davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with 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 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 XXXX
Consumer complaint received 2023-10-03
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. (MI)

According to Equifax, XXXX XXXX alleges the date of first delinquency is XX/XX/XXXX. However, XXXX clearly states in its XXXX XX/XX/XXXX response " Your account was charged off on XX/XX/XXXX ". In XXXX XXXX XX/XX/XXXX response to my state 's attorney generals office, XXXX alleges the reason the account is not reporting accurately, is because " I entered into a payment agreement. '' However, I entered into no such agreement and this is confirmed in XXXX XXXX XX/XX/XXXX response, " Additionally, we are unable to locate a payment agreement from you. '' In absence of any sort of payment agreement for this open-ended account XXXX has XXXX re-aged the debt. In an earlier XXXX XX/XX/XXXX response XXXX alleged the account was not being reported as charged-off due to " multiple billing reconciliation disputes. '' Thus XXXX is undoubtedly aware of the inaccurate reporting for this account/tradeline. Now, XXXX acknowledges a re-aging took place on a single occasion in XX/XX/XXXX to resolve XXXX of many billing errors ( see XXXX XX/XX/XXXX XXXX response ). However, those attempts failed and have inflicted additional harm on me as a consumer by reporting fresh delinquency statuses that now are one-hundred XXXX ( XXXX ) days past-due for the fifth ( XXXX ) month in a row in XXXX, when the account was alleged the first date of alleged delinquency would be XX/XX/XXXX. Thus, XXXX re-aging of the account in XX/XX/XXXX now expands the time by which the derogatory stao have been charged-off in XX/XX/XXXX. Federal law indeed requires that XXXX charge off accounts not later than one-hundred XXXX ( XXXX ) days after date of first delinquency. That date of first delinquency would be at most the one-hundred eightieth ( XXXX ) day immediately prior to XXXX XX/XX/XXXX. However, from XXXX own reporting to Equifax, the first date of alleged delinquency would be XX/XX/XXXX. Thus, XXXX re-aging of the account in XX/XX/XXXX now expands the time by which the derogatory status will remain on my credit report by nearly an additional XXXX ( XXXX ) years simply because simply because I filed billng errors to rectify a slew of issues that had been insufferable since early XXXX. XXXX 's own behavior has caused me to be denied permanent lodging due to tenant screening companies reliance on credit reports and scores. The practices of XXXX are therefore not only unfair and unlawful, but are additionally abusive. No consumer should have to experience what I have due to the negligence of XXXX XXXX. XXXX has demonstrated it neither has intention nor capability to correct the false/misleading/inaccurate reporting. As such, the appropriate action for Equifax is to remove the account/tradeline from my credit file and/or to remove any and all derogatory payment status and payment history for years XXXX and XXXX and to then block XXXX from providing any XXXX information for the account/tradeline.
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-10-03
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. (SC)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

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 2018-06-25
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. (OH)

On XX/XX/18, I mailed XXXX XXXX XXXX a Validation Request Letter and on XX/XX/18 I received their response which I is a violation of the HIPAA guidelines. 
XXXX XXXX XXXX and XXXX XXXX XXXX have violated the HIPAA guidelines under HIPAA 164.502 by providing specific medical information to XXXX ( a collection agency ) where a collection agency does not qualify as a Business associate per HIPAA 160.103.3.

HIPAA 160.103.3 states : ( 3 ) Business associate includes : ( i ) A Health Information Organization, E-prescribing Gateway, or other person that provides data transmission services with respect to protected health information to a covered entity and that requires access on a routine basis to such protected health information. 
( ii ) A person that offers a personal health record to one or more individuals on behalf of a covered entity.

( iii ) A subcontractor that creates, receives, maintains, or transmits protected health information on behalf of the business associate.

Regarding section ( i ), XXXX does not provide data transmission services. Regarding section ( ii ), XXXX is not a person but a company. Regarding section ( iii ), XXXX is a collection agency that might be considered as a subcontractor but I was given no authorization to XXXX to provide XXXX to receive my specific medical information. XXXX provided XXXX with specific medical procedural information of my laps rpr recurrent incisional hernia reducible which is a flagrant violation of HIPAA guidelines. Ive attached documentation that proves that XXXX provided XXXX with information that violates HIPAA guidelines.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-24
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. (GA)

These accounts are fraudulent : XXXX XXXX {$1300.00} XXXX {$9700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

CFPB- STOP Saying I need to go to the OCC XXXX They said I need to go through you! My name is XXXX XXXX. My account number is XXXX. I have filed THREE FARUD disputes with XXXX XXXX! They failed to cease the negative reporting during their investigation which is a violation of FCRA and Reg Z 1026.13 specific to Billing Disputes. In addition, XXXX XXXX NEVER sent me a billing statement not electronic or by mail until i sent in my first dispute! This does not solve for their violation of Reg Z 1026.5! There are three regulatory violations here! Plus then they CHARGE OFF the account and ruined my credit!!! I am already impacted by COVID as in I had it and still suffering! I do not need this also! I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b  ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XX/XX/2020, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX was in full on XX/XX/2019 in the amount of XXXX and my balance was {$0.00} and they are reporting on my credit report that I still have a balance. I called and spoke with a representative by name of XXXX and also a supervisor by name of XXXX on XX/XX/2019 and she stated that I had a balance of {$6.00} and I was aware of this because I used the card a few days ago, but they still not reporting the correct amount to the credit bureau just would like for my report to updated to reflect what I owe.
Consumer complaint received 2023-10-03
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. (PA)

