davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts 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/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 payment due date. I have requested proof that th
is 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 2024-08-13
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. (FL)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX, 2022 : -Experian is not accessible to process my request to temporarily remove its credit freeze. 

-I fill in all pertinent PII ( including PIN ) at https : //www.experian.com/freeze/center.html and this Experian web site returns error ( " We are unable to process your request. If you would like further assistance in removing your Freeze, please contact us at XXXX '' ) -Experian fails to provide a working phone number ( XXXX is non-responsive to request to temporarily remove credit freeze ) -Experian corporate numbers ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) are non responsive to request to temporarily remove its credit freeze. 

Experian inability to process my request to temporarily remove its credit freeze violates the Fair Credit Reporting Act ( 15 U.S. Code 1681c1 ).
Consumer complaint received 2024-08-24
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. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. - The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - The following inquiries were not authorized and should not be reporting.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I have attempted over and over again to cancel my experience membership. However Experian makes it incredible difficult to do so. I logged on to cancel with no option to cancel ( as shown in photo ). I called in to cancel and the call disconnects itself over and over because I dont want to immediately input my social security as the first thing when Experian automated voice services requires you to do. Even if it allows you to continue to options after skipping, it still requires you to input this information before getting an agent or else it disconnects. 

Where is the option to cancel? I have to update my credit card to be charged or be denied access to my the most basic free membership. This should be illegal. You are forcing people to have a subscription they dont want.
Consumer complaint received 2022-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$380.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX XX/XX/XXXX {$630.00}, XXXX XXXXXXXX XXXX XX/XX/XXXX {$3700.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

I tried to obtain my three XXXX on XXXX on XX/XX/XXXX and tried again on XX/XX/XXXX and the only one I was able to obtain was XXXX. The other ones flagged me for not being able to identity myself. The answers I gave were correct to my knowledge. I originally went to obtain these reports through identitytheft.gov due to someone taking my taxes the last three years and someone opening continuous fraudulent bank accounts, checking, saving, etc., etc. in my name the last couple years. I need this proof to also submit to a XXXX data breach which was where my taxes for XXXX, XXXX, and XXXX were deposited into with a fraudulent account. I've been waiting for a while now, so if you can assist me and help me that would be awesome. Thank you.
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (NJ)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (OR)

Argon collection in I believe XXXX XXXX NV. Won't stop calling from different numbers I keeps blocking them and a new number. I've asked them repeatedly to stop calling. When they call they will not tell me which company there even attempting to collect for, they just keep saying verify your birthdate and ssn it sounds like a scam. I've worked XXXX party collection and have studied they FDCPA for years they are representing them self in a shady unprofessional way. I have a current credit report my accounts are all clear or closed my debt is not effecting my credit. They have threatened my credit score and won't even tell me for which company there attempting to collect for unless I blindly give them all my vituals. I'm over it they should be fined and out of business.
Consumer complaint received 2023-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (NV)

Direct Express put a " freeze '' on my card on XX/XX/2023 because they said " fishy business '' had occurred with my card. 
They did not tell me what the " fishy business '' was and they did not call me to let me know that they were freezing my card. 
Later, they said if I could prove that no " fishy business '' had occurred with the card ; that they would " unfreeze '' it. 
I proved it and they still have not unfrozen my card. 
I have had my card on me this whole time. 
They hang up on me when I call about the situation and they put me on hold for over an hour at a time. 
SS does not affiliate with them. 
Thank you for your help. 

XXXX XXXX my Social Security, XXXX XXXX XXXX, and other federal benefits be safe? 
Yes, with the Direct Express card, your money is XXXX up to the maximum legal limit. In addition, the consumer protections required by Regulation E ( 12 CFR 1005 ) and XXXX XXXX XXXX ( exceptions may apply ), protects you against unauthorized use of your card. When promptly reported, this will apply to your debit card account. Finally, if your card is lost or stolen, it will be replaced upon request.
Consumer complaint received 2024-08-13
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)

I'm incredibly disheartened to find unauthorized inquiries appearing on my credit report tonight. Ive reviewed it as I normally do, and suddenly, there are discrepancies that I can't explain. I tried refreshing my browser thinking it might be a glitch, but that did nothing to resolve the issue. I urgently need the documents I sent to be reviewed thoroughly to ensure that I don't have to face this problem again.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CT)

On XX/XX/XXXX, I purchased a sofa from Macys.com using a newly opened Macy 's store credit card, totaling {$2100.00} inclusive of tax and shipping. The website had advertised that furniture purchases had available promotional financing, including 0 % APR for 18 months, if you used a Macy 's credit card. I opened the card explicitly and solely for the purpose of taking advantage of this promotional APR. I called Macy 's customer service to place the order, and the phone rep worked with the credit department to open my card and apply the promotional financing. A few days later, I called Macy 's customer service to inform them that I had ordered the wrong version and wanted to cancel and order the correct version. They did this, and the charges were the same ; however, when I checked my Macy 's credit card statement a few months later, I found that the promotional APR had not been applied and that I was being charged the full interest amount from day one ( 27.49 % ). 

