davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, Company Inquiries : 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-08
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 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 paymen t 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 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 2020-05-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (LA)

During the COVID 19 I was unable to work then when work started back hours was cut I informed Westlake Financial services to see if they can push two months of my payments to the end of my loan they said no they couldnt do it because they did one month already I cant help it if the COVID 19 pandemic hardship last more than one month I am behind on XXXX XXXX two months of car payments my car was purchase in XXXX it was bought new but now its XXXX and this crisis pandemic made it so hard for me to pay my bills Im working now but hours got cut I barely make 40 hours a week Westlake Financial services auto loan is out of XXXX XXXX they call me everyday even on the weekend real early in the morning late at night I am XXXX XXXX I was waiting on my second stimulus check so I can pay them get caught up Now XXXX almost here then that will put me three months behind XXXX XXXX them they will repossess my car and I want be able to work because I want have no way to go to work this pandemic COVID 19 has made me XXXX  XXXX  I cant pay my car note and I need my vehicle transportation to get to and from work if i lose my car I will lose my job the lil job I have if I can get caught up I will be able to make it but they want work with me said they couldnt do it I just need my XXXX and XXXX payments push to the end of my loan and I can save up for XXXX payment
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXL 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 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 2020-05-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Poser Investments, Inc. (CA)

Poser Investments-2nd mortgage collection agency is forcing to foreclose on our home during Nat'l Disaster from covid. Poser refused to cooperate with Short-Sale. Poser is pushing my family to become homeless in the midst of National disaster from covid by putting an Auction Sale date of XX/XX/2020 on our home.Poser refuses to cooperate with XXXX XXXX-our 1st mortgage lender, to do Short-Sale, we have a buyer ready to purchase. We fell behind with mortgage payments because of multiple XXXX from XXXX and loss of income from reduced hours.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 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 XXXX  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 XXXX  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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I cant get approved for any loans, apartments, or anything else because Equifax is reporting inaccurate and incomplete information.They are reporting that I paid on time for a XXXX XXXX XXXX XXXX in XX/XX/XXXX and 60 days late for XX/XX/XXXX which is only 30 days later.They also have no payment history for XX/XX/XXXX .Then they are reporting Im 120 days late in XX/XX/XXXX and 150 days late in XX/XX/XXXX which is 60 days later. They also have my date of first delinquency as XX/XX/XXXX but say I paid on time that month as well, which one is it? It cant be both. For a XXXX XXXX XXXX account they report I opened it in XX/XX/XXXX but has no data available for payment history until XXXX XXXXTheyre reportinging my date of first delinquency was XX/XX/XXXX but have no data available for payment history until XX/XX/XXXX. How can they say I owe anything when they cant even provide certain data? That is DEFAMATION.of my character.For another XXXX XXXX account they are reporting im 60 days late 3 months in a row, XX/XX/XXXX to XXXX XXXXThen they report im 90 days late in XX/XX/XXXX. How can I be 90 days late 3 months later in XXXX if I was already 60 days late in XX/XX/XXXX? They have no date available for XX/XX/XXXX but are reporting Im 120 days late in XXXX and 180 day late in XXXX XXXXWho are they to assume that I missed 60 days of payments from XXXX to XXXX when They have no data available for XX/XX/XXXX? They are reporting my date of first delinquency is XX/XX/XXXX but are also saying I was already 60 days late on my payments 3 months before in XX/XX/XXXX .For a XXXXXXXX XXXX XXXX they have no date available for XX/XX/XXXX to even be able to properly determine anything.They are reporting I paid on time in XX/XX/XXXX but saying im also 60 days late XX/XX/XXXX which is only 30 days later .They are reporting my date of first delinquency is XX/XX/XXXX but also that I was already 60 days late on payments that month .They report Im 120 days late on payments on XX/XX/XXXX but 150 days late in XX/XX/XXXX which is 60 days later. Who are they to assume anything when they dont even have any data available for XXXX 2022.They are saying it is an XXXX XXXX which is false .You will remove these accounts or I will sue you for violating the FCRA .This is harassment and abuse, EXTORTION, DEFAMATION of character and a breach of privacy.
Consumer complaint received 2024-07-29
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 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. Account : XXXX XXXX Account # : XXXX XXXX XXXX : {$430.00}
Consumer complaint received 2024-07-18
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. (NY)

A car loan I had from over 1 year ago was left with a XXXX balance after insurance paid out the car. The company wouldn't offer me the opportunity to refinance and they gave issues releasing the title to the insurance company. THIS CAR LOAN WAS CLOSED OUT ON XX/XX/year>. THEY RAN MY CREDIT AGAIN ON XX/XX/year> WITHOUT MY PERMISSION IN A CLOSED OUT LOAN THAT THEY RECEIVED OVER {$11000.00} FOR. 1 year 3 months later the insurance is still calling me about the title for the car and I see XXXX XXXX XXXX my credit AGAIN!!!!!! I haven't spoken to these people in months I never gave them permission to rerun my credit. They denied giving refinances... SO what are you running my credit for, A year later adding another hard inquiry on. It doesn't make sense my credit just went down from them running it, im not in any dealer or anything I don't even have a car right now.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Equifax. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

PLEASE REMOVE ALL OF THE FOLLOWING FRADULENT INQUIRIES FROM MY CONSUMER PROFILE : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, EQUIFAX MORTGAGE SER, XXXX XXXX, XXXX XXXX XXXX IAM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2024-07-18
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 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 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 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-17
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. (FL)

Dear Sir/Madam, Subject : Immediate Deletion of Unauthorized Accounts from Credit Report, Revocation of Communication Rights, and Notice of Legal Action This notice is to inform you that you have unlawfully reported unauthorized accounts on my consumer report. I have not given you written permission to include any accounts on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your actions amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability. 

Furthermore, this agency is in violation of 15 USC 1692g. You were required to notify me of these debts in writing within five days of your initial communication. I did not receive any such notification. As the original creditor, only I can validate this debt, and I do not validate it. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I hereby revoke all rights for your agency to communicate with me through email, text, or phone calls. All future correspondence must be conducted in writing and sent to the address provided at the top of this letter. 

Failure to respond satisfactorily with the deletion of the above-referenced accounts and to send me a free copy of my report after the changes have been made will result in legal actions being taken against your company. I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Please conduct a thorough investigation of these accounts and provide me with written confirmation of their removal. I expect this matter to be resolved promptly, as it is severely impacting my creditworthiness and financial wellbeing. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-08
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. (CA)

I recently reviewed my credit report and noticed accounts reporting that did not apply for. I believe that someone has used my personal information to open these accounts. I have not used my credit and after reviewing my report, I have seen accounts that are reporting under my name which I never authorized myself. 

The following accounts are not mine and should be removed : XXXX XXXX XX/XX/XXXX. XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00}
Consumer complaint received 2024-07-18
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)

I been disputing this negative accounts for several monthly it's been a month and I never received any response for the 3 bureaus. Please review and take action regarding my dispute. Here 's the list of negative accounts I want to delete XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

THE XXXX BUREAUS ALLOWED XXXX INQUIIRES WHILE HAVING A FRAUD ALERT ON ACCOUNT. THE PERSON TRIED TO OBTAIN A CAR AND NOBODY NOTIFIED ME OF THESE INQUIRIES
Consumer complaint received 2024-07-17
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.