davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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: Experian Information Solutions Inc. (FL)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if Account XXXX : XXXX CARD Date : XXXX Account XXXX : XXXX XXXX NA Date : XXXX Account XXXX : XXXX XXXX XXXX Date : XXXX Account XXXX : XXXX OF XXXX Date : XXXX Account XXXX : XXXX CARD Date : XXXX Account XXXX : XXXX XXXX Date : XXXX Account XXXX : XXXX XXXX SER Date : XXXX Account XXXX : XXXX XXXX NA Date : XXXX Account XXXX : XXXX Date : XXXX
Consumer complaint received 2024-09-21
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: DISCOVER BANK (WA)

On my Discover card : My First Date of Delinquency was XXXX. 
The account was CLOSED XXXX. 

The account was then Charged Off XX/XX/XXXX ( which was more than 7 years after the account was closed ). 

When an account is Charged off, it leaves the account with a {$0.00} balance. 

The company reported that they charged off the balance XX/XX/XXXX ( ~ $ XXXX ). HOWEVER, the company is still reporting the same exact amount as a balance ( a current running balance ). 

I have filed disputes for the removal of the account should recently AND in the past ( many years ago ). 

The above is the information that at least two of credit reporting agencies currently has. 

The account was closed in XXXX. 
The account was charged off in XXXX. 
There was no additional charges to the account since XXXX. 
Therefore, after the balance was charged off ( XXXX ), the account should have a XXXX dollar balance. 
The reported current running balance is incorrect, and damaging! 

In addition, since the account was closed in XXXX, come XXXX ( 7years after ), the account should have been removed from every one of my credit reports ( every credit reporting agency ). 

Since there was a supposed payment on XX/XX/XXXX -which was the charge off, AND the supposed " currently running balance '' reported of the same amount of money, the account has not been removed and continues to cause damage/harm. 

I have tried to dispute it, but the disputes resulted in the same reported running balance. 


This has caused harm to my credit. 
This has stopped me from repairing my report/credit ( for years ). 
This also has caused harm to my ability to gain credit. 

It is imperative that the information be corrected with all 3 credit reporting agencies! 
... be corrected to a XXXX balance, as of XX/XX/XXXX. 
... And, in addition, since the account was delinquent & closed in XXXX, it has been more than 7 years. Therefore, the account should not be on any of my credit reports. 
* Please remove the account from all 3 of my credit reports. 

Many years have already passed in which I could have been building credit -to which the error has caused harm.
Consumer complaint received 2024-10-21
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)

RE : Late Payment Improperly Reported- I XXXX XXXX XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681 . The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, EQIFAX. XXXX, XXXX, EQUIFAX has violated my consumer rights and violated federal law. This is the THIRD attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-10-03
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. (IL)

I am writing to formally express my deep concern regarding the unresolved disputed accounts on my credit report. Despite my repeated requests for thorough investigations into the inaccuracies I have identified, no corrective actions have been taken thus far. These erroneous entries are negatively impacting my credit file and significantly affecting my ability to manage my financial obligations and lead a normal life. 

The ongoing presence of these inaccuracies has created immense hardships, and I am left with no choice but to ask for your immediate assistance in resolving this matter. I kindly urge your organization to conduct a detailed review of each of the disputed accounts on my credit report and take the necessary steps to correct any errors without further delay. 

It is critical that the accuracy and integrity of my credit report be restored as soon as possible so that I can regain control over my financial health. I sincerely request that this matter be given your highest priority and that swift action is taken to rectify the situation. 

Thank you for your prompt attention to this urgent matter. I greatly appreciate your support and cooperation in resolving this issue.
Consumer complaint received 2024-09-20
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (PA)

I reached out about a letter I received in reference to an old lease ( rent ) which I became XXXX XXXX & had to move to a different place. The debt owed was {$3900.00} @ The XXXX XXXX XXXX. I Was offeredWas offered a settlement of {$1100.00} & I accepted. Today I receved an email stating my debt was paid in full to a completely different place ( account I do NOT own, nor knew about ) & I called XXXX collect and spoke to a XXXX XXXX who refused XXXX listen to the ENTIRE XXXX MIN RECORDED XXXX & stated there was nothing I could do. I am a XXXX XXXX vet on a fixed income of {$1700.00} a month & to have me pay 75 % of my income to a wrong account is illegal and something needs to be done. This can not be legal, I was also threatened with my credit to buy a house, get a loan etc... Please help!!! I will be reaching out to my XXXX rep as well. Thank you.
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (NY)

Formal Complaint Against Santander Consumer USA and XXXX XXXX XXXX for Violations of TILA, Deceptive Practices, and Excessive Interest Rates To Whom It May Concern : I am filing this complaint against Santander Consumer USA and XXXX XXXX XXXX for several violations regarding a vehicle purchase loan. The following legal issues are present : TILA Violations ( 15 U.S.C. 1601 et seq. ) : The APR and finance charge in my client 's loan agreement are not properly disclosed. The finance charge of {$19000.00} is excessive, and the interest rate of 15.49 % was not properly communicated, violating 15 U.S.C. 1638 ( a ). 
Excessive Interest Rate : The interest rate of 15.49 % approaches New Yorks usury cap of 16 %, suggesting predatory lending practices. 
Deceptive Acts ( XXXX XXXX XXXX ) : Hidden fees, such as a {$3600.00} service agreement, were not properly disclosed, violating New Yorks deceptive practices law. 
Improper Security Interest Transfer ( UCC 9-210 ) : The security interest in the vehicle was transferred to third parties without my clients knowledge or consent, violating UCC Article 9.
Consumer complaint received 2024-10-21
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. (NM)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

