I may need to consider further actions to enforce my rights under the FCRA. I trust, however, that Early Warning Services will handle this matter efficiently and according to the law. 


I have attached a copy of my identification and any other relevant documents needed to assist in processing this request. 


Bank : XXXX XXXX ( Open Date : Not disclosed on report ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

During the month of XX/XX/, I attempted to go online & pull my credit report. With all 3 credit bureaus, I was informed that I was not providing enough information to verify my identity. This made me question, if there had been any identity theft issues with my credit. As a result, I ordered all three of my credit reports via mail, in order to submit additional information to verify my identity. Upon receipt of my credit reports, I noticed accounts that were not my accounts. I never opened these accounts or gave permission to have these accounts opened. I also noted inaccuracies with the spelling of my name & previous addresses. 

PLEASE REFERENCE THE FTC IDENTITY THEFT REPORT ATTACHED dated XX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank put a restricition on my account. I went to the branch on Saturday XX/XX/24 and deposited {$500.00}. The teller said the account was restricted and still took the deposit. I was told later that she was suppose to call it in since the account was restricted. On XX/XX/24 I received an e-mail stated that my account was overdrawn and I immediately went to the branch in XXXX XXXX, California and made a deposit. Again the teller did not call in when the account was on restriction. On my way home, I couldn't understand what was going on and stopped by the branch in XXXX, California. Since my account was restricted I couldn't see what was going on. I asked for a balance sheet and none of my deposits were added to my account and I could not get any of my money. I was mad at the representative and she told me that my account was closed and I could come into the branch the next day to get my money. I did go into the branch but was told that the account was restricted and they could not give me my money. I was also told that my deposit from XXXX was returned which he was never done. My deposit of {$500.00} was not credited to my account.
Consumer complaint received 2024-09-06
Product: Credit 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: CLGF Holdco 1, LLC (NH)

On XX/XX/year>, the Concora credit company ( Milestone Credit Card ) charged me twice for my payment of the full balance of my credit card. I submitted a payment to pay off the balance of my credit card and they charged me twice for the full payment of my balance. I contacted the credit card company and requested that they refund me the overpayment as my credit account was showing a negative balance of XXXX dollars. The company informed me that they could process the refund, but that it would take 45 days for me to get the money back. I requested that they send me information on how to submit a written request for a refund as they are legally obligation to refund money from a written request within 7 days. They did not provide me with this information and there is no option on my online account with them to submit a written request. I asked again how they could take 45 days to refund me money when they are able to take payments on my card within XXXX days, they said no matter what it will take 45 days. I ended up disputing the transaction with my bank becuase XXXX refused to provide me with information as to why the refund would take so long or how could get the money faster. I believe they are attempting to earn interest on overpayments that consumers are making on credit cards and not obliging by the laws of refunds for overpayments as there is no option to submit a formal written request.
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

a debt collection company contacted me by email and I observe it on my credit files. I did contact LVNV by certified mail and contacted the credit bureaus and ask for it to be deleted from my credit these fraudulent charges are not mine.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (NJ)

Was told that the late mark on my credit would be removed due to the lateness being a technology error. The payment hadnt gone through properly and instead they never notified me. They just marked my credit and never mediated the situation. It has been on my credit for 2 years and no one has done anything.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (MO)

My credit report is falsely showing I have late payments on my credit report and that is not right here is a list of the late payments that are falsely showing on my credit report XXXX bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was never late on these dates and this needs to be updated to paid/current JPMCB Account shows that I have late payments on dates XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX and that is fraudulent information I have not been late off any of these payments and I would like my credit report to be updated immediately
Consumer complaint received 2024-08-21
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. (FL)

This morning, I was disheartened to discover unauthorized inquiries on my credit report without any clear reason. I regularly check my report, but this time, unexpected discrepancies appeared. I refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries remained. I'm requesting that the documents Ive submitted be reviewed thoroughly so I can put this concern behind me for good.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Payward Ventures Inc. dba Kraken (CA)

Last week I paid Kraken XXXX dollars for XXXX XXXX coin. Without even giving me a reason, they cancelled my account and still have not refunded me my money. This is not right. This is fraud. So Kraken cancels my account and they also keep my money! XXXX  XXXX XXXX has been none too helpful in getting my money back. Kraken representatives are not helpful. 

I implore you to thoroughly research this company Kraken. How many more elderly women like me are they defrauding? 

My email address associated with this account is XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (OR)

This follows on a complaint from XXXX that was never resolved. I manage the finances of an elderly parent. While this person was in the hospital in XXXX, a health aide made an unauthorized {$2.00} charge on their Discover card that was not caught for several months. I was made an authorized user on the card ( otherwise Discover would not speak with me ). It took months to finally resolve this issue due to Discover 's inefficiency and lack of helpfulness. Every few months, despite this being resolved over a year ago, Discover reports a delinquent payment on MY credit report, crashing my credit score by 30-50 points every time. Each time it takes months to resolve. This has happened several times since my last CFPB complaint.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

XXXX XXXX # XXXX XXXX GA XX/XX/2024 {$210.00} XXXX XXXX XXXX XXXX  XXXX XXXX FL XX/XX/2024 $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XX/XX/2024 {$52.00} XXXX XXXX XXXX XXXX FL XX/XX/2024 {$11.00} my card got stolen i live in va i called citi bank to report fraud and one of customer service put incorrectly that card in my possession i called again after they denied the claim that there phone call should be recorded and they should listen to the call and fix and credit my account as i didnt have the card on me it was stolen
Consumer complaint received 2024-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.