davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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 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 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 2024-06-01
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. (AZ)

1st of all XXXX and the reporting agencies did not get my consent in any form to share my information with any parties! The information is inaccurate and furthmore they are acting as though they are representing me. Under the FCRA USC 15. 1681 ( B2 ) what they have some is illegal.They show accountants that is well over 7 years! They have statements indicating that they had consulted with the dark web to ascertain my emails XXXX/XXXXXXXX. Most of the addresses are in error are have been misconstrued. Some of these accounts are in litigation. It's all wrong fouled up!
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hello! I tried calling Equifax earlier today but was unable to get reporting issue resolved I think I was misunderstood. My Equifax score 2 days ago days ago was XXXX and as of XXXX it changed to XXXX it decreased over XXXX points and I cant figure out why. I looked to review any changes via XXXX XXXX and it stated there were over XXXX remarks added! How is it that, that many remarks were added in such short period of time and non are collections or anything of that nature and my score dropped that much. I have been diligent with my credit and this is the second time this happened where some data is being pulled and my score drops over XXXX points. The first time was back in XXXX and it had since, been resolved but now it happened again. Please, review as my score prior to this data error was XXXX and now has dramatically impacted me. Please review my Equifax report from XXXX and XX/XX/year> and update my scores as they were prior to the data error as this is a misrepresentation of me. Please update immediately as this is an error and go back to my report prior to XXXX to update as it was. Thank you in advance for your help in this matter! Again, there are no reasons that I am aware of where my score would have dropped that way. Again, I appreciate your assistance in this matter, as this is negative way affecting me since its happened in the past I tend to keep monitoring my report for discrepancies and thankfully, I do as this is unacceptable.
Consumer complaint received 2024-06-01
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 against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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 2019-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (WI)

On XX/XX/2019, I visited my mailbox and discovered a letter from Associated Bank Cardmember Service indicating that I would be required to either respond or use my credit card by XX/XX/2019, in order to have my account kept open. Since I did not receive the letter until the beginning of XXXX, the account had already been closed. 

I called the Cardmember Service line and spoke with a representative, who said the account had been closed on XX/XX/2019. He instructed me to submit a letter to Associated Bank requesting that my account be reopened. I did so. That letter was mailed on XX/XX/2019. 

On XX/XX/2019, I received a letter dated XX/XX/2019 from Associated Bank Cardmember Service indicating that my account had been closed for longer than 30 days and could no longer be reopened. I called Cardmember Service that same day and spoke to a supervisor, XXXX. XXXX said she did not dispute that I had received the initial letter too late to act, nor that I had postmarked my request to reopen the account on XX/XX/XXXX. However, she said, the postal service was not Associated Bank 's responsibility, and therefore, my account would remain closed unless I wished to reapply. 

In summary : 1. Associated Bank sent me a letter asking me to act to preserve my account by XX/XX/2019. I did not receive that letter until XX/XX/2019. 
2. I spoke with an Associated Bank representative on XX/XX/2019, and was advised to send a request to reopen by mail. I did so on XX/XX/2019. My letter explained the situation in full and was dated XX/XX/2019. 
3. I spoke with an Associated Bank supervisor, XXXX, on XX/XX/2019, who did not dispute that I didn't receive sufficient warning to preserve my account, nor that I had requested that my account be reopened within the 30 day deadline. Despite this, she advised me that Associated Bank could not reopen my account and I would have to reapply.

I have made a good faith effort to follow their instructions in order to keep my account open. Closing, reopening, and reapplying for credit cards does damage to my personal credit score. I have been an Associated Bank customer for almost a decade, and I'm shocked that they would let our working relationship end in this terrible way.
Consumer complaint received 2023-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My interest rate for my auto loan is 6.45 % APR. The loan amount was XXXX and was scheduled as a 72 month auto loan. Correct me if I'm wrong but the more you pay towards the principle the less they are suppose to be taking for interest and the amounts they are taking for interest are not consistent whatsoever with what I have paid. I've enclosed some dated screenshots of a few payments I've made and also the amount of interest they have charged me. I get nowhere trying to talk to anyone with capital one about this issue. I get put on hold for long periods of time just to be hung up on in the end. On XX/XX/2023 I called capital one bank and spoke with XXXX on a transaction made on XX/XX/2023 to capital one auto finance in the amount of {$430.00} that posted on XX/XX/2023. And I was put on hold while she went over my account. Upon her return I I told her that I have a conformation number she ask me for it. Then put me on hold again to speak with her supervisor. She came back and informed me that the payment with conformation number doesn't show in my account. And she wasn't sure why it wasn't showing. Also at one point I was well over a year ahead on my payments.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 7th 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4100.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$7200.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-05-31
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. (NC)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within XXXX  DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-06-01
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. (LA)