This is my SECOND 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. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX XXXX Balance : {$10.00} ; XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-08-12
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)

Several Credit card accounts was opened up using my name and credit information without my knowledge, as well as two loan accounts. Every credit card opened in question is fraudulent and was not opened up by me personally. I reported this issue to my local police department and filed a report which I sent to XXXX, XXXX, and Equifax. To date nothing at all has been done to correct and remove these fraudulently opened accounts to restore my good credit status.
Consumer complaint received 2023-10-03
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. (MI)

XXXX XXXX is in clear violation of the CARES ACT. As described in the CARES ACT, I made arrangements with XXXX XXXX XXXX XXXXXX/XX/XXXX, while my account was still current to make reduced monthly payments. I explained to them that I lost my job during COVID and I had not been called back yet. They Agreed to accept $ XXXX and to waive late fees. According to the CARES ACT the Company is supposed to report the Consumer as Current as long as the Consume adheres to the agreement. I faithfully adhered to the agreement and I was still reported as NO Payment 30 days late monthly and that continues to this date XX/XX/XXXX. The XXXX XXXX was signed into XXXX to protect consumers ' credit. Please see the attached copy of the CARES ACT as it relates to Businesses and Consumers. 
As a result of their violation of the CARES ACT my XXXX XXXX has dropped at least XXXX points. Other creditors saw the drop in my scores and followed suit to either lower my credit limit on existing accounts or close my account altogether eventhough I was current. 
I reported this violation of the CARES ACT to the Credit Bureaus without any results, XXXX and Transunion. I Disputed credit report errors with the bureaus and the creditor and according to the CARES ACT, " Credit bureaus now have 45 days to correct errors, normally under the FCRA they had 30 days ''. They did not make any corrections. However, the Bureaus did state to me, if Capital XXXX agrees, they will manually remove the erroneous " 30 Days Late '' from my Credit Report. The CARES ACT was a law. Why, should the Erroneous Reporting Only be removed if XXXX XXXX Agrees?
Consumer complaint received 2024-08-12
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-03-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I filed a complaint with the CFPB against XXXX XXXX. In retaliation, XXXX XXXX called my employer requesting verification of my employment by my social security number. I filed a second complaint and I was contacted by Ms. XXXX XXXX who advised that the debt that they attempted to collect was not legal as they had this debt in their office since XXXX and did not make any attempt to collect then, and the agent who advised of the debt had misinformed me. I was assured that no effort to collect this debt would be made as the statute of limitation had passed. I have since received notification that a collection of {$310.00} by XXXX XXXX has been reported on my XXXX   Credit file by XXXX XXXX. Upon checking the account and the date opened on my credit profile it is apparent that this debt was settled and XXXX XXXX is attempting to collect this debt once more.
Consumer complaint received 2023-10-03
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CT)

My loan to value is less than 80 % and I requested to have my principle mortgage insurance cancelled. My loan servicing company, Freedom Mortgage, said they do not have the authority to cancel the PMI and it's the responsibility of the investor. I contacted the investor, XXXX, and they told me its the responsibility of the servicing company. 
These conversations happened today on XX/XX/2019 with both XXXX and Freedom Mortgage. 
I would like to file a complaint towards Freedom Mortgage for providing false information to me and neglecting their loan obligations.
Consumer complaint received 2020-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (TX)

On XX/XX/XXXX I reviewed my credit report through XXXX. I noticed that there was an account in " Collection '' status and I wrote a letter to XXXX and XXXX disputing the alleged account stating that it was not my account. XXXX never responded and XXXX did so with a letter dated XX/XX/XXXX. I also received a letter from Cavalry dated XX/XX/XXXX, with attached documentation stating that the account disputed through the credit bureaus was mine and the information was accurate. 

I then wrote a letter to Cavalry, dated XX/XX/XXXX, explaining what I had submitted to the credit bureaus and now asking them for the same information to VALIDATE the account that was placed on my credit file. On XX/XX/XXXX I received a response from Cavalry acknowledging my letter but not providing the requested documentation to show me PROOF and VALIDATION that the account being disputed belong to me. I then sent another letter to Cavalry on XX/XX/XXXX explaining that they had not sent me the required documentation and that I have the rights to dispute and obtain information of a debt that they say I owe to them. I received another response letter from Cavalry on XX/XX/XXXX maintaining their position that this account belongs to me and that the information they have reported the credit bureaus is accurate. They have failed on two occasions to provide me with the documentation to VALIDATE this account. 

I am asking for your help now to mandate this creditor to either submit the requested documentation or remove the " Collection ''  account off of my credit file with both XXXX and XXXX. 

Thank You
Consumer complaint received 2018-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (GA)

I told the customer service rep, not to let any charges to go through from XXXX XXXX XXXX ( {$500.00} ) last week. Also I told the rep if I didnt have funds in my account do not let any charges go through my account. Suntrusts and the customer rep continued to ignore me and charge unlawful fees. I have canceled this debit card and Im going to start a lawsuit if they are not going to put the money back in my bank account.