davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : USDOE/GLELSI XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00}
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On my credit report from XXXX  it has a negative mark for an insufficient number of accounts that are currently paid as agreed/Number of accounts currently being paid as agreed XXXX accounts. I have 6 accounts that are all being paid as agreed and on time as of XX/XX/2021 It is also showing there is no recent activity on credit cards and/or bank issued open-ended accounts however I make monthly payments on all the accounts how is there no activity? This is dated as of XX/XX/2021 There is also 1 collection showing on my credit report from XXXX XXXX for {$520.00} but it is paid 100 %. I wasnt aware of this account before I paid it off so it gives me 2 negative marks one for collection and one for late payments. I want this to be removed from my report. This is dated as of XX/XX/2021.
Consumer complaint received 2020-10-28
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. (TX)

XXXX XXXX XXXX XXXX Potentially Negative Status Account charged off. {$910.00} written off. 
Account Type Unsecured Balance {$910.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXXXXXX Potentially Negative Status Account charged off. {$14000.00} written off. 
Account Type Auto Loan Balance {$3400.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Account Type Debt Buyer Balance {$450.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX XXXX Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$800.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX  XXXX XXXX XXXX XXXX Dispute - Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 1XXXX U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2021-08-25
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-05
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. (CA)

XXXX XXXX has sold my account to XXXX XXXX XXXX ( XXXX ) for collections. I have disputed this account with all credit bureaus. This account was paid in full through my XXXX bank account on XX/XX/2018 before account was even sold to XXXX. I have mailed proof of bank statement certified mail to all credit reporting agencies TransUnion, XXXX and XXXX  as well as XXXX. Please assist me in seeing that this issue is resolved and account is removed from my credit file.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (VA)

My debit card was compromised they closed the car that down issued me a new one there's a {$150.00} charge go through my account from jail for a XXXX XXXX I do not know this man I disputed this on XX/XX/XXXX they told me after 10 days if they had not resolved his they would have to make a provisional credit the provisional credit should have been s*** been issued by XXXX  on XX/XX/XXXX it did not happen I called the bank repeatedly daily I have emailed I have done everything I can do I got my water Disconnected by giving my money away I had blood poisoning can't even wash the leg off the count the bank but this money go now they're refusing to cover me and her FDIC guidelines they assured me I would have a provisional credit on XX/XX/XXXX by XXXX XXXX  this is now the XXXX of XXXX at XXXX XXXX I still don't have this credit but I hear now is we have a resolution by XX/XX/XXXX I can't go without water for three months please as it's nice to give me the provisional credit ASAP for I can withdraw with and pay my water bill and get my water back on I beg of you please help me my name is XXXX XXXX address to XXXX XXXX XXXX XXXX Virginia XXXX my date of birth is XXXX XXXX last four of my social is XXXX Flash Forward the card and now have is XXXX you can publish is the please remove my personal information as I am a victim of identity says right now
Consumer complaint received 2021-08-25
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. (PA)

BMWFinancial in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

15 USC 1692b ( a ) ( 2 ) XXXX XXXX was never written consent by me to report any of my information to the credit bureau 2. 15 USC 1692d ( 1 ) XXXX XXXX has harassed the physical person damaged my reputation and stole my property. 
3. 15 USC 6802 ( b ) ( 1 ) ( a ) I was never given a clear and conspicuously disclosure that such information may be disclosed to a third party.

4. 15 USC 80a-33 XXXX XXXX has willfully mutilated my account Experian and XXXX  are both in violation of 15 USC 1692b ( a ) ( 2 ) I never gave written consent for them to report any of my information
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I want to place a freeze on the XXXX XXXX XXXX XXXX, Equifax, XXXX, and XXXX that provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a dispute letter to XXXX XXXX XXXX and all 3 credit bureaus. My account has 7 inaccuracies. It is well over 30 days again and the account still has 7 accuracies and nothing has been updated or removed.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

HAVING DISPUTED FOUR TIMES NOW THERE ARE MANY ACCOUNTS LISTED ON MY CREDIT FILES THAT I MYSELF HAVE NEVER HAD AND NEED TO BE REMOVE ASAP.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AL)

I tried to plead with Wellsfargo to take off the late payment they posted on my credit report for XXXX and XX/XX/2020. 
During the pandemic, sometimes in XXXX, wellsfargo called me and asked if I wanted to suspend my mortgage payment, but I opted to keep on paying since I was still working. Sometimes around XXXX, I had my employees quit when they got their stimulus check. I was forced to work open to close, and I couldnt make a trip to the bank. My sister was helping me make a partial payment of {$670.00} every month, and I was supposed to pay the remaining bal. I tried to make payment online, but I realized that their system wouldnt let me make a partial payment online. I tried calling them few times to make payments, but I was kept on hold for up to 2 hrs sometimes just for the phone hang up. I got a hold of a lady once and the time we get they with the payment process, the phone hung up. I checked my acct a couple of days later, and my money was still in the acct. 
with all these difficulties going on, I decided to wait til I get thru hiring my staff, then make a payment of the due balance. At that time, I knew wellsfargo was not reporting late payments. 
I finally got my business in order, hired my staff, went to the bank, and paid the full amount I owed Wellsfargo to make my acct current. 
Not too long ago, while I was trying to get a car, I was surprised to hear that they will not finance me because I was recently late on 2 payments on my mortgage. 
I called wellsfargo several times to make them erase these late payments off my report so I can get me a car, but they refuse to do so. 
Im working on my credit righ now, and this my 12th month making all payments on time. And these 2 late payments are messing it all up for me. I need Wellsfargo to remove them off my credit because they are part of the reason payments were not made on time. Thank you for your help
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While I sought relief under Chapter XXXX Bankruptcy filed inXX/XX/XXXX and Discharged in XXXX. The obligation with XXXX survives the discharge and since they reported prior to the BAnkruptcy, Bankruptcy code says they must report after the discharge since I am liable and paying this obligation. Mortgagees are treated differently and as secured loans iunder Chapter XXXX and continued to be paid outside the repayment plan. 

