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

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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


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! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to demand an immediate correction of the errors in the listed accounts based on violations of the XXXX XXXX reporting standards. 
Violations Identified : XXXX. XXXX Account # XXXX : ** Date Last Active : There is a discrepancy between Experian, XXXX, and XXXX regarding the XXXX Last Active. XXXX XXXX reporting standards require consistency across all bureaus, and this mismatch must be corrected immediately. 
Account Status : The account is listed as " Closed '' across all bureaus, but there is an inconsistency in the comments, which mention the account being closed at the request of the credit grantor. These comments are vague and violate XXXX XXXX standards of providing precise information. 
Late Payment History : The late payment history reporting is inconsistent. XXXX bureau reports a XXXX late payment multiple times, while another fails to list this history properly. Uniformity in reporting late payments is mandatory. 
XXXX. XXXX XXXX XXXX Account # XXXX : ** Account Status : The account status is marked as " Closed '' across all bureaus, but the Date Last Active field varies between bureaus. This inconsistency is a violation of XXXX XXXX guidelines. 
Late Payment History : The account indicates a single XXXX late payment, but this is not uniformly reported across all three bureaus. I request that this late payment be properly validated or removed due to inconsistency. 
XXXX. XXXX XXXX XXXX Account # XXXX : ** Date Last Active : Experian and XXXX XXXX different dates for when the account was last active, and the comments mention a XXXX late payment, but this is not consistently reflected in all bureaus. 
Late Payment History : The payment history is not accurately reported across all three bureaus. 
Experian reports late payments differently than XXXX. This failure to follow XXXX XXXX standards is unacceptable and needs immediate rectification. 
XXXX. XXXX Account # XXXX : ** Date Last Active : The accounts last activity date varies between bureaus, violating XXXX XXXX requirements for consistency. 
Late Payment History : There is a single late payment listed, but it is not consistently reported across all three bureaus. Additionally, comments about the account being XXXX while also listing late payments are contradictory and require clarification in accordance with XXXX XXXX guidelines.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

this is my third request for correction and removal innacurate information on my XXXX, XXXX, XXXX, ChexSystems and XXXX XXXX XXXX. The information reported is a direct violation of my rights under federal law. This includes but is not limited to 15 USC 1681 ( 2 ) ( b ), Consumer Credit Reporting Act, HUR 192 Remedy, and 12 USC 1431. The combined reporting of false information along with the misuse of my personal information without my permission is unlawful. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ), ( Section 605 B 15 U.S. Code 1681 C-2 ), ( FRCA Section 605B ), ( 18 USC 1028A ), ( 15 USC 6802 ), ( 15 USC 1681b ), it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposel Failure to correct these inquiries and innacuracies is a direct violation of federal consumer protection laws. please remove as requested.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I am writing to formally request the blocking and deletion of an account and associated inquiries listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report. 
Fraudulent Account : XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$2100.00} Unauthorized Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-10-28
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

XXXX please see prior complaint, I am being harassed day by day all 7 days morning hours like XXXX XXXX XXXX with no caller id and they are not saying they are vs pink credit card. they just say XXXX XXXX I asked for the non stop calls but im being harassed to pay XXXX for a bill I never once been late before so this is harassment im an going to pull my phone records to show how many calls been getting the last call XXXX from XXXX who called from no caller id and he just hanged up I am sick and tired of the harassment from this company now they have charged me late fees and return payments over the past days been harassed. I can file a lawsuit for this matter.
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CA)

The company, DISCOVER BANK, is attempting to collect a debt from me that I do not owe. I had no involvement with the transaction according to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXX, XXXX  and XXXX  are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XX/XX/ XXXX congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (TN)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX **To : ** XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** Request for Removal of Incorrect Addresses and Name Variations **Credit Report Date : ** XX/XX/XXXX **Name : ** XXXX XXXX XXXX **Date of Birth : ** XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit reports from XXXX, XXXX, and Equifax. Upon reviewing my credit report, I noticed the following incorrect addresses and name variations that do not apply to me : 1. **Addresses to be removed : ** 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. **Names to be removed : ** - XXXX XXXX XXXX XXXX XXXX XXXX The only correct name is XXXX XXXX XXXX XXXX and the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not live at the addresses listed above, nor have I used any other variations of my name. 

Please remove all inaccurate addresses and name variations from my credit report. I kindly ask that this information be updated and corrected as soon as possible to reflect only my current name and address. 

Thank you for your prompt attention to this matter. Please notify me when these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I typing this right now in disbelief how XXXX, Transunion, and XXXX treating their consumers. I was using credit for some years now because I didn't want debt. Me learning understanding that American is built off credit, I wanted to start a business to get funding but found out I'm a victim of identity thief. 


