davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I am a victim of ID Theft. I submitted the required documentation to Equifax as requested. According to federal law Equifax had 4 days to remove the disputed information from my report. I discussed this with a supervisor named XXXX XXXX and was told that Equifax was in compliance with all federal laws. The other XXXX bureaus have removed the ID Theft accounts. 
I had to take Equifax , XXXX to federal court to settle some disputes relating to ID theft accounts in the past. I was compensated by them to settle the case. Equifax in this case have not upheld their part of the agreement they made with me.
Consumer complaint received 2024-10-11
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. (GA)

The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ) which goes against the XXXX XXXX Final Rule. 

ACCOUNTS : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX Noticed XXXX XXXX accounts appearing on my credit reports XXXX. XXXX XXXX XXXX XXXX {$4500.00} XXXX. XXXX  XXXX XXXX {$590.00}
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2019-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

i went to get some medical exams done, xrays, my insurance paid for everything but i got a bill sent anyways, i received a call from the company and i told them that my insurance covered it but they said it didnt even though i knew it did, the collection company set a derogatory mark in my credit score and now it says the debt was PAID even though i never paid for it ... ... 

Creditor Name TSI/XXXX  Account No. 
XXXX Original Creditor MEDICAL Responsibility Individual Condition Paid Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Paid collection
Consumer complaint received 2024-10-11
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)

The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ) which goes against the XXXX XXXX XXXX XXXX. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RE : Trafficking Block Request To whom it may concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXXXXXX .... 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-09-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

The company has been harassing me about payments when I keep asking for the contract. I was informed that I needed to set up an online portal to see a contract. Ive informed the reps that I would speak to that I need a physical copy and was told that I could not.
Consumer complaint received 2017-10-22
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. (AZ)

I am a victim of identity theft and someone used my identity and personal information to open up a XXXX credit card account ending in : XXXX, I have never applied for a XXXX credit card. The account is fraudulent, unauthorized and dont belong to me. I didnt apply for a XXXX credit card account.
Consumer complaint received 2023-08-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, I contacted Capital One-Auto Finance to let them know that for personal reasons at the time, I was unable to continue financing my car. Financial personnel informed me of the procedure that I had to follow for the delivery of the vehicle and the termination of the contract with them. I did so, all the time in communication with that office. On XX/XX/XXXX, they sent a tow truck to pick up the vehicle and this was the final step to finalize and close the account with them. 

Currently I moved to the State of Virginia and on each application process to apply for housing, they have been unsuccessful, due to debts on my credit. I proceeded to verify the credit and I found that in addition to the debts that I am currently paying, which are not inconvenient for my rental purpose, a financial debt from Capital One-Auto appears. This started when they placed a debt in the credit history in the month of XX/XX/XXXX. I proceeded to call XXXX XXXX and XXXX and they told me that I should request the removal of that account in the credit history by making a Dispute about it. 

After making the dispute, I proceeded to communicate with the financier, explaining the situation to the person who attended me. I requested a certification that the case was already closed. On XX/XX/XXXX, I received it through my email, and they informed me in the letter that the vehicle was indeed delivered on XX/XX/XXXX, without further charge in this regard. 

At that time, the representative informed me that in their system they have a debt because when they sold the vehicle, they did so for less than its price. Information that was never offered to me when in XXXX I contacted the financial company. The intention was to have the correct information for the termination of the contract and the payment commitment. 

Now, in XXXX, due to the situation that arose regarding the rental application, I found out that in XX/XX/XXXX, Capital One-Auto posted that debt, as if it were new. When checking my credit, I realize why my applications were rejected. Capital One-Auto debt and the score that credit companies, XXXX XXXX  and XXXX have subtracted from my credit report, have nullified my chances of getting a rental home for myself and my children and for any other plans I had. In addition, in the most recent housing application, Capital One-Auto 's debt was posted again dated XX/XX/XXXX, and the companies ' credit report had an additional XXXX points subtracted from the credit history.
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (SC)

I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (AL)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2017-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MN)

