davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
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. (OK)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-05-30
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)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable XXXX. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I always make my payments on time and am certain of this. What confuses me is why this company is reporting late payments for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be corrected, or else the company owes me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-08-13
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. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2018-04-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

ON XX/XX/XXXX, I FINANCED A VEHICLE FROM A NOW CLOSED AUTO DEALERSHIP NAMED XXXX LOCATED IN XXXX, FL. THE VEHICLE, A XXXX XXXX XXXX PRICED AT ROUGHLY {$16000.00}. I SAT WITH AN AGENT, DISCUSSED THE TERMS AND FINALLY CAME UP WITH A PAYMENT AMOUNT THAT INCLUDED GAP INSURANCE AT ROUGHLY {$430.00} PER MONTH FOR 72 MONTHS TOTALING TO {$30.00}, XXXX ROUGHLY WITH AN INTEREST RATE OF OVER 20 %. FROM XX/XX/XXXX-XX/XX/XXXX I MADE ON TIME PAYMENTS TO THIS BANK FOR THE VEHICLE. ON XX/XX/XXXX I WAS REAR ENDED BY ANOTHER VEHICLE CAUSING MY VEHICLE TO BE DECLARED A TOTAL LOSS. WITHIN THE NEXT FEW MONTHS, BY XX/XX/XXXX, THE VEHICLE WAS ASSESSED BY THE INSURANCE COMPANY AND VALUED AT ROUGHLY {$15000.00} AND THE PAYMENT WAS MADE TO THE BANK. FROM, THERE MY GAP INSURANCE WAS DUE TO PICK UP THE REMAINDER AMOUNT OF THE LOAN IF ANY. FROM XX/XX/XXXX - CURRENTLY, SANTANDER CONSUMER IS REPORTING A PAST DUE AMOUNT ON THE VEHICLE WHEN INDEED FOR A FACT THIS VEHICLE WAS PURCHASED WITH GAP INSURANCE TO COVER. THE PAST DUE AMOUNTS HAVE FLUCTUATED PREVIOUSLY ON CREDIT REPORTS FROM {$6700.00} DOWN TO {$5900.00}. THIS COMPANY HAS BEEN REPORTING INACCURACIES AND HAS BEEN VERY HARMFUL TO MY CREDIT STANDING. THIS VEHICLE SHOWS AS A REPOSSESSION TO CREDITORS AND IT IS NOT!
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I noticed an error in my credit report. I notified the credit card company XXXX XXXX XXXX ) via phone call. I asked them why they reported a late payment on my account. The operator stated there was no late payment on record. However, it shows up on my credit report. I was then passed on to another person at another department who tried to tell me that instead of using my current account to pay my bill, I was using a different account that was not valid. ( This statement is not true ). 
When I first received a credit card from XXXX XXXX, I attempted to set up autopay which would not work, and I had to call XXXX to set up AUTOPAY because it was obvious that the website had technical issues. 
According to the Fair Credit Reporting Act Mistakes must be removed according to FCRA rules. 
The agent stated that no LATE PAYMENT was on my file. Yet they reported a LATE PAYMENT to the credit bureaus and refused to remove the statement made to the CRA even though it is not in my file that I have a late payment issue.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX FL XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX / XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX XXXX Balance : {$81.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$970.00} XXXX XXXX XXXX Balance : {$81.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-05-18
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. (IL)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2019-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

On or about XX/XX/19 made a payment which made my Loan to Value ratio 78 %. The significance of this means that the PMI should come off of my payments moving forward. I have sent several emails to the company and they refuse to acknowledge me, leaving the PMI still on my upcoming payment.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2018-04-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CONGRESS COLLECTION CORP (MI)

This medical bill was place into collection prior to me even having the chance to submit my medial insurance. Once I still tried to have my insurance added they denied me the opportunity. 

After the bill was placed into collections in XX/XX/2017I received phone calls at all hours of the day and night. I even heard a representative speaking negatively about me and my medical situation after she thought that she hung up the phone. I was very offended and took it very personally that I was being treated with so much disrespect. 

I have sent paid the entire bill off and would just like the collection completely removed from all 3 credit agencies.
Consumer complaint received 2023-09-15
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. (AZ)

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.

