davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-31
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Please help. In XX/XX/XXXX my data was breached and I have spent the last two years with countless hours and sleepless nights trying to repair my credit. I have been denied a refinance, a refinance cash out and equity. I have XXXX in equity of my home and we are in danger of loosing it because a bank or lending company will not help due to my credit being so bad from fraud. I continue to have fraudulent transactions and I am now requesting that the following companies remove all negative information and restore and reverse any damages to me since XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Usaa all accounts restored and any negative or incorrect information removed XXXX XXXX XXXX has been a darogtory account damaging my credit and have stated to pay them just to help my credit. Two years tying to resolve this account. 
Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am requesting the XXXX payments from XX/XX/XXXX missed be removed immediately because they were missed due to identity theft. Please help! I am so scared that we will never get the help we need and it is so unfair that I can not get my credit restored after 2 plus years. XXXX should pay major restitution for ruining lives. Please, please help!
Consumer complaint received 2023-06-01
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. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$620.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-14
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (MI)

I seen the debt in my XXXX XXXXa account and did not recognize the charge. I recently have filed bankruptcy about 2 years ago. I definitely do not have the credit for the amount that was loaned or approved and being told I owe. I am not sure how this is adding up as my charge. I disputed it with XXXX XXXX and it was not approved. This is why I came here to dispute. I did try calling the company but could not reach anyone or leave a message. I do not have any information such as account number to send them a message to get more information. Account says opened XX/XX/year> for {$3300.00}.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My account with this company is being reported late 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 2019-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (VA)

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 90 days late as of XX/XX/2018 XXXX and XXXX 60 days late as of XX/XX/2018 XXXX and XXXX 90 days late as of XX/XX/2018 XXXX 30 days late as of XX/XX/2018 XXXX and XXXX 60 days late as of XX/XX/2018 XXXX 30 days late as of XX/XX/2018 XXXX and XXXX I was XXXX overseas during this time and had difficulties making online payments, but I paid as soon as I was back in the states. Now I am applying for a home mortgage and it is impacting my credit score.
Consumer complaint received 2020-07-02
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: Sensible Auto Lending, LLC (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-10-22
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. (TX)

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 XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 my identification as well as the information requested from the list of acceptable items 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I submitted two letters within the last 60 + days to TransUnion XXXX XXXX solutions for them to either remove the eviction they are reporting on my report or send me all the documents they have to verify it including ( lease agreement signed ) etc. The first letter I sent out, they returned a letter back within 30 days stating that it is verified never sending me verification of any sort. The second letter I sent to them certified so that I was able to track when they received it. By law they have 15 days to respond to my second request and I still havent heard anything. My second letter was mailed out XXXX XXXX and my tracker stated that they received it that following Saturday XX/XX/XXXX. They sent me a letter telling me they received my letter XX/XX/2022. It has been 15 business days since then. I am very dissatisfied with the way this company is reporting to my consumer report and how they are handling it by not verifying any info. I know my rights and I will not stop until this is removed from my report.
Consumer complaint received 2023-07-31
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. (GA)

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX 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 2023-02-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted XXXX on multiple occasions that I have never had an account or balance with XXXX. My last attempt to contact XXXX was on XX/XX/XXXX and I received no response back. I sent the letter certified USPS tracking XXXX. It was received by XXXX on XX/XX/XXXX. I have contacted TransUnion on multiple occasion about this matter. TransUnion said they confirm this charge but that is impossible when XXXX has never respond back because there is no account or balance. TransUnion is not doing a proper investigation and at this point, I will be moving forward legally if they do not remove this from my credit report. I wrote TransUnion on XX/XX/XXXX telling them that XXXX is not responding back or validation any account or balance. TransUnion has not responded back in 4 months to my letter. This account is causing adverse affect to my credit worthiness.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OH)

A stranger made fraudulent purchases of approximately {$2500.00} on one of my XXXX XXXX credit cards issued by Citibank. 

The perpetrator has been found, and charged with felony credit card fraud : However, Citibank has refused to reimburse the card. This has been extremely stressful over the past couple of months. 

The credit card issuer credited my account after filing the dispute : However, the {$2500.00} in charges just appeared again on my credit card statement, and I subsequently received an e-letter stating that the investigation is complete, and I am now responsible for all of the charges -- No explanation. 

Moreover, they further stated in the letter that if I failed to make payments on the fraudulent chargers, they would report it to the credit bureaus. This is particularly disturbing as I currently have a credit score of XXXX ( Exceptional ) -- Based on a perfect payment history. Consequently, I have no choice but to continue to pay on the fraudulent charges. 

The investigative department of the credit card issuer has been very deceitful. Currently, I am weighing my legal options.
Consumer complaint received 2022-12-12
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: CITIBANK, N.A. (CA)

Citi XXXX department is trying to close a case without even allowing me to upload supporting evidence. 

I've disputed an XXXX transaction where the door was broken and not lockable. I have taken video proof that the door is not working. The amount is XXXX posted on XX/XX/2022. The transaction is disputed on XX/XX/2022. 

For the next couple weeks, I have made XXXX calls to the Citi XXXX department as well as XXXX emails to give them as much details as possible and offering the video proof. However, they have never provide me a way to upload those videos. I was told that I will be contacted by the investigator, but i was never contacted. Not even a single reply from the XXXX emails I sent. 

Now, they are closing the case saying I did not provide any documentations, despite I offer those video evidence in all XXXX calls and XXXX emails.
Consumer complaint received 2022-07-18
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. (DC)

I am writing to dispute the following fraudulent information that appears on my credit report. I previously disputed this account with the credit bureaus stating these accounts are fraudulent. 

XXXXXXXX XXXX XXXX with account XXXX XXXX opened on XX/XX/XXXX XXXX  XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX XXXX XXXX  Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$20000.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft Report
Consumer complaint received 2023-07-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (NJ)

XXXX report was paid for to XXXX and XXXX paid a third-party vendor to conduct the appraisal. The appraisal was completed on the XXXX of XXXX after being ordered on XX/XX/XXXX. The team at XXXX refuses to release the appraisal report to me despite multiple attempts to do so, including phone calls, live chats, and emails.