davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2022-08-19
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit report was requested by someone other than me but claiming to be me. I called the credit agencies and verbally requested the ip address and any other identifying information regarding who fraudulently pulled my credit report. I have a suspicion it was my ex spouse. When I went to pull my credit report, there was a record of another pull and that was not me.
Consumer complaint received 2022-08-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I originally applied for an auto loan through Bank of America and was approved for an auto loan for up to {$53000.00}. I found a car at XXXX XXXX in New Jersey and the out of door price for the car came to {$44000.00}. The representative XXXX XXXX XXXX ) that was handling this transaction was in close contact with the loan rep ( XXXX XXXX ) and got the deal approved and ready to go. So I drove up to New Jersey from XXXX, VA to pick up the car. When I got there I met with XXXX and signed all the documentation and also was told that I need to get insurance for the car before driving off the lot. I called and got insurance through XXXX that cost me {$530.00} to initiate the insurance. XXXX then sent over the insurance binder to XXXX XXXX. This was all done on XX/XX/2022. 

Now I get a call on XX/XX/XXXX, XXXX from the Finance Manager at XXXX XXXX and they are telling me that Bank of America has not sent over the funds yet because Bank of America is only covering {$37000.00} of the car and I need to come up with the rest. I do not see how this is my issue when the sales rep and the loan rep approved everything before I drove all the way up to New Jersey and now they are telling me that I need to come up with the remainder of the money or return the vehicle. 

This has been impacting my livelihood in the worst way and is extremely inconvenient for me to go all the way out of my way to drive there for them to tell me this almost a month later.
Consumer complaint received 2024-09-24
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. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2022-08-19
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. (LA)

XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( I have disputed this account numerous times, I do not owe this amount on this account. I have asked for these accounts to be removed due to it is keeping me from getting approved for a mortgage. 
XXXX XXXX XXXX ( XXXX ) I have tried to get this account removed from my credit report numerous times. This is keeping me from getting approved for a mortgage. This information is not accurate, I do not owe this company any money. Please assist with getting this removed from my credit report. 
XXXX XXXX XXXX ( XXXX ) This account information is not accurate, I do not owe this company any money, I am trying to purchase a house and this account is keeping me from getting approved for my mortgage. 

I have contacted these companies directly, and all three credit bureaus and have not been successful, please help me get these accounts removed form all three credit bureaus.
Consumer complaint received 2022-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (FL)

There is a collection company showing up on my credit file that I have never done business with nor owe anything. I requested validation via the mail 45 days ago after seeing the remark on my credit file and nothing has been received. Please help it is shown as Online Info XXXX {$61.00} Online Info XXXX {$150.00}
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

Today XX/XX/22 I got an email from TD bank saying my new account should be ready for online and app use in 24 hours. I called td bank and the rep helped me and reported it. 
She gave my websites and telephone numbers to report it as identity fraud
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I may presume that no hard proof of the allied debt, nor therefore any such debt, in fact exists for accounts : XXXX CARD : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$1700.00} U.S DEPARTMENT OF EDUCATION XXXX XXXX : {$4700.00} U.S DEPARTMENT OF EDUCATION XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I disputed my credit report many times they never fixed the account and they always lower my score.when I use the credit card I pay the all the palance they never report that sometimes it takes them more than a month to do that and after I dispute that plus when I charge something anything on the credit card it goes on my report the next day they always ask for money to raise your score thats not right
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

The account was initiated on XX/XX/XXXX at approximately XXXX XXXX, due to an emergency with my cat at the XXXX XXXX XXXX. We had been quoted by staff at the XXXX XXXX XXXX XXXX the emergency costs could be as much as {$3000.00} which would be a huge burden to our family. The XXXX XXXX had advertisements for Care Credit so we completed an application from my cellular phone while in the waiting room. The application stated there would be no interest for a specific period. At no point did I see anything about " credit protection '' services which would not be something I would take because this is protection for someone who could lose their job and not be able to make a payment. I have been at my job for more than 20 years. 
After receiving the first statement in XXXX of XXXX my husband made our first payment. We did not notice there had been an additional charge added to the account for credit protection. In XXXX of XXXX, we had a family emergency that landed my father in the hospital and after 12 grueling days he passed away. My husband noticed there were charges being added to the bill which he called Syncrony Bank, the servicer of Care Credit. They explained all the charges to him however they refused to cancel the credit protection. Today, XX/XX/XXXX I called Syncrony Bank, the servicers of Care Credit and asked about the credit protection services. The representative explained I would have needed to " opt-out '' at the time I applied for the credit, and then went on to explain this is serviced by a third party and I would need to be transferred. The process was very convoluted and I can see how many people get stuck with this charge. The representative did cancel the credit protection for me, but refused to back-date or remove any other fees. I asked how I can escalate this or contest this and they said it was impossible. I explained that requiring someone to " opt-out '' is a hidden predatory credit tactic and they didn't have any response. I have attempted to resolve this with the credit company/bank . This predatory measure needs to be resolved. A customer, who is in a difficult situation when applying for emergency credit, is not going to be in a clear state of mind, and would not be thinking they need to " opt-out '' of something in order to proceed. This is a much more serious matter than just my personal expense of {$100.00} in credit protection fees added to my account. Additionally, it is not clear how my payments have been applied to my account with the fees. There is supposed to be interest-free on the care credit if paid within x amount of time. It can be seen on the statement they have applied different buckets to the charges and started to charge interest on the credit protection services which is absolutely unacceptable. My statement dated XX/XX/XXXX shows {$1.00} in interest charged from the credit protection services balance.
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Made payments to two of my Capital One cards, received confirmation of payment from one of my XXXX XXXX accounts, some of my XXXX XXXX XXXX  XXXX, and one of my XXXX XXXX XXXX XXXX accounts, but it didn't update the credit when payment made as was with XXXX XXXX XXXX accounts made in similar time frame. All payments made at similar time, and in a similar way before any deadline, and want to ensure properly credited on day payment made. 

What is the issue?
Consumer complaint received 2022-06-16
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 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-16
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 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 XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : OFFICE OF THE ATTY GEN XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; ATTORNEY GENERALXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00}.
Consumer complaint received 2022-07-16
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. (CT)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) 0000000003378****Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$58.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$390.00}
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

1692g. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communica- tion with a consumer in connection with the collection of any debt, a debt collector shall, un- less the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written no- tice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any por- tion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty- day period that the debt, or any portion there- of, is disputed, the debt collector will obtain verification of the debt or a copy of a judg- ment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2022-05-28
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. (CA)

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments.Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 
Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time.