davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MO)

My account with ( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 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. 


( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ) 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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of alleged late payments XX/XX/XXXX XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the information regarding a late payment on my credit report for the account XXXX XXXX XXXX XXXX XXXX Date of alleged late payments XX/XX/XXXX XX/XX/XXXX I received a response indicating that the late payment was verified, but I have not received any written proof of this verification as requested, nor was I informed of the method used for verification. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to a reinvestigation of my dispute, and I request that you provide me with the following : 1. **Written Proof of Verification** : Please provide copies of the documentation that was used to verify the late payment information. 
2. **Method of Verification** : Please describe the method used to verify the disputed information and provide the contact information for the entity that verified the information. 

Without proper documentation and explanation, the disputed late payment can not be considered verified under the FCRA. Please either provide the requested documentation and details of the verification method within 30 days, or remove the late payment from my credit report. 

If this issue is not resolved to my satisfaction, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action to enforce my rights under the FCRA. 

Please confirm receipt of this letter and provide a timely response. 

Thank you for your prompt attention to this matter. 

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

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX  that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-07-03
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)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, I am writing to follow up on my previous dispute regarding inaccurate information on my credit report. Despite my initial dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), specifically referencing section 15 USC 1681i, the disputed accounts have been incorrectly verified as accurate.

According to section 15 USC 1681i ( 5 ) ( A ) of the FCRA, unverifiable information must be removed from the consumer 's credit report. I request immediate removal of the following inaccurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status as Derogatory, differing from XXXX which reports Collection/Chargeoff. 
- Date Opened not reported, while XXXX XXXX XXXX 
- Date Reported not reported, while XXXX XXXX XXXX 
These discrepancies have been verified as accurate multiple times, violating FCRA 15 USC 1681i ( 5 ) ( A ). This is causing me financial harm. If not corrected, I will seek legal action. My lawyer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-03
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. (PA)

XX/XX/year> I sent a CFBP complaint to XXXX XXXX XXXX due to an inaccurate and incomplete collections account on my consumer report. XX/XX/year>, which is over 5 days of initial communication with the consumer, and nothing was sent to me in the mail. This collector provided me inaccurate and incomplete validation letter and did not provide me with any information or disclosures stating I have received any information provided by them. Or any detailed information regarding reporting this account on my consumer report inaccurately. There were laws violated as well. In this case, I submitted another CFPB complaint on XXXX XXXX complaint ID XXXX. Due to them not removing the account or fixing the issues and violating laws. XX/XX/year> debtor responded they need more time. Now this account has been given to another debt collector without my permission. XXXX XXXX has not completed this complaint with me yet. And already given away my information. This is really giving me XXXX  and stress. This debt collector is violating laws. 
The Fair Debt Collection Practices Act DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT Truth in Lending Act I do not understand why XXXX, XXXX, EQUIFAX is allowing this debt collect report to my consumer report. Please remove as soon as possible. 

The FCRA gives consumers many important rights when it comes to the information that consumer reporting agencies collect about them. It requires consumer reporting agencies ( including the three major credit bureaus ) to make sure the information they collect and share is fair, accurate and kept private.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

*XXXX REQUEST* not a duplicate request I've disputed with Transunion over 3 times. I have given them every opportunity to fix the inaccurate information on my credit report. Instead they send false letters stating they investigated when they have not. The following accounts are still errors and they are posting them every month which is against the LAW and against statute limitations XXXX XXXX closed XXXX XXXX reporting it as sold with another company with a balance. Transunion is reporting them every month as an active payment history. Well over the 180 days limitations. Illegal and I can sue them. 

XXXX XXXX- Claim it is sold to another company ( XXXX XXXX XXXX XXXX XXXX showing with a balance every month. Closed on XX/XX/XXXX. Reporting an active payment history balance every month since XXXX. THIS IS ILLEGAL and I have right to sue them. 

