davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Machol & Johannes, LLC (MO)

This debt was being paid as agreed until XX/XX/XXXX. The COVID-19 pandemic created a hardship for my household and my hours were cut at the hospital I worked for about XXXX weeks. I then found out I needed a medically necessary XXXX for the sake of my health. I was off work for two weeks to recover and had to use my short term XXXX through my job. I e-mailed this debt collector multiple times and I received no returned responses for months. I asked for a lower payment or deferment of my past due payments until my financial situation was back to normal. Then months after I received these threatening letters about court and judgement for payment. This has made an already stressful time in my life much worse. I lost my father in XX/XX/XXXX unexpectedly of a XXXX XXXX. At the time I was living alone in Colorado, newly divorced. I was first served court papers by this same debt collector during that devastating time. I told them I had student debt but they demanded I pay or theyd sue me in court!! I struggled but I did my best to pay each month. The grief and stress of this debt caused me to leave Colorado to be closer to my children. I then reconciled with my ex-husband and we remarried Fall XXXX. The pandemic caused everything to change!! This past month has been extra hard on my family as there have been deaths in our immediate family of grandparents and most recently my mother recovering from COVID-19. This second letter and continued harassment from this debt collector has made my grief and mild XXXX much worse!! I asked them to work with me earlier this year in late XX/XX/XXXX and they wouldnt!! Now they want to attack me during the holiday season and ruin my credit. I feel because I am an XXXX American citizen that they are purposely seeking to destroy the effort Ive worked so hard to put towards a better life and future for myself and my family!! I pull up my boot straps and they cut them off!!!! I feel violated!! I should not have been paying this creditor more than {$10.00} a month due to my student loan debt!!! I am outraged that this debtor is harassing me and refused to work with me when I asked. I would like them to show proof of my payments to show my debt was in good standing for about a year until the pandemic shut down the entire country!! The money I have paid is the amount of what was owed to the original creditor!! This debt collector is trying to get extra money out of me for their own personal gain!! Shame on them!! Please dont let them ruin my credit if all lives do really matter!!
Consumer complaint received 2020-10-31
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: CBC Companies, Inc. (IA)

XXXX is not reporting accurate information. If XXXX was reporting accurately, my reports between Innovis, XXXX, XXXX, XXXX would all be IDENTICAL. I have disputed 3 or 4 times with Innovis and they do nothing. I have disputed with the other 3 credit bureaus and they do NOTHING. I have disputed with XXXX several times and they do NOTHING. I have file complaints with CFPB and YOU DO NOTHING TOO. 

Attached is the Innovis payment history. Please explain in DETAIL the below FACTS. 
XXXX, XX/XX/XXXX has a different payment report than 1 other credit bureau. 
XXXX, XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau. INCLUDING XXXX of XXXX has a different payment report than Innovis, XXXX, XXXX, and XXXX. How does XXXX report XXXX of XXXX different to 4 credit bureaus? How does XXXX say they are correctly reporting, after probably over 20+ disputes with every credit bureau and through XXXX directly, if they have 4 different reporting for 1 MONTH. HOW IS THIS POSSIBLE? 

XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau, and XX/XX/XXXX is different than 2 others. 

How is the Account Status 30 days past due when I do not have an account with XXXX? The other 3 credit bureaus are reporting account status CLOSED. 
How is it past due when there are 2 other credit bureaus reporting payment was made in XXXX? 
How was last payment made on XX/XX/XXXX when there are 2 other credit bureaus saying I made payment in XXXX? 

DELETE THE ACCOUNT IMMEDIATELY
Consumer complaint received 2020-08-26
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. (NY)

Summary XXXX has applied a fee of {$300.00} to my account, improperly o The fee is improper because I was never notified or informed about the existence of this fee until after it was applied o To the best of my knowledge, I did not consent or otherwise agree to this fee when placing an order for services by XXXX Efforts to dispute the fee directly with XXXX did not resolve the situation Although I paid the bill for services I agreed to receive, I did not pay the outstanding balance pertaining to the disputed amount Despite my dispute efforts, XXXX sent the unpaid balance to collection and reported a negative credit report to all three national credit bureaus The negative credit item caused my credit score to drop by 145 points, and resulted in a denial of credit by a financial services company I furnished all of the information to the credit bureau, as evidence of an ongoing dispute. The bureau has not removed the negative information from the credit file.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2021-07-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (CA)

I signed up for automatic payments when I first leased my XXXX XXXX in XX/XX/XXXX. In XXXX, US Bank informed me that I was past due. I attempted to access my online account and was unable to do so. On or about XX/XX/XXXX, I reset my automatic payments and the my US Bank online banking account to make automatic payments. Instead of automatic payments when due, US Bank drew payments for 6 additional months to XX/XX/XXXX. I figured that it was a glitch in the system. But, since I was paid up to XX/XX/XXXX, I let it slide. Notwithstanding US Bank 's error, US Bank reported me past due credit reporting agencies on XX/XX/XXXX, and refused to correct their errors. I was informed by XXXX yesterday that my FICO was downgraded. Immediately prior to this my score was XXXX. 

Today, I received an online solicitation from US Bank for bill pay. I attempted to access my account and was unable to do so. The US Bank computer automatically transferred me to a system to answer questions. But, the system did not provide any questions for me to answer. Since there were no security questions for me to answer, my password was locked. After talking to two different individuals, my password was unlocked ; and, I was allowed to change my password and establish security questions. US Bank 's online system is frustrating. I was a XXXX XXXX for the XXXX  ; and a XXXX XXXX for 44 years. If I can't figure out US Bank 's online banking, I would imagine many other people have problems with US Bank 's systems. I have experience with several bank online systems, US Bank 's is the worst of them so far.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

I changed my legal name and have filed disputes twice with Equifax. First dispute ( was sent pictures of valid drivers license front and back, also social security card front and back ) was XX/XX/year> and they said my name was updated yet it never shown as updated. On XX/XX/year> I checked to see if it was updated and I seen there was no mention of my name change anywhere, so I filed another dispute once again sent pictures of valid drivers license front and back, also social security card front and back. On XX/XX/year> they said the dispute was done and that the name was changed. On XX/XX/year> I logged into the website to check if it was done. I got another credit report and it shows XXXX information. No accounts, no name, no social, no addresses. Literally completely empty. The website still shows my old name as well for the account name. I have tried calling the customer support line but the interactive voice response says it cant verify me with my information.
Consumer complaint received 2020-10-31
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: CBC Companies, Inc. (GA)

On XX/XX/2020 I applied for a VA, FHA, USDA and or XXXX. I was told by XXXX with Factual Data that their General Counsel told her Not to Release my Disputed Updated Credit Report, to-date I've Not received my Updated Re-scored Tri-merge from Factual Data so that I can further engage in the Mortgage process. Disputes consist of : Removal of XXXX  XXXX  XXXX ending # XXXX account doesn't belong to me, XXXX, ending # XXXX, this account has No balance, XXXX, ending # XXXX, account doesn't belong to me, XXXX XXXX XXXX XXXX , XXXX XXXX Not reporting, Loans number ending XXXX, XXXX are Not Reporting to XXXX in the Mortgage section of my Credit Report with effort to show that I never had a XXXX XXXX, nor PAID account Off in FULL, XXXX XXXX , ending # XXXX & XXXX, accounts exceeds the FTC 7 year Reporting period, Remove this XXXX. XXXX  XXXX XXXX, ending # XXXX, account exceeds the Federal Trade Commissions 7 year Reporting period, get this XXXX off as well, thanks
Consumer complaint received 2020-10-31
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: EQUIFAX, INC. (TX)

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : Equifax : XXXX XXXX XXXX XXXX XX/XX/20 Equifax : XXXX XXXX XXXX XXXX XXXXXX/XX/20 Equifax : XXXX XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/20 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX XX/XX/20
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX is inaccurately reporting charge off every month which is really affecting my credit score. My rights have been violated due inaccuracy on my credit report. I am entitled to an accurate credit reports this creditor has violated my rights as a consumer. I would like this account deleted immediately. You cant report a charge off each month. The credit agencies has three different open account dates. It also shows different amounts across all three agencies. I disputed these accounts on XX/XX/10. All three agencies refused to complete a through investigation. I am not able to qualify for a home due to these inaccuracies hurting my account. By law the agencies are to ensure accurate information but failed to do so with my dispute date XX/XX/10. Please delete
Consumer complaint received 2024-10-31
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. (SC)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2024-10-31
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-01-19
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)

CASE # XXXX : I, XXXX XXXX XXXX XXXX HAVE NEVER INITIATED AN ACCOUNT WITH XXXX XXXX  AND/OR XXXX XXXX XXXX. I DID NOT OPEN ANY TRANSACTIONAL ACCOUNTS, LENDING ACCOUNTS, LOAN ACCOUNTS, OR CREDIT CARD ACCOUNTS IN MY LLIFETIME. 

MY INDENTITY WAS STOLEN, MY DRIVERS LICENSE, SOCIAL SECURITY CARD, AND MY XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX  ACCOUNTS ALL COMPROMISED AND IDENTITY THEFT RESULTED WITH XXXX & VPN ACCESS FROM MULTIPLE COUNTRIES. 

IN 2020, I FOUND OUT THAT AN INDIVIDUAL USING MY CRENDENTIALS FRAUDULANTLY AND WITHOUT PERMISSION ; OPENED ACCOUNTS AND THEN MISUSED THE ACCOUNTS, WHICH ULTIMATELY WAS REPORTED ON MY CREDIT BUREAUS. THE CREDIT BUREAU DEROGATORY MARKS IS HOW I FOUND OUT ABOUT THE FRAUDULANT ACCOUNTS, I IMMEDIATELY NOTIFIED LAW ENFORMECEMENT, FILED POLICE REPORTS, AND HIRED " CREDIT REPAIR '' COMPANIES TO DISPUTE THE FRAUDULANT ACCOUNTS AND DERAGATORY MARKS. 

I AM NOW HANDLING THIS FRAUDULANT MATTER MYSELF BECUASE I AM TIRED OF BEING A LWAFUL CITIZEN, WHO PAYS MY BILLS ON TIME, AND HAS TO SUFFER DERAGTORY AND LESS THEN PERFECT CRDIT DUE TO THE ACTIONS OF A CRIMINAL AND THEIR FRAUDULANT THEFT OF MY IDENTITY. 

I DEMAND THE FRAUDULANT ACCOUNTS, ALONG WITH THE DERAGOTORY MARKS, BE ENTITERLY REMOVED FROM EVER CREDIT REPORTING AGENCY THAT EXISTS, INCLUDING, BUT NOT LIMITED TO XXXX, XXXX, EQUIFAX, XXXX XXXX, AND ALL OTHERS
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
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. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-31
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. (MI)

I have been a responsible credit user with XXXX XXXX for 24 months. Since, I have had an account, I have never missed or had a late payment. In addition, I pay more than the monthly required minimum. My Equifax score is currently a XXXX and I have XXXX debt. I am on an income driven payment plan for student loans and currently pay $ 0 monthly and this will continue until I make at least {$40000.00} or after my graduation date. I spoke with CapitalOne, and was told, I have to reach out to the CFPB. 

I have requested credit line request on both of my XXXX accounts several times. All of which have been denied based upon my credit report. This last time, I was denied for this reason : " Your financial obligations, such as those reflected on your credit bureau report are too high compared to your income '' I am submitting this complaint because I believe XXXX is purposely and improperly obtaining my credit report. I am exercising my right to complain under the terms of the FAIR CREDIT REPORTING ACT in which XXXX 's credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency. 

I obtained my report from Equifax and on the basis of XXXX 's statement being : " The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. '' There were no indications of financial obligations being too high compared to my income. 
Therefore, I am led to believed I have been discriminated against on the basis of race, color, and/or national origin which violate my rights protected under the Equal Opportunity Act.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (MD)

Whom It XXXX Concern : This investigation began in XX/XX/year> and continues to this day. I am disputing all three credit reporting agencies who gives me bad reviews each month. Which have resulted in negative remarks being made on my XXXX XXXX within the same month and on multiple days. I am aware of the utilization formula. However, I believe the XXXX credit agencies ratings are terribly miscalculated for some reason. In reality, I always make my credit payments on time. 

This has had a significant impact on both my life and credit for the past XXXX months. I'm not sure if someone is trying to access my accounts to take my identity. This is something I have never experienced before. It's really scary, and I'm not sure if I should call the police or not.
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (IL)

I've been disputing this debt for years. The debt was nowhere near the amount reported. I desputed this amount with XXXX and they couldn't explain why the amount was inflated. The debt keeps getting bought by different agencies and none will actually look into amount owed and will not offer an explanation except that the amount is correct and continue to reject my disputes. The amount is more than double the original amount owed.
Consumer complaint received 2021-04-23
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.