davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 those account 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! 

XXXX XXXX XXXX ( 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 XXXX days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NE)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This XXXX include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This XXXX include emails, letters, or notes documenting your interactions with the creditor. 
XXXX Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This XXXX include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-07-11
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-09-26
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. (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 2024-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

EQUIFAX MAKES SURE THAT THE CONSUMER CAN NOT AVAIL HIMSELF OF HIS FULL CREDIT REPORT BY MAKING THE CREDIT REPORT SECTION OF ITS WEBSITE SO UNWEILDLY SO AS TO BE UNFIT-FOR-PURPOSE. 

THEY OFFER NO COMPLETE CREDIT REPORT FOR PRINTING OR DOWNLOADING INTO PDF, in contrast to the more reliable XXXX, for example. 

INSTEAD, EQUIFAX REQUIRES THE USER TO PARSE THROUGH 11 CATEGORIES OF ONE 'S CREDIT HISTORY. THEN, BY CLICKING ANY CATEGORY YOU ARE LED TO SUBCATEGORIES. UNDER EACH SUBCATEGORY ARE FURTHER SUB-SUBCATEGORIES TO VIEW THE ACTUAL MONTHLY CREDIT PAYMENT HISTORY FOR EACH CREDIT GRANTOR. 

FURTHER, XXXX LURES US INTO BUYING THEIR CREDIT REPORT SERVICES WHILE WE ARE SEEKING OUT OUR CREDIT REPORTS. THEIR " FREE '' SERVICE, COME TO FIND OUT, MEANS THAT I WOULD RELINQUISH MY ACCESS TO EVEN THIS ONLINE CREDIT INFO THAT I AM COMPLAINING ABOUT. INSTEAD, I WOULD RECEIVE ONLY MONTHLY XXXX XXXX SCORES, WHICH ARE FOR ILLUSTRATION ONLY, AND DO NOT INCORPORATE THE PREDICTIVE CONSUMER HISTORICAL BEHAVIORS THAT FICO SCORE  XXXX, XXXX SCORE XXXX, AND FICO SCORE ( XXXX ) INCORPORATE -- -MAKING THE XXXX XXXX SCORE 1. ) USELESS BECAUSE IT IS NEVER USED IN THE ACTUAL CREDIT DETERMINATION PROCESS, AND 2 ). KEEPS THE USER IN THE DARK ABOUT THEIR CREDIT LIMITING AND CREDIT ENHANCING BEHAVIORS.

IN SUM, EQUIFAX SEEKS TO DO THE MINIMIMUM PERMISSABLE UNDER LAW TO 1. ) AVOID GIVING USERS THEIR CREDIT HISTORY IN A MANNER THAT IS ACTUALLY OF USE TO THE USER WHILE 2. ) SELLING SCORES THAT ARE NOT USED IN THE CREDIT DETERMINATION PROCESS, AND WHERE YOU HAVE TO READ THE VERY FINE PRONT TO KNOW THAT TO BE TRUE. 

( I WOULD HAVE MUCH PREFERRED TO HAVE JUST DOWNLOADED MY EQUIFAX CREDIT REPORT IN 30 SECONDS RATHER THAN TO HAVE SPENT 30+ MINUTES TYPING AND EDITIING THIS COMPLAINT. BUT THIS IS WHERE WE ARE NOWADAYS -- -EQUIFAX DOING EVERYTHING IT CAN TO KEEP FROM INCURRING THE COSTS OF PROVIDING WHAT THEY ARE LEAGALLY BOUND TO PROVIDE )
Consumer complaint received 2024-09-12
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Subject : Second Dispute Regarding Charges from XXXX XXXX - {$5200.00} Purchase Made on XX/XX/2023 Dear Synchrony Dispute Resolution Department, I am writing to formally submit a second dispute concerning a charge of {$5200.00} made on XX/XX/2023, in connection with my purchase from XXXX XXXX. My initial dispute has not been adequately resolved, and I am seeking further clarification and resolution regarding this matter. 

In response to my previous communication, I was informed by Synchrony that XXXX XXXX would be contacting me directly to address the issue. However, as of this date, I have received no communication from XXXX XXXX regarding the resolution of my complaint. While I did receive a box of supplies intended for the repair of my adjustable base, no technician has been dispatched to replace the base, and my mattress continues to sag, rendering the product unusable. 

I am requesting that Synchrony provide documented proof that XXXX XXXX has contacted me or has made any legitimate attempt to address this situation, as was previously communicated. Without such proof, I believe that I am entitled to a full refund or appropriate remedy for the defective merchandise under the terms of the cardholder agreement. 

I feel as though I have been deceived in this transaction, and I am not receiving the support expected from Synchrony in resolving this dispute. I kindly request prompt assistance in resolving this matter. If this issue is not addressed to my satisfaction, I may be forced to explore additional remedies, including filing a complaint with relevant consumer protection agencies or pursuing legal action. 

Please acknowledge receipt of this dispute and provide an update on the next steps. 

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

Sincerely, XXXX
Consumer complaint received 2024-09-04
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. (TX)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paradigm Assets, LLC (VA)

I've been trying for months to get a debt collection from Paradigm Assets Recovery removed from my credit report. The original debt was to XXXXXXXX XXXX, and went into default in XX/XX/XXXX. At some point, the debt was sold to Paradigm Assets Recovery. The debt is now over seven years old, and I keep asking to have it removed from my XXXX credit report, but they keep declining to remove it, without providing any proof. I can not contact Paradigm directly due to their history of fraudulently extending debt reporting based on even a phone call to them. Indeed, Paradigm continues to retaliate to my disputes- they now report that the debt started in XXXX, without providing any proof. 

I can no longer access my credit card statements from XXXX 's, but I have attached two " nag '' emails, indicating that my account was past due in XXXX.
Consumer complaint received 2024-07-10
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. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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 2024-07-10
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. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (TX)

Equifax, you are reporting a fraudulent account on my credit report. The collection agency XXXX XXXX has dismissed the case and filed a nonsuit without prejudice which I will attach to this complaint. The company does not have a copy of my ssc, or a photo id, meaning that anyone could have opened an account in my name. I will also attach my data breach claim in which I found out that my information was compromised in your 2017 data breach. If this account is not deleted within 15 days, I will be seeking legal action and compensation up to {$1000.00} per FCRA violation. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge.
Consumer complaint received 2023-04-24
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. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion :
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Student loan accounts are reporting on my credit report for all three bureaus have past the 7 year mark and should be deleted as The Fair Credit Reporting Act ( FCRA ) of 1970 requires credit reporting agencies to remove negative information from a person 's credit report after seven years. 


There are 11 student loan accounts that are all reporting on my credit profile reports. All of them show DEPTOFEDXXXX XXXX XXXXXXXX. 

I have stated several times this debt is NOT MINE, with no success. My only option was to wait for the debt to age off which it has at this point. 

I am requesting all of these accounts be removed immediately. 

I have made this request to the company ( XXXX  ) and to the credit reporting agencies however these outdated accounts which do not belong to me still remain on my report.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 days 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 XXXX days before the payment due date. 


XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Never XXXX the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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 XXXX
Consumer complaint received 2024-07-10
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)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-07-10
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)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX, and Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX Account Number : XXXX XXXX
Consumer complaint received 2024-09-04
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. (LA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.