On XX/X/2017 at XXXX CST I received a call from XXXX by someone identifying themselves as " XXXX XXXX '' from " Diversified Consultants ''. He stated that I owed ~ {$450.00} for a delinquent XXXX XXXX bill. I immediately hung up, as I am on auto-pay with my XXXX account and checked while on the call that my balance was {$0.00}. I hung up to call XXXX to validate that they initiated the collection activity, which they denied and stated my account has never been in arrears. 
I called XXXX back and talked to them again. While attempting to verify the account they gave an address that I have never lived at. Apparently they were calling all the " XXXX XXXX '' s in Minnesota trying to find the right one. Either this is fraudulent activity or a highly suspect methodology for attempting to collect a debt. 
I would appreciate the company in question being warned against blanket calling like this. If I receive another call from them I will take legal action, as I 'm sure they are attempting to add someone else 's delinquent bill to my credit report.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-11
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2017-12-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Express Cash Mart Management (WI)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX (XXXX) reported a 'placed in collection' balance of $XXXX to XXXX on XXXX XXXX, 2017.  

They reported the original creditor as XXXX XXXX XXXX of WI with an open date of XXXX XXXX, 2017.  I do not have a balance with this creditor.  This appears to be a 'new' balance, which resulted in a significant credit score drop.

Over the past couple of years I have received random phone calls and emails from similar payday loan companies threatening to proceed with arrest warrants, direct contact with my employer, putting my social security number on hold, etc.  Additionally, there was direct refusal to validate the debt.
Consumer complaint received 2024-10-11
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. (FL)

In Accordance with The Fair Credit Reporting Act. The List of Accounts below has violated my Federally Protected Consumer Rights To Privacy and Confidentially under 15 USC 1681. 

Account name and # : XXXX XXXX # XXXX, Account Name and # : XXXX XXXX XXXX XXXX XXXX XXXX Account Name and # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and # XXXX, Account Name and # : XXXX XXXX # XXXX, has Violated My Rights. 

15 USC 1681 Section 602 A. States I Have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No Consumer Reporting Agency may make consumer report containing any of the following items of information. Any other adverse item of information other than Records of Conviction of Crimes which antidote the report by more than seven years.
Consumer complaint received 2017-12-05
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. (MO)

My credit reports were affected by the XXXX hack from earlier this year ( XXXX ). I have two hard inquiries on my XXXX and Experian reports that I did not initiate nor authorize. I have called both companies for removal to no avail. I have made numerous calls and have reported Experian and XXXX to CFPB only to get the continued run around.There are two XXXX XXXX inquiries ( dates filed ; XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) on both reports. I have never applied for any XXXX XXXX XXXX XXXX. Furthermore, I actively monitor my credit report and it makes no sense for me to apply for a credit card from the same company within two months ( XXXX to XXXX ) with no positive change in my credit report during that period. These hard inquiries need to be removed immediately from my credit report as they are affecting my overall score and worthiness of my credit. I have included my identification information as well as a copy of my latest Experian report ( outlining the hard inquiries in yellow highlighter ) so that Experian can stop with the games and run-around and remove the negative and inaccurate information from my report immediately.
Consumer complaint received 2017-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Collections, Inc. (NY)

I received notification onXX/XX/XXXX from XXXX XXXX that a new collection had been added to my report. I notified Cascade Collections that they were in violation of FCRA by email and did not receive any response nor did I receive any notification of the collection from Cascade. 
They gave impacted my credit report, have not sent me notification nor did they send me verification of the debt. 
The same complaint is against the original company XXXX who refused to send my text book rental back to me and claim I owe them {$260.00} for a {$20.00} textbook. They refuse to send me receipt or documentation for this debt. XXXX promised to send me back my book- they never sent it and claim there was a time limit on their gesture which is not noted anywhere on the email.
Consumer complaint received 2017-01-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY (AK)

Disputed the account being in collections due to it being fraudulent. Contacted Wells Fargo and they had no record of charges in order to prove we did not open or have control of the card. It has been more than a year ( exceeding the 30 days required to respond to a dispute ) and nothing has been provided to us. We are demanding that the report be removed from our credit history. The account is listed twice, both showing " disputed '', and we want both to be removed.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

I checked my credit report and saw that there's a piece of inaccurate public information from my credit report. I have no knowledge about this information. Please check the documents I've sent as this has been causing me great stress.
Consumer complaint received 2024-08-29
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. (GA)

the following account does not belong to me under the FCRA fair credit reporting act you must report true and accurate information, PLEASE investigate this account and list every person you spoke to during you investigation and provide proof of every document bearing my signature, XXXX XXXX XXXX  account.