davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

My account with Equifax was 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 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.

Equifax 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 2024-08-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ALLY FINANCIAL INC. (PA)

Ally bank, on-line banking service I have been a client for over XXXX years. They are reversing refunds to my account when I notified them that my account was being double charged stating I have a relationship with the merchant. In reality I stopped purchasing from the merchant. I did not authorize XXXX transaction charged on my checking account. Also, I do not have overdraft on my checking account. Ally has denied basic privileges of other clients. Ally is aware that my account was hacked. I made a complaint with the FTC already. Ally is reversing refunds to also overdraft my account. Ally has treated a customer of XXXX  years as if I commonly overdraft my account. Ally is refusing XXXX payments into my account from my established relationship on XXXX with my son and his contact number. Now they have proof that relationship is established but wouldn't honor his XXXX payment into my checking account to bring my account out of the XXXX. Ally is actively trying to cause my account to be closed. Ally also will not allow me to change my security questions which have been compromised by a hacker/cyber attack. Ally is falling into the cyber attacker 's wishes. Emails have been sent utilizing spoofing to send contacts something I did not send myself. My son and daughter-in-law are receiving calls from my son 's phone number while they are both communicating on the phone together. I have been intercepted trying to call Ally with robotic customer service agents who sound not human. Also the voices are the same XXXX people answering Ally 's customer service number every time I contact them. I am a victim of spoofing, cyber stalking, phishing, interception of phone lines. I am ready willing and able to hand over my electronics to someone who can actually do something about these cyber criminals. Ally bank is not accepting my chance to change my security questions. My social security, my mother 's maiden name, and my date of birth are no longer protected at this point. Ally is treating me the client in a way it does not commonly treat other clients. I have tried to contacted identity theft with the FTC. I had numerous issues all factual going on in my life. Thank you for reading and trying to understand the panic behind the text.
Consumer complaint received 2024-08-16
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 am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm setting up to bestow my apprehension concerning the tested accounts on my credit report. On different occasions, I have raised the issue of misunderstandings in these records, and have constantly referred to that they be by and large broke down. Despite my endeavors, I before long evidently can't get any goal or mending activity. These off-base records are truly harming my credit report and discouraging my capacity to go on with a typical life. The hostile consequences of these missteps have caused enormous difficulties for me, and I'm left with no decision beside to fight for your help with checking on what's happening at the earliest entryway. I mindfully demand that you direct an exhaustive evaluation concerning the essential of these tested records. It is fundamental that the crucial advances are taken to empower and change my credit report right away. With your assistance, I need to reestablish the accuracy and conventionality of my credit record so I could recover command over my monetary flourishing. I truly encourage you to offer this matter your generally ridiculous idea and make an expedient move. Your organized exertion and moving in settling this issue quickly would be hugely significant. Grateful to you right off the bat for your comprehension and help.
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of consumers below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, XXXX, EXPERIAN have violated my rights. 
THE ADDRESSs : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
I demand these addresses be removed immediately with an updated copy of my report mail to me for conformation.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of consumers below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, XXXX, EXPERIAN have violated my rights along with XXXXXXXX XXXX  allowing a late payment reporting to my report. 

Creditor : XXXX XXXX Dates : XX/XX/XXXX & XX/XX/XXXX Account # 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. 
I demand these late payments be removed immediately with an updated copy of my report mail to me for conformation.
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Experian, XXXX, XXXX Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Account Number : XXXX Dear Sir/Madam, I am writing to formally request the removal of XXXX XXXX from my consumer report. I have made multiple attempts to request debt validation from XXXX XXXX, specifically asking for an assignment of contract proving their ownership of the alleged debt. Despite my requests, XXXX XXXX has only provided bill statements from the original creditor, which do not satisfy the legal requirements for debt validation. 

As outlined in the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ), a debt collector must provide proper verification of the debt, including documentation proving the assignment of the debt and a contract showing ownership. XXXX XXXX has failed to provide this proof. 

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of information in consumer reports. Since XXXX XXXX has not validated the debt as required by law, I respectfully request that all references to XXXX XXXX be removed from my credit report to maintain the accuracy and compliance of my consumer file. 

I have also filed three complaints with the Consumer Financial Protection Bureau ( CFPB ) on the following dates : XX/XX/year> XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In all three complaints, I requested the assignment of contract, but XXXX XXXX failed to provide this crucial documentation. Please see the attached copies of my CFPB complaints, as well as the responses from XXXX XXXX, which further demonstrate their failure to provide adequate validation. 

