davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
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)

I am refilling the complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

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 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

My account due date is on the XXXX of each month. On XX/XX/22 I logged into the app to process my payment at XXXX EST. It showed my payment would not process on time since it was after a XXXX EST cutoff. I had no knowledge of this and thinking it was an error, I tried again but ultimately ended up calling customer service. I was told the app was accurate and the cutoff time of XXXX is shown on page 3 of my electronic billing statement. I disconnected without paying to investigate and found no statement in my email account. So, I called into customer service again. The next representative told me my statement showed as sent electronically. I disputed this and explained I keep all my records and nothing was there. I also usually get a payment reminder via email each month and found nothing was sent this time. The representative said they do not send reminders but I have records proving otherwise. I was told there was nothing that could be done about the fees. The representative told me as a courtesy that beginning in XXXX they were changing cutoff times by 1 hour. So now payments must be made by XXXX EST. I have received no notice of this change as a cardholder and according to the company website their cutoff time is XXXX EST. With this in mind, my payment would have been on time and would negated any late fee IF I hadn't gone through 2 representatives before ultimately paying on the app. According to my research, code 1026 states the cutoff times must be clearly identified on the billing statement. This is not the case and no notice was given to educate consumers on a new cutoff time. It is only found in small print on the last page of the statement. 
Furthermore the website provides misleading information of cutoff times. I've never been late on this account until now which resulted in a {$30.00} late fee. I was given a one time credit of {$15.00} through the automated system on XX/XX/22 which will be credited within the next 1-2 billing cycles. I feel the creditor is acting in an unethical manner and would like this to be looked into further please.
Consumer complaint received 2023-03-19
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: EQUIFAX, INC. (NY)

The continuous reporting of my lateness that happened a while ago due to economic hardship, In accordance with the federal credit reporting act this creditor has violated my right under 15 usc 1681 section 602 states i have the right to privacy,15 USC 1681 section 604 section 2 also states that a consumer reporting agency can not furnish an account with my name without my written instruction, under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit report or plan as late for any reason or purpose.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

I inquired with XXXX, Equifax, XXXX, and the companies listed below on XX/XX/year>, to request the removal of hard inquiries from my credit report. These inquiries were based on applications for loans that I did not receive. 

**Companies : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested that these hard inquiries be removed, stating that they were made under the presumption that a loan would be issued, which did not occur.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.
Consumer complaint received 2024-07-17
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)

I contacted XXXX XXXX XXXX via certified mail with return receipt requested asking them to validate the debt and cease and desist. They responded within 30 days providing the original creditor and amount of the debt. They did not return any information containing my original signature, ID, verification that they are licensed to collect debt in my state, and/or statute of limitations on this debt.
Consumer complaint received 2024-07-17
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)

Dear Sir/Madam, Subject : Request for Immediate Removal of Charge-Offs Due to Violations of 15 USC 1692g and 15 USC 1681 I am writing to formally dispute the accuracy of the following charge-off entries on my credit report. This agency is in violation of 15 USC 1692g, which requires them to notify me in writing within XXXX days of their initial communication regarding these debts. I did not receive any such notification. As the original creditor, only I can validate this debt, and I do not validate it. Therefore, these accounts must be deleted from my report immediately. 

The accounts that need to be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these accounts constitutes a violation of 15 USC 1681 and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I request that these charge-off entries be investigated and removed from my credit report immediately. The reporting of these accounts without proper validation and notification is not only inaccurate but also unlawful under the aforementioned sections of the Fair Credit Reporting Act. 

Please conduct a thorough investigation of these accounts and provide me with written confirmation of their removal. I expect this matter to be resolved promptly, as it is impacting my creditworthiness and financial wellbeing. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MS)

I applied for a XXXX XXXX credit card. I have had issues getting my statements from them. I contacted them numerous times asking why I was not receiving statements. I also after the third month of issues spoke with a supervisor. She told me she would set me up for auto draft payments. Today, as I laid in the bed with XXXX, I received a call from Comeity Bank who stated I was late on my payment. They tell me that the auto draft stopped this month. I had to enroll online for the payments to continue. I explained again I didnt have a statement to get rhe number off of. I told her that the last supervisor I spoke to set me up on auto draft and there have been no issues. She told me that I had to go online and she wouldnt do this. She asked me about email statements. I told her that would be perfect and I had not been offered that before this call and that I wanted whatever I needed to do to be able to pay my bill. She stated that it was showing my statements delivered. I told her why would I be telling a lie when I have set my statements on auto draft and their company wont do this but for 3 months? They have charged me late fees and were of no help. I am waiting on my email statement and I paid the bill but the late fees will now be placed on my account. This is so unfair that this company has clearly taken advantage of me. I also told them I was recording this call and they refused to speak to me but they said they were. I told them then I did not agree and they stated they could not speak to me the. Where are the customer rights? Where does this stop? XXXX and XXXX are the two I spoke to today valierie being a supervisor. Please help me.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GU)

After contacting Equifax for the past 2 weeks, they stated that my account was unblocked and fraud alert has been removed. However, XXXX XXXX XXXX was unable to obtain my credit report from XXXX XXXX XXXX. 