Mortgages arent discharged In Chapter XXXX, your liability on your mortgage is an exception to the discharge. 

The mortgage loan is not discharged as a personal obligation. 

And therefore, there is no legal bar to the servicer reporting your payments, and every danger should they not report. 

Heres the part of the Bankruptcy Code that excludes long term debt like your mortgage. 

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due ; So, among the debts excepted from the Chapter XXXX discharge is a secured claim with a payment schedule that extends beyond the life of the Chapter XXXX plan. 

Servicers obligation to report Put simply, if a creditor reported to credit reporting agencies before the bankruptcy was filed, then there is an obligation to report after the bankruptcy.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Hello, I am trying to apply for a Home Loan, XXXX  Credit Score was XXXX  on Experian, and they dropped it by 26 points for just one account credit card, which is my XXXX  XXXX  XXXX. I just had a {$100.00} purchase on {$2800.00} credit limit. This is very unfair, now I have to wait for another month and the house I wanted to acquire is going to be gone. I called their customer service, there is no live person, the automated system has no option to speak with a live person. This is horrendous, all my other Bureaus are over XXXX, Experian has some faulty algorithms, I feel they need to be checked and vetted.
Consumer complaint received 2021-08-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SLM CORPORATION (MD)

Sallie Mae Bank shared my personal information with debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX shared my personal information with debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. filed a lawsuit on XXXX XXXX XXXX behalf then XXXX, XXXX, XXXX, XXXX, XXXX. shared my personal information with XXXX, XXXX XXXX XXXX XXXX. 
Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive proper proof from Sallie Mae Bank, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or XXXX, XXXX XXXX XXXX XXXX. that approval to collect on the alleged debt was approved in accordance to the UNITED STATES code listed above. Pursuant to 18 USC 1028A ( a ), " Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. '' and as such, Sallie Mae Bank knowingly transferred my personal information without my lawful authority to debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX illegally shared my personal information with debt XXXX XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. illegally shared my personal information with XXXX, XXXX XXXX XXXX XXXX. and all obtained and are in possession of my personal information without my lawful authority and XXXX, XXXX, XXXX, XXXX, XXXX. and XXXX, XXXX XXXX XXXX XXXX has used such information and illegally attempted to collect an alleged debt.
Consumer complaint received 2022-11-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

My PayPal account ( XXXX ) was Parmanently limited yesterday with my money. PayPal had asked me to provide documents to prove that the account is mine. I submitted the documents that they requested. After some few minutes they Parmanently limited my account claiming I have been engaged in risky activity which is not true. I had used my account only twice to receive money from my friends. I can't understand why they messed me up and give me very petty reasons. The account is mine and the documents submitted are mine and I can prove that at any time.
Consumer complaint received 2023-04-15
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. (PA)

There is a reporting on my Experian credit report that has exceeded the 4 year statute of limitation that should have been removed. There has been no activity on this account for over 6 years. It is being reported as XXXX XXXX XXXX. They keep reporting every month and updating it after my repeated requests to Experian to have it removed. I've filed numerous disputes to no avail. They refuse to remove it.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

These companies are reporting information in regards to a name, bankruptcy and addresses to the credit bureaus that do not belong to me. Despite disputing several times, Lexis Nexis, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX have refused to delete this information from my reports resulting in my credit profile suffering tremendously.
Consumer complaint received 2021-08-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I have been trying to reach the bureaus and I'm having a hard time getting a hold to someone about issues pertaining to my credit file.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

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

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2021-08-25
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: Revolution Financial Inc. (NV)

On XX/XX/XXXX First Money Unlawfully obtained my consumer report without my authorization or a permissible purpose. I have not initiated any transactions with First Money nor do I have a an account under collection or review with First Money. 
On XX/XX/XXXX I sent First Money a Notarized Letter Certified Explaining the Unauthorized Inquiry as well as a demand for a {$1000.00} settlement.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> i do NOT recognize these credit collections and inquiries and l have ask them to be removed and the creditor did NOT remove them. i am providing an identity theft report and i am requesting that they be remove/deleted because they are inaccurate and not mine due to fraud 15 USC Code 1692 b Account involved in litigation.