davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute against XXXX XXXX XXXX on my credit report because they showed an inaccurate late payment after I had closed my account and paid in full. They also mailed me a letter that stated my account was closed in good standing, which I submitted with the dispute to TransUnion on XX/XX/19 on their online reporting page. It said submitted for manual processing. I also mailed in the supporting letter and supplied the file number and information in case there was a problem with the upload. I never got any response. I then call after the 30 day period to check on it and the dispute line said they saw no submission and they could not see information on the online site for disputes. They sent me to the online number and they said they saw nothing wrong all the information is there and sent back to dispute line and still nothing. I asked for a supervisor and they said none were available and they couldnt do anything else but submit another dispute so they were suppose to and send a confirmation email, but I never received a confirmation. I had no problems with XXXX or XXXX with online dispute, it actually took three days from submitting for the inaccuracies to be fixed. I am not sure how to get this fixed if TransUnion doesnt have a process for disputes that gets followed through.
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-27
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)

My account with XXXX XXXX. XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX. 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 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 that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX. XXXX XXXX XXXX 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 2024-05-30
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. (AK)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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 2024-05-30
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. (NJ)

Earlier this year I took an overall look at my consumer report and noticed information and several accounts that doesn't belong to me. In XXXX I then notified Equifax regarding the information that's being reported asking them to do an investigation. They replied that the information listed in my dispute letter was verified accurate in which they're not. In accordance of 15 U.S. Code 1681- Congressional findings and statement of purpose, Equifax must report accurate information to my consumer report. I am aware that anything that is either inaccurate or unverifiable must be removed from a consumer 's report immediately. When I asked Equifax to investigate the information I asked them to include any documentation with my signatures or agreements to authorize them to report in which they failed to send me any form of verification. I also reached out to the creditors asking them to verify any debt in which they haven't. By them reporting these inaccurate accounts my credit score is being negatively impacted impairing my ability to obtain relationships with any potential lenders or housing situations needed for the daily living. The creditors have been calling my phone constantly seeking a debt that doesn't belong to me which i'm aware is against the law pursuant 15 U.S. Code 1692c - Communication in connection with debt collection.

Violations committed by Equifax & the credit bureaus 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
Consumer complaint received 2024-05-30
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. (AK)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MN)

Formal Complaint Regarding Unauthorized Auto Withdrawal by Aidvantage I am writing to formally lodge a complaint regarding an unauthorized auto withdrawal from my bank account for my student loan payment. This incident occurred in the context of the recent restart of student loan payments mandated by the government. 

After the government restarted student loan payments in XXXX, I noticed that Aidvantage had automatically withdrawn a payment from my bank account on XX/XX/year> without my prior authorization. Given the changes and uncertainties surrounding the resumption of student loan payments, I had not opted into auto payments nor had I provided any recent authorization for such a transaction. 

This unauthorized withdrawal has caused significant inconvenience and disruption to my financial planning. As a result, I have incurred unexpected overdraft fees and have had to rearrange my budget to accommodate this unforeseen expense. 

I request an immediate investigation into this matter and a prompt resolution. And did not receive a reply I trust that Aidvantage will be reprimanded of this matter with the urgency and seriousness it warrants. Please confirm receipt of this complaint and provide a timeline for resolution. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-30
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-30
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. (NC)

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. 

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-05-30
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (KY)

