davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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 XXXX XXXX was never late! I have had exceptional payment history 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 to be updated. 


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 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! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-25
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. (MN)

There are errors on my report under 15 USC 16c-2. The listed inquiries were not authorized by me and are hurting my credit. Please eliminate all unauthorized hard inquiries.
Consumer complaint received 2024-10-25
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. (FL)

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of [ Installment loans, and Credit Cards ] from [ XXXX XXXX ] with a balance of {$0.00}, [ XXXX XXXX XXXX ] with a balance of {$550.00}, [ XXXX XXXX ] with a balance of {$210.00}, and XXXX XXXX XXXX XXXXXXXX XXXX ] with a balance of {$180.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ XXXX ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX I noticed I had a balance of XXXX. I didn't want a balance showing on my credit report so I went online to pay off the balance. The site showed I could make a same day payment up until XXXX XXXX. I tried to make a payment at XXXX XXXX but the payment site kept showing the payment would have a posting date of XX/XX/XXXX ( next day ) I called Barclays at XXXX XXXX  and spoke to XXXX ( on a recorded line ) and was able to make the payment over the phone. XXXX repeated the amount and verified the account I wanted the payment to come out of. I had to verbally give him permission to make the payment. He stated the payment was made as of the XXXX but I wouldn't see the available balance until two days. A payment of only {$27.00} was made and it posted on the XXXX, the day after statement posting. I have attached the screen print of my attempt to pay on line, first line shows same day payment up to XXXX XXXX, the lower right corner shows the time of XXXX XXXX when I attempted to make the payment online after talking to XXXX so I could see that it payed and be sure it was going to post for that day. The second attachment shows my statement summary of the account with a statement balance of XXXX and a payment of only {$27.00}. I called back on XX/XX/26 when I noticed the balance, I spoke with XXXX around XXXX XXXX and the resolution was they would notate my account for the issue and open a case.s
Consumer complaint received 2024-06-26
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-26
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 am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required XXXX  Identity Theft Report, these inquiries remain on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 
It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the XXXX  report and removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-22
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)

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 2024-06-22
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. (WA)

I am writing to dispute inaccurate information that appears on my credit report. Please find below the detailed account of the inaccuracies and the relevant supporting information. 
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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft please help me the following does not belong to me/ is inaccurate account type : collection account name : 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 2024-06-25
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 sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Upon conducting a recent investigation, I was deeply distressed to discover unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. 

Under the Fair Credit Reporting Act, it is mandatory that all information on my credit report be reported with 100 % accuracy. However, the accounts in question are in violation of FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting. 

Attached are copies of all correspondence previously sent to your agency regarding this matter. I urge you to address these errors promptly and ensure that my credit report reflects only accurate and verified information, as mandated by law.
Consumer complaint received 2024-06-25
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)

I am writing to follow up on my previous dispute regarding the inaccurate reporting of a negative entry on my credit report across all three major credit bureaus. Despite my repeated attempts to address this matter, it remains unresolved, and I am deeply concerned about the continued inaccuracy.

The latest credit report I received clearly shows discrepancies that are impacting my creditworthiness. Although the entry is listed as current, the payment history for this account incorrectly indicates 30-day late payments for XXXX, XXXX, XXXX, and XX/XX/year>. This inconsistency is present across all three bureaus, and it is unacceptable. Please see attached screenshot.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I discovered that many accounts on my credit report were incorrect when I reviewed them. 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 without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 2024-10-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE ()

A payment of approximately {$20000.00} is due me from sale of shares in XXXX XXXX XXXX XXXX XXXX XXXX. Upon inquiry, I was informed that a check was mailed on XXXX XXXXXXXX XXXX No check has arrived, and there is every reason to believe that no check was mailed. In particular, this is the third occurrence of the same problem, such having occurred over payments for sale of shares in XXXX and in XXXX XXXX and XXXX. In each case, only after months of complaint and disinformation was payment received, by wire transfer in one case. 
A second inquiry in the present case was not answered.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ROBINHOOD MARKETS INC. (NY)

Promotion terms : Get {$120.00} when you go XXXX XXXX, when you sign up for XXXX in the next 4 days and deposit $ XXXX within your first week, you can earn a {$120.00} reward. 
Your deposit can earn a 1 % boost*, plus 5 % APY** when its held as cash. 

