davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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 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 in 60 days 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.

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 8
Consumer complaint received 2024-08-20
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. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-04-29
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. (NY)

XXXX is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are TransUnion, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) 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 is in clear violation of this law. XXXX is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. XXXX has my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
Consumer complaint received 2023-04-29
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. (FL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2020-06-10
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. (GA)

XXXX XXXX XXXX XXXX {$1000.00} There is no contract, no valid claims ... account was settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2023-04-29
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. (CA)

I have had ID theft in the past and an unknown fraudulent inquiry is being reported. This must be removed. 

XXXX XXXX inquiry is not authorized and fraud. 

Attached is FTC report, ID, SOCIAL to ensure this is handled properly. Thank you police report records are already on file
Consumer complaint received 2024-08-20
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. (NE)

for starters, I went to XXXX point XXXX and got a XXXX XXXX XXXX from them. I was told no initially and somehow magically they called back a week later and said I qualified to find out was the loan was predatorial, and I didnt have a good enough credit, so that was XXXX thing that concerned me. The second thing was concerning me was that when I did get the vehicle I went on XXXX XXXX trip couldnt go over XXXX mph. I take it to the XXXX dealer they tell me the XXXX didnt have their software to take the governor off and that no cars should be sold with the governor on it without the buyer Knowing. I told XXXX this after I was informed I told him I did not want to car. They left the car with me and created of debt of little over {$12000.00}. How can I get this {$12000.00} debt off my credit report because of the contract in the way it was sold to me, I dont feel they did right by the consumer in a number of ways and now that Im aware and trying calling XXXX getting the run around
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (VA)

In XX/XX/2023 the company Monroe and Main showed up on my credit report. I had never heard of this company before nor had I opened any accounts. I called the company and they stated that they had my name and information but I showed no order history and had a balance of {$0.00} owed. The company reported on my credit that I had a credit limit of XXXX $ and owed XXXX XXXX The company assured me that it was their mistake and had closed the account and had requested to the credit bearues to take the account off. Still the account is on the reports and whenever I try to dispute it the company is saying the information is accurate, when in fact it is not accurate at all. I just contacted the company again a few days ago and they are telling me still they made a mistake and have requested it be taken off. The beareus are still stating they have not made any requests and the company is still yet reporting the same fraudulent information. I also contacted the XXXX  and the company even stated through those messages that the information is inaccurate and they would fix. I am still having to fight this and it has ruined my credit by XXXX points down and my credit age and payment grade are terrible because of this one company 's false reporting. I am at a dead end and have no idea what else to do but to get a lawyer and sue the company for fraud and defamation of character. This has caused me alot of stress and financial anguish.
Consumer complaint received 2020-06-10
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: Jon Barry and Associates, Inc. (GA)

DBA PARAGON REVENUE GR {$1000.00} There is no contract, no valid claims ... account was settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2023 - I have disputed a bankruptcy in my Transunion public records. My credit monitoring service has detected the us of my name and social security using the address XXXX XXXX XXXX, XXXX, North Carolina XXXX. I have disputed this bankruptcy with and address with XXXX. Both consumer credit reporting companies keep verifing this fraudulent activity after investigations. I have attached the Identity Alert from my credit monitoring service XXXX XXXX to show proof that someone is still trying to use my name and social security number on the DARK WEB and they are using the same address that is reporting on my XXXX consumer file. Screenshots attached to show proof. The information is not information relating to any transaction by me. THIS IS NOT A ERROR! 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Consumer complaint received 2016-01-22
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: SMS Check Recovery LLC (CA)

XXXX/XXXX/2015 at XXXX XXXX. they called me at my job, my cell, my brother in law & my sister in law saying the following. " My name is XXXX XXXX I am calling from you can not really hear from where. Then she says, I have a affidavit for you to go to court, If I hide from them, then they will do a summons and to call this number XXXX reference # XXXX. I have saved this message. Why would a collection company do that? I am upset. I am also embarrassed that they called my job and family. If I owe them money, I understand, but to go through this tactics that they are doing is affecting me. I am scared. I ca n't not understand why they do this. My XXXX XXXX went, up. I got knots just listening to the message. I need your assistance.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-04-29
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. (FL)

The dates i started to write down are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( there were several more contact attempts/disputes that i deleted from XXXX ). Experian is reporting an incorrect balance on 4 student loans that have {$0.00} balances. I've called experian, I've submitted online disputes, as well as submitted a copy of the last statement showing the accounts are paid ( {$0.00} balance ). Experian has not done their job in verification of the information as they continue to show the wrong balances on the accounts. I've spoken with representatives and was lied to by the last rep who said the info was verified with the company XXXX. I've called XXXX and they confirmed the account has a {$0.00} balance. 

Experian is reporting I owe the following : {$5300.00}, {$7200.00}, {$5300.00}, and {$7400.00}. All incorrect!
Consumer complaint received 2024-08-20
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. (NH)

I DISAGREE with the accounts listed below which STILL appear on my credit report for the THIRD time, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. Your report concerning me is harming me personally, emotionally, and financially, and causing me damage. I have asked you more than TWICE to VERIFY these inaccurate accounts and Equifax has failed to do so. 

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 In accordance with, The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I also requested that you provide the names and business addresses of each individual with whom you VERIFIED the above so that I may follow up and you FAILED to do so.
Consumer complaint received 2020-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (IL)

I have been trying to link my PNC bank account to the XXXX app to start an investment portfolio but it continues to tell me i have invalid credentials although i use the same credentials to log in to my virtual wallet for PNC. Please help.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. XXXX XXXX  is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-20
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. (MI)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2020-06-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A. (IL)

I last spoke with a supervisor ( XXXX ) on XXXX after receiving the last response from a Citibank Representative on my recent complaint with CFPB. 

Although, I did not inquire about " settling '' the account I was not given any options on how to resolve the balance either. Currently, the principal balance according to XXXX is {$590.00} with {$170.00} ( late fees of {$25.00} per month ) plus any interest. 

Prior to the conversation with XXXX, a conversation ( early XXXX ) with a representative in the loan department stated that " for two payments ( XXXX and XXXX ) no interest would be charged and the account would be deferred. '' I would not need to make any payments. But, I made a payment in XXXX in the amount of {$250.00} ( {$220.00} is the minimum payment ). XXXX refused to provide any options on how to resolve the matter. I asked about waiving a few fees, to which were immediately dismissed by saying '' we can't do that because you were consistently late. '' Which I felt was extremely offensive, I felt like a criminal in that moment. In XXXX of last year, I lost my job which put me behind in payments. But I paid what I could. Now I am a product of the Pandemic, but I am still paying trying to resolve this responsibility. 

I was so angry by her statement that I responded back stating " I could easily let the account go and not pay anything! '' My experience with Citibank has been an extremely horrible ordeal. It is unfortunate that I stayed this long, over 10 years.