davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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. (GA)

ON XX/XX/XXXX AND XX/XX/XXXX I reported that XXXX XXXX XXXX was falsely reporting 4 late payments on my consumer report. The date of the alleged late payments are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
I reported the error to XXXX and to the credit reporting agencies. I filed a dispute with Equifax about the late payment errors. XXXX never responded with any proof of the late payments. XXXX also reported that the none of the three consumer reporting agencies contacted them about the dispute. My information has been breached on multiple occasions by the credit reporting agencies and other federal institutions. The late payments were intentionally posted on my account to redline me from obtaining business funding. 
Equifax, stated that they investigated the late payments and the creditor verified the late payments. The credit stated they never verified any payments. 
The credit reporting agencies are simply not investing the errors. They are simply waiting 90 days and sending out form letters.
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar contacted us in writing last XX/XX/XXXXabout {$1200.00} in funds being placed in an " unapplied funds account '' and our need to pay {$410.00} to bring our account current. 
I spoke with XXXX XX/XX/XXXX an explained that the full payment should be posted to our mortgage balance. Our minimum payment was {$1600.00}, but we always pay extra principal with a payment of {$1900.00} per month. I explained to XXXX that all funds submitted by us should ALWAYS be applied to the mortgage balance, and were NEVER to be placed in unapplied funds again. 
Today we received a letter from mr. cooper, the new name for Nationstar. The letter states that {$400.00} has been placed in an unapplied funds account, and we need to send {$1100.00} to bering our account current. Our new minimum due is {$1500.00}. We paid the same {$1900.00} that we pay EVERY month. I suspect this ruse is intended to create mythical delinquencies for unsuspecting mortgage holders. I have not yet called to resolve the latest shenanigan, but I promised XXXX last year that I would report them to you if the nonsense happened again.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I went to the Huntington Bank in XXXX Michigan to open a savings and checking account on XX/XX/2023. The account representative order checks for me. I was told it would take 10 working days at least to get my debit card and the checks. I finally received the debit card and tried to activate it. It was unsuccessful the numerous times I tried. It was noted to call the customer service line. When I did I was told that they could not activate the card as well. I was finally told that they were in the process of closing the account. When I ask for the reason they said I would receive a letter explaining the whole situation. I have still not received suitable answer or letter telling me that the account was being closed. I have {$3500.00} in the bank account and I asked if I could go and retrieve my money. They said no that they were in the process of closing the account. Over a month has passed they have not sent any information to me nor have they called me after numerous calls that I placed in the XXXX branch. I am a senior citizen only on social Security. The money is very important to me and they will not give it to me. The money consisted of a check that was written to me for {$3000.00} by my daughter through the XXXXXXXX XXXX. In addition I deposited {$500.00} cash. The check did clear and I received a letter that it had and that the account was supposedly open for me to use the funds as of XX/XX/2023. I continue to get emails asking me to activate my debit card. My last call that I made to Huntington Bank XXXX branch told me that they too are kept out of the loop. They did call regarding the account closure and was given to the fraud department. The lady at the bank told me that I was a double victim and she would try to find out better information for me and she would call me. She did tell me that according to the information on file my money would be held through XXXX XXXX or XXXX. To me this is criminal and they are holding my money, charged me for checks that I can't use {$21.00} and I still have not received a letter of explanation from them. The XXXX branch has been most helpful and sympathetic however the main branch or the fraud department is highly unprofessional it has yet to contact me. I need my money to pay my taxes which are now late because of the bank and regular living expenses.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX was never late! I have had exceptional payment history with 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 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 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 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am in need of my report and my accounts and my credit file to be updated as these 3rd party companies have been violating the law and, my privacy and they are harming me as I have a right to credit and all these accounts are being reported inaccurately and this is a violation of the privacy act, and NO ACCOUNT is ever late and NO account is to be reporting inaccurate information and each item that they have reported is a damage to me and it is a XXXX charge and they need to pay me for the negative and unauthorized items on my consumer files. 
I am a federally protected consumer and I have a right to an accurate and fair credit file. Theres hundreds of items that are being reported that I never consented to. They're in violation of the FDCPA, ECOA, FCRA and any negative items and any false reporting is a damage to me and they owe me XXXX for each unauthorized reporting, i MUST see a copy of the contracts between me and the Equifax as they know and you know that we do NOT have a contract and now they MUST update every single account and the status to show as PAID on Time, NEVER late, NOT CLOSED, and I need all the payment history to reflect as such. 

I have attached the secretary of state PROOF that I WAS NEVER LATE, THAT I do not have any outstanding balances and all these accounts need to be current/ never late and I have an unlimited balance. Make sure they REMOVE and DELETE all the inquiries that they do not have a standing active balance. I need all the accounts to be in favor of me and these accounts are NEVER CLOSED, NEVER LATE, NEVER a charge off and I have NO collections. See attached.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-07-01
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. (IL)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : Summary of Accounts being Challenged in list form : XXXXXX/XX/XXXX - Account Number:XX/XX/XXXX - Account Number:XX/XX/XXXXXXXX - Account NumberXX/XX/XXXXXXXX XXXX XXXX XXXX - Account NumberXXXX XXXX XXXX - Account NumberXX/XX/XXXX XXXX Account NumberXXXX
Consumer complaint received 2024-07-01
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2024-07-01
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. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX 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 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 that are reported 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  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 2024-07-01
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)

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.

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 informationisinaccurate.
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-01
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. (CA)

I DISCOVERED THAT SPECIFIC DETAILS ABOUT XXXX HAVING XXXX DIFFERENT ACCOUNTS UNDER MY NAME THAT THEY CHANGED 3 TIMES I PAID XXXX BUT DID NOT GIVE CONSENT TO EQUIFAX, XXXX NORE XXXX TO OBTAIN MY CREDIT INFORMATION.
Consumer complaint received 2024-07-01
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)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-07-01
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. (PA)

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (VA)

I received an IRS notice CP01E, informing me that my SSN had been used by someone to " obtain employment. '' I had put a freeze on all three credit-reporting-agency accounts and wanted to get a credit report from each agency to ascertain that the freezes were in place. I had no problem getting online versions that I printed from Experian and XXXX. However, XXXX  ' website informed me that my credit report was not available online and that in order to receive a hard copy, I had to fill out and submit its form. The very personal information the form seeks includes copies of my Social Security card, pay stub with SSN and W2 Form. In addition, I am to provide my driver 's license, rental or lease agreement/house deed, pay stub with address, utility bill ( gas, electric, water, cable, residential telephone bills ).

In light of my already compromised SSN, I am not about to send the requested information through the mail. This is a new, unwarranted burden that Experian places on consumers. I obtained last year 's report on line from all three agencies. Please help me and others to get the annual free Experian credit report on line. Thank you.
Consumer complaint received 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification. 


.
Consumer complaint received 2024-07-01
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)

I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what you intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this issue fixed and these accounts deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX