davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with this XXXX XXXX and I have always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX, with all payments set up on Autopay. The reported late payment is due to a systematic error on their part in processing my payment. 

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family. 

I demand that the late payment reported in the specified months be removed. 

XXXXXXXX XXXX is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law.

According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date.

The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date in good faith pursuant to rule 1002, but this proof was never provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

Please remove the late payments from my consumer reports.
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (TX)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-06-19
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)

I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of XXXX XXXX compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and XXXX XXXX data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. 



In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the 2020 XXXXonsumer Reporting Resource Guide ( CRRG ) standards jeopardizes the integrity of dataa matter of grave concern.

Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with XXXX XXXX standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and XXXX XXXX standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that XXXX comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete XXXX XXXX Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

I requested on in XX/XX/2022 that my loans be discharged due to a disqualifying status. The fact is that when I took out the loans I was receiving social security XXXX benefits. I was not producing any income and was encouraged to enroll into a program I had I had no previous experience and have found it difficult to gain employment. This loan should not of been provided and it can not be repaid and has caused undue stress on top of the XXXX that I had when I took out the loan.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2024-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

Here is the timeline : XX/XX/year> Saw LVNV collection filed with XXXX XX/XX/year> Sent letter request proof of validation XX/XX/XXXX Received incomplete validation data letter from LVNV XXXX I sent a cease and desist letter
Consumer complaint received 2024-06-19
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. (MA)

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : 1. XXXX XXXX ACCOUNT # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

Dear Sir/Madam, I utilized the mobile application provided by the company MoneyGram to carry out a money transfer. However, upon realizing the extensive duration the transaction would require, I promptly canceled the transfer. Subsequently, I initiated the internal refund process as per the company 's guidelines. Regrettably, the refund is now overdue by several days, and despite my attempts to contact them, I have received no response nor have I received the refund. I possess an email correspondence wherein their initial response acknowledges the pending refund, inclusive of the specified timelines aligned with their internal policy. 

During my further investigation of this particular company on the internet, I discovered an abundance of individuals reporting grievances such as non-receipt of funds, inquiries regarding the whereabouts of their money, and suspicions of internal fraudulent activities, among others. It appears that there are grave concerns associated with this company, which is regrettably causing financial losses for numerous individuals. 

Considering the extensive reach and utilization of this company 's application by countless individuals, it may be in the best interest of the relevant United States authorities to conduct an investigation into the operations of this company and extend support to individuals, including myself, who feel victimized by what seems to be misappropriation of funds. I am more than willing to provide additional details if required. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

I recently had a settlement arrangement for my Nordstrom account ending in XXXX. We issued all the payment checks from my escrow account with XXXX XXXX XXXX. However, one of the checks was not cashed by Nordstrom, which led to the cancellation of the settlement. We are unsure why this occurred and seek clarification on the matter.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: August Real Estate Investments, LLC (TX)

so i paid my behind mortgage on XX/XX/XXXX after i received a NOI from AUGUS REI. August Realstate I as it shows on my credit.they confirmed they received the check on the phone for XXXX $ on XXXX XX/XX/2023 that would clear all the balance due and fees and make my account current and since it was before the NOI deadline no further action should have been made by the company. but the company kept sending me wrong statements after and ignoring this huge payment. i kept calling couple of times at least 4 times and they said they will process the check and the wrong statements was an error. on one ocasion they said i have not made the payment to them!!! then they checked again and said they received it!!! but nothing happens after 45 days. they sent me a wrong notice of acceleration letter on XXXX XXXX although my account was current at the time ( XXXX XX/XX/2023 ) and i had paid every single balance due for each month as well. they are reporting my account as late to the credit bureau XXXX and damaging my credit as well. i dont know what to do really. i keep calling them but no results. last time i called 4 times in a day and they said that their account department is busy they are going to call back they never called back. i am frustrated. i have paid my balance in full and keep paying the balance every month and they are trying to ignore my XXXX $ check and sell my house illegaly. also they are reporting this account as late wrongfully since and damaging my credit. please help me
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Account # XXXX & Account # XXXX This complaint is a REBUTTAL to a response from XXXX XXXX MANAGEMENT dated XX/XX/year> regarding a dispute on the above accounts & also previous disputes regarding these accounts. 

