davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with Equifax 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 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 2023-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (FL)

I am currently going through a divorce proceeding. I have a final trial date on XX/XX/2023. I have been attempting to work out a loan modification with Shellpoint mortgage due to pending divorce and temporary financial hardship ; however, i was denied and did not qualify for the loan modification. I have been advised to resubmit application once i have final court order and divorce decree ; however, in the meantime company has initiated the foreclosure process engaging in dual tracking and continue to apply additional legal fee to outstanding balance. I am in a situation where i am unable to provide needed documents to be considered for loan modification and the company is well aware of this.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have sent dispute requests to XXXX, Experian and XXXX regarding the following accounts numbers : XXXX / XXXX / XXXX / XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Consumer complaint received 2024-09-30
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. (GA)

I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) that I am a victim of XXXX XXXX  and to report TransUnions failure to comply with Section 605 ( c ) of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws protecting XXXX XXXX.

Under the FCRA, specifically Section 605 ( c ), credit reporting agencies are legally required to block adverse credit information that resulted from XXXX within four business days of receiving a victims request. I have provided TransUnion with all required documentation, including proof of my status as a victim and an official report verifying my victimization. Despite fulfilling my obligations under the FCRA, TransUnion has not complied with its legal duty to block the adverse credit information related to this matter.

Furthermore, I bring to your attention the Justice for Victims of XXXX  Act of 2015 ( JVTA ) [ 18 U.S.C. 1591 and 22 U.S.C. 7102 ], which defines severe forms of XXXX  in persons, including XXXX  XXXX, and ensures the protection and restitution rights of XXXX XXXX These laws emphasize that XXXX XXXX  should not be further victimized through adverse actions that impact their financial standing, including the mishandling of credit report disputes.

Additionally, the XXXX  Victims Protection Act ( TVPA ) and its subsequent reauthorizations highlight the federal mandate to provide restitution and safeguard the rights of victims of XXXX XXXX  and human XXXX. FCRA Section 605 ( c ) was specifically amended to provide victims with the right to have adverse credit information removed when it is a direct result of XXXX. 

XXXX failure to follow these mandates and disregard for the protections afforded to XXXX XXXX under federal law is unacceptable. This non-compliance has caused me undue distress and further compounded the harm I have already suffered. 

I demand that the CFPB take immediate action to ensure TransUnions adherence to the FCRA, XXXX, and XXXX. All adverse information related to this matter must be permanently blocked and removed from my credit report without further delay. I also request an investigation into TransUnions unlawful handling of my case and for the CFPB to impose the necessary penalties to prevent such violations from occurring in the future. 

I expect a prompt response and intervention. Please confirm receipt of this complaint and advise on the next steps to resolve this matter. 

Thank you for your attention to this issue and for safeguarding the rights of XXXX  survivors.
Consumer complaint received 2024-10-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Management Holdings, LLC (NC)

I received a message from my credit report-regarding a possible negative impact on my credit. 
A company called Credit Management Copy bellow : Type Potentially Negative - Major Derogatory Status XXXX XXXX XXXX ( Collections ) Company name COLLECTION MANAGEMENT Phone number ( XXXX ) XXXX Business type XXXX  Payment status {$4000.00} Status date XX/XX/year> Account open date XX/XX/year> I have health insurance and that was covered from my insurance provider. 
I call credit management at XXXX And spoke with them- they treated me- lots of XXXX people- they were rude - disrespectful I need an immediate action regarding this matter. 
XXXX XXXX XXXX
Consumer complaint received 2024-09-09
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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
Consumer complaint received 2024-09-27
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. (FL)

I was checking on my credit report the other day and found that there were inquiries reporting on my file that are not authorized by me. I don't remember approving any of these being reported in my account and it is causing me so much stress.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX  ). Account ( XXXX XXXX ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX
Consumer complaint received 2024-09-09
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following account : XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) Acct Number XXXX Balance : {$2000.00} XXXX XXXX Acct Number XXXX Balance : {$0.00} XXXX  XXXX Acct Number XXXX Balance : {$0.00} XXXX  Acct Number XXXX Balance : {$0.00} XXXX XXXX  Acct Number XXXX Balance : {$2600.00} XXXX Acct Number XXXX Balance : {$560.00}
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-27
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. (NJ)

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 information is inaccurate.
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FISERV INC. (TX)

This complaint is a continuation of this complaint : XXXX I ran into a problem roughly 1.5 - 2 months ago where the service known as Telecheck was blocking all attempts to make a purchase on the website XXXX. 

