davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXXXXXX XXXX XXXX AND DEPT OF ED/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 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 XXXX AND DEPT OF ED/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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX # XXXX, XXXX, NV XXXX Email : XXXX Phone Number : XXXX Employer : XXXX. XXXX XXXX Date : XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Removal of Paid Account under FCRA and TILA Account Name : XXXX, XXXX ( Revolving ) Account Number : [ Insert Account Number ] Balance : {$780.00} ( Paid in Full ) Dear Sir/Madam, I am writing to dispute the reporting of the above-referenced account on my credit reports across all major credit bureaus. The account with XXXX XXXX XXXX has been paid in full, yet the account is not being reported accurately by all bureaus, which is negatively affecting my credit profile. 

Legal Grounds for Dispute : Inaccurate Reporting - FCRA Violation ( 15 U.S.C. 1681 ) : Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate and fair reporting of credit information. Despite this, the account with XXXX XXXX XXXX is still showing discrepancies across different credit bureaus. As the debt has been settled and there are inconsistencies in the reporting, this violates my rights under the FCRA, and I demand the account be removed or updated immediately. 

Creditor Definition - TILA Violation ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act ( TILA ), a " creditor '' is defined as an entity that extends consumer credit and to whom the debt is payable. Since XXXX XXXX XXXX is no longer a creditor in relation to this account and the balance has been fully paid, the account should either reflect its paid status or be removed entirely. 

Actions Requested : Immediate Investigation and Removal : I request an investigation into this account as per FCRA regulations. Given the inconsistencies and the fact that the debt has been paid in full, I am requesting the complete removal of the account from my credit reports across all bureaus. 

Correction or Deletion : If the inaccuracies can not be verified, I request that this account be deleted from my reports entirely or updated to reflect its " Paid in Full '' status across all bureaus. 

Written Confirmation : Please provide written confirmation that this account has been removed or updated across XXXX, Equifax, and XXXX once the investigation is complete. 

I expect this matter to be resolved within the 30-day period as outlined under FCRA regulations . If no action is taken within this period, I will pursue further actions to enforce my rights under the law. 

Thank you for your attention to this matter. I look forward to your prompt response confirming the correction or removal of this account. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have tried contacting this company several times through mail and CFPB and nothing gets rectified. They say theyve done a full investigation and change some numbers and put them back on my credit report.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with TRANSUNION 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 ( 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. 


TRANSUNION 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 2024-07-31
Product: Credit card — Store credit 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 (GA)

On XX/XX/XXXX at around XXXX or so I went on XXXX and purchased two gallons of paint and three paint sticks for same day delivery free of charge from the XXXX Lowes . I proceeded to checkout with my balance becoming XXXX. I placed my ordered arms received a confirmation from the store about my order being successfully confirmed. I wasn't sure or concerned when my order arrived because I would be home to receive it. I then received a phone call from the store asking have I received my order.She then stated that her manager told her to check and see have I received my order in which i stated at approximately after XXXX i hadn't. She then proceeds to hang up insuring me she was gon na look into it. I thought that was a very strange phone call so I decided to call and see EXACTLY when my order would arrive to my home. The computerized information stated I was suppose to have received my order between XXXX and XXXX. At this point it was way after XXXX XXXX  XXXX ny order was officially missing.. I then proceeded to all the company on the phone and asked where is my order.. The associate told me that my order had been already picked up from the locker and on the delivery truck as we speak. It was even showing OUT FOR DELIVERY VIA APP! After numerous phone calls back and forth that day I not only didn't receive my order but I was handled unprofessionally y the store associate manager in which she said there's nothing she do! Ma'am are you serious?

Y'all or some one has stolen my order. I then proceeded to call the company at the customer service center and was told to wait until the charges reflect a.d then call back to file a dispute. I STILL wasn't satisfied so I filed a dispute via online through the chat in which I had to wait over an hour for. XXXX was the online associate and after he filed a paper on my behalf he also told me he was gon na file a report of some kind fo track the delivery truck. I have waited almost a month and half to be told I'm responsible for the charges!! I did everything I was supposed to and even thought my placing my order online would be safer to do rather than go in the stores. It's totally unfair that I have to pay for something I never received! The people at this particular store KNOWS what happened to my order because the associate who called me was sounding very suspicious on the phone which prompted me to investigate my order. I don't deserved to be liable for these charges and Lowe 's need to follow the truck, associates and all other parties involved and NOT hold me liable for doing the right thing in which using my credit card in my personal account online.. Please help me! Thank you
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-09-16
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)

Subject : Dispute of Late Payment Record for Account [ XXXX XXXX XXXX XXXX ] Dear CFPB I am writing to dispute the accuracy of late payment information reported on my credit report for account [ XXXX XXXX XXXX XXXX ]. Upon reviewing my credit report, I noticed that late payments were recorded for this account. However, I have always made timely payments and have never missed a payment on this account. 

I kindly request a thorough investigation into this matter and ask that you provide documented evidence, such as billing statements or payment history, demonstrating any late payments. If you are unable to furnish such proof, I ask that you promptly update the status of these payments to reflect their true standing as on-time. 

I trust that you will handle this matter with the urgency and accuracy it requires, as credit reporting plays a crucial role in maintaining a consumer 's financial integrity. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2024-08-19
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. (NJ)

I'm setting up to offer my misgiving concerning the tried records on my credit report. On various events, I have raised the issue of errors in these records, and have continually alluded to that they be all around separated. In spite of my undertakings, I in a little while clearly can't get any objective or repairing movement. These misguided records are genuinely hurting my credit report and deterring my ability to happen with a regular life. The antagonistic outcomes of these slips up have caused tremendous challenges for me, and I'm left with no choice next to battle for your assistance with keeping an eye on what's going on at the earliest doorway. I carefully request that you direct a thorough assessment concerning the fundamental of these tried records. It is basic that the pivotal advances are taken to enable and change my credit report immediately. With your help, I really want to restore the exactness and customariness of my credit record so I could recuperate control over my money related thriving. I really urge you to present this matter your for the most part absurd suggestion and take a catalyst action. Your coordinated effort and moving in settling this issue rapidly would be gigantically critical. Thankful to you without skipping a beat for your perception and help.
Consumer complaint received 2024-08-19
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. (TX)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and 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 human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TN)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

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 2024-09-16
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. (MD)

I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY
Consumer complaint received 2024-09-16
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. (AL)

I am writing to formally express my concern regarding the inaccuracies in several accounts on my credit report. Despite multiple attempts to resolve this matter, these errors remain uncorrected, causing significant harm to my creditworthiness. 

The incorrect information is severely affecting my financial standing, making it difficult to manage everyday responsibilities and future opportunities. I respectfully request a thorough investigation into each of the disputed accounts and that corrective action be taken immediately. 

It is critical that my credit report is updated to reflect accurate information without further delay. I trust that your prompt attention to this matter will help restore the integrity of my credit file, allowing me to regain control of my financial well-being. 

Thank you for your understanding and swift action.