davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-30
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-12-12
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Global Recovery Group (DC)

Global Recovery Group continues to call my phone number. They continually threaten to sue or send my " case '' to court. They threaten that I will be " served '' court papers at my place of work. They refuse to send me any information or a validation notice, which is required by law. I have spoken with XXXX and XXXX, the company that Global Recovery Group claims to be collecting for, multiple times. My debt to XXXX was paid back in 2014. I have record that the debt was paid and satisfied. XXXX also informed me that they do not use third-party debt collectors and have told me over and over not to pay this group and that it is a scam. The scammers have called under two different phone numbers and names : Global Recovery Group at XXXX and XXXX at XXXX.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing a formal and urgent complaint against XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked XXXX  on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX has inflicted undue harm on my financial reputation and stability.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company 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 XXXXSC 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 XXXX ( 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 XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This account was charged oof on the following date : XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX - account # XXXX
Consumer complaint received 2024-07-30
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 was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX 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 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 2017-05-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (LA)

Supposedly I received a loan from  XXXX  that went to a bank account that my husband, who was an   XXXX   military member at the time, closed prior to the loan being taken out. I have asked this company several times to stop collecting on the debt and reporting the debt on my credit report. They have provided to me a   XXXX   XXXX   open-end agreement that does n't have a signature but is typed in and their open end loan history that does n't say where the money went and where they were trying to get it from. From day  1 the  loan payments came back as NSF but that account had already been closed.   I just want this removed and/or taken care of so that I can buy a house. I was willing to settle the debt with  XXXX  just to get these debt  collectors  off my credit report but somehow they responded. I need your help!
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing a complaint against XXXXXXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. XXXX XXXX XXXX XXXX XXXX : {$1100.00}
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-07-30
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX  has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. XXXX XXXX XXXX XXXX : {$2500.00}
Consumer complaint received 2023-04-28
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MD)

Dear, recipient, I am writing to inform you that there is an error on my credit report regarding late payments that were incorrectly reported by Chase Bank. The late payments were reported during a forbearance period when I was not required to make payments. 


I have made several attempts to have Chase Bank correct this error with no success. I submitted requests for adjustment in XX/XX/XXXX and XX/XX/XXXX, but the issue has not been resolved. 


I am seeking your assistance in rectifying this error on my credit report. Please advise me on the appropriate steps to take to have this issue resolved as soon as possible. 


Thank you for your prompt attention to this matter. 


Best regards, XXXX XXXX
Consumer complaint received 2024-07-30
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 was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-30
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. (TX)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-30
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. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-30
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
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)

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing to formally lodge a complaint against XXXX XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have discovered that the above-mentioned account is being reported inaccurately on my credit reports from the major credit reporting agencies. This incorrect reporting has negatively impacted my credit score and caused me significant distress.
Consumer complaint received 2024-07-30
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 urgently address the fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and these negative accounts are the result of criminal activities conducted without my knowledge or consent. It is essential that these inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent accounts in question were opened by someone close to me, who stole my personal information and used it to open accounts in my name. After becoming aware of these unauthorized activities, I contacted the respective banks, who have acknowledged the situation and agreed to remove the fraudulent accounts from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The banks have confirmed the identity theft and are aware that the accounts were opened without my authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing an urgent complaint against XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX have caused undue harm to my financial reputation and stability.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

Yes on XXXX the XXXX I called the phone number of pnc bank. Too check all withdraws on my debit card. I called XXXX too double check too make sure I have enough too make a XXXX withdrawal. The automatic voice said I have XXXX left after all transactions too make the XXXX withdrawal. So I did. Than a day later said I'm overdrawn by XXXX Dollars. I called pnc bank about the problem. They told me I don't have overdraft protection. She told me the atm should have rejected me on transaction. I told her I'm very upset. Been a long time member. This never happened too me before. If they check the record on all transactions. They will see I made withdrawal after all transactions too. The lady sent my information too escalation dept the lady from escalation dept did call me also. Left voicemail. I did return her call. XXXX on her. I feel since there was a error. I should get credit of XXXX also was not my fault. Atm should have rejected me also. I'm.on XXXX living paycheck too paycheck. Going thru hardship. Did not need this problems
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Recently I locked at copy at a copy of my credit report amd noticed several inaccucies on my account. This account is hurting my ability to obtain credit, it is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate Account Name : XXXX XXXX XXXX. Account Number:XXXX
Consumer complaint received 2024-07-30
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$480.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing an urgent complaint against XXXX XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX  XXXX have caused undue harm to my financial reputation and stability. Account : XXXX XXXX XXXX Balance Owed : {$1100.00}