davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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. (NC)

What occurred within my credit file is somehow someone reported the balance of my XXXX XXXX credit card prematurely outside its noraml 30 day reporting cycle. I keep track of when my credit cards are reported each month. XXXX XXXX does not report my credit balance until the XXXX ( sometimes XXXX ) of each month. Credit card companies " do not '' prematurely report credit card balances. There is no valid reason to do it, there are no benefits for doing it. XXXX. 

The Equifax instance represents the second time this has occured in my credit file. Months ago it occurred with my XXXX credit file with one of my other credit cards. It was prematurely reported 21 days ahead of schedule causing my credit score by 9 points. Now in this new case with Equifax, my credit score has instantly dropped by XXXX points. 
I work very hard to move my credit score northward and keep it from dropping so it is unacceptable for my score to drop because my balance was prematurely reports. I pay my balances off each month prior to the accounts being reported, or very close to zero. 
What I know so far is : XXXX ) When I contact the credit card companies, Equifax in this case, they emphatically state that they did not, and do not prematurely report balance, which implies that the CRA was responsible somehow XXXX ) What is also a pattern when it has occurred - it's always isolated to only XXXX CRA. In other words the update to my Equifax file, only occurred the. The same was true when it happened with XXXX. Never did it affect all XXXX bureaus. 
I will get to the bottom of the issue, even if I must take XXXX & and/or Equifax to XXXX to prove they are responsible for the updates. 

So what is the implication : - it's against the law for CRAs to self-report - When a CRA reports XXXX consumers credit data without he actual data furnisher, it represents a violation of the consumer 's privacy. It's the same as a data breach, and affords heavy penalties. If Equifax or XXXX who may have intentionally done this, for their own purposes, and then claim it was the creditor who did, and then respond back via the CFPB portal and to me they were not involved, then they have not committe fraud, not to be taken lightly. I understand why an Equifax or XXXX whould choose to deny involvement, however do understand I will og after you in court for fraud and other violations!
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 


I looked at my Equifax credit report in XXXX of 2024, and noticed some things are incomplete and not accurate. I disputed the accuracy of these accounts several times and Equifax has shown me no proof of validation. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 2024-07-08
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)

Recently I've sent a dispute letter to Equifax regarding inaccurate information and accounts thats reporting to my consumer report. They are reporting that I live at multiple addresses when in reality I only have one address which is on my ID. They responded that the accounts were verified but never provided me any documentation that verifies them. The proper documentation should include signed agreements, contracts, receipts, etc. I received a copy of my consumer report and I've noticed several accounts that's reporting to my report that's unauthorized and under multiple violations. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements? Violations committed by Equifax. 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (PA)

On XX/XX/XXXX I purchased a used car with financing through American Credit Acceptance LLC. 
The purchase price was XXXX. I was led to believe I needed a bunch of add-ons in the amount of XXXX. The interest rate is 24.99 %. They told me not to be alarmed by those numbers. They said in a few months my credit would go up and I would be able to refinance at a better rate. I was XXXX years without credit so I believed them. 
My first payment of XXXX was due XX/XX/XXXX. On XX/XX/XXXX, I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX, On XX/XX/XXXX I paid XXXX. 
I relocated in XXXX from XXXX PA to XXXX PA because I got a new job. Technically my payment in XXXX was late because it was due on the XXXX. I contacted them in XXXX to make arrangements for payments until I could back on track after moving. They agreed. 
On XX/XX/XXXX, I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. But they still kept charging me late fees. I kept sending them money but somehow the payments were still late. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. Today I called them again because they are still saying I am behind and still owe XXXX before I am caught up for XXXX. I asked them why the fees aren't coming off and I was told that I have to call to pay the fees separately. The fees are not deducted when I pay online. 
Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX I have overpaid XXXX. Yet they claim I still owe XXXX before I am current. So when I make another payment on XX/XX/XXXX, I will have overpaid XXXX. Even if I subtract XXXX for late fee for every month, that only amounts to XXXX. But as you can see, every time I was caught up ( several times ) according to their website I really wasn't because the fees were not included in the total due. It said my balance was XXXX in XXXX so that is what I paid. Same in XXXX Balance due was XXXX. I paid it. In the mean time, they keep reporting my payments as late to the credit bureau and my credit is much worse than it was before. This is so deceptive. This company is a complete scam and ripoff. They can't even explain to me where these fees are coming from. The people I speak to on the phone are foreign and there is a complete communication breakdown.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXX was never late! I have had exceptional payment history with 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 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 2024-07-19
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. (TX)

My account with XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX, 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 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 that are reported 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. 


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 2024-07-08
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 have repeatedly tried to resolve the issue of false, incorrect, and misleading information on my consumer report, but the problem persists. These inaccuracies have severely affected my life, causing considerable distress. I must emphasize that I never authorized this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-07-08
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 hereby certify that the preceding statement is truthful and accurate to the best of my knowledge, under penalty of perjury ( as defined by XXXX law, if executed outside of the XXXX ). Furthermore, I certify that I am permitted to submit this disagreement under both federal and state law. I understand that intentional deception or omission of material information is punished as a federal crime under 18 U.S.C. 1001 and as a felony under 18 U.S.C. 1621 for perjury. My credit report contains collection entries that have nothing to do with transactions I started. Financial institutions are prohibited from disclosing information to third parties under 15 USC 6802 ( 1 ) ( a ) ( b ) ( c ) unless I get written approval. There is a violation here! Private information was disclosed by the original creditor, which led to the opening of illegitimate accounts. The Federal Trade Commission is currently looking into these issues. In the event that this account is not promptly removed from all three of my credit reports, I will take legal action against your organization for allegedly providing incorrect information on my credit report.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TN)

This is regarding a credit application for American Eagle ( retail store ) /SYNCB. I was offered a 35 % discount I applied for the American Eagle Rewards credit card. I was told that this application would be a soft inquiry and would not have an impact one my credit score. I was also told it would come off o my report in 30 days. This was a lie. These 2 applications are in act, hard inquiries, and will remain derogatory marks for 2 years.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I was wondering why I couldn't afford even a slight help from a psychiatrist but then I remember that my loans are all getting declined because I do not have a credit score enough to get one. This is because inaccuracies are being reported on my file.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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. 


XXXXXXXX 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 2024-07-08
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Please assist me by removing and blocking the fraudulent inquiries that appear on my credit report. I would greatly appreciate your prompt attention to this matter to ensure the accuracy and integrity of my credit information. Thank you for your understanding and cooperation.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I want to emphasize that this complaint is not sent in error nor a mistake. Upon thoroughly checking my credit report, I found out that it is full of inaccurate information and not guaranteed to be the maximum possible accuracy. My rights as a consumer is being violated and it is affecting me negatively in ways you can not imagine, hard times are upon me and it would be a big help if these wrong information are corrected or removed.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX. XXXX XXXXXXXX XXXX XXXX Balance {$10000.00} Open Date XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Balance {$25000.00} Open date XX/XX/year> I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.