davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-07-02
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-02
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-02
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)

These companies violated my rights to privacy. Also, they have not provided me with proof of original agreement and or contracts. Now I have negative items on my credit report I gave no permission to or signed any contracts for.
Consumer complaint received 2024-07-02
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)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

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

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

I demand the late payment reported to be removed/updated.

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.

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!
Consumer complaint received 2024-07-02
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. (NV)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-02
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 ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

I demand the late payment reported in those account 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.

( CREDITOR NAME ) 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 2024-07-02
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 have provided EQUIFAX with all the info and documentation of identity theft per the EQUIFAX data breach in which my info was leaked, I have multiple unauthorized inquiries that were disputed and in response, EQUIFAX willingly refuses to remove these inquiries which is in violation of 15 usc 1681c-2. The FTC as well as the Cfpb are aware of these documents and have notified EQUIFAX. It is not fair or right for my info to be leaked and these unauthorized and unverified inquiries to remain on my report without my consent. I demand these inquiries be removed immediately before further action is taken. According to 15 usc 1681c-2 : 1. **Blocking of Information** : - A consumer reporting agency must block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after receiving appropriate proof of the identity theft.

2. **Requirements for Blocking** : - The consumer must provide the consumer reporting agency with : - Appropriate proof of the identity of the consumer.

- A copy of an identity theft report.

- The identification of the information that is not related to any transaction by the consumer.

- A statement by the consumer that the information is not related to any transaction by the consumer.

3. **Notification to Furnishers** : - The consumer reporting agency must promptly notify the furnisher of the information that the information may be a result of identity theft and that it has been blocked. 

This heavily damages my ability to obtain credit and if not resolved I intend to take action. Consumer Reporting Agencies are required to act quickly to block the disputed information and must communicate with both the consumer and the furnisher of the information. They must also ensure that they have a process in place to handle these requests and to verify the legitimacy, this was not done within the 4 days that it is required which again is a VIOLATION. The date of my dispute is documented with the Cfpb as is the response from EQUIFAX. Now remove these inquiries IMMEDIATELY : 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 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 XX/XX/XXXX Thank you
Consumer complaint received 2023-10-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Debt Validation Request for XXXX Dear Sir/Madam, I am writing to formally request the validation of a debt that your agency claims I owe. I received a communication from your agency regarding an alleged debt, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. 

I request that you provide the following information to establish the validity of the debt : 1. The full amount of the alleged debt, including any additional charges, fees, or interest that have been added. 

2. Detailed information about the original creditor, including their name, address, and contact information. 

3. Proof of your agency 's authorization to collect this debt, including documentation demonstrating that you are licensed to collect debts in my state. 

4. Verification of the date this alleged debt was incurred, along with any supporting documentation that proves I am responsible for the debt. 

5. A complete payment history showing all transactions related to this debt, including any payments made, charges, and any adjustments or credits applied. 

6. Copies of any contracts or agreements I supposedly signed with the original creditor, specifically proving my liability for the alleged debt. 

Please note that according to the FDCPA, you are required to provide this validation information within 30 days from the date of this letter. During this time, you should cease all collection activities related to this debt until you have provided the requested validation. 

If you are unable to validate the debt, or if any of the requested information is unavailable, please immediately cease all collection efforts and remove any negative information regarding this debt from my credit reports. Failure to provide the requested validation will result in the assumption that this debt is invalid, and I will pursue all available legal remedies to protect my rights. 

Please ensure that all further communications regarding this alleged debt are conducted in writing. Any phone calls or other forms of communication should be documented and kept for my records. 

I expect your prompt attention to this matter and a timely response. I look forward to receiving the requested information within 30 days from the date of this letter. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NH)

I have a PayPal account and one day last week I got an email stating that my account had been frozen and I needed to supply information in order to unfreeze the account. I submitted my identification I submitted the proof of address and then they had me submit information on each and every transaction that I had on my account. Even transfers to my external debit card which I don't understand what explanation you need other than it's an external transfer to my debit card. Finally when I finished I submitted all the information and receive a response from PayPal the next day saying that I had been using PayPal for things that are outside of their user agreement and that my account was being permanently closed. And then they followed that by saying that my funds would be held for 180 days to cover any potential chargebacks. First of all I went over their user agreement and their acceptable use policy and great detail and I had done nothing that violated either of those policies. I don't operate a business I don't conduct business on PayPal and I certainly don't use that account for anything other than payments to and from friends and family. That is issue number one. The second issue is that they're holding my money for 180 days. There is {$400.00} in that account. They have no reason to hold that money because I never conducted business on PayPal and it was only friends and family payments and there is zero risk of chargeback. So to hold my money and use chargebacks as an excuse is wrong and unethical. That {$400.00} that sits in that account is money that I needed to go on my vacation which I've already paid for out of my own pocket for my friend and I. My friend had sent that {$400.00} payment in order to cover what I had already paid for him. Without that money I am not able to go on the vacation that I've paid for and I'm also not able to get a refund for that vacation so for PayPal to hold my money when they have no reason to again is wrong and unethical. I have submitted complaints to their customer service department I have submitted complaints to their executive escalation team I have submitted a complaint all the way to their president. I have not gotten a response. now this is ridiculous and this company literally just holds people 's money just so they can collect interest on something that's not theirs. I want this rectified I want my money out of that account. And given that there's zero risk of chargeback I want it now.
Consumer complaint received 2023-09-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

I was preparing to finally move out of my others house. I pulled my credit report as well as applied to a few apartments and have been getting denied. 

I contacted PROCOLLECT Via US Postal Service First Class Mail, to try and dispute the collection. I requested any proof or documents they had. They replied with this debt is valid and updated it on all 3 credit reporting agencies. Also PROCOLLECT is inaccurately reporting XXXX balances. XXXX is reporting a balance of {$5700.00} while XXXX is reporting a balance of {$8700.00} According to the 15 U.S.C 1681 law there should not be any damages on my report as it is reflecting on my poorly and in turn is a defamation of my character
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am a XXXX XXXX  inXX/XX/XXXXIm in the process of purchasing a house and this debt is preventing me from doing so. I dont have a contract with this company nor have I ever done business with them. Please have them remove their collection from my report. Thank you for your help in advance.
Consumer complaint received 2024-07-02
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. (OR)

In accordance with the fair credit reporting act convergent account # XXXX has violate my rights 15 u.s.c 1681 section 602 A states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-01
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. (MA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-01
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 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 those account 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 2024-07-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OH)

I lived in XXXX XXXX. During the time I was living there there was an excessive roof damage. A plumbing issue. A water leak. I weight it out for 2 years. They filed an eviction because of an over payment bill I refused to pay. We went to court we both agreed to break the lease and I move. The apartment was in perfect condition. They are stated I am responsible to pay for the balance in the lease. This is not acceptable.