I urge you to remove this inaccurate information from my credit report immediately. Kindly notify me in writing once this correction has been completed. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Zip Co US Inc. (OH)

I used QuadPay to purchase a XXXX watch. XXXX canceled my order and claimed they never charged the card. I can not get XXXX to answer me back. I have attempted to contact QuadPays customer service over 20 times with the chats being closed out by QuadPay before hearing from anyone. Im trying to get this resolved before the 2nd Payment is due to QuadPay. They have refused to answer back any messages I have sent them. In fact I am owed {$20.00} in a refund.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This debt was sold to another agency, XXXX ( XXXX XXXXXXXX XXXX  ). This agency made no attempts to contact me regarding the debt. Instead, they placed a derogatory credit item on my credit report, even though the original loan was taken out over XXXX years ago. I have made several written requests to resolve this debt but have not received any response from the agency. I have also disputed the information with each credit reporting agency, XXXX, XXXX XXXX, and Experian. However, these agencies have failed to review the validity of adding a debt to my credit file even though the debt is almost XXXX XXXX XXXX at this point.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

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 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian refuses to remove this incorrect address from my report its probably from identity theft. This XXXX, florida address is not mine & never has been. I want it removed. I called them one year ago & they still never removed it
Consumer complaint received 2023-03-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIRSTBANK PUERTO RICO (PR)

To whom may interest : I have a car loan with First Bank XXXX XXXX. I had lost employment but I was recruited by another company. I started working for that company on XXXX XXXX. The problem was I was not able to pay for the car for the month of XXXX. So I called the bank to inform my situation to see if there was some kind of arrangement I could do with them. 

So they transferred me to Collections and we started talking on XXXX XXXX. 
They inform me they needed the following documents : 1. Explanation letter of why I was needing that arrangement. 
2. An employee certification. Which took a whole week because I didnt have any permanent arrangement with the company.

3. An a form provided from the bank for me to fill it up. 

They kept pushing the process to last longer by asking me an additional form such as a pay stub which I was not able to provide since I had not been paid. Every time I sent the papers through email or physically there was always a lost paper. I spent hours and hours trying to get the same forms to them over and over. They would always give me a date with the decision and when I called for the decision they never had one. Sometimes in the meantime while talking to them I would get phone calls collecting the loan. 

Since all my efforts were unfraitful. I paid the loan and late interest payments on the XXXX XXXX. I got the money from food so I could pay them. The same day they typed a letter saying that the extension was approved. I got the letter way later than that. I called to call off their bad faith and the next day the karma credit points that they took out were reestablished into my credit report. 

Im reporting they delaying the process on purpose and on bad faith and only when they knew I had to paid for the loan conveniently wrote a letter saying that arrangement was approved. 

I would like the car loan fully cancelled and pronounced paid for them. 

Thank you, XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY - XXXX  XXXX XXXX  - XXXX INQUIRY - XXXX  XXXX XXXX - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX  XXXX XXXX - XXXX INQUIRY - XXXX  XXXX  - XXXX INQUIRY - XXXX XXXX XXXX  XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX  XXXX  - XXXX INQUIRY - XXXX  XXXX XXXX  XXXX - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer - XXXX XXXX XXXX Transunion Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX  - XXXX INQUIRY - XXXX  XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  XXXX  - XXXX INQUIRY - XXXX - XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-08-19
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. (FL)

In accordance with the fair credit reporting everything must be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the number of months are incorrect and incomplete, high credit amount is incorrect, date of last active is not correct months reviewed is not correct and they reported late payments on a closed collection account which is also a violation. This ground for removal they also violated my rights under XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instruction Also the credit bureaus took more tan XXXX  days to complete the investigation i send them a letter on XX/XX/2023 and never got a response and have mailed them more then XXXX times
Consumer complaint received 2024-08-19
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. (IL)

I was stunned to find incorrect accounts on my credit report this morning, with no explanation for how they got there. When I checked my credit report, like I usually do, I was taken aback by these sudden discrepancies. I even refreshed my browser, thinking it might be an error, but the inaccurate accounts stayed. I'm very anxious about this and ask that the documents I've provided be reviewed thoroughly, so I don't have to go through this again.
Consumer complaint received 2024-08-19
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. (TX)

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 2021-08-19
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: Premium Credit Bureau (FL)

Some one is using my SSN to pull credit/credit card. I have a lot of inquiries and have not been removed.

This inquiries need to be remove, if they can not show proved of contracts etc. I also have freezed all 3 bureau.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TransUnion 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.

TransUnion 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need your help with this incorrect account that is showing up on my credit report. This issue has been damaging to my reputation, and I require your assistance. Your mishandling of my credit report has left me devastated because your inaccurate reporting has harmed my reputation. These errors must be addressed so that I can live peacefully with my family.