davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
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. (NC)

On XX/XX/XXXX, I sent an investigation letter via certified mail ( XXXX ) regarding a XXXX Day Late Payment reporting on my XXXX XXXXXXXX account ( XXXX ) to Equifax. This is inaccurate and should not be reported as I had previously entered into forbearance during that time. I noticed that the remarks are still reporting on my credit report inaccurately. This is a gross inaccuracy and can not be true as the date of delinquency and period of time remarks are inaccurate and inconsistent across the XXXX credit agencies. Additionally, Equifax is reporting this remark TWICE on my credit report making a gross error across my credit profile. The number of inconsistencies alone is grounds under the Fair Credit Reporting Act. 

Additionally, this reporting violates my rights under 15 USC 1681s-2 ( XXXX ) as I had entered a forbearance with the creditor, XXXX XXXX, at that time. I was never late on this account and have paid on time. Enclosed please find communication from the creditor back in XXXX confirming approval of a deferred payment. I have requested that Equifax provide me with proof and verification and have received none of the requested items. 



Therefore it should be updated to report as ON TIME and the XXXX Days Late removed. As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ). I request that you conduct a thorough investigation into this multiple late payment to verify its accuracy. If this late payment can not be verified, it should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) ). The FCRA grants me the right to request the method of verification under XXXX5 U.S.C. 1681i ( a ) ( XXXX ) ( B ) ( XXXX ). Enclosed please find communication from the creditor, XXXX XXXX, verifying my forbearance in XXXX and noting my due date for the next payment would be XX/XX/XXXX. I would like swift and immediate action to correcting this as inaccurately reporting on my credit report has disproportionately impacted my financial stability over the past XXXX years.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts 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 XXXX, my XXXX my XXXX XXXX XXXX and to my XXXX! 

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 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!
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 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!
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (VA)

My brother passed away on XX/XX/2019. I found that he had a Coinbase account with XXXX ETH in it. Currently worth just under XXXX XXXX dollars. I looked up what to do with a deceased account and Coinbase said they would transfer the assets to another Coinbase account pending documentation. This initial contact with the company was on XX/XX/2019. 

I submitted the documentation and was given a set of instructions. I followed the instructions and they did not work. I told support I followed the instructions. They said follow the instructions. I sent pictures of what my screen looked like, wallet ID info, address, etc. Coinbase responded with ... follow the instructions. It seemed like the process was run by a chat bot as responses did not react to my messages. 

I tried to call Coinbase on XX/XX/XXXX, customer service said that only a specialist can help and I should get a response shortly. Nothing. Contacted on XX/XX/XXXX. No response. I contacted them on XX/XX/XXXX. Nothing. 

Coinbase is refusing any action and wrongfully holding onto the assets of a deceased individual, ignoring family requests and court documentation.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (IN)

To whom it may concern. I have Victoria 's Secret card for 4 years, I paid my bill every month but they never send me the paper bills and the availability of credit is or was always almost full credit limit. 
The last time I used the card was in XX/XX/XXXX and yes, I paid the bills every month ... The credit limits were {$600.00} and. On XXXXI received a letter from them saying they're reduced my credit limit because of inactive, so my credit limit is {$550.00} and available credit is {$3.00} dollars, on XX/XX/XXXX. I paid {$50.00}. 

Even though, Ive paid my bill every month where did my money go?
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 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!
Consumer complaint received 2024-07-02
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (CA)

I've been trying to re-establish my personal credit profile account by means of clearing of all the listed unauthorized charge offs on the account. The Debt that is under my name and credit profile is not my debt, as has sold and sent to a ( n ) debt collections company, therefor is automatically considered fraud As I'm the Original Creditor, there shall not be any means or reasons for me personally to have to pay back a balance that is already owed to me, according to Title 15 USC 1666d ( a ) ( b ) ( c ) - Treatment of Credit Balances. I have already attempted to remove the charged-off accounts on my profile before, through the CFPB, however there has been nothing done on the other end to remove these closed accounts from my credit profile so that I can then extend my credit as a consumer and creditor. Any attempted action or act to hold me up from my rights to exercise credit is unlawful, unjust and unfair. It is also brought to my attention while checking my personal credit profile that there are allegedly " late payments, '' however, late payments are illegal and also shall not affect the creditor/consumer for any means or by any means necessary, according to Title 15 USC 6802 - Obligations with respect to Disclosure of Personal Information, stating that a financial institution may not disclose nonpublic personal information to any nonaffiliated third party. In this case, the listed banking institute ( Navy Federal Credit Union ) has already sold the debt ( that originally is not owed by me in the first place, as I'm the Creditor ) to a third party debt collections institution, really making it illegal for me to have any obligation to this, and additionally I should not still be seeing these charge off accounts on my credit profile with late payments posted next to it. I should not have any, of this showing on my public records, that is, on my public profile. Therefore, I request that this all gets cleared by means of removal from my credit profile.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (CO)