When I discovered that I had been charged the full APR, I contacted Macy 's customer service via secure messaging on their website on XX/XX/XXXX informing them of this situation. The customer service rep indicated that I was only eligible for the 12-month 0 % APR promotion. " Upon review, it shows that the 18-month interest free promotional offer had a minimum purchase amount of {$3500.00}. In this case, the said purchase can only be eligible for the 12-month Special Event. We can request a transfer to the promotional account. You may reply to this email or call the number provided below to confirm if you would like us to submit this request. '' I replied to their message on XX/XX/XXXX ( I admittedly did not realize I needed to confirm my intentions to get the promotional rate as I believed they would proceed after my initial contact ) saying that I wished to proceed, and on XX/XX/XXXX they indicated they would submit the request. On XX/XX/XXXX I received a letter from Macy 's requesting that I call their customer service number as they need more information to fulfill my request. I called that same day and spoke to a customer service rep who indicated that my purchase was NOT allowed to be transferred into the promotional APR. He did not provide any explanation as to why not.
Consumer complaint received 2024-10-01
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. (GA)

I have these inquires on my credit that I did not authorize 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
Consumer complaint received 2024-09-27
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. (LA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

A week ago I reached out to Equifax after speaking with a representative from credit karma. There is an open credit card under XXXX XXXX  on my account. This was opened XX/XX/XXXX. I was born in XXXX. Also the state this account was opened also said I had an addresses there, I have never lived there or opened a flexible spending credit card for XXXX XXXX There is a balance of XXXX. I reached out to Equifax and I filed a dispute explaining I am not sure where this account came from. This morning they determined this was my account. I reached out to consumer attorneys after I received the results. I tried to call the XXXX XXXX  number and the calls says this number is no longer in service. I did not open this account it also says the last payment was in XXXX which I never paid to this account. I am not sure where it came from and would just like it to be removed and make sure my credit is not negatively affected. Thank you.
Consumer complaint received 2020-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

I use a bill payment from XXXX  XXXX XXXX on line bank app, to make payments on my monthly mortgage payment. 
Since XX/XX/XXXX i never miss one single payment, but back in XX/XX/XXXX, i made a mistake of instead order a payment of {$2700.00}, i orded {$2700.00}. ( So {$70.00} short ) As soon i got know what happen with my mortgage payment, i made a payment of what was missed and called the mortgage company to explain what happened and to tell them i had fix the problem because was a personal mistake and not a short money to pay the morgage, since was less the 3 % of the total amount short and there is not sence to pay {$2700.00} and not pay {$2700.00}. 
The company said was fine but 3 day later they report to the Credit bureal miss payment. 
This report make my credit score drop 130 points. 
From XXXX to XXXX. 
I said email to the customer service to try fix my credit score but they return me a answer they couldn't fix because " contractual obligation to make a full monthly payment on the first of each month ''. 
So they don't considerate the fact i had paid around 97 % of my payment. 
I feel this company FREEDOM MORTGAGE has not loyaut to the customer.
Consumer complaint received 2024-10-07
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. (NC)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I had submitted a letter 4 months ago and again in the past month. Which has been ignored twice by Experian. Twice. There are 4 errors in my credit profile Experian is reporting incorrectly. Experian has refused to properly investigate and, provide proof of these said debts, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX and XXXX XXXX Experian have not provided any information to me about any of these 4 incorrectly reported and unverified accounts. And according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts I have submitted to them twice. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed in my letter. They have refused to comply. Attached will be a copy of my original letter I wrote. The copy is before I signed and sealed the letter in the envelope in front of a impartial witness who is a Notary Republic in XXXX County in the state of North Carolina. The signed and notarized copy with a copy of my drivers license, Social Security card and all updated address were sealed and mailed certified and confirmation it was recieved by Experian. This company needs to be held accountable for the negligence of there employees and company practices.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CT)

My credit report has been negatively affected by inaccurate reporting by Shellpoint. My loan was transferred from XXXX XXXX XXXX to Shellpoint Mortgage in XX/XX/XXXX. I was in a forbearance plan with XXXX  XXXX XXXX and that forbearance plan transferred to Shellpoint. Under the forbearance plan I was not supposed to be reported as delinquent to any credit agencies. I was in constant communication with my new reps at Shellpoint, XXXX then XXXX and their Manager XXXX XXXX. My loan payments were then deferred. I made my first mortgage payment as required on XX/XX/XXXX. While in forbearance and while my loan was deferred I should not have been reported to the credit agencies as delinquent. I emailed my rep XXXX on XXXX and the manager XXXX on XXXX about the credit reporting problem. XXXX emailed back and said to email loss servicing at Shellpoint, which I did with no response. XXXX did not respond. I then called customer service on XXXX and was told to send a copy of my credit report by fax, which I did. I also saw that my customer portal for Shellpoint says : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Our systems indicate the you are currently on a forbearance plan or have been on a forbearance plan in the past. While on the forbearance plan, you are not required to make your monthly mortgage payments, you will not be assessed any late charges, and negative credit reporting has been suspended on your loan. This means you will not be marked " late '' for any suspended payments. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This statement on my portal totally contradicts what they have reported. I have been report as 120 days late to the credit agencies ( see attached ) This is my second formal complaint about this company after having an account with them for only 4 months. They are either incompetent or fradulent. 
I have asked them to fix my status with all of the credit reporting agencies.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi Bank closed my Costco XXXX card on the grounds I misrepresented them in disputes against merchants. I disputed this this claim with their Executive Response Unit. By closing my account Citi avoided paying my annual cash back rewards which were approximately {$980.00}. Citi never inquired with me about my side of the experience. Furthermore they ignored any documentation I had. Its very suspicious of the timing of this closure as it came just a week before my rewards were scheduled to be paid when my statement generated. Im fine with termingating my relationship with citi as I have a 800+ FICO score and can get another cloth another bank. I NOT OK WITH CITI ILLEGALLY SEIZING MY CASH BACK REWARDS. 

Please assist me in investigating Citi and my grievance.
Consumer complaint received 2024-08-13
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, 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.