davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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: Experian Information Solutions Inc. (MS)

On XX/XX/ I mailed XXXX XXXX XXXX a Cease & Desist Notice Certified Mail Number : XXXX XXXX XXXX XXXX XXXX XXXX  This letter was delivered to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I demanded cease and desist of this activity as soon as possible within 15 days from their receipt of this notice. Today is XXXX XXXX XXXX  and I have not received any correspondence back from XXXX XXXX This information is still reporting on my consumer credit profile. 

THIS GROUNDS FOR REMOVAL. I HAVE NOT DONE ANY BUSINESS WITH XXXX XXXX  NOR DID I GIVE THEM PERMISSION TO HAVE MY INFORMATION. THIS IS IDENTITY THEFT. THEY ARE DAMAGING MY CREDIT PROFILE. FDCPA FALSE MISLEADING INFORMATION. A COLLECTION ACCOUNT CAN NOT CARRY A BALANCE.
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-16
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. (NM)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC-1681 Section 602, states I have the right to privacy 15 USC 1681 Section 604A Section 2 it also states the consumer reporting agency can not furbish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer credit card as late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Payment Status XXXX days late
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX Ca. XXXX on XX/XX/XXXX, I got a letter from Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX XXXX Diversified continue to call us from XXXX This letter was a collection Bill for {$220.00} Creditor XXXX I called the Diversified collection company the 2 times since they continued to call, and explain that I never had XXXX phone Service and I never lived at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca XXXX. I was told not to worry about it but they continue to call. 

We than call XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXXXXXX and fraud department XXXX with the same response. 
We will fix it but we dont know when. 
My credit score drop 20 point and we can not get them to fix it, this account is not mine
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-06-13
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 sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My mom passed away and as i was securing nancing to lay here to rest, i was alerted to accounts being on my credit report that didn't belong to me, XXXX XXXX XXXX, XXXX XXXXXXXX, these accounts are severely impacting my credit me for helping laying my mom to rest
Consumer complaint received 2019-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (MI)

I have been contacted several times a day about a closed / discharged debt. 
XX/XX/XXXX they contacted me via my work number. I notified them that I can not take personal calls at this number. Shortly after, they called my bosses cell phone #. 
Today ( XX/XX/XXXX ) I was contacted again on my work number after asking them not to.
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (MD)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

On XX/XX/year>, I settled a debt with XXXX. As agreed upon and per their policy on their website, the account was to be deleted from all credit reporting agencies. The account was indeed deleted ; however, as of XX/XX/year>, XXXX reported the debt again. It is currently showing on Equifax as a collection account. 

By reporting this debt after it was settled and agreed to be deleted, XXXX may be violating the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting of credit information. Under the FCRA, reporting incorrect or outdated information can lead to legal consequences. Additionally, XXXX 's actions might constitute a breach of contract, given their initial agreement to delete the account after settlement.
Consumer complaint received 2019-07-03
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: Experian Information Solutions Inc. (GA)

There are several accounts reporting on my credit file that is reporting either in error or as a result of identity theft. Please assist me in getting the following accounts removed from my credit file : XXXX XXXX XXXX - {$5400.00} XXXX XXXX - {$0.00} XXXX XXXX/XXXX XXXX - {$140.00}
Consumer complaint received 2024-06-13
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)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings.

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-16
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)

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 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (MO)

In XXXX of XXXX I called Navy Federal about both of my accounts and how I couldn't make a payment. They informed me that my ACH account was suspended due to a fraudulent activity. I tried to rectify this situation with them and spend hours on the phone with them being transferred and told the problem was resolved and I could make payments. I was sent out to XXXX, and XXXX XXXX for training in XXXX of XXXX. I tried to make payments from a computer but couldn't make them due to my ACH payment method still being suspended. My spouse tried to call in and make payments but due to her not being on the account they ask for the account holder to call. I had to I returned to my home in the states on XX/XX/XXXX, called them to make a payment which I have already done.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX stole money and embezzled it to their profit. They knowingly did so repeatedly from about XX/XX/2023. They falsely fraudulently and deliberately report late status on my credit file. They do this to harm me. They refuse to remove. They stole money from the check XXXX offered to return ALL money under the contract terms to cancel this fraudulently induced loan. They know they stole and embezzled the money to appear like a XXXX payment was made when it was not. Despite this criminal activity they double double and commit more crimes by claiming I have XXXX months of late status. If they stole a payment for XXXX then the first day this fraudulently induced loan was late is the XXXXXXXX XXXX XXXXXXXX. The fraud loan was allegedly sold back to the original criminals who fraudulently induced me into this contract. Enclosed find alleged transfer in legally required doc. It could be fraud who knows. They still have not transfered the debt and continue to increase amount due on my loan portal so there is reason to find the transfer letter is fraud fake and more lies from a criminal. Anyway there can be NO LATE PAYMENT PUBLICATION ON MY CREDIT BUREAU FILE BECAUSE if the first day it was late is XX/XX/XXXX then it is not 30 days late until XX/XX/XXXX. But this co doesnt care about facts it just wants to hurt oppress and defraud borrowers.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NEW YORK COMMUNITY BANCORP INC (NM)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC-1681 Section 602, states I have the right to privacy 15 USC 1681 Section 604A Section 2 it also states the consumer reporting agency can not furbish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer credit card as late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Payment Status XXXX days late
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2023-03-11
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: EQUIFAX, INC. ()

This situation occurs when I went to get my car approval, they pull up my credit record and it shows that my information is being mismatched with the same name person. I contact with Equifax and XXXX XXXX about this problem, I send them my documents whatever they required. I submit my dispute on XX/XX/2023 and its been over a month and still on progress on my dispute. I called them several time their representative told me that my file is still in progress and some of them said its done wait for the confirmation. According to there guidelines the dispute take 5-20 days. I call them and they keep telling me its done you will get the confirmation in next 48 hours, i heard this thing 2-3 times from them but still no any confirmation. My information is still incorrect, I still have someones student loan on my name, my address is wrong, my social insurance number is wrong. My whole credit file is incorrect and they didnt even touch my file yet. Why they keep their customers to wait for this much time, if they cant solve the problem in that particular time why dont they change their guidelines.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Dear XXXX, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-16
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 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 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
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: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2019-07-04
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: EQUIFAX, INC. (FL)

XX/XX/2011 I was a part of the XXXX Database breach. I received a urgent message saying it was time for me to change my password, threw my play station. I quickly changed my password and continued to play my game. Later on that month I received a letter from XXXX saying the company had a breach in the network and I was affected. At the time I did not know what that meant but I filed a incident report. Now I have accounts reporting on my credit report that doesn't belong to me.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My account with ( 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 ) was never late! I have had exceptional payment history witH 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

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


( 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 ) 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