davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
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 XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 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 ( 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 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 2024-06-13
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. (OH)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-08-29
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. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2019-07-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (CO)

Every month without fail I get a reminder to pay my bill. I have to explain every time that I am XXXX have no income except my husband 's and his paydays are on Fridays. Everyday I get an email, phone call and text about when will I pay my bill even before it's late. I tell them I will send as soon as I can then the threats start. I am pressured into payments that I can not afford cause they say I have to get it in asap. I recently told them my husband had changed jobs and we would be a little late then the rudeness and pressure began. I advised the lady to watch her tone with me but she was extremely rude and harsh. I have the emails and texts. Not to mention they have been contacting my husband along with me. Enough is enough. I have advised this lady to not contact me anymore.
Consumer complaint received 2024-08-27
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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-13
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. (IA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-13
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. (FL)

At this point you are not allowing me my legal access to the information on my personal credit profile as provided by the FAIR CREDIT REPORTING ACT. Please release my personal credit report. I have included copies of official documentation confirming my drivers license, date of birth and social security number as required by you to verify my identification.
Consumer complaint received 2024-06-13
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. (WI)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-06-13
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. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2019-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (IN)

On XX/XX/XXXX, I went to the XXXX XXXX Department. XXXX XXXX XXXX never sent this to my insurance and sent my bill straight to XXXX XXXX XXXX. I paid the bill in full and asked to have this removed from my credit, which they did on XX/XX/XXXX. In XXXX of XXXX, i repeatedly got letters from XXXX Phoenix Financial services . I submitted this and again this was taken off my credit report. On XX/XX/XXXX I was reimbursed by my insurance because I had paid the entire bill four years ago and was told by my insurance that, again, they never submitted a bill to my insurance. This has showed up on my credit report for the third time and has harmed my credit along with Phoenix Financial constantly sending me letters and collection calls. Please have them remove this from my credit asap. My credit score has dropped significantly. Thank you for your continued help.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My federal consumer rights are being violated, This is my formal request for the deletion of the alleged outstanding debt referenced by your agency in accordance with the HR5180 amendment, section 101, paragraph XXXX Amendment of the Fair Credit Reporting Act, which reduces the time period that most adverse credit information stays on consumer reports from 7 years to 4 years. 

Please find the details of the debts in question : XXXX XXXX XXXX  XXXX - Alleged Amount Owed : {$5400.00} - Date of Debt : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - Alleged Amount Owed : {$1700.00} - Date of Debt : XX/XX/XXXX Both of these negative alleged debts are greater than four years and therefore are considered inaccurate and according to USC Title 15, Section 1681s-2, creditors and credit reporting agencies have an obligation to accurately report information on consumer 's credit reports. Any continual violation of reporting inaccurate information will result in possible remedy and legal action.
Consumer complaint received 2024-06-13
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. (PA)

I recently checked my credit report and its showing unauthorized, and unverified inquiries according to the FCRA I am due fair credit reporting. I will list the inquiries below as well as the bureaus I need them removed immediately. XXXX : XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-13
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. (NE)

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.
Consumer complaint received 2024-06-13
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-09
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. (CA)

XXXX XXXX XXXX and equifax are disingenuous Additionally, XXXX entrepreneurs ' credit requests are three times less likely to be approved than XXXX  entrepreneurs. These statistics underscore the persistent economic disparities. However, entities like XXXX, XXXX, and Equifax are disingenuous in their practices. Despite having a FICO score of XXXX, XXXX still required more information from me, such as my Social Security number and pay stubs. This kind of behavior undermines trust and adds unnecessary hurdles for individuals who are already facing economic disparities. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And that's what they're doing : lying.
Consumer complaint received 2024-06-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MI)

The bank failed to help. Repeatedly never returned my calls. This has gone on since XXXX of XXXX I called and sent registered mail XXXX and XXXX time a month for XXXX months. 
I paid off all the fraud charges and all that has remained is service charge and interest which I will not pay for their negligence.
Consumer complaint received 2024-06-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER HOLDINGS USA, INC. (PA)