Equifax Ive had issues dating back to XX/XX/XXXX regarding my credit file and random reporting issues that at times are minor to others major issues. Stuff that is there one day yet the coming week weeks, months or years will have been erased off. 

We are now at the worst point ever wuth this problem. Why? Equifax has failed to properly look into my repeated claims regarding this XX/XX/XXXX I was given an escalation number of XXXX told 7-10 days for the department who handles these research of issues to resolve the problem. Numerous times I tried following up well after the 10 days even into XXXX and told no issues were discovered. Knowing good well it wasnt worked if thats what was reported back. 

XX/XX/XXXX Escalation number XXXX was provided after finally reaching a manager named Josh who saw exactly what I was stating. First hand. Who also gave me reference number XXXX regarding the FTC Inquiries that werent processed yet thou recd ftc in office on XX/XX/XXXX so he processed it. He also looked up the previous escalation number to his surprise to learn the number showed tied to my account yet still pending from XX/XX/XXXX with exactly as Im stating still is ehar was documented in that escalation number back then. 

I called today to just check the status of everything the manager stated tbe inwuiries were deleted so I asked him then why if they were deleted on the XXXX toddy being XX/XX/XXXX are they still showing up. He stated he didnt know. I said you say the report regarding them being deleted was mailed out on tbe XXXX also and as you even see there still reporting. Just give it time please, no thats my problem. Ive given ample time since XX/XX/XXXX youre ruining me finically across the board. So Im left to seek my reports thriygh annual credit reports to which I cant access my reports even. 

XX/XX/XXXX at XXXX I went through the phone system to order my equifax report to which it stated it would be processed and mailed within 15 days. No report had arrived. Which is a violation of some sort Im sure considering I can prove over and over Ive gone through every measure possible to get this fixed. 

I assure you Ill seek legal action in tve coming weeks if action is taken and results regarding all this top up bottom arent delivered. 


XXXX dont respond to this complaint with a form response telling me how to order my reports or such. That clearly doesnt apply here. You as a person who works at XXXX need to verify whats stopping things in the backend and communicate those directly to myself & Equifax as well.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

After checking all three of my credit reports I noticed on all reports it showed this account that I have with this credit card company was a pay to delete account that I requested and also upheld my end of the arrangement by paying off in full over two years ago in counting. Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, Experian and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-31
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-01
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. (AZ)

Thank you for addressing some of the inaccuracies previously noted on my credit file. However, I remain concerned that not all measures required by the Fair Credit Reporting Act have been met in your review process. I am concerned that some items still need to be correctly resolved to ensure the utmost accuracy of my credit file. Thus, I am requesting a further investigation into the specific account listed below : XXXX XXXX  XXXX XXXX Balance Owed : {$510.00}. Should your investigation fail to verify the accuracy of the disputed information, as per my rights under the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I insist on a reevaluation and correction of this account. Please provide me with the names and addresses of the individuals contacted during the investigation. As outlined in 15 U.S.C. Section 1681i ( 5 ) ( A ), you are allotted fifteen ( 15 ) days from the date of this letter to complete these tasks unless I am notified otherwise. A failure to confirm these details within this period will be regarded as non-verification, and the items must be corrected immediately as specified in Section 1681i ( a ). Furthermore, in accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please inform me when the items have been corrected or removed. Once completed, kindly send an updated copy of my credit report to my address as previously noted.
Consumer complaint received 2024-06-01
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-01
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-01
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)

Equifax continues to report incorrect information in my consumer report. There is a collection account listed as Account # XXXX that has no name or other identifying information listed. This is incomplete information and a violation of my consumer rights. Equifax needs to validate this information or remove it.