A kohls capital one credit card was opened in my name on XX/XX/year>. This was the first of many attempts to open credit cards in my name. I disputed all others and all others were found to be fraudulent. I then froze my credit to ensure no others could be opened in my name. I had understood that this card had been resolved, but it was used sometime in XXXX. I realized this when my credit score dropped XXXX points for a late payment I didnt know about. I dont even have a way to pay the bill off if I wanted to. I dont know what else to do, I cant get through to anyone to even cancel the card. I will be taking this to the police as soon as possible as well. Please help. This isnt my account and my credit history shows that Im never late on any other accounts and never have been.
Consumer complaint received 2024-10-03
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: Experian Information Solutions Inc. (SC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OK)

I am writing to bring to your attention fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have become a victim of identity theft and have reported the incident. It is crucial to address this matter promptly, as it has negatively affected my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Iam a victim of identity theft from my x wife i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal and against the law i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with 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 man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked for proof and never mailed or emailed me or called me and this is illegal and the XXXX are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Equifax XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

This is regarding my XXXX credit report. I was recently denied for a refinance loan on XX/XX/XXXX ( a have a private mortgage ) from XXXX  XXXX  based my credit history report from XXXX. ( slow loan payments, bankruptcy, liens, judgments ) I don't have any of this. Also I'm trying to dispute one collection account on my credit report XXXX account was opened on XX/XX/XXXX. I have proof from my bank statements. Account was transferred to calvary portfolio is being reported as opened XX/XX/XXXX XXXX website is not allowing me to dispute because of article 611. my credit score reported by XXXX was XXXX .I have a recent copy of my credit report it shows XXXX? I tried contacting XXXX to discuss the issue but I'm unable to connect to a live agent. I tried XXXX different tel numbers .The website experian.com/ help. Doesn't allow me to file a dispute .I also have another account that was dismissed in court by a judge on XX/XX/XXXX. ( XXXX XXXX XXXX account was transferred to XXXX XXXX XXXX ) I mailed the court stipulation to XXXX via certified mail.and filed a dispute but still is showing as a charged off account on my credit report.with a balance of {$10000.00} also XXXX is reporting XXXX of my accounts that where opened in XXXX as recent negative accounts.this is causing me a hardship because I live with a XXXX son and I need this loan to secure housing.this are the tel # 's. I tried for XXXX. ( I couldn't connect to a live representative ) XXXX. / XXXX there is no way to communicate my issues with XXXX.
Consumer complaint received 2017-06-11
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. (SC)

On my Equifax credit file are  XXXX  unauthorized inquires from. The  XXXX   XXXX   XXXX   XXXX , i have disputed this with Equifax a very long time. I finally got help from a  XXXX   XXXX  representive who agreed to rmove the  XXXX  unautherized hard inquiries dated  XXXX / XXXX /   2016  and  XXXX / XXXX / 2016 , well Equifax took them off for a few weeks and put the  XXXX  unauthorized inquires back on my Equifax credit file.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Equifax Credit Report immediately. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEBT RECOVE In addition, DELETEall non-account holding inquiries over 30 days old.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (VA)

Earlier this year, I received an email informing me that my current Today card would no longer be usable after XX/XX/year>, and that I would be receiving a new card in the mail. However, I never received the new card because the company had an old address on file. I also filed a claim for fraudulent charges made in XXXX, which I did not recognize. I was confused about how charges were being made on the account when I was told it would not be usable after XXXX. 

After providing my new address to customer service, I was assured that my address had been updated and that I would soon receive my new card. However, I still did not receive it. When I called again, I was informed that my address was still listed under the old one. I was instructed to update my address by sending proof of residency to XXXX, which I did. Despite this, I have yet to receive the card or any statements related to my account. 

In XXXX, I paid off the account balance based on the information available on their web portal. During this period, I was also told by a customer service representative that I wouldnt be able to make any payments until these issues were resolved. I expressed concern about the possibility of a late payment being reported on my credit, and she informed me that I would need to dispute it if it occurred. However, this turned out to be incorrect, as I was able to make a payment toward my account, which I did. 

Now, my credit report shows a late payment of 30 days or more for annual fees and interest. I still have not received my new card and have had no access to my account statements to be aware of any fees due. I believed the card had been fully paid off. I have not received any statements, either physically or digitally, and despite trying to access them online, the website will not load them. 

Up until these address issues and the lack of access to my card and statements, I had never been late on this account. This situation began after the card change in XXXX, and I am requesting that this late payment be removed from my credit report. I have contacted customer service multiple times, yet still have not received my card. Despite this, I was charged an annual fee, which led to the drop in my credit score XXXX XXXX XXXX I would appreciate your assistance in resolving this matter. I don't have a card so I don't know my account number, but today when I called them they told me to reference the number XXXX. The last 4 digits of the account number I made my last payment to is XXXX.