davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
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 Equifax 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.

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.

Equifax 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 2024-07-09
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)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-09
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. (FL)

I've made repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These false entries have severely disrupted my life, leading to considerable stress and worry. I must emphasize that I never gave permission for this information to be linked to my name, as I am a victim of identity theft.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (LA)

The company Flagship Credit did not report any payment activity in the second half of 2023. Additionally, they recently recorded XXXX for recently submitted payment activity. 

XXXX then verified the information was correct despite obvious proof payments were received. I recently attempted to trade the vehicle and the dealership explained they would not accept the trade due to misinformation. I am not sure if XXXX ever actually reviewed my dispute or verified the information.
Consumer complaint received 2024-08-04
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (PA)

I noticed when I logged on been verified that information was linked to my account that shouldnt of been on there such as names of companys and phone numbers to different people. Also I noticed my phone was acting weird and tv as well and just new something was off. I noticed a random credit card and prepaid cards linked to my XXXX wallet that I did not put on there as well as random messages popping in my phone about XXXX being tranferred to me as well as random mail showing to my house that seemed linked to my children as well. Then I also see the year XXXX  appear every where as well as my childrens documents appear out of nowhere on my phone and random ads appear and stuff related to my kids being adopted and I believe I had dug too deep in my phone and saw stuff I shouldnt off and after that I felt threatened and targeted by alot of people and high up companys as well.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

I entered into a legal agreement with Ally, that the tradeline for my auto loan would be deleted from my credit profile with all 3 credit bureaus ( XXXX, XXXX, and XXXX ). They initially deleted the tradeline and recently began reporting again. I am in the process of a major purchase and this has the potential to cost me a lot of money if it is not rectified immediately.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (NY)

I have a Credit Karma Checking account with a Debit Card and it is backed by XXXX XXXX 
2 Months ago I had XXXX debit card transactions that were fraud. They charged XXXX dollars - XXXX times in XXXX day and after 10 business days they gave me money back. That was the first time fraud happened. That was resolved and they changed my password and my account numbers. 
On XX/XX/XXXX, at XXXX pm, I received an email from Credit Karma that my ACH transfer is approved. I urgently called in XXXX min later and spoke to an agent. The fraud was XXXX dollars. Every last cent in my account. They moved this money to an account for XXXX XXXX XXXX which was not added by me and not authorized. They loaded another bank account on file and wiped my account out with XXXX in fraud. The transaction was " Pending '' so I called in at night and spoke to customer service and they told me nothing could be done because it was after business hours and the fraud team is not working. I called back the next morning at XXXX XXXX  like they said and spoke to XXXX different departments each telling me they couldn't help me and had to transfer me. I spoke to XXXX team member at Credit Karma and they emailed me a form to sign and date and aknowledge the fraud. I signed that on XX/XX/XXXX and emailed it in that morning. Since then, with a case number and email chain I have emailed them 8 times to get information on what the process is to get my money back and how long it will take. I also called in daily to get an update and nobody is able to give me any information telling me that my case is being handled by a special department but they can not connect me as they dont take phone calls and that I should wait for emails. It has now been 11 days since the fraud happened and to date, not one written or verbal interaction with anyone who can help tell me what is happeneing on my account. They continue to tell me to check my app for dispute status but the transaction on the app is not even showing as disputed. It shows as a normal transaction and under " open disputes '' it shows I have no open disputes. 
I have tried repeatedly to engage to get updates and ask about the fraud process but have been left with no answers and no support.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: KEYCORP (OH)