You've responded to my previous DISPUTE with a statement stating that you have reported accurate information. First of all, I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction or transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX  are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE
Consumer complaint received 2024-06-18
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)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2018-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (KY)

This debt showed up on my credit report about XX/XX/XXXX i have no knowledge of debt contacted debt collector apparently it is a hospital bill from XX/XX/XXXX. 5 years ago. I know i paid this but given the age of debt i now longer have access to insurance claim or fsa records to support my claim
Consumer complaint received 2024-07-01
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. (NJ)

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. 

XXXXXXXX XXXX Account Number XXXX and XXXX XXXX Account Number XXXX has violated my consumer 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 : Also states a consumer reporting agency can not furnish an 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 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NV)

I HAD FINALLY GOTTEN THE ACCOUNT DOWN TO A XXXX BALANCE. I CALLED ON XX/XX/24 TO CLOSE THE ACCOUNT. THE AUTOMATED SYSTEM WOULD NOT LET ME GET THROUGH TO AN ACTUAL PERSON TO DO SO. SO WHEN I STATED I WANTED TO CLOSE THE ACCOUNT, THE AUTOMATED SYSTEM STATED IT COULD DO THAT FOR ME. SO IT ALSO STATED IT WOULD SEND ME A WRITTEN CONFIRMATION LETTER TO THE EMAIL ASSOICATED WITH THAT ACCOUNT, WHICH I HAVE NEVER RECEIVED. I NEED THAT CONFIRMATION LETTER. I HAVE RECEIVED OTHER EMAILS FROM THIS COMPANY SINCE THEN ABOUT SALES, ETC..... I NEED TO MAKE SURE THE SYSTEM CLOSED THE ACCOUNT AS I REQUESTED IT. AND IT SHOULD NOT BE THAT DIFFICULT TO SPEAK TO AN ACTUAL PERSON EVER IN REGARDS TO ANY ACCOUNT ISSUES. IT JUST WOULD NOT LET ME THROUGH TO A PHYSICAL PERSON TO GET THIS DONE. RIDICULOUS, AND FRUSTRATING.
Consumer complaint received 2024-08-24
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (PA)

On XX/XX/year>, I transferred phone service from XXXX XXXX to another provider. XXXX acknowledged the transfer by text on the same date ( attached ). On XX/XX/year>, I received an email bill from XXXX indicating that {$120.00} was owing for service through XX/XX/year> ( attached ). Clearly, XXXX was attempting to charge me for an additional month 's service. I contacted XXXX and requested an itemized copy of the bill for the amount they claimed I owed. Instead of producing the bill, XXXX sent my account to three collection agencies in succession, one of which was Transworld Systems , Inc. ( TSI ). 

On XX/XX/year> I responded to TSI and requested a detailed accounting of the charges XXXX claimed I owed in response to their collection letter ( see attached Certified Mail Service signed by TSI ). When TSI did not respond within thirty days to my request ( a violation of FCRA ) I filed complaint # XXXX with CFPB. By letter dated XX/XX/year>, TSI responded to CFPB that they had closed the matter and that it was their " intent to have no further communication... regarding this matter ( See attached ). CFPB closed the case. 

Now, almost a year later from their initial collection letter, I have received yet another collection letter from TSI concerning the same matter ( see attached TSI collection letter ). 

I do not owe XXXX XXXX yet they continue dunning me through collection agencies. TSI is unable to demonstrate that I owe anything to XXXX, as indicated by their letter dated XX/XX/year> to CFPB. TSI is in violation of FCRA by their willful and knowing non-compliance with the Act by continuing to attempt to collect a debt they have already acknowledged I do not owe by closing their file.
Consumer complaint received 2024-07-01
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. (TX)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.