davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc. (AR)

National Credit Management sent a letter dated XX/XX/23 claiming to be from the XXXX XXXX XXXX to collect a debt for my XXXX XXXX XXXX son within 14 days or it would go to collections. The letter was not received until XX/XX/23. I called the university and spoke with the lady that handles the billing and was told that she didnt send any such letter and that she signs her name on billing statements and includes official letterheadboth of which were missing from the letter I received. I made a payment directly to the university after hanging up. I immediately got a call from NCM for my son. I explained to them that he was XXXX and that they needed to tell me why they were calling. They refused and did not identify themselves until I told them that if I was filing a complaint for fraudulent tactics to collect on a debt. Then the representative became more forthcoming. She however claimed NCM worked for the university instead of identifying herself as a debt collector from a private company. She asked me to confirm his birthday. She said that she was calling for the correct person but didnt know he was a minor despite having his birthday in front of her. Several minutes went by before she told me it was an attempt to collect a debt to which I told her that I had a payment plan in place with the university and that Id made my final payment.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I initially sent out letters to all 3 credit bureau 's informing them of the identity theft, along with a report, and copy of my ID on XX/XX/XXXX and informing them of the 4 days they are allotted to remove the information from my report. In order for them to be in compliance with 15 USC 1681-c-2 and 12 CFR 1022 Regulation V. None of the accounts that were listed as unrelated to any transactions completed or known to me have been blocked or deleted from my consumer report. The accounts are once again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

I am making this complaint on behalf of myself, and not through a third party. 

I have been trying to resolve this issue with XXXX since XX/XX/XXXX. I sent them a letter for them to validate the debt they claim I owe on XX/XX/XXXX. They did not respond with what I requested and what is required by law. I've submitted several CFPB complaints along the way as this company continues to violate me. They closed my account, used all of my reward cash, have reported late payments and charged late payment fees on charges I have been disputing. I am a victim of identity theft and reported that to FTC in XX/XX/XXXX. I have since then sent an Affidavit of Truth to Discover requesting response in affidavit form attempting to rebut my claims made. They have not responded and no further action to resolve this issue has been taken. I included exhibits with the affidavit detailing laws they have broken and an invoice for each. This situation causes me immense amounts of stress every day and is causing my credit score to drop to poor levels further compounding the negative effect this company is having on my life. I have included everything I have done so far.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-30
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. (NV)

REPORTING INFORMATION ON MY CREDIT PROFILE WITHOUT MY CONSENT AND WITHOUT CHECKING THE ACCURACY OF WHICH BY LAW THEY ARE REQUIRED TO DO AND THE VIOLATION ON THE PRIVACY ACT OF XXXX
Consumer complaint received 2023-04-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing to follow up on an issue that I have been trying to resolve with the dealership XXXX XXXX XXXX XXXXXXXX. I have attempted to reach out to the dealership directly, but unfortunately, I have not received any resolve since XX/XX/XXXX. 

As a result, I have been forced to reach out to my auto loan bank, Bank of America, to request a buyback of the vehicle. I informed BOA that they are not supposed to finance a car with a salvage title, which is the case for the car I purchased from the dealership. However, I have been calling BOA every day for the last XXXX days, and it seems that nobody can actually help me. They are requesting that I contact the dealership myself to have them unravel the deal, but since I have not received any response from BOA nor the dealership, I feel frustrated and hopeless. 

Therefore, I am turning to the Consumer Financial Protection Bureau ( CFPB ) for assistance in resolving this matter.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and noticed the 3 credit bureaus ( XXXX, Equifax, and XXXX ) were not reporting accurate information. The late payments reflected on my accounts between the dates XX/XX/XXXX and XX/XX/XXXX were incorrect recordings of missed payments during the loan forbearance period. I have since paid my XXXX XXXX account off and is now closed. Enclosed I have copies of the 3 credit bureaus inaccurately reporting late payments during that XXXX global pandemic found on my credit report. Please investigate this matter and contact the nationwide credit bureaus to have them remove the disputed items as soon as possible.
Consumer complaint received 2024-06-30
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. (NY)

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE XX/XX/year> SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY XXXX. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-06-29
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)

In XXXX of 2024 I received a notice on my credit karma report from Equifax alerting me there was a derogatory remark on my report. I was shocked to see that a collection company named XXXX XXXX was report for {$740.00}... I previously had the same account which held by another collection agency in same amount for {$740.00} which was on my Equifax credit report was previously removed. My question is how can a collection that was previously removed by the credit bureau be allowed to put the same collection account back on my credit report but instead allow another collection agency to do this. I believe this is not right and it is an unfair practice.
Consumer complaint received 2024-06-29
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. (MO)

Around last XXXX after being released from hospital I Was Victim of Identity Theft.. Accounts were Not Authorized By Me & Are Fraudulent. I sent all three credit bureaus certified letter via United States Postal service. Enclosed in that letter was the following information : Copy of identification : Copy of correct address : Copy of utility bill : Request To update correct address : Request To delete multiple names : Request to remove fraud statement to contact None Were acknowledged ....

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Consumer complaint received 2024-06-29
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 recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is greatly hindering my ability to obtain credit. It is my understanding that the credit bureaus will investigate this for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : XXXX XXXX Acct # XXXX
Consumer complaint received 2022-06-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

THIS IS NOT A DUPLICATE. Re : Complaint No. XXXX The response given to the last complaint is not valid because PRA is still harrassing me. I sent in multiple cease and desist notices however, in each response they are continually going unregarded. This is a violation of the FEDERAL LAW. And it appears that this company is practicing racketeering. 

I have sent this company multiple cease and desist notices and one multiple occurences this company has failed to comply which is a violation of federal law! This company is conducting deceptive business practices and I, a federally protected consumer, am suffering due to them extorting me and falsely furnishing inaccurate information on my consumer report. 

Since XXXX, PORTFOLIO RECOVERY has been ruining my reputation. As a result of PORTFOLIO RECOVERY illegally and unlawfully furnishing such negative reports to my consumer report, some of the following has occurred. 

Since XX/XX/XXXX, I have been XXXX  due to my consumer report ultimately being the cause of me not getting approved for the apartments I have applied to. This, in result, has caused me a great deal of stress and anxiety especially being a full time working mother that XXXX. The amount of added stress this has caused me has also caused my child to suffer due to me producing less XXXX XXXX to XXXX, per my medical doctors observation. PORTFOLIO RECOVERY has unlawfully broken several laws and I, the consumer, have been left to suffer. I cry myself to sleep every night hoping that my suffering in my life with a negative consumer report will soon be over one day soon. This issue has caused issues within my personal relationship with my partner and other family members as well. My parents and siblings have been approached and harassed at their own homes and recieved many harassing and threatening phone calls. These occurrences have left them feeling unsafe and threatened at their very own front door. These threatening and deceptive practices are causing arguments within my family and my personal life. 

The attached documents that PORTFOLIO RECOVERY submitted as a response to my original complaint do not show anything more than an application for credit. I do not see my wet signature on any of the documents provided. I also do not see where I am obligated to pay anything based off of the copy of the contract that was attached. I do see several discrepancies in this alleged contract which makes it NULL AND VOID. Pursuant to 15 USC 1605, the finance charge is defined as the sum of all charges. PORTFOLIO RECOVERY violated TILA. As a consumer, I am protected by the Truth In Lending Act that PORTFOLIO RECOVERY openly violated. 

This company is also in violation of the Gramm-Leach Bliley Act pursuant 15 USC 6801 . 

Please see the attached documents.
Consumer complaint received 2023-05-23
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX.
Consumer complaint received 2024-06-30
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. (NC)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-06-29
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I sent Equifax a respond to their stall letter since they have been sending me stall letter twice. They said they need me to send in their ID and copy utility bill to verify who I am and which I sent twice already and also sent them a letter responded to their stall letter and they have not resolved anything as of this point. I need them to respond and give me result of my disputes and stop pretending by stalling. Attached is the proof of what I sent them 3 times I sent exactly what they asked and they still request my ID over and over again. Which is very frustrating to me and its been over 30 days they have not responded with any proper investigation.
Consumer complaint received 2024-06-29
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)

To Whom It May Concern : The following list of accounts has infringed upon my federally protected consumer rights to privacy and confidentiality, as stated in accordance with 15 USC 1681. These accounts, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. On XX/XX/year>, I reviewed my XXXX credit report and discovered various instances of incomplete and inaccurate information. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it is obligated to employ appropriate measures in ensuring the highest possible level of accuracy regarding the individual in question, as outlined within 15 USC 1681 ( e ) ( b ). Accordance with 15 USC 1681 ( 5 ), the treatment of inaccurate or unverifiable information is encompassed as follows : ( A ) Following any reinvestigation under paragraph ( 1 ) pertaining to any information disputed by a consumer, should it be determined that an item of information is inaccurate, incomplete, or can not be verified, the consumer reporting agency shall take prompt action, either by deleting said information from the consumer 's file or modifying it as deemed appropriate based on the outcome of the reinvestigation. In addition, the consumer reporting agency shall notify the furnisher of said information in a timely manner, informing them of any modifications or deletions made from the consumer 's file. Furthermore, in accordance with 15 USC 1681s-2, it is the responsibility of the consumer reporting agency to stop from furnishing any information related to a consumer to any consumer reporting agency if the person possesses knowledge or reasonable cause to believe that said information is inaccurate. '' XXXX XXXX
Consumer complaint received 2023-03-16
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. (GA)

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. 

Account name : XXXX  XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.