While they claim they have verified these accounts. They have never responded or sent me a response to my method of verification letters. 

XXXX XXXX was never given an invite to auction. Was never given a bill of sale but Transunion is continuing to post them with active negative payment history with a balance every month since XXXX. THIS IS ILLEGAL and I can sue them CFPB- you really need to check into this company and make sure they are properly doing there job per E-OSCAR and Metro 2. As they are not. These errors have been on here for years!
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. (TX)

My consumer report lists accounts linked to identity theft, which I never authorized in writing or with a signature. Following my recent communication, I formally demand the immediate blocking and removal of these accounts. Their presence has caused significant distress and misrepresents my credit history. If not properly addressed, I will take legal action to protect my rights and seek resolution. These fraudulent entries have prevented me from achieving key financial goals, including home ownership and meeting family needs.
Consumer complaint received 2023-04-12
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. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (PA)

I received a bill in the mail from TD Bank in the amount of one XXXX. I called the company and reported that someone opened a credit card in my name. The lady I talked with shut the card off and was sending it to their fraud department.
Consumer complaint received 2023-03-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mobiloans, LLC (CA)

This company and another have been calling me non stop for 6 months now ive had credit card charges that i didnt make that have been happening for a long time but these companies keep calling me and keep saying i owe them money and i keep telling them i sont have a bank account even but they insist i owe them and are now saying i owe them XXXX to XXXX XXXX a piece and i never have had an issue with identity theft untill i moved to XXXX 8 months ago but i need some sort of assistance with all this fruad going on i know my loans i know my accounts but this is getting out of hand i cant afford to pay these one of the companies said they were mobi loans and the other is XXXX XXXX loans
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

I would like to request for XXXX Long story short, I've expressed to TIAA/Everhome/Loancare that my mortgage was being stolen, and what should be a balance of {$300.00} to {$390.00}, instantly and now reporting in my credit a balance of {$440.00} ... ..fix it now. 

I purchased property @ {$460.00} over 10 yrs ago and paid full escrow only. I have never once authorized any heloc, loans or payment. 

I have all the documentation since date of purchase to prove the fraudulent and thieving activity.
Consumer complaint received 2024-07-10
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/year> I got in the mail XXXX envelopes directed to me. When I opened I found XXXX credit card from amazon chase in each envelope. Each card has a different name on it. 
I called to the bank and they said that they are going to take care of it. And told me to destroy the cards. 
But I returned to the bank and they destroyed it.
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-10
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/year>, at approximately XXXX XXXX., I went to Kohl 's department store to purchase clothing. At the register, I encountered a cashier that has previously helped me. At the beginning of the transaction, she did the obligatory ask " will you be using your Kohl 's card today? '' To which I replied, " no. '' When she asked if I would like to sign up for one, I again said, " No, thank you. '' But that wasn't the end of it. She asked me three other times before allowing me to check out. She even required me to look at her screen to see the savings I would get if I signed up that day. I said, " No, thank you '' four times. When handing me my receipt, she then told me when I come back in I will " have that card. '' This is predatory. I am a XXXX XXXX XXXX woman whose very sharp-minded, but an elderly or young person might not be able to see past the predatory request. Further, her comments made it sound like other forms of payment would NOT be accepted ( which sounds like ANOTHER FEDERAL AGENCY issue ). The bureau needs to get a handle on this. When I posted the matter in the local XXXX XXXX, a woman mentioned she saw an elderly woman at Kohl 's the day before told that she was required to sign up for the credit card. 
I tried talking to the manager on shift about the issue immediately after it happened. I told her it was predatory and offensive that the cashier would not take " no '' for an answer. She rudely told me this was a " corporate directive '' to make sure everyone signs up for the credit card and they would make no changes. 
I returned each item I purchased and left.
Consumer complaint received 2024-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

On XX/XX/year>, I received an email from the Missouri Higher Education Loan Authority ( MOHELA ) stating that my " federally-owned loans serviced by MOHELA transitioned to MOHELA 's new student loan servicing platform. '' The email directed me to a create a new online account. After creating a new account, I noticed that my past payments to MOHELA were not shown in my payment history. 