On XX/XX/year>, XXXX XXXX sent a {$270.00} XXXX payment to my bank ( Key Bank ). When the payment was sent and could have been made available. Key bank chose not to. I have not yet received my funds as XX/XX/year>. I spoke with Key Bank customer service representative and their XXXX representative at least XXXX times. A first Key bank kept claiming that the request had been suspended and I was told to have my payee file a dispute with their bank. They kept claiming that they had not received any funds from XXXX to deposit into my account. The payee called his bank, and it was confirmed 3 times that funds were release and sent to Key Bank. Called Keybank to give them confirmation number and then I was told that they have to verify the funds to avoid fraud and my deposit won't be available until XXXX to 5 days and there is nothing that can be done. I was accused of participating in fraudulent transaction. although I have always used XXXX with Key Bank and there was no evidence of that. They used XX/XX/year> as an excuse and I explain funds are transfer all the time on holidays per XXXX. Keybank violated the funds availability promised implemented by XXXX agreement and created undue hardship and stress for my family and me. I still do not know when or if I will receive the money. Key Bank has dealt dishonestly and needs to be fine and held accountable for their actions creating a problem for no reason at a only to abuse their customers and their power.
Consumer complaint received 2023-04-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 
As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX, But bureau reported that I have many addresses like XXXX, CA XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I have been denied credit and online savings accounts because apparently there is a credit lock on my equifax report. I have tried several times over several months to fix this myself. In fact I came here several weeks ago to file a complaint and never heard from them. Equifax does not offer live chat help over the phone everything is done remotely overseas and I can not find help to access my account and see why I have a credit lock on my equifax report. I did not place a freeze or a lock on my credit file.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with XXXX, XXXX, XXXX, XXXX 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 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 60 days 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, 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 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 XXXX
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-14
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. (DC)

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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 2024-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

Between XXXX and XXXX, my student loans experienced multiple periods of forbearance and repayment without significant payments being made. Despite these extended periods of financial difficulty, I was not offered adequate repayment options such as income-driven repayment plans ( IDR ), which could have helped me avoid further financial hardship and loan default. 

Timeline and Details Forbearance Periods : Over several years, my loans were placed in forbearance multiple times. 
Each forbearance period lasted several months to over a year. 

Repayment Periods : During certain periods, my loans were in repayment status without payments being made, leading to confusion and financial hardship. 

Default Period : Eventually, my loans entered default status and remained in default until they were consolidated and brought back into repayment status. 

Actions by the Company : The company repeatedly placed my loans in forbearance without adequately informing me of alternative repayment options such as IDR. 
The company allowed extended periods in repayment status without payments being made. 

Impact : The frequent forbearance periods led to significant interest accrual and an increase in my loan balance. 
The lack of proper communication regarding repayment options contributed to my loans entering default, further complicating my financial situation. 

Requested Resolution : Retroactive Application of IDR : Apply IDR plans retroactively to the periods when my loans were in forbearance or default. 

Adjustment of Loan Forgiveness Timeline : Correct the forgiveness timeline to account for the periods that would have been covered under an IDR plan. 

Compensation for Financial Hardship : Provide compensation for the financial hardship caused by the mismanagement of my loan status, including excessive interest and fees accrued. 

Punitive Damages : Consider punitive damages for the undue stress and financial strain caused by improper handling and lack of communication regarding repayment options.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have been checking my credit report regularly and keep finding a lot of errors on it, inaccurate information everywhere. This has been a regular occurrence on my report and my requests to correct it keeps getting ignored and it is extremely distressing, it's affecting my life and my credit score negatively.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

I have a few accounts with Wells Fargo and when I used my card on an XXXX XXXX  my card was hacked and there were XXXX transactions for {$300.00} each charged to my account and another charge for almost {$1000.00} and Wells Fargo let it go through and now they say my account will be on hold for 10 days. This is putting my life on hold because my account is negative. I don't know how they allowed all these transactions to go through. This has put a great hardship on me and my family and they seem to care less. I reported this as soon as I noticed it the same day it happened XX/XX/year>. It is now XX/XX/XXXX and they haven't even offered a provisional credit. It is obvious that this is fraud!!!!! and they did not even stop the transactions.
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc. (WA)

I was a victim of identify theft. A fraudulent account was set up under my identity with XXXX XXXX XXXX in XXXX of XXXX. After the typical hours wasted on the phone and on email correspondence, this fraudulent account and the associated debt was removed ( as confirmed, when it was taken off my credit reports ). However, on XX/XX/XXXX I received a letter dated XX/XX/XXXX from TriVerity, seeking collection on the debt ( {$1900.00} ) from the fraudulent account with XXXX XXXX XXXX, which was supposedly corrected/resolved. Yes, XXXX XXXX XXXX unethically sent a debt which they agreed was fraudulent and removed from my credit reports, to collections. Now because of this, I, as a victim of identify theft, will again have to waist numerous more hours rectifying their mess.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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 :