I'm applying for a mortgage loan that is now time sensitive. Problems are not resolved from Equifax, in fact, the representative wasn't not able to assist me and disconnected my phone call before I can finish. Futhermore, Equifax is blaming XXXX XXXX XXXX for not having my correct information. This is NOT TRUE! 

XXXX XXXXXXXX XXXX. attempted to access your Equifax credit report on XX/XX/year>, but access was blocked. The category of this inquiry is Miscellaneous Reptg.Your Equifax credit report was not delivered to XXXX XXXXXXXX XXXX because your Equifax report is either locked or has a security freeze in place. Therefore, the inquiry for your Equifax credit report by XXXX XXXX XXXX was blocked. 

Is there a reason Equifax is inept in removing the fraud alerts and blocks from my account, although I had my file unlocked online from the myequifax.com website?
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

With XXXX and Experian, I disputed on numerous occasions ; latest being XXXX 2022 on collections subject to FCRA violations : 15 U.S code 1681a 2 as well as 15 US code 5 section 1681b and asked that collections be removed immediately. The only response I received was that they ( reporting agency ) were in compliance with FCRA and refused to provide from who or where they received info on my complaints. XXXX has denied me to dispute my concerns any further. I need these items removed as they are negatively impacting my scores. Below are the collections/charge offs I have disputed with the credit agencies : ( XXXX XXXX Experian XXXX XXXX for {$2300.00} - XXXX {$540.00} XXXX XXXX {$310.00} - XXXX XXXX  - {$640.00} Thank you!
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX, XXXX 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 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 XXXX  days before the payment due date. 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 XXXX  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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I cant get approved for any loans, apartments, or anything else because Equifax is reporting inaccurate and incomplete information.They are reporting that I paid on time for a XXXXXXXX XXXX XXXX  account in XX/XX/XXXX and 60 days late for XX/XX/XXXX which is only 30 days later.They also have no payment history for XX/XX/XXXX XXXX they are reporting Im 120 days late in XX/XX/XXXX and 150 days late in XX/XX/XXXX which is 60 days later. They also have my date of first delinquency as XX/XX/XXXX but say I paid on time that month as well, which one is it? It cant be both. For a XXXX XXXX XXXX account they report I opened it in XX/XX/XXXX but has no data available for payment history until XXXX XXXX reportinging my date of first delinquency was XX/XX/XXXX but have no data available for payment history until XX/XX/XXXX. How can they say I owe anything when they cant even provide certain data? That is DEFAMATION.of my character.For another XXXX XXXX account they are reporting im 60 days late 3 months in a row, XX/XX/XXXX to XXXX XXXX they report im 90 days late in XX/XX/XXXX. How can I be 90 days late 3 months later in XXXX if I was already 60 days late in XX/XX/XXXX? They have no date available for XX/XX/XXXX but are reporting Im 120 days late in XXXX and 180 day late in XXXX XXXX are they to assume that I missed 60 days of payments from XXXX to XXXX when They have no data available for XX/XX/XXXX? They are reporting my date of first delinquency is XX/XX/XXXX but are also saying I was already 60 days late on my payments 3 months before in XX/XX/XXXX XXXX a XXXX Credit account they have no date available for XX/XX/XXXX to even be able to properly determine anything.They are reporting I paid on time in XX/XX/XXXX but saying XXXX also 60 days late XX/XX/XXXX which is only 30 days later .They are reporting my date of first delinquency is XX/XX/XXXX but also that I was already 60 days late on payments that month XXXX report XXXX 120 days late on payments on XX/XX/XXXX but 150 days late in XX/XX/XXXX which is 60 days later. Who are they to assume anything when they dont even have any data available for XXXX XXXX are saying it is an auto loan which is false .You will remove these accounts or I will sue you for violating the FCRA .This is harassment and abuse, EXTORTION, DEFAMATION of character and a breach of privacy.
Consumer complaint received 2024-07-18
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. (IL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM ****
Consumer complaint received 2024-07-18
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have this inquiry left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XX/XX/year>
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I am requesting assistance in obtaining my free credit report from Equifax under the Fair Credit Reporting Act ( FCRA ). Under this statute, I have the right to receive my free credit report every 12 months from each of the credit reporting agencies ( CRAs ). However, Equifax has still not provided me with my credit report. 

I downloaded the paper form to manually request my credit report by United States Postal Service mail from www.annualcreditreport.com. 
I completed all required fields accurately and completely. 
I mailed off my first request with the appropriate first-class postage on Thursday, XXXX XX/XX/2024. 
I did not receive my credit report after waiting 15 days. 
I mailed off a second request on Saturday, XXXX XX/XX/2024. 
I still have not received my credit report from Equifax. 

I would appreciate your help in resolving this issue with Equifax. 

Thank you for your assistance.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 XXXX  days before the payment due date. 

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The following accounts are not mine and do not belong to me. I am a victim of identity fraud which is preventing me from purchasing a home due to the fraudulent items reported on my credit report. I have attached my FTC report for your review. Failure to not comply will result in a lawsuit. the law prohibits you from reporting fraudulent information to my credit report I demand immediate deletion and blockage from any future reporting. 


1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them.