davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
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 XXXX 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 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 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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Submitted initial complaint on XX/XX/2024 because company never assited with any investigation into identity theft. Upon receiving a letter dated XX/XX/2024 requesting my identity information ( ID, Police Report ) company has stated they are still investigating. Per the 15 U.S. Code 1681i - Procedure in case of disputed accuracy the company not only received 30 days but the additional 15 to complete investigation. As of XX/XX/2024 there is no update and information should be removed from my credit report or Civil Suit will be filed.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX GA ) XXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear DEPT OF EDUCATIONXXXX I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Account Number : XXXX * Original Creditor : DEPT OF EDUCATION * Amount : {$2000.00} & {$1200.00} * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, XXXX have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt. 
I kindly request the following actions : XXXX. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations. 
XXXX. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW XXXX. DEPT OF EDUCATIONXXXX {$1200.00} - ACCOUNT # - XXXX XXXX. DEPT OF EDUCATIONXXXX {$2000.00} ACCOUNT # - XXXX Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

This morning, I discovered unauthorized inquiries on my credit report without any apparent reason. When I checked my report as usual, unexpected discrepancies appeared. I attempted to refresh my browser to see if it was a glitch, but the unauthorized inquiries remained. Therefore, I request a thorough review of the documents I sent to ensure I wont have to worry about this again.
Consumer complaint received 2023-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MO)

In XXXX, I send a request to add taxes to my escrow account for mortgage number XXXX. It was never processed. I followed up numerous times after that and was told that it will be processed by XX/XX/XXXX. As of today, XX/XX/XXXX it has not been processed and my account is frozen I am unable to make payments online. I was told that the freeze will be removed by XX/XX/XXXX, but again, nothing was done. I have asked to escalate this issue and a few members of escalation team promised me that it will be resolved. I had to make many calls so far, nothing was done. I was told to make a payment over the phone, but i dont feel safe telling an operator my banking information as there is not guarantee that it will not be misused in future.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( XXXX ) for which the report is being obtained and certifies that he report will not be used for any other purpose.
Consumer complaint received 2024-07-26
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. (NJ)

Why do the negative accounts still remain on my credit report until now, even though I have long wanted to have them removed? I have filed numerous complaints about this, yet they have taken no action. I now want the negative accounts to be removed and the responsible parties to be fined appropriately because their inaction has greatly affected me.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In XX/XX/XXXX, I disputed 3 times with Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the information on my Equifax credit report. I sent a supporting document from XXXX ( see attachment ) and XXXX stated they have sent the information accurately to the credit reporting agencies and the account was closed in XX/XX/XXXX. The XXXX account identifier number is XXXX. XXXX has reported the information accurately but Equifax has not and will not allow an internal dispute even though the error seems to be with Equifax, not XXXX. Equifax is the only agency reporting it inaccurately. The supporting letter from XXXX on XX/XX/XXXX which I have attached supports what I am saying. When I closed my account in XX/XX/XXXX, I paid the accurate balance in full. XXXX kept reporting erroneously a balance that I disputed through CFPB in XX/XX/XXXX which was subsequently XXXX  and resolved. There should be no activity or reporting of data after XX/XX/XXXX when the account was closed. Equifax further reports additional errors where they show multiple times months when my account was paid as agreed and the following month reports 60 days late instead of 30 days late and respectively 90 days instead of 60 and 120 instead of 90. Please see attached documents with examples of such in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am asking for this to be fixed and no data reported after my account was closed in XX/XX/XXXX which is even reflected on the report as the report itself states there was no activity after XX/XX/XXXX. Even stranger is that XX/XX/XXXX and XX/XX/XXXX are in green, reported as paid, but then late from XX/XX/XXXX to XX/XX/XXXX. It just doesnt make any logical sense the way it is reported and Equifax is the only agency reporting it in error like this. I would greatly appreciate your attention to this matter.
Consumer complaint received 2024-07-27
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. (AL)

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 XXXX 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 2024-07-26
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 you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX MI XXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account XXXX XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : XXXX. The method used to verify the accuracy of this collection account. 
XXXX. The name and contact information of the person or entity that provided the verification. 
XXXX. Copies of any documents or records used in the reinvestigation process. 
As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). 
Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ). 
Also multiple times they have repossession the car can not be repossessed every month. 
Thank you for your prompt attention to this matter. I expect a response within the XXXX period allowed by law. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (GA)

At the beginning of XX/XX/2023 I initiated a transfer of funds from my HSA operated by the Bank of New York Mellon via XXXX in the amount of {$510.00}. The funds were removed from my HSA account and the transaction listed as posted on XX/XX/2023. The funds never made it to my checking account with XXXX XXXX XXXX I called XXXX XX/XX/2023. The blamed the delay on a weeklong outage and guaranteed me the funds would be in my checking account by Friday of the same week. On Saturday XX/XX/2023 the funds still were not in my account so I called again and the customer service representative again blamed the delay on an outage but had no explanation for why an outage would affect a transaction listed as posted and not in process. She told me the funds would definitely be in the checking account by Tuesday the XXXX, but they are not.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (IL)

I am a victim of fraudulent information reporting and I am filing this complaint to SYNCB/HOME. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My accounts 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 to be removed/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.

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!
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit report act XXXX  the following accounts XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX  # XXXX AND XXXX XXXX XXXX # XXXX are not being reported fairly and equitable and my consumer rights have been violated. The bureaus are not reporting 100 % accurate information on my credit report, late payments, account numbers, dates of last activity, account status and balances. 

The credit bureaus are in violation because of inaccurate, invalidated, and unverifiable reporting tactics, 15 USC 1681 section 602 A states I have the right to privacy, 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish your account without my written instructions. I have sent letters requesting them to verify the accuracy of these accounts.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I never recognized the following inquiries this is not mine PLEASE DELETE IT NOW! or else I will file a complaint regarding this issue 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 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FirstPoint Collection Resources (SC)

Firstpoint collection resource, a debt collector on behalf of XXXX XXXX, has prejudicially filed collection accounts for medical billing connected to an ongoing liability claim. I have asked both the medical provider and collection agency to file a lien with my attorney, XXXX XXXX, in XXXX, NC. All medical bills will be paid when the claim is settled. The at fault insurance company has accepted fault for the accident. 

Please have this credit agency remove the 16 collection accounts from my credit profile and have them file a lien with the attorney so they can be appropriately compensated by the at fault insurance carrier.
Consumer complaint received 2024-07-27
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 XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. XXXX5 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. 12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of XXXX dollar is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : 1. Credit the amount of the credit balance to the consumers account. 2. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer. 3. make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.