In my previous complaint, I was informed that my transactions were classified as a " Code 3 '' decline in TeleCheck 's system. 

It appears that I am experiencing the same problem again. I am permanently barred from making any sort of purchase on XXXX regardless of method used. I attempted to reach out to customer service about a week ago and after explaining the situation to them, I have not been contacted by TeleCheck.
Consumer complaint received 2024-09-09
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: Experian Information Solutions Inc. (OH)

I received my credit report from XXXX and Experian and noticed a charged-off account by XXXX account number XXXX I don't recognize this lender or account please remove the account immediately. by the provisions of the Fair Credit Reporting Act. I demand that the accounts and inquiries be removed. I understand under 15 USC sec 1681i ( a ) you must complete a reinvestigation with notice of this dispute. i also understand under 15 USC sec 1681c2 ( a ) a crediting reporting agency shall and must block and remove any information from my credit report that's considered fraud or identity theft. Reporting information with knowledge of error is against my rights. 15 USC 1681s-2 ( a ) 1B. This account was proven in XXXX XXXX XXXX that this account doesn't belong to me please remove this account
Consumer complaint received 2024-09-09
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: Experian Information Solutions Inc. (OH)

I received my credit report from XXXX and Experian and noticed a charged-off account by XXXX  account number XXXX I don't recognize this lender or account please remove the account immediately. by the provisions of the Fair Credit Reporting Act. I demand that the accounts and inquiries be removed. I understand under 15 USC sec 1681i ( a ) you must complete a reinvestigation with notice of this dispute. i also understand under 15 USC sec 1681c2 ( a ) a crediting reporting agency shall and must block and remove any information from my credit report that's considered fraud or identity theft. Reporting information with knowledge of error is against my rights. 15 USC 1681s-2 ( a ) 1B. This account was proven in XXXX XXXX XXXX that this account doesn't belong to me please remove this account
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-09-27
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. (SC)

THIS ACCOUNT APPEARS TWICE ON MY CREDIT SHOWING XXXX  XXXX AND ALSO SHOWING XXXX XXXX. {$460.00} BALANCE. 

I have written THE CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX  numerous times to exercise my consumer rights of validating the debt that is being reported and affecting my consumer report. Per 15 U.S. Code 1692g - Validation of debts, If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector I am filing a complaint against THE CREDIT BUREAU AND XXXX XXXX XXXX XXXX XXXX  to dispute the validity of the debt that has continuously been attempted to be collected by me. I have decided to file a complaint expressing my concerns regarding potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically under USC 1692g, which governs the validation of debts.

I am well aware of my rights under the FDCPA, and I assert my right to dispute the validity of the alleged debt and to request the verification of this debt as stipulated in USC 1692g. Please consider this letter as a formal dispute and request for validation of the debt. I dispute the debt as follows : XXXX : XXXX REASON : 15 U.S. Code 1692e - False or misleading representation INSTRUCTION : PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. YOU ARE VIOLATING 15 U.S. Code 1681e - Compliance procedures Lack of Sufficient Information : Your initial communication this month failed to provide adequate information to enable me to determine the validity of the debt, including the name of the original creditor, the amount owed, and the nature of the debt. Incomplete or Inaccurate Information : The information provided in your subsequent communications has been inconsistent and incomplete, further hindering my ability to assess the legitimacy of the debt.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$90.00} XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

" As per the guidance from the Consumer Finance Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which alls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
XXXX XXXX XXXX. {$11000.00} XXXX XXXX XXXX. {$5100.00} XXXX XXXX XXXX XXXX XXXX. {$530.00} XXXX XXXX XXXX XXXX XXXX. {$4200.00} XXXX XXXX XXXX XXXX XXXX. {$2300.00}