I Mailed letters, file a FTC report and many CFPB reports stated what I need changed/Removed from my credit report. All late payments is wrong on my credit report and I want changed ( to paid as agreed ). Collections Accounts should not be on my credit report. I'm demanding a proof of verification that the info in my report is vaild. 

FTC REPORT NUMBER- XXXX if not vailed, I want it changed/removed to what the letters states for the dispute.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I have disputed on numerous occasions that an account called XXXX that is listed on my credit report doesn't belong to me. Anyway, the Fair Credit Reporting Act clearly states that all the information on a person 's credit report must be accurate and complete and if any information is missing then that makes the credit file incomplete and thus should not be listed one 's credit profile. On all three credit bureaus the date of last payment is missing. The date that the account allegedly went into delinquency is different with all three credit bureaus. The amount owed is different with all three credit reports. 
The removal date for this account is different on all three credit bureaus. So, therefore this account is inaccurate and should be deleted from my credit report immediately and this account doesn't belong to me as I am a victim of identity theft
Consumer complaint received 2024-08-20
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)

I seek your assistance with the false account appearing on my credit report. This matter has severely harmed my reputation, and I need your intervention. Your mishandling of my credit report has brought me to a breaking point, as your incorrect reporting has shattered my reputation. You need to correct this situation so I can have peace of mind with my family.
Consumer complaint received 2024-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Credit Acceptance has repeatedly attempted to contact me at a rate of 4+ calls a day, has been informed by them that even after speaking to me in person that collections calls will continue daily even after being informed that it would be in violation of the 7 in 7 law.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

To whom may concern : I am a victim of identity theft the accounts listed below are not any companies that I have applied for credit from. They are all accounts opened without my knowledge or permission. They are fraudulent and need to be removed immediately. 
I have filed the proper documents with my local law enforcement agency as well as with the FTC. I am providing you copies of these items to support my case. So with all that I mentioned and the supporting documentation you must follow the law and remove these items. 

Fraudulent : XXXX XXXX XXXX XXXX - {$660.00} XXXX  - # XXXX XXXX {$7200.00} XXXX - # XXXX - {$8500.00} XXXX XXXX - # XXXX - {$5000.00} XXXX/XXXX  - # XXXX - {$10000.00} XXXX  XXXX # XXXX - {$75000.00} XXXX - # XXXX - {$770.00} XXXX  XXXX  - XXXX XXXX - {$15000.00} XXXX/XXXX  - # XXXX - {$2000.00} Thank You
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Customer Service USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear USAA Customer Service, I hope this message finds you well. I am writing to formally request the removal of all late fees charged to my account due to my recent XXXX  XXXX and ongoing XXXX. As a loyal USAA cardholder for over XXXX  years, I have never previously requested that fees be waived, and I have always strived to maintain my account in good standing. 

Unfortunately, my current circumstances have made it difficult for me to manage my finances as I normally would. Being XXXX has added significant stress and challenges, and my XXXX further complicates my ability to stay on top of my financial obligations. 

I kindly ask that you consider my situation and the loyalty I have shown to USAA over the years. Given my history as a responsible member, I believe that waiving these late fees is a reasonable request under the circumstances. 

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

Sincerely, XXXX XXXX XXXX : XXXX last XXXX of accoount # XXXX
Consumer complaint received 2024-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc. (TX)

On XX/XX/year> I transferred money from XXXX checking account XXXX to my cash app account. An message came up that I had insufficient funds to make a deposit and try again. So I tried the XXXX transfer again. Again it said I had insufficient funds so I tried a smaller amount of XXXX still same message all three transfers. My XXXX XXXX pays the amounts anyway and charges me XXXX for each. This was an emergency my XXXX was very sick and that is the only reason I made the transfers anyway. I went to my XXXX XXXX account and it is showing that XXXX paid all three. Cash app will not post to my account nor will they even investigate. The money went somewhere and I have called XXXX 2 times verifying that the amounts were paid. My XXXX is very sick and I am having to deal with this.. I need cash app to just investigate and see where the XXXX is. I couldn't get anyone at cash app to help me.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (FL)

balance {$8400.00} open XX/XX/year> I was recently made aware that I was a victim of identity theft, and this account was opened in my name without my knowledge or authorization. I have no relationship with this creditor and did not incur this debt.
Consumer complaint received 2024-10-28
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

I was unable to file a dispute or report the card stolen or lost online and over the phone. When I called and went through the robot system and asked to settle a dispute the line disconnected. I never lost my card, it was always in my wallet. However, a new card was opened under my name and a purchase made that I did not make. The website will also not allow me to change my account password.