Checked the bank automated system for payoff information in XXXX, AND XXXX of XXXX, for payoff balance also statement balance reflected sum total of : ( XXXX ) However, Payment was made in full on XX/XX/year> to Santander Branch. PAYMENT WAS MADE IN FULL However SANTANDER BANK is mischievously trying to implement a unknow fee of interest, which is very misleading from the automated system payoff BALANCE.
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Aspen Yo LLC (MD)

I made XXXX mortgage payments in XX/XX/XXXX to Gregory Funding, LLC in XXXX XXXX, California. XXXX payment was made by check in the mail and another payment was by telephone also during XX/XX/XXXX. 

Gregory Funding, LLC responded by transferring my loan to XXXX XXXX in XXXX, South Carolina. When I contacted XXXX XXXX in XXXX, South Carolina to make my first payment on XX/XX/XXXX, the IVR indicated that the payment amount was {$4200.00}. 
This is the amount that Gregory Funding alleged that I owed when in fact I made XXXX mortgage payments during XXXX of XXXX. 

Similarly, in XXXX I paid the real property taxes to XXXX XXXX XXXX XXXX Maryland which should have been paid by Gregory Funding. I requested that I be refunded from Gregory Funding approximately ( {$2700.00} ) Gregory Funding did not respond to my request for a refund of the monies paid for the property taxes. 

Finally, in retaliation, Gregory Funding, LLC transferred my loan to XXXX in violation of my rights under various Federal statutes because I was challenging their nefarious business practices. 

I respectfully request your assistance in this matter.
Consumer complaint received 2024-06-13
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have recently received a copy of my XXXX XXXX XXXX credit reports and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These accounts have been detrimental to my life and credit health.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I am writing to formally dispute the furnishing of my personal information by your agency, as it has been done without my explicit written consent, in violation of the Family Educational Rights and Privacy Act ( FERPA ), specifically 20 USC 1232g.

As per FERPA, educational institutions must have written consent from a student before disclosing any personally identifiable information from their education records. I have not provided any written consent to [ Credit Reporting Agency Name ] to furnish my personal information to any third parties. Therefore, the dissemination of my personal information without my permission constitutes a clear violation of FERPA.
Consumer complaint received 2024-06-04
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. (OH)

Hello recently I looked over my credit report and I noticed several inaccuracies on my credit report. This inaccurate account is hurting my ability to obtain good credit. I understand that you investigate these inaccurate items to ensure accuracy. 

Here is the item Im asking you to verify as accurate. 

XXXX XXXX
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION (SC)

First Advantage did a background check on me for XXXX. First Advantage violated the FCRA by providing information about my criminal history the violation was First Advantage provided history to XXXX of more than 7 years they went all the way back to 1993. This violates my rights I made mistakes in the past but do to these type of companies that make money by dredging up people 's past violates a person 's right to start over. If some type of ethics could be applied to these background companies then people with XXXX XXXX could after several years allow a XXXX to be forgiven instead of allowing these companies to make money by reporting information of 30 years past.
Consumer complaint received 2024-06-04
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. (FL)

I be trying pull up my credit score and report from Equifax but they been giving me a hard time. Equifax is saying its because of my address but I have followed every step from there online address verification, mailing verification letter which I sent XXXX letters, XXXX in XXXX and other recent in XX/XX/year> and has called numerous times. I'm currently trying to get approved for something and this is halting me.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (GA)

The company synchrony also offers cards for bealls stores. I reported the theft of my card and fraudulent charges to both bealls and Belk aka synchrony bank and they wiped out the card with bealls but have pursued me even after many requests for proof it was me and never providing it and me telling them it was theft and not me and now they've sold the debt to a Third party who is suing me for it.
Consumer complaint received 2024-06-04
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)

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> 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 XXXXXX/XX/year>
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NE)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I was a victim of identity theft. Any information on my report between XXXX and XXXX does not belong to me. I am not aware of any of the derogatory items and collections. My entire report is full of fraud.