davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

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 21 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 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 2024-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

When I checked on XXXX I was advice account is placed on hold ... I requested someone to get what on-hold issues -- was told by XXXX XXXX it was cause letter of validation sent XXXXinformed XXXX letter no received.. XXXX advise he would assure it's get sent... 
Ask XXXX for payoff letter... .he stated he couldn't do that until validation was sent .... 
Have not received any further response from company. Trying to close home equity line of credit, this is only outstanding issues.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Owed : {$1200.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX A ) XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Owed : {$590.00} XXXX XXXX  ( Original Creditor : Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX  Reference # XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$630.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 2015-11-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Platinum Holdings Group, LLC (CA)

This morning I was contacted by my employer that someone was trying to contact me because they were filing a civil suite against me. The man who contacted my employer was XXXX XXXX XXXX. I called immediately at XXXX. He demanded payment of $ XXXX by tomorrow or {$500.00} + by the months end. I said that I could make a payment arrangement of about {$50.00} a month being that I am a single mother of XXXX and with only my income to support. I explained that I had just recently, back in XXXX, got out of an abusive relation ship that had left me in debt. I said unfortunately I did n't even have enough money to buy my girls XXXX gifts this year or fix my car that is desperate need of repair. I said {$50.00} was the best that I could do but by tax return time I could hopefully pay more. I requested that first he send me official paperwork pertaining to this legal suite XXXX He refused! He said that they already sent something out sometime ago and would not again unless I agreed to make payment. I asked that he send me the paperwork with all my options. He said that " No, because then you 'll receive it and then just say you can only pay {$50.00}. '' I told him that I wanted official documentation and am not going to commit to paying anyone without have official paperwork so that I know who I am sending what to. He became argumentative and refused and said that he already has my wage information and that if I did n't send payment and agree to anything he would follow through with the suite XXXX This ca n't be legal but I am shaking because if it is, I am not in any financial state that I could afford to pay {$3000.00} + back, which is what he said that I would come out to being if I did n't pay by today but no later than tomorrow. I will lose everything that I have worked so hard to get and at the moment keep. Again this is XXXX XXXX who said that he is an attorney and XXXX.
Consumer complaint received 2024-07-03
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. (GA)

This is to follow up about the ongoing issue of fraudulent items in my credit file. Moreover, I am seeking the assistance from you to ensure that this matter is handled appropriately and expeditiously. The ongoing presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the items from my credit report. Failure to do so will compel me to escalate this complaint further with you and seek legal recourse to protect my rights as a consumer. Kindly help me remove the following items immediately : XXXX XXXX {$XXXX} ; XXXX XXXX {$XXXX} ; XXXX XXXX {$XXXX} ; XXXX XX/XX/year> ; XXXX XX/XX/year>.
Consumer complaint received 2024-07-03
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. (PA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I AM VICITM OF IDENTITY THEFT. I FOUND FRAUDULENT INFORMATION BEING REPORTED TO MY CREDIT REPORT. THE ACCOUNT XXXX XXXX REPORTING A BALANCE OF {$350.00} OPENED XXXX XXXX, THE ACCOUNT XXXXXXXX XXXX REPORTING A BALANCE OF {$5400.00} OPENED XXXX XXXX, THE ACCOUNT XXXX XXXX  A REPORTING A BALANCE OF {$2100.00} OPENED XXXX XXXX, THE ACCOUNT XXXX XXXX XXXX  REPORTING A BALANCE OF {$410.00} OPENED XXXX XXXX AS ALL SHOWN ON MY CREDIT REPORT IS NOT MINE AND WAS NEVER OPENED BY XXXX XXXX. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE TO CORRECT MY CREDIT REPORT.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Recently after looking at my consumer report, I discovered that several inaccuracies are being reported. It is from my understanding, per 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account in question is hurting my ability to obtain and use credit. This is the account I am asking you to investigate to ensure accuracy is XXXX XXXX XXXX # XXXX.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Upon a recent review of my credit report, I discovered several unauthorized accounts. These accounts were opened in my name without my knowledge or consent. This raised serious red flags, prompting me to delve deeper into the issue. 

My investigation led me to believe I am the target of identity theft. The presence of these unauthorized accounts, coupled with past instances of my personal information being compromised in data breaches, strongly suggests this possibility. 