Ive signed up for XXXX and completed all the requirements, yet I still havent received the bonus as advertised. When I reached out to customer service, what they did was to restrict my account and require documentation. Once thats cleared out, the case kept getting transferred to various teams without any updated. This is fraudulent and unethical business practice.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am a victim of identity theft which has now caused me to have to mail in my taxes with a identity protection pin and there have been multiple accounts that has been opened in my name and i have not given any authorization to open any accounts on my behalf my information was also exposed on the XXXX  and equifax data breach. The accounts that need to be deleted is XXXX XXXX XXXXXXXX XXXX. the total amout they were asking me to pay was {$2300.00} There are 2 accounts that i have not opened and this is causing me a lot of stress i need this information to be deleted from MY CREDIT PROFILE.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have always maintained an impeccable payment record with the company, with all my payments set up on XXXX. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates XXXX XXXX XXXX. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with XXXX XXXX XXXX, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

XXXX XXXX XXXX ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section XXXX ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule XXXX, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

Credit card bill amount is printed in XXXX font, in violation of TILA requirements on minimum font size, which I believe is XXXX font or larger. Tiny font is difficult to read and increases the chance of errors, potentially incurring charges that benefit card issuer.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have requested verification in writing of the accuracy of this information for over 4 months now. All I receive is a comment stating that the info has been verified, with no details of written verification. Per 15 U.S. Code 1681s the credit reporting bureaus can not report inaccurate info! 

1. XXXX reports timely payments for XXXX, XXXX, XXXX and XXXX ; it shows it as open but is a CLOSED CARD as of XX/XX/XXXX! 
2. Experian reports it was closed in XX/XX/XXXX 3. XXXX shows it being closed in XX/XX/XXXX XXXX. This card was closed XX/XX/XXXX! 

Furthermore, XXXX posts a 'Date Opened ' of XX/XX/XXXX and 150 days late, Experian and XXXX post a Date Opened as XX/XX/XXXX and 120 days late on a card that was NEVER LATE because it was closed BEFORE the dates being reported as late! 

Dates last active, Dates of last payment are conflicting and inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please see attachment.
Consumer complaint received 2024-06-25
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 CHECKED MY EQUIFAX CREDIT REPORT AND I SEE SOME UNAUTHORIZED FRAUDULENT INQUIRIES LISTED ON MY CREDIT REPORT I NEVER GAVE AN YONE PERMISSION TO RUN MY CREDIT THE UNAUHTORIZED FRAUDULENT INQUIRIES ARE 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 2024-06-25
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)

I have been trying to receive the accurate consumer reports with the correct and reflected information since XX/XX/XXXX of 2023. 
I have written and expressed my concerns. The consumer reporting agencies are damaging my right to a fair and accurate report. I have requested that the unauthorized transactions inquiries be deleted. These car have had enough time to obtain the the verification and the proof where I allowed them to report any and all late payments and adding charge offs when theres no late payments. 

I am in need of ALL the accounts to be updated to show as PAID IN FULL/ PAID ON TIME/ and Never late. 
I do not need any credit blanches to be reported as I do not consent to negative reporting. I have requested that the agencies KEEP all my accounts that are on the file as all payments made on time and I need all the payment history to remain on the reports as I need it for my credit files as I had a XXXX before and I was NEVER LATE and No collections as they do not have a a contract and all the consumer reporting agencies are in violation of the law as they have assumed a role that they have no right to. I am also having trouble logging into the app as they have not updated my information and followed the 30 day rule and they are not reporting all my auto loans as PAID in FULL and NEVER LATE. I never missed any payments and the credit card accounts are to be corrected and updated as PAID as Agreed and on time and I need the history to remain on the reports for the months that the account was opened till now if they are reporting it must be as I say and that is to be all current and no negative items. 

I also have marks and items that they are violating the law and each mark is XXXX where do I go to collect those fees for violating my rights and the inaccurate and damaging marks causing me harm. 

Violations Collections 15 usc 1692 Charge offs 15 usc 1601 late payments 15 usc 1666b Hard inquiries 15 usc 1602p I have attached the reports that need to be updated within 4 days.