davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
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 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 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 XXXX  days before the payment due date. 


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 XXXX 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 2024-06-05
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. (GA)

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 2024-06-05
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. (CA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

I have 3 personal loans with XXXX Bank. One of my loans I have had since XX/XX/XXXX. I have never missed a payment or have been late with a payment. On XX/XX/XXXX, XXXX charged off my loan without any warning to me and for no specific reason. When I called XXXX to discuss error they told me they 're able to charge off any loan they want at anytime. I did n't sign any contract for these terms. This has greatly effected my credit and XXXX has even taken away certain features of their website from me because they claim I have an account unpaid through them. I have disputed this through Experian and all they did was update status to say " never late '', but it still shows account charged off.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Possible Financial Inc (AL)

I contacted XXXX and transunion and disputed the fraudulent accounts. 

Ive asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I recently reviewed my credit report and noticed an account that was not reported accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies 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. XX/XX/XXXX and XX/XX/XXXX. Im now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

On XXXX I sent a letter regarding inaccurate and frivolous things on my credit report. Till this day over 130 days later I still have not received a response. I feel like I'm being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 130 days so they should be deleted promptly.

in Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 US CODE 1681e ( b ) and 15 US Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately.

This has caused me significant damage to my credit score and has blocked me from being able to pursue business credit and being able to provide a better life for my family. I am in severe distress and i need the credit bureaus to respond to my request with a reasonable investigation and to remove these unverifiable and highly questionable accounts off my consumer report. 

As a consumer we should be protected from companies falsifying information on our report.
Consumer complaint received 2024-06-06
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)

Upon review of my consumer credit reports from XXXX, EQUIFAX, AND XXXX, I noticed the following errors : Outdated address information. Incorrect names, and Unknown employers. 

I ALSO FOUND THE FOLLOWING ERRONEOUS INFORMATION WITHIN MY XXXX, XXXX, AND EQUIFAX CONSUMER REPORTS : account from XXXX  XXXX opened XX/XX/XXXX. This account was opened fraudulently. An account from XXXX XXXX opened XX/XX/XXXX listed as an authorized user. I have never been an authorized user on and XXXX XXXX account. An account with XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. This account is fraudulent. An account with XXXX XXXX XXXX XXXX  opened XX/XX/XXXX. This account was opened fraudulently. An account with XXXX  XXXX XXXX  opened XX/XX/XXXX opened fraudulently. I have requested to be removed from a closes XXXX XXXX account opened XX/XX/XXXX as that account does not belong to me. An account that was sold to XXXX XXXX XXXX  from original creditor XXXX XXXX reported as opened XX/XX/XXXX is a fraudulently opened account. A collection account bought from XXXX XXXX by XXXX XXXX XXXX opened XX/XX/XXXX is a fraudulently opened account. An account sold to XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX is a fraudulently opened account. 
FRAUDULENT INQUIRIES IN MY XXXX CREDIT REPORT ARE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - reported by XXXX, EQUIFAX XXXX XXXX - XX/XX/XXXX - reported by XXXX XXXXXXXX XXXX  XX/XX/XXXX - reported to XXXX XXXX XXXX XXXX - XX/XX/XXXX - reported to XXXX, XXXX, EQUIFAX XXXX XXXX XXXX - XX/XX/XXXX - reported to XXXX and XXXX, EQUIFAX XXXX  XXXX XXXX XX/XX/XXXX - XXXX to XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to XXXX, EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX to XXXX XXXX XXXX - XX/XX/XXXX - XXXX to XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX - reported to EQUIFAX XXXX XXXX XX/XX/XXXX - reported by EQUIFAX XXXX XXXX - XX/XX/XXXX XXXX reported to EQUIFAX XXXX XXXX XXXX - XX/XX/XXXX XXXX reported to EQUIFAX Each account, and inquiry I have listed XXXX XXXX are in fact fraudulent, as i did not provide consent to these companies to utilize any of my personal identifying information to establish an account, and/or provide services. 
I have been unsuccessful in my attempts to remove the fraudulent information from my consumer report.
Consumer complaint received 2024-06-05
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. (WA)