That day, on XX/XX/year>, I called MOHELA and asked a representative why my payment history is missing. The representative said that there is no access to my past payments online due to MOHELA 's transition to the new platform. The representative then said that they can submit a request to have all my past payments mailed to me. I agreed, and the representative said they submitted the request and told me that my payment history will arrive in the mail within 7 to 10 business days ( i.e., by XX/XX/year> ). 

Later that same day, on XX/XX/year>, I called MOHELA again and spoke with a second representative to confirm that the first representative gave me accurate information. The second representative confirmed that a request had been submitted to have all my past MOHELA payments mailed to me within 7 to 10 business days ( i.e., by XX/XX/year> ). 

After the first request described above, I never received my payment history in the mail. 

On XX/XX/year>, I called MOHELA again and said I had not yet received my payment history in the mail. The representative said that the original request " was not submitted correctly '' and then re-submitted the request. The representative said that my payment history will be mailed to me in 7 to 10 business days ( i.e., by today, XX/XX/year> ). 

After the second request described above, I still have not received my payment history in the mail. 

To summarize, I have called MOHELA several times requesting a record of my payment history, since my payment history has disappeared from my account as a result of their transition to a new online platform. Despite calling several times and being told each time I called that I would receive my payment history in the mail within 7-10 business days, I still have not received my payment history. 

I am requesting that MOHELA finally send me a record of my entire payment history to MOHELA since they became my student loan servicer.
Consumer complaint received 2024-07-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

We purchased products at XXXX XXXX XXXX and were offered to apply for a credit card. We did so and were approved within minutes. As soon as we got home, we set up automatic payments on the website to be worry-free. Our first surprise came when our initial automatic payment was rejected, and Synchrony Bank charged us a late fee of {$30.00}. We called customer service, who were able to remove the fee and apologized, explaining that the website was being updated, which caused the rejected payment. They suggested we remove and reset the automatic payment. 

This occurred in XX/XX/year>, and I have attached a screenshot of our bank account showing we had sufficient funds to cover the {$100.00} payment. XXXX passed without any issues. However, on XX/XX/XXXX, they claimed again that my bank rejected the payment, which is untrue, and charged me another late fee of {$41.00}. This time, they said they couldn't remove it because they can only remove one late fee every 12 months. This is unfair as the issue was not due to insufficient funds but because their system malfunctioned. 

Synchrony Bank 's negligence with their system means customers like us have to bear the consequences. Please see all attached documents, including a letter from the bank and screenshots from our account proving there were always enough funds to cover the {$100.00} payment. I request a refund for the unjust late fee.
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. (AZ)

This is a LAWFUL CLAIM from I, the aggrieved man, to both XXXX AND EQUIFAX on reporting of information that to this day after multiple years of reporting and damaging to reputation the furnishing of information that remains unlawful, uncertified, non-order from a legal entity such as a court of law, the furnishing of " child support '' as an obligation being supplied, furnished to persons that request consumer reports of XXXX XXXX XXXX. A name that is copyrighted and trademarked. 
Attached is evidence directed from a court of law to XXXX and to be applied to ALL CONSUMER REPORTING COMPANIES including EQUIFAX, XXXX that the reporting of such information is and has been found to be " Unlawfull ''. The supplemental information describes in detail the lawful and unlawful reasons that such information shall not be furnished on a persons consumer report and to be removed immediately as it violates numerous laws and violates constitutional rights.
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. (IL)

I recently reviewed my credit reports, and I noticed these inaccurate and inconsistent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) stipulates that a consumer reporting agency may not furnish a consumer report without my written instructions. 
I am a veteran of the XXXX XXXX XXXX I am in the process of purchasing a home for my family and this is negatively affecting me.