Account was paid. XXXX is saying account was never late. I have email from them. Credit collection company wont do anything as they are saying the account is closed so its not their repsponsiblity. 

XXXX can't do anything as they are not showing the account was ever late. 


CREDIT CONTROL SERVICE Original creditor : XXXX XXXX XXXX XXXX XXXX  Balance details Paid off - Balance - Balance updated - Original balance {$550.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Paid, Closed. 
Status updated XX/XX/XXXX Payment summary XXXX XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY XXXX Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** ACCOUNT WAS PAID BEFORE BEING TURNED OVER TO A COLLECTION AGENCY. 

Contact info Name CREDIT CONTROL SERVICE Address XXXX XXXX XXXXXXXX XXXX XXXX2XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Consumer complaint received 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 2024-07-02
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)

I am filing a formal complaint with the Consumer Financial Protection Bureau regarding the failure of Equifax Information Services LLC to block fraudulent accounts from my credit report, despite repeated attempts and providing all necessary documentation. 

My name is XXXX XXXX XXXX, and my Social Security number is XXXX. I reside at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I have been a victim of identity theft, which I reported to the XXXX Police Department under report number XXXX, with XXXX XXXX XXXX XXXX This incident involves suspected identity theft, possibly related to my ex-girlfriend, XXXX XXXX, and XXXX XXXX XXXX XXXX Data breach in 2023. 

The following accounts, which I believe to be fraudulent, require immediate blocking from my credit report : XXXX XXXX  ( XXXX accounts ) XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX  XXXX XXXX XXXX  I have made numerous attempts to resolve this matter with Equifax by submitting : A complete copy of the identity theft report filed with local law enforcement. 
A copy of my government-issued identification card. 
A recent utility bill displaying my name, current mailing address, and date of issue. 
Despite my efforts and clear documentation, Equifax has falsely marked my block requests as disputes and erroneously labeled them as " verified. '' This practice is entirely false and misleading. Furthermore, there have been instances where the data furnishers themselves have repeatedly submitted requests for removal to Equifax, affirming that these accounts are fraudulent. Yet, Equifax continues to refuse to block them, which is a direct violation of FCRA Section 605B and FCRA Section 611. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally obligated to promptly block fraudulent information from my credit report upon receiving proper documentation of identity theft. Equifax 's failure to comply with these provisions is unacceptable and has caused significant distress and financial harm. 

In addition to filing this complaint, I have informed Equifax of my intent to pursue legal action should this matter not be promptly resolved. I request the CFPB 's intervention to ensure Equifax fulfills its obligations under the FCRA and to seek appropriate remedies for the harm caused by Equifax 's negligence. 

Enclosed are copies of the documentation previously provided to Equifax, including evidence of fraudulent activity and communications from data furnishers affirming the fraudulent nature of these accounts. 

I appreciate your attention to this matter and urge the CFPB to conduct a thorough investigation into Equifax 's practices regarding this issue. I look forward to your prompt intervention and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-07-02
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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-10-25
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: Experian Information Solutions Inc. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-07-03
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I have never been late on my student loans. They have been deferred for numerous amount of years. Since dealing with health issues and financial difficulties I always kept in touch and have always kept them either deferred, they have never been late 30 60 90 120 days they've never been late I always apply for the deferment months ahead especially with my medical condition and financial condition be in the same for so long. 
Every year for 20 years I've tried to get them to correct it and I don't have a record of conversations where I filled out deferrals because you do it over the phone and it's granted, so there's no way for me to prove that I had it or for them to prove that it was actually late and not deferred via phone.