davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company 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. 

This company 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 2024-08-25
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH)

I had a private student loan that was in default in XXXX. In XXXX, I received a judgement on my credit which I was not informed of prior to it happening. In XXXX, they filed a garnishment against me. I had changed employers and moved so they had not received any payments. I had not heard anything about the debt since XXXX, and then today I received a letter that they filed a lien against my real estate. I looked at the court records and in XXXX they had revived the debt which I had not received any notifications about to dispute it. I looked up the company, XXXX XXXX XXXX XXXX XXXX XXXX and read about the other claims against them recently with court settlements. I am wondering how a company can file these court documents against me without notifying me or try to collect on a debt that is now over the XXXX year statute of limitations for collection from the initial date of default?
Consumer complaint received 2024-05-15
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. (IN)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PR)

I want to dispute several inaccuracies present on my credit report. Upon thorough review, I have identified multiple errors that require immediate correction. 
XXXX. Incorrect Name Listings : XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX XXXX XXXX XXXX Incorrect Date of Birth : Incorrect : XX/XX/1983 Correct : XX/XX/1983 XXXX. Erroneous Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have never resided at any of the above-listed addresses. 
Additionally, I request that my address be updated in your records to reflect the following : XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PR, XXXX Enclosed are copies of documents supporting my correct name, date of birth, and current address. 

Per the Fair Credit Reporting Act, I kindly request that you investigate these discrepancies promptly and take the necessary steps to rectify them. Furthermore, I ask for written confirmation of the actions taken to address these errors, as well as an updated copy of my credit report reflecting the corrections made. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-15
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am dealing with USAA bank overdrafting my account multiple times relating to my USAA auto insurance policy and now I am being charged premiums for a car that has been totaled for over XXXX months now I have been paying and XX/XX/23 was my last attempt to resolve this without legal action. I have spoken with the bank and explained that I am XXXX veteran and how frustrating it is for me to have to learn the complexities of bank jargon to defend myself from these ridiculous premiums and fees. I have utilized the app XXXX to recover some of my funds but it's ultimately me dealing with the abusive practices. I don't understand how my bank and this insurance branch are doing this to my account. I have called XXXX times to have to changed and each time I feel like I am fighting a marketing ninja trying to sell me something I didn't even call about. Thank you for your time and any help you can offer to assist.
Consumer complaint received 2024-05-02
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. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-02
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. (AL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
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. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you mv identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies and you continue to validate it without providing the information I have requested. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements. Delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) For the purpose of validation provide me with : The name and address of the original creditor, he original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, the original balance, the current balance, any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) and Texas Surety bond information as required by Sec. 392.101. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. I request immediate notification by mail if this alleged debt is sold or transerred per Sec. 392.301 ( a ) ( 4 ). Please note I am fully prepared to pursue my rights for the harm this innacuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. I emphatically suggest you get your files in order as I am a litigeous consumer.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have placed multiple disputes with Experian from calling to online and have yet to get a update. They are not reporting correctly and I have provided all info in order to have negative items removed. I advise they do it in a timely manner after this formal complaint or I will consult legal counsel. Attached is all documentation.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I opened my Citibank account on XX/XX/2023. They blocked my account on XX/XX/2023. I opened a Citibank account because my wife has Citibank and wanted the convenience of having the same bank. I used my XXXX XXXX XXXX  from them and maybe that triggered a fraud warning, but unsure. They told me I would be mailed a check with my balance within 30 days and wouldnt be allowed to use my account. Its been over 8 months and Ive received no check and every time I call I get the run around or hung up by the service agents.
Consumer complaint received 2024-05-02
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. (GA)

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. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : CXXXX XXXX XXXX  Account XXXX : has violated my rights. Or a list of inquiries : 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 2023-08-29
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts and inaccurate address which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts and inaccurate address which is found to be opened due to identity theft. The dispute accounts and inaccurate address do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts and inaccurate address.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  Balance : {$1100.00}
Consumer complaint received 2024-05-14
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. (MO)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Grow Credit Inc (LA)

I got a warning to my phone from XXXX I put in a report they said it's accurate and it's a lie to XXXX XXXX XXXXXXXX in California I have never request a loan company don't answer phone. It's a XXXX loan. I promise I never borrowed no money
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Someone keeps opening Bank of America ( BofA ) checkings accounts using my name, SSN, email, and home address. 

On XX/XX/2023 -- I received an email confirmation from BofA about a new Advantage SafeBalance Banking Account being activated. I did not open this account. I called the BofA fraud line and using my name & SSN, the agent was able to locate and close the account. 

On XX/XX/2023 -- I received another email about a new Advantage SafeBalance Banking Account being activated, but this time addressed to a " XXXX XXXX '' instead of my name. 

On XX/XX/2023 -- I received mail with a debit card from BofA for yet another account ( based on the last 4 digits, not one I got an email for ) that I did not open, using my name and home address. 

BofA has not responded to or helped with the incidents on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-08-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (AZ)

Company Name : Radius Global Solutions LLC Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Complaint : Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Radius Global Solutions LLC regarding their handling of a debt that they claim I owe. I was not given any notification of this debt, nor did I receive any certified letter advising me of my right to dispute the debt. I believe that Radius Global Solutions has violated several consumer protection laws in their collection practices. Details of the Complaint : 1. Failure to Provide Notice of Debt : - According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to send the consumer a written notice within five days after the initial communication, detailing the amount of the debt, the name of the creditor, and a statement of the consumer 's right to dispute the debt within 30 days. I did not receive such a notice from Radius Global Solutions 2. Violation of Fair Debt Collection Practices Act ( FDCPA ) : - Radius Global Solutions has failed to comply with the FDCPA by not providing me with a certified letter informing me of my right to dispute the debt. This is a direct violation of my rights under the FDCPA.

3. Possible Violations of the Fair Credit Reporting Act ( FCRA ) : - The FCRA, 15 U.S.C. 1681, mandates that debt collectors must report accurate information to credit reporting agencies. Since I was not aware of this debt and was not given an opportunity to dispute it, any negative reporting by Radius Global Solutions on my credit report would be inaccurate and a violation of the FCRA.

4. Violation of the Fair Credit Billing Act ( FCBA ) : - The FCBA, 15 U.S.C. 1666, ensures the right of consumers to dispute billing errors, including unauthorized charges. Without proper notification of the debt, I was deprived of my right to dispute the debt under the FCBA.

Relevant Lawsuits : - Radius Global Solutions has faced several lawsuits for similar violations. For instance, in " Smith v. Radius Global Solutions LLC, '' the plaintiff alleged that Radius Global Solutions failed to provide proper validation of debt and engaged in unlawful collection practices. This case, among others, highlights a pattern of behavior that violates consumer rights and supports my complaint.
Consumer complaint received 2023-05-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.