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 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I always make my payments on time and am certain of this. What confuses me is why this company is reporting late payments for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be corrected, or else the company owes me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hi This is my third time filing a complaint against Bank of America! they owe me money they messed up my account my car got repoed because of what they did they took money from me several times.. and told me that they could not credit my account due to the funds that disappeared was a ghost transaction! whatever that meant. I called daily to resolve this issue asking them how did all of my money disappear from my account? I was told i used it.. before it posted! which i knew was a lie. it was mysterious to myself. and i didn't understand it at all.. this started back on XX/XX/2023 and my account never got solved. i kept calling and also going to the XXXX Texas Branch to speak with Managers only to find out that my account had been closed due to it being a Risk account. I didn't understand why they would close my account without at least giving me back my money. The Manager XXXX ask me did i not receive a check? I told her No I did not receive anything. Then I ask her why did they do that to me instead of just resolving the issue? I was told by here that Bank of America has done this to people that had been with them as long as i had with no warning.. they would just receive a letter stating that the account had been closed.. because they had decided not to do business with that Individual anymore!.. I was with bank of america on and off for 24 yrs.. and i never understood why my account was always low after depositing large amounts and would have to figure out how to pay my bills after i had just put money in my account and being told that they money was already used and that once the money posted that it all went to whom ever i paid or whatever i spent. I am in XXXX because of this.. i have lost my car XX/XX/XXXX because the money i paid for my car bank of america claim i disputed my car note back three months alone with bills and other things that i had to pay triple too.. i made a few reports to you all.. and nothing happen.. i am asking that you all please help me.I am a Grandmother of XXXX children and has now taken on a XXXX that was abandon by a family member and this is not right.. for everyone that this has happen too.. this is wrong.. not to mention they just sent me a letter in the mail asking me to reconcile my account starting out with {$8.00} yes you read that correct {$8.00} i am livid and i have been in deep XXXX since this happen to me! i can only imagine how many people this has happen too. I HAD two accounts with Bank Of America the one i entered the info and the other one i can't remember the account number but it ended in XXXX the one that I have on your page is the one that i found
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

I first called on XX/XX/23 to close a chase freedom credit card account with Chase Bank. I no longer needed the card, and wanted to transfer my credit line and rewards balance to another chase credit card which was already opened and activated. Due to a " glitch '' in their security software Chase customer service is unable to access my account. They have asked me to call back in 24-48 hours so their system can reset. I have called back 5 times now over the past 2 weeks, each time with the same response from Chase. I am curently locked out of all customer service functions for my credit cards. I can not close my account, transfer credit, use rewards, update preferences, etc. This has been the case for nearly two weeks and after approximately 8 hours of time on the phone. I am seeking help so that I can close this credit card and regain access to my account.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc. (AZ)

The credit bureaus reported on XX/XX/XXXX, via phone, they last received an update from Sezzle on or around XXXX and no updates since. On XX/XX/XXXX, I reached out to Sezzle to inquire about my credit reporting and the last date the reporting was sent. They initially provided a canned response telling me they report monthly and directed me to their website to review the same information. I reiterated that I was seeking a specific date on when the reporting was last sent but the chat agent was unable to provide one and stated they had to escalate to someone who would send me an email. I have yet to receive that email.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2022-12-06
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. (PA)

I am writing to delete incorrect information from my credit file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted immediately to correct my file. I reported the theft to the federal trade commission. I also have enclosed a copy of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.
Consumer complaint received 2024-05-17
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. (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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
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. (GA)

I was trying to buy a house and I realized that I had damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my report. It's a defamation of my character.
Consumer complaint received 2024-08-14
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)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2024-05-17
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. (CT)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-08-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (MO)

This was a dispute with XXXX XXXX. I went to have a XXXX  put in and provided all my insurance information and they did a full review and provided me with my portion of the procedure, which I paid immediately. The entire procedure took about 45 days. After everything was complete, they stated I owed {$670.00}. I told then they had every opportunity to make the unverified amount prior to the procedure being started, after they contacted my insurance and determined what was going to be covered. 
They have tried to make this collection with at least 5 other companies, all of which denied to move forward with the collection attempt based on my feedback to them. 
The current collection agent, Wakefield & Associates made no attempt to contact me prior to adding the collection account to my credit report. If they would have done their due diligence, they would know this collection attempt is not a valid one