davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
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 the company and i was never late! I have had exceptional payment history with this company 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.

This company 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 2024-05-09
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. (TX)

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX - XXXX XXXX - XXXX XXXX  - XXXX
Consumer complaint received 2024-05-10
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)

THIS LETTER ISNT COMING FROM A CREDIT REPAIR AGENCY THIS LETTER IS COMING FROM A HUMAN A MAN IM NOT A ROBOT AND I TAKE MY LIFE VERY SERIOUSLY. I HAVE RECENTLY DISPUTED THE REFERENCES # XXXX & # XXXX BANKRUPTCY THAT XXXX XXXX ARE REPORTING ON MY XXXX, EQUIFAX & XXXX CONSUMER REPORTS XXXX XXXX XXXX STATED THEY WERE UNABLE TO IDENTIFY MY IDENTITY IN MY FIRST DISPUTE CLAIMNG MY INFORMATION WAS FRAUDULENT. I HAVE UPDATED MY INFORMATION WITH XXXX XXXX BY MAILING MY IDENTIFICATION ( DRIVER LISCENSE ) AND ( PROOF OF ADDRESS ). I ALSO HAVE A RECORDED PHONE CONVERSATION WITH ONE OF YOUR AGENTS. OK LETS GET TO THE MATTER AT HAND. THE ADDRESS THAT WAS FILED ON MY BANKRUPTCY WAS XXXX XXXX XXXX XXXX XXXX, GA XXXX. MY CURRENT ADDRESS IS THE ABOVE ADDRESS UNDER MY GOD GIVEN NAME. XXXX XXXX CLAIMED THAT I AM DISPUTING THAT THE BANKRUPTCY WASNT MINES THATS NOT TRUE. WHAT I AM DISPUTING IS THE FILING OF MY BANKRUPTCY ON MY 3 CREDIT REPORT WITHOUT MY AUTHORIZATION. YOU STOLED MY DATA, MY PUBLIC INFORMATION, AND PERSONAL INFORMATION WITHOUT MY WRITTEN CONSENT ACCORDANCE WITH 15 USC 1681a ( 2 ) AND PLACE IT ON YOUR PLATFORM. I HAVE NO ACKNOWLEDEMENT OF YOUR CORPORATION AND NO CONTRACTS, NO WET SIGNATURES ON ANY CONTRACTS. I DONT HAVE ANY DEBTS, FINANCIAL STATESMENT OR PROMISSORY NOTES WITH YOU COMPANY I HAVE ALSO PLACE A FREEZE ON MY LEXIS NEXIS ACCOUNT SO WHY ARE YOU CONTINUOSLY UPDATING THESE REFERENCES. SUCH AS COURT RECORDS OR ANY AND ALL PUBLIC RECORDS ON MY CONSUMER REPORTS!!!! THIS IS CLEAR VIOLATION TO METRO COMPLIANCE! IM DISPUTING THIS ITEMS AGAIN! PLEASE REMOVE THE FOLLOWING REFERENCES ABOVE FROM MY XXXX, EQUIFAX, AND XXXX XXXX REPORTS IMMEDIATELY. SINCERELY, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOFI TECHNOLOGIES, INC. (FL)

I have an account with SOFI Lending and XXXX XXXX XXXX is illegally trying to collect on a debt that is covered by the arbitration clause in my loan agreement. 

In violation of the FDCPA, XXXX has posted the collection account on my credit reports.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (PA)

I deposited cash into atm on XX/XX/year>. And an error came up printed my deposit exception record. Contacted bank they reimbursed me XXXX. I said thats fine when the dispute is over they would deposit the rest. 2 months go by never hear anything. So I call again they say you should had gotten a letter we reimbursed your money I said no you reimbursed a partial payment so gave me the XXXX number for disputes threw key bank Ive contacted them 7 times and told every time someone would get back to me and this would be fixed. Its now almost 4 months later. No phone calls nothing is being fixed
Consumer complaint received 2024-05-08
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. (AL)

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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2023-09-25
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: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-09-06
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)

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this company has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. US DEPT ED XXXX
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I wrote a check in the amount of {$23000.00} to a XXXX. They are doing work for me on my deck. I mailed the check on XX/XX/XXXX and it posted as processed by my bank ( Capital One ) on XX/XX/XXXX. On XXXX the XXXX contacted me to follow up on the payment as they had not received the check I mailed on XX/XX/XXXX. On XXXX, I logged into my Checking account to review the transaction since I knew it had posted to my account. I opened up the image of the check and everything on the check had been changed except my wife 's signature. The Pay had been changed to XXXX XXXX XXXX a mobile deposit was made to to the same name XXXX, which I believe is XXXX XXXX XXXX XXXX. I immediately called Capital One to report the check had been stolen, washed and deposited by the person named above on XXXX. I've been contacting my bank every XXXX days since discovering my check had been stolen and the only feedback I continue to get is that they have contacted the bank where the check was deposited and are trying to recover the funds. I desperately need to get this money back and based on the interactions I've had with Capital One it seems like they don't seem to care if I recover the money stolen from me. I don't know what else to do so I'm filing a complaint with CFPM.
Consumer complaint received 2024-05-08
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)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and XXXX all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Employer - 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  Listed below are the Inquiries that are being challenged 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 Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I noticed my school loan account was reporting to all three of my reports. I was able to get it disputed off of XXXX credit reports, which is XXXX XXXX and XXXX. They refused to take it off of Equifax. And if you take it off of XXXX by law, you have to take it off of all. I've called in and requested for them to remove the account for my credit report, even though it's past statue of limitations, they still will not remove it. I've sent them proof that they need to remove it. They still have not removed. I disputed the account. They still have not removed it. I've done everything in my power to try to get this account removed and there's still no progress. So I am coming. to the CFPB to dispute the account that I have. on my credit report. account numbers, # XXXX, # XXXX original Creditor : Us department of Ed XXXX XXXX Transferred to : XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX Reference File # XXXX RE : CEASE AND DESIST To whom it XXXX concern XXXX TRANSWORLD SYSTEMS is a debt collector and XXXX has made it known in the Fair Debt Collection Practices Act ( XXXX XXXX XXXX ) that there is evidence of the use of abusive and unfair debt collection practices by many debt XXXX including XXXX TRANSWORLD SYSTEMS taking action on invading my personal privacy trying to harm my reputation of credit by furnishing such alleged debt to consumer reporting agencies. 
Upon receiving this notice. I demand you to CEASE AND DESIST further communication regarding such alleged debt in which I refuse to pay pursuant to 15 USC 1692c ( c ). XXXX TRANSWORLD SYSTEMS is confirmed an debt collector who failed to comply with the Fair Debt Collection Practice ( 15 USC 1692 ) may be held not only civilly but criminally liable for any damage sustained in your attempt to extort me if you violate the CEASE AND DESIST. 

I DECLARE UNDER PENALTY OF PERJURY UNDER THE LAWS OF THE XXXX THAT FOREGOING IS TRUE AND CORRECT ( XXXX XXXX XXXX ) Thank you XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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