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 Account number : XXXX or XXXX 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. 
Also Washington is a closed-border state. You must have a license before contacting debtors or soliciting clients in Washington, which the XXXX does not have. Therefore you can not begin business activity until you receive a business license listing the required endorsement as an In-state Collection Agency endorsement is required if your main office is in Washington state or your main office is outside of Washington state and you have, or plan to have, clients located in Washington state . ANY business involved in collecting a debt on behalf of a debt owner, or collecting a debt you have purchased from another person and either you, the debtor, or the debt owner are located in Washington, you must have a Collection Agency endorsement and be licensed in Washington. 
Lastly, the account in collections for the amount of {$740.00} is not mine, but it was opened with my information. The only account Ive personally opened in my name is my current active XXXX  account at my current address and was opened on XX/XX/year> at XXXX store no. XXXX.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is my multiple request to delete this account in my credit report that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Balance {$12000.00}
Consumer complaint received 2024-06-05
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

My account was closed ten minutes after I had some friends sent money to me. I have reached out to Chase various times and they just said they have made a decision that Chase will no longer bank with me. No any other reason available. They said my money will go back from a check mail to me, but it cant be determined now how much time it will take.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with all the companies that I included on the document 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 the months that I was 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.
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. ()

Hi i sent my XXXX token ( amount XXXX ) sent from XXXX address to coinbase XXXX XXXX  address on XXXX XX/XX/2024 XXXXXXXX XXXX  XXXX, However coinbase have stated that have not received any transaction and adviced me to contact XXXX XXXXXXXX to sort it out. I spoke earlier to XXXX  and to XXXX regarding this matter but XXXX said its not their responsibility because they supposedly sent the transaction successfully. And they recommended that i send the attached screenshot to the conversation to Coinbase. This after on XXXX of XXXX I spoked to Coinbase regarding this matter and they stated that my transaction gone to a third party and they have no idea where it is. This was my hard earned money and dont understand why both parties would have sent and accepted the transaction if it was incorrect. Surely Coinbase would have refused the transaction and returned it to XXXX if there was any problems with the transaction itself. And XXXX should have sent the money to Coinbase if there was a problem also. XXXX actually request that I have pay transaction fee yesterday so that they could sent the money to Coinbase. They took the transaction money but now my XXXX or money has disappeared. Should you required any more information regarding the transaction hash number, wallet numbers and actually chat conver With both companies, this can be provided by myself.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

my credit report dropped 40points over a deliquency account that I have made an attempt to paid off already but XXXX XXXX XXXX wont take my legal instruments as payment. I demand to the late payment history, the deliquency account, and bad payment history removed asap from my credit report. I have sent a 1099a and a coupon that was sent to my home for wtv they said i owe yet XXXX keeps reporting innacurate info to my credit. I would attach them but i cant attach anything over 10mb. I attached however a copy of the template i sent to XXXX demanding to validate the debt.
Consumer complaint received 2023-04-12
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. (NV)

I have been an ID theft victim, today I tried to get my free credit reports and tried calling to no success. My XXXX report I downloaded is not in my phone as a PDF, its missing. I am not getting my emails of the information. I am compromised and the old information to get me logged into my credit reports are wrong, therefore I can not correct or dispute anything. My correct phone and email is XXXX, and email is XXXX : I can never get anyone on the phone and when i do I get disconnected! How do you fix this issue? I am being hacked in every way. My phone service, emails, phone, work, personal, social media everywhere!
Consumer complaint received 2023-06-07
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. (KY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-07
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. (FL)

It appears that my credit information with your organization has been compromised. While reviewing my records, I found numerous files that do not belong to me. As I am thorough in my research, I discovered that under section 605b of the FCRA, you are legally required to remove any items found to be opened due to identity theft. The disputed items are not mine. I am attaching the necessary FTC Report and the bank 's records, as both parties require these documents. Please block and remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX Balance : {$7600.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

There are incorrect negative items on my credit report XXXX XXXX Account # XXXX Late Payment : XX/XX/2017, XX/XX/2017, XX/XX/2017 2017