I recently signed up for PayPal Credit and within days they started reporting that my account was being hacked, they asked me not to use the account, they kept emailing me and reminding me of my payment, sent letters on how to pay my bill and sent me a monthly payment statement. They couldn't even tell me if they had received my payment when I called them. They eventually returned my payment because they said they couldn't find my account. Apparently, you have to have your account number on the payment, or some other reason, even though I sent them the account information they provided me. They don't post your account number online in your account, ( they send the last 4 numbers on the statement ) or denote it as a mandate in the payment instructions. You have to call them up and ask for it. So - now I'm having to fight with them to force them to take my payment. I asked them if they wanted me to send them the product I bought, and they said that they didn't because they were a lending institution. Apparently, they have about 20 reasons why they won't accept your payment. They probably make more money from this kind of fraudulent credit reporting than they do banking. I called PayPal and asked them if I could just pay the entire purchase off on the third since the payment was late because of their error and because they returned my payment to me. They said they would agree to that. PayPal should be better regulated, and they should also create friendlier consumer policies. Now they're reporting my payment as late. I don't know what kind of scam they're running but now they're publicly slandering me and trying to destroy my credit rating. PayPal has raised my bill amount to XXXX from XXXX. They should be forced to pay me XXXX dollars for slander and bad faith. I'll send them the XXXX right on XX/XX/year> as agreed.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX XXXX ATM failed to disperse cash, I captured image of error on ATM, and reciept from ATM, reciept clearly indicated transaction denied, also talked to ATM video help people, XXXX XXXX XXXX, manager closed ATM lane with orange cone and they both told me to report it it the bank, I also called police and for an incident number, provided all photos and incident number to USAA through their App and they closed the first investigation saying there was no error, I called back and talked to them l, told them all I had they re-opened the investigation, I requests documentation or reports but they didn't provide any details just the same letter that they concluded there was no error but provided no documentation. The reopened investigation ended the same way so I am reporting USAA to CFPB
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
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. (CA)

I am XXXX XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate. 

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate. 


As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, we had 2 representatives from Home Depot come to our home to give us a quote for cabinet refacing. After about 2 hours of picking colors and design, they gave us a quote for {$27000.00}. They also told us that we can call Citi and let them know we are doing a project at our home to have our credit line increased to take advantage of the 2 year 0 % interest. In XXXX, we opened a Home Depot credit card that extended {$8000.00} credit line, we requested an increase to {$28000.00} which was declined. We called and spoke to several representatives and none of them would allow the increase. After researching online, this seems to be a repetitive practice of Citi and Home Depot. The sales rep and his manager claimed they very rarely have anyone denied for the increase. Our credit score is XXXX, household income of over {$300000.00} and {$50000.00} in savings. We have more than enough money to pay in cash for the project, but with 2 years at 0 % interest, we want to keep the money in our money market account. My husband and I are both in lending, been in our home for 15 years and on our jobs for over 4 years. After asking multiple representatives at Citi what the real reason was for the decline, they said that we would get a letter. This is unfair lending in every aspect. 

The reasons for the denial are completely inaccurate. All of our revolving debt is under 30 % in comparison to the balance. Most of the revolving cards don't carry balances. When asked about the additional denial reasons : length of time accounts have been established, too many accounts with balances and time since opening most recent account opening is too short. We asked how long accounts need to be established, how many accounts can we have open with balances and how much time we need since opening the most recent account, the Citi representative said they could not give answers to those to consumers. I asked why they couldn't and the representative said that if they told me that, everyone could get approved for no interest credit and they would go out of business. So, long story short, Citi offers a Home Depot store card at 0 % interest, but will not tell you their guidelines for obtaining the offer and therefore engages in deceptive lending practices.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I wrote to the XXXX bankruptcy court on XX/XX/year> seeking confirmation about the reported bankruptcy, and received a letter dated on XX/XX/year> stating they do NOT furnish any consumer data to XXXX or other credit entities. 

I also sent 3 dispute letters to XXXX citing the inaccuracy and requesting investigation/removal based on the court 's response. Plus asking for information that they have they sent me a letter back with another name on the bankrupcy that is not mine also. I sent notrized affidavits also. 

I also sent XXXX a letter documentation of contacting XXXX directly inquiring about their records, but received no response. 

XXXX responded claiming the information came from XXXX, despite XXXX XXXX failure to validate or deny the report to you directly as the natural person creditor. 
XXXX has not properly fulfilled their duties to investigate under the FCRA nor removed the false information, despite being unable to verify the third party source that supposedly reported it.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I recently discovered that my creditor failed to provide the requiredXX/XX/XXXX-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees. 

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue. 

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the XXXX-day notice requirement, not my negligence.