davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
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)

On XX/XX/XXXX, I previously disputed the accuracy of this account and its reporting. Equifax responded on XX/XX/XXXX, stating that XXXX XXXX XXXX XXXX had furnished the data accurately. However, I have identified a critical inaccuracy that needs immediate correction. 

According to XXXX XXXX XXXX XXXX XXXX, my XXXX payment was received XXXX or more days late. However, my Equifax report shows that the XXXX payment was 60 days late, with no indication of any XXXX late payment in XXXX. This discrepancy violates XXXX XXXX. XXXX ( j ), which mandates that consumer reporting agencies ensure the accuracy and completeness of the information they report. 

Given this inaccuracy, I am requesting the immediate removal of this incorrect 60 day late payment in XX/XX/XXXX from my credit report. The reporting inconsistency brings into question the accuracy and completeness of the file, and as such, it is imperative that this matter is resolved promptly to ensure compliance with federal regulations. 

I have enclosed copies of relevant documents supporting my dispute, including previous correspondence and the disputed credit report entries for your reference.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am challenging these accounts for being inaccurately reported on my credit file and requesting an investigation. According to the Fair Credit Report Act, I should receive {$1000.00} for each erroneous report. I know FCRA 605B requires us to report any inaccuracies in consumer reports.
Consumer complaint received 2024-06-13
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. (SC)

I put in disputes to all three credit bureaus send letter in the mail and he refused to dispute every item that I requested on my credit file. I even asked him to remove old addresses and put in my new address on the credit file, and they refuse to do that. Also also asked them to remove all items and explain the items that are on my credit file is not mine, and I refuse to send me any copies are signed document saying that I signed for particular items that are on my credit file. Also, there's a repo on my credit report that is not mine and I asked them to remove that and I asked him to send me sign documentation showing that I signed for the particular vehicle, and they refuse to send it to me. I also told them to remove names that are on my credit file that are not mine, and they refuse to remove me and that's all three credit bureaus. That's why I am filing this complaint because they're not doing their job adequately and efficiently and leaving things on my credit file and making my credit low
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with these company was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in MONTHS REPORTING 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. 

This company 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 2024-06-13
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-13
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 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 2024-06-13
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. (FL)

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 2024-06-13
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. (CA)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (OH)

I had my issue resolved but I do think there is a greater issue here. I called Synchrony and asked them to waive the newly instituted {$1.00} paper statement fee that hit my monthly invoice for the first time. They waived it and I'd have to sign up for paperless to stop it on the future invoice. I don't think I should have had to do anything in the first place. 

I purchased a bed from XXXX XXXXXXXX XXXX who uses Synchrony bank to finance purchases. Mine is a 0 % interest loan which was made 3-4 years ago and will be fully paid on XX/XX/year>. My monthly invoice is {$65.00} and I pay it every monthly with autopay. This new fee was added and it amount to 3 % of my total invoice. I signed papers year ago for this line of credit which is effectively a loan for a bed. Synchrony tries to say you can use this line of credit for other purchases, but lets be real, there are way better cards to make purchases with on every day items. This line of credit will die with the payoff of my bed. This new fee feels like a change in the terms of the loan. It takes a 0 % interest loan with no fees to 3 % fee on my monthly statement unless I want to jump through hops that I didn't have to previously jump through. I recall reading my paperwork that I signed for the bed involving credit and that this type of situation would not occur. I think everyone who is remotely financially savvy knows that if one side of an agreement can change the payment terms of the agreement on the fly when the other side whose only options are to either comply or pay off the remainder of the loan immediately, that it would be a stupid deal. This is predatory. If my agreement had this fee from the start and it was disclosed at the start that this fee was happening, that'd be one thing. But this is not that situation.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

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 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 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MD)

I am writing this complaint to as a follow up to complaint XXXX. On XX/XX/year> the company responded, stating that the address and said that they were forwarding the information to the proper personnel at XXXX Bank and then provided an email, phone number, and address to send my correspondence. I sent an email on XX/XX/year> regarding this matter ( to the email enclosed in the complaint ) no response, I sent another email on XX/XX/year> to respond to an " over due '' bill, which again should have been placed in a " do not pay '' do not collect '' status per their policy and it still has not been done. This company is refusing to comply with their own mediation processes and was dishonest with the CFPB in stating they were looking into this matter. This matter has not been reviewed and the company is not taking accountability for the fraudulent and deceitful tactics that they use to lie and manipulate consumers. I feel this agency should be held accountable and fined for these illegal practices.
Consumer complaint received 2024-06-13
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX XXXX {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX Owed : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX : {$2000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$140.00} -- -- -- -- -- -- -- XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Owed : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Consumer complaint received 2024-06-13
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. (SC)

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$12000.00}
Consumer complaint received 2024-06-12
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)

[ XXXX XXXX XXXX ; Account Number XXXX ] YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XX/XX/2023 Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally consumer rights to privacy and confidentiality under USC 1681. 

ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX  ACCT # XXXX 15 U.S.C 1681 section 602a states i have the right to privacy 15 U.S.C 1681 Section 604a 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 that the information is inaccurate.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Hello, Please see below and attached as the Original Lender : A old debt from the client XXXX XXXX XXXX XXXX XXXX has been paid in full on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX ( Please see attached for confirmation paid ). On Wednesday, XX/XX/XXXX, a law firm, who claims that her name is XXXX XXXX called me from her business number XXXX multiple times and stated that I need to make a payment as soon as possible to avoid going to the hearing court in the XXXX XXXX. I have replied that I already make this full payment and provided the full information shown ( Attached ) back in XX/XX/XXXX from XXXX. XXXX XXXX, threatened to sue me and take me to court if I don`t make this full payment right way. 

Now, she is stating that if XXXX XXXX make any payment soon or settle this payment, they will take me to court. I have investigated her company and noticed that her number XXXX is showing " Potential Spam '' and I have requested her website business - She told me that they are working on it. While in the middle of the conversation, the line was disconnected few times and I don`t know if she was lying or could be a potential spam from this company. Please have this investigation and abuse from scamming individuals. She has my personal information with my last four number of S.S number and current address. 

Please advise and consult what action needs to be done. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-06-18
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)

i reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account that i have included screenshot inside this complaint in on date XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

PLEASE BLOCKED AND REMOVED. 
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-06-17
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.