davidheineman/consumer-finance-complaints-large huggingface dataset:
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 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. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-12
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)

XXXX XXXX XXXX account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XX/XX/year> and XX/XX/year> 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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-12
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: EQUIFAX, INC. (TX)

I was involved in several data breeches in the recent months including XXXX XXXX XXXX XXXX XXXX and had all of my personal information posted on the dark web. I have several hard inquiries that I did not authorize, have disputed them and they were not removed. The fraudulent inquiries are as follows : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
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. (TX)

Per my last complaint, the companies involved did not adhere to my legal request of providing me with thorough evidence of a proper and legal investigation with proof of validation of my accused ownership to said accounts, in which if they couldn't provide were to be deleted immediately.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I applied for a Citi XXXX Card in XX/XX/2019 ( don't remember exact date ) with a promotional offer to spend {$4000.00} in first 90 days and receive XXXX reward points. Initial card was never received ( sent via USPS ). I called to report that it wasn't received after about 3 weeks. A new card was issued with assurances that the promotional 90 day period didn't start until the card is activated. I asked at the time for them to send me the card via expedited service to guarantee delivery, they would not. 

I never received the 2nd card. After about 3 weeks I called back and was told to wait a bit longer. I called back within a week or 2 and told them to just cancel the card as there was obviously some issue with their delivery capabilities and I was uncomfortable with a credit card being lost in the mail again. The rep on the phone would not let me cancel my card, elevated my issue to someone more senior, who essentially convinced me to not cancel ; told me he would expedite the card to me and promised that the promotional period for rewards wouldn't start until activation. 

The first recorded transaction on the card was XX/XX/XXXX - I am certain I used the card within a day or 2 of receiving. At this point ( XX/XX/2019 ) I have spent and repaid well over {$4000.00} in the first 90 days ( I never carry a revolving balance on my cards ) and have been told by Citi that my promotional period ended XX/XX/XXXX ( driven presumably by my initial application/approval date ) and that I did not qualify for the bonus. 

I feel like Citi lacks cohesion in their customer service and this feels relatively predatory to me. They wouldn't let me cancel in hopes that I would rack up a large bill and still failed/refused to honor their promotion after the many assurances I received. What's more, they never offer case numbers or dispute numbers that you can reference for future calls, so it's impossible to tell if there's any record of the customer service events that have occurred. 

I have also spent a very long time on the phone with various agents throughout the course of the issues with my cards and that is very frustrating. CITI does not have an email address through which I can produce a written record of the complaint, and there are no inbound numbers to call other than 1st line customer service.
Consumer complaint received 2024-06-12
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. (TN)

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 informationisinaccurate.
Consumer complaint received 2024-06-12
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (ME)

XXXX XXXX XXXX took over a debt that I had with XXXX XXXX. When the debt was with XXXX the amount was {$80.00} and now they are saying that I owe them {$350.00}. When asked to send any information they had on the debt including amounts and dates I was told that they do not have to do that and I am responsible for paying the amount in full. I was able to get the account removed from my XXXX report but now they have posted it on Experian and XXXX. When disputed through Experian they said the debt was again valid and it would not be removed from my report but will not provide the documentation to validate the debt.
Consumer complaint received 2024-06-12
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)

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, has violated my 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 : It 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I Requested a thorough investigation to verify accuracy of information being reported for the accounts XXXX and XXXX. I sent the letters certified mail asking that all information be VERIFIED to be ACCURATE. I was told that the information was VERFIED to be correct.

Both companies are reporting address on the accounts that do not belong to me
Consumer complaint received 2021-10-18
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My home loan was sold to Carrington Mortgage Services in XX/XX/2021 from XXXX XXXX. I have not missed any payments or deferred any payments. Carrington has recently started reporting to the credit bureau that my payments are late. I have asked for a copy of my contract with them as I do not recall signing one and for an explanation for the late reporting. My payment history with Carrington does not show any late charges or late payments however it's reporting as late to the bureaus which is causing me issues with refinancing and lowering my credit scores. I have attached my payment history. This is VA loan.
Consumer complaint received 2024-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I sent a message on the Mohela portal on XXXX and XXXX of 2024 requesting 3 months of payment history from XXXX through XXXX 2024. I need this information as I get a reimbursement from my XXXX XXXX I work with. Since I do not make much money, and the company only reimburses quarterly, I need these statements ASAP. Despite these messages, Mohela only responded that it would take 60-90 days for my payment history to transition from the old system to the new platform. This is unacceptable. My account has already transferred and I was able to make a new payment on the account. However, Mohela refuses to give me this simple information. This is not fair. I need this money. I need help ASAP. Thank you.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXX - XXXX was never late! I have had exceptional payment history withXX/XX/XXXXand 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 me 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 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. 


XX/XX/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 2024-08-08
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: EQUIFAX, INC. (FL)

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (TX)

XXXX I submitted a complaint on XXXX for Discover Financial Services. After I submitted the complaint I received correspondence from XXXX on XXXX. This letter explained that XXXX XXXX was looking into my concerns. It also explained that if I have any questions or need to provide additional information to call him at ( XXXX ) XXXX. 
I have called and called to talk to XXXX just like his letter told me but to no advance on my end I have yet to even speak to XXXX XXXX. I have left message after message with my name number an reason for the call.
Consumer complaint received 2024-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

I cant log into the old Mohela site. It wont allow me to log into the new one either. When you call they put you on hold for hours and hang up on you. Ive been trying to contact them for XXXX months with no response
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was a victim of identity theft i filed the necessary disputes along with my FTC report and Police report and had the fraudulent accounts removed in XXXX XXXX, 2024. XXXX of the accounts ( XXXX XXXX ) was reinserted on XX/XX/scrub> 2024. According to the FCRA section 611 credit reporting agencies are required to send a reinsertion letter not later than XXXX business days after the date of reinsertion. This letter should contain proof the furnisher certified the information as accurate and documentation of the business name and address of any furnisher of information contacted and the telephone number of such furnisher or any furnisher of information that contacted you in connection with such information. No such letter was sent to me in accordance with the FCRA. Please delete this account from my consumer report immediately.
Consumer complaint received 2024-06-11
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-22
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: C/C Financial (TX)

I'm greatly distressed by the negative rating on my account and its severe impact on my creditworthiness. This derogatory mark has already led to a loan denial and higher interest rates on my existing credit accounts. The financial and emotional toll this is taking on me is substantial and will persist until this matter is resolved.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.