Therefore, I am formally reporting this matter for immediate investigation and rectification. I urge you to take the necessary steps to resolve this situation and ensure the security of my identity. 


In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), I am formally requesting verification and validation of certain accounts listed on my credit report with your agency.

During a recent review, I identified several accounts that I neither opened nor authorized. This discovery raises concerns about the potential presence of inaccurate information on my report. 

To ensure the accuracy of my credit report, I request your assistance in verifying and validating the legitimacy of these specific accounts : (XX/XX/XXXX 

I believe this step is necessary due to past instances of data breaches compromising my personal information. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This is to follow up of the regarding the late open, late closed and charge off accounts appearing on my credit report. Despite multiple attempts to rectify this issue, the inaccurate information remains on my credit file. I believe this is a clear violation of the Fair Credit Reporting Act ( FCRA ) and requires immediate attention. I have attached copies of my credit reports highlighting the specific accounts in question, as well as supporting documentation that clearly demonstrates that the accounts should be removed. Despite these efforts, those accounts continues to negatively impact my creditworthiness. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been adequately addressed. I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate information from my credit report. Furthermore, I expect a written response within 30 days of receiving this complaint, outlining the steps taken to rectify the situation. I am asking for your assistance to correct the late open and remove the late closed and charge off in my credit file : 1XXXX XXXX XXXX XXXX XXXX Balance : {$34000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
2. XXXX XXXX XXXX Balance : {$680.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
3. XXXX XXXX XXXX Balance : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
4. XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX Balance : {$16000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX. XXXX XXXX Balance : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX 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 XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-06-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC. (CA)

Ive reached out Equifax, they refuse to remove any The fraudulent information thats on my credit report I sent over FTC report and several police report. Can you please remove all the fraudulent accounts from my report.. THANK YOU
Consumer complaint received 2019-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

To Whom It May Concern, I am writing in regards to filing a complaint against the Loan Servicer, Navient ( formerly, Sallie Mae ) for with-holding information regarding the all necessary payment options ( PSLF ) allotted to me from XX/XX/XXXX year XX/XX/XXXX. 

Please note that all evidence is identified with a letter and will be prompted to view within parentheses following the necessary statements. 

All of my XXXX loans are through Navient/Sallie Mae. My timeline of payments is as follows : ( not all records of payments have been made available for evidence ) XX/XX/XXXX -- -- -- -Payments Made ( A ) XX/XX/XXXX -- -- -- -Payments Made ( B ) XX/XX/XXXX-- -- -- -No Payments Made XX/XX/XXXX-- -- -- -No Payments Made XX/XX/XXXX -- -- -- -Payment Made ( C ) XX/XX/XXXX -- -- -- -No Payments Made XX/XX/XXXX-- -- -- - Payments Made ( E ) XX/XX/XXXX -- -- -- -Payments Made ( D ) ( F ) XX/XX/XXXX -- -- -- -Payments Made ( G ) XX/XX/XXXX-- -- -- -Payments Made ( H ) XX/XX/XXXX -- -- -- - Payments Made ( I ) XX/XX/XXXX -- -- -- -Payments Made ( J ) XX/XX/XXXX -- -- -- -Payments Made ( K ) On XX/XX/XXXX, I made a phone call to Navient/Sallie Mae asking for help regarding my payments ( N ) . As noted in the evidence provided, it was only after I had exhausted all of their given payment options that they offered the PSLF Program by providing me with the government website to explore the program. During this phone call, Navient/Sallie Mae informed me that I had 290 days from my last payment due date before my account would become delinquent ; unto which I was already four days into my delinquent countdown.

Further evidence demonstrates that Navient/Sallie Mae with-held viable payment options as the document states that I have, already reached the maximum amount of time allowed for forbearance ( *O ). In addition, this document clearly shows that Navient was not willing to help as they told me to continue to make your payments as scheduled ( *O ), then led me in circles by only providing me options that I had already exhausted or were already participating in ( P ).

Unfortunately, as the above timeline proves, if Navient/Sallie Mae had provided me with the option to utilize a federal government program ( PSLF ) designed to help public service providers, such as myself ; I may have already had my XXXX   loans forgiven. Instead, as the above evidence states, I am in the first years of the program