davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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. (AZ)

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2024-05-20
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. (MI)

There are accounts that are older than 7 years and should be removed. There are also accounts that have been charged off ; however I did not receive 1099-C cancellation of debt forms for any of the mentioned accounts. Which means now this information is inaccurate on my report and needs to be removed. I am also seeking monetary relief for these errors most importantly this has harmed my chances of obtaining personal and business credit to provide for my newborn. These accounts have been affecting my report for over a year. 15 U.S.C1681 section 602 A. states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish an account without my written instructions. I have not given written consent to this company. 

The accounts that legally should be removed are : XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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 am submitting this follow-up regarding the ongoing reinvestigation. I disagree with your findings and am requesting complete accuracy. I am not convinced that sufficient effort was made to thoroughly contact the creditors reporting this information on my report. Therefore, I am asking for further details regarding the following accounts in question : Equifax : XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXXXX Balance Owed : {$1900.00}
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MD)

My new student loan service provider, Aidvantage, changed my repayment plan without my consent. I did not want to enroll in the XXXX plan, and wanted to stay in the standard plan. My online portal says that in order to change this, I need to contact customer service and can not make that change online. 

I have repeatedly tried to contact this company. I have tried to call them six times over 3 weeks, and have been on hold for more than XXXX hours each time, with no estimated wait times, or ways to schedule a call back. Their online chat feature says " we are experiencing longer wait times than usual and this feature is unavailable at this time ''. I have also created two separate support tickets two weeks apart. Their automated response says " someone will reach out in 2 business days '', but there is no response. 

I have searched on XXXX, and there are dozens of people saying they have the same experience, and can not reach anyone ; being hold on the phone for hours without a response. No calls, no emails, no chat, no way to change my plan.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am submitting this present complaint to follow up addressing the fraudulent items listed below that are currently appearing on my credit report, which is a violation of federal law. Again, I appreciate that some of these items have been removed from my credit file, but upon reviewing my updated credit report, I noticed that several fraudulent entries still persist. Under the provisions of the Fair Credit Reporting Act, specifically 15 USC sections 1681, it is mandated that the listed items in the ID Theft report be promptly removed within the legally stipulated timeframe. The continued reporting of inaccurate information is adversely impacting my credit standing. Below is a summary of the fraudulent items that are still present on my report : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX.
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc (PA)

This is a duplicate Debt Collector XXXX XXXX referred, the first one XXXX XXXX deleted it from my Credit Report once I showed proof of payment through by bank. 


In XX/XX/XXXX I signed up with Telephone/Internet/TV with Service Provider Name : ( XXXX XXXX ) also made a Security Deposit of at least {$150.00} which was never returned, I also contacted XXXX by telephone to discontinue service end of XX/XX/XXXX, because I was moving and also paid by bill of XXXX, XXXX which I should have received an Refund!
Consumer complaint received 2024-05-20
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)

Complaint Regarding Violation of My Consumer Rights Under 15 USC 1681 I am writing to formally raise a complaint regarding the violation of my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ). The following accounts on my Equifax credit report have breached these rights : XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX ( CLOSED ) # XXXX XXXX XXXX ( CLOSED ) # XXXX XXXX  ( CLOSED ) # XXXX XXXX ( CLOSED ) # XXXX XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX # XXXX XXXX XXXX XXXX XXXX ( CLOSED ) # XXXX XXXX XXXX XXXX ( CLOSED ) # XXXX XXXX XXXX XXXX XXXX  ( CLOSED ) # XXXX Upon reviewing my Equifax credit report on XX/XX/year>, I identified several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported ( 15 USC 1681e ( b ) ).

Additionally, as outlined in 15 USC 1681i ( a ) ( 5 ), the FCRA mandates that if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must : Promptly delete or modify the item of information as appropriate based on the results of the reinvestigation.

Promptly notify the furnisher of the information that the information has been modified or deleted.

Furthermore, 15 USC 1681s-2 prohibits any person from furnishing information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Given the discrepancies noted in my credit report and the obligations outlined by the FCRA, I request the following actions : A reinvestigation of the inaccurate or incomplete information listed in the aforementioned accounts.

Prompt deletion or correction of any verified inaccuracies or incomplete data.

Notification to all furnishers of the modified or deleted information, as required by law.

Please acknowledge receipt of this complaint and inform me of the actions that will be taken to address these issues within the timeframe prescribed by the FCRA.

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2019-03-26
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: EQUIFAX, INC. (NJ)

XXXX is reporting XXXX XXXX with a date of first delinquency of XX/XX/XXXX the date I filed for Chapter XXXX bankruptcy. The account was opened XX/XX/XXXX and was never paid. Date of first delinquency must be no later than XX/XX/XXXX but more likely XX/XX/XXXX. Either way date of first delinquency is greater than 7 years and this account must be deleted.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-20
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX 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 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 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had a recurring payment on the credit card due date for a set amount. CAPITAL ONE decided to give me a past due fee anyways. I called, and I was able to get the fee waived as they said it was not supposed to be there. Even with the waived fee, they bumped my minimum amount due for the next month to DOUBLE. I called, and was able to talk to a supervisor ( superviser XXXX, I believe ). She told me " That's just how we do business ''. The way capital one conducts business is to hide fees, and then lock you into set payments once you find those fees. I should not have had a late fee to begin with and now they are locking me in to a payment I do not want to make this month given financial circumstances.
Consumer complaint received 2024-05-20
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are inquiries on my consumer credit report that i did not authorize. ftc report number is XXXX The following inquiries need to be removed 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 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 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 2024-07-08
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)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (TX)

I, XXXX XXXX XXXX, am XXXX  and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject Santander Consumer USAs promissory note and claim of ownership over my name XXXX XXXX XXXX. I command Santander Consumer USA with the account number XXXX to remove their debt immediately from my credit profile. I am XXXX  and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for the Santander Consumer USAs debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that Santander Consumer USA has no standing at law against my superior title and ownership over my name XXXX XXXX XXXX.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. Late payments are being reported after the account was closed. This is a fcra violation and you can be fined up to {$1000.00}. Update immediately. 

Account XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NJ)

Received a charge on my XXXX XXXX XXXX Mastercard sponsored by Barclays Bank, Delaware, credit card statement Period XX/XX/2019-XX/XX/2019.  There was a charge with Transaction date of XX/XX/2019 and posting date of XX/XX/2019 for a transaction in XXXX Florida, XXXX XXXX. We were in New Jersey working on that date. We called the credit card company to dispute the charge on XX/XX/2019 and spoke with XXXX at XXXX, they cancelled the Credit card and put it in as a dispute. We paid the balance of the monthly bill due. We also requested a copy of the transaction showing our signature. 
We received a letter dated XX/XX/2019 stating " After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity ''. In the same mail we received another letter dated XX/XX/2019. The letter stated " Our research has indicated that the transaction is valid. The transaction has therefore been placed back on your account. If applicable, interest and other charges related to the disputed amount will accrue on any unpaid portion of this amount, '' You can see our confusion so we called back and spoke with XXXX, who would not give us an employee number, and were told it was from a charge on XX/XX/2019 and that they can change the Transaction date whenever they desire. We still do not have a valid copy of the charge slip and feel that this company is not going to send one. When we called the number XXXX, and spoke with XXXX they said that the Merchant can change the transaction date when they want. How can a consumer check their transactions on a credit card if the Merchant can change the dates at will. We can understand the posting date being different but not the Transaction dates. Especially making it almost 30 days later.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX