davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the XXXX XXXX XXXX XXXX. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an XXXX XXXX XXXX. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX  XXXX XXXX {$1900.00} XXXX XXXX Balanced {$4400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-05
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. (CT)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2020-06-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

In XXXX I had back XXXX and I was unable to work. The pain was so severe I had to move out of my apartment. When I moved, all XXXX XXXX XXXX equipment was returned to XXXX XXXX XXXX via XXXX as they instructed. I was shocked when I found out that XXXX XXXX XXXX was claiming that I still owed money. I asked them to provide a bill breakdown of what was owed when I returned the equipment and paid everything owed to them. To this date, they never provided a breakdown and forwarded the alleged outstanding balance to a debt collector, CREDENCE RESOURCE MANAGEMENT # XXXX, {$440.00} alleged amount owed. 
I am now trying to buy a home and this account is damaging my credit score. My loan originator and I called the debt collector today, XX/XX/XXXX,, XXXX and informed them that I was buying a home and they were reporting an alleged debt that I disputed already with XXXX XXXX XXXX. I spoke to XXXX XXXX and then XXXX, his supervisor. My loan officer informed them that they were affecting the interest rate I would receive by reporting an inaccurate account on my credit report. They refused to delete it even though I returned all the items to XXXX XXXX XXXX. This is going to make me pay a higher rate and have to pay more at the closing table for the rate. I don't owe this money and the debt collector has no right to report on my credit report because CREDENCE RESOURCE MANAGEMENT is not a creditor and has never provided to me any type of credit. They admitted as much in the call and they also admitted that they can not allege the amount owed because they are not the creditor and they did not even have the information that this was already disputed over the phone with XXXX XXXX XXXX. I do not owe this money and CREDENCE RESOURCE MANAGEMENT is trying to extort money from me by reporting an inaccurate account to the credit bureaus. If they have done this to me, they are doing it to others.
Consumer complaint received 2024-09-05
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. (NY)

The name XXXX XXXX XXXX and the address below is incorrect : XXXX XXXX XXXX, XXXX XXXX NY XXXX This has never been a personal address of mine. It is identity theft.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update the late payments from my consumer reports
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: EQUIFAX, INC. (MI)

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 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (GA)

I have requested that XXXX remove an unverified account that has been placed on my credit report from National Credit Systems. I have no agreement with National Credit Systems and requested a Cease & Desist previously. The company never provided any verification information before placing this account and still placed the account after I requested them to cease & desist. I informed XXXX  and XXXX  of this error and the account is still reflecting on my account. It is my right to only deal with the original creditor and not a collection agency that I don't have any kind of income agreement with.
Consumer complaint received 2020-06-11
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX {$0.00} XXXX {$1200.00} XXXX {$0.00} XXXX {$1200.00} XXXX {$7300.00} XXXX {$54000.00} XXXX {$2000.00} XXXX {$1900.00} XXXX {$1200.00} XXXX {$1100.00} XXXX {$3300.00} XXXX {$580.00} XXXX {$2800.00} XXXX {$0.00} XXXX {$0.00} XXXX {$15000.00}
Consumer complaint received 2017-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have multiple credit inquiries that I did not authorize. I have contacted Transunion,  XXXX , and   XXXX    to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating
Consumer complaint received 2017-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

I disputed a claim with Chase bank for a  XXXX  transaction through  XXXX   XXXX  that was a scam because I did n't get what I paid for so Chase sent me a credit of  XXXX  and then they took the money out of my account again because they could n't reach a comrpromise with  XXXX   XXXX  which is wrong because it 's my hard earned money
Consumer complaint received 2020-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX
Consumer complaint received 2020-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$390.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}
Consumer complaint received 2020-06-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX balance billed be for an emergency room visit on XXXX. 
According to the EOB from the insurance company I should not have been billed. 
I called and was told not to worry it would be adjusted on the next statement. Received a few more statements, then stopped receiving anything. 
XX/XX/2017 I receive a letter from a lawyer regarding this same bill. I did not initially remember so I disputed via fax and asked to send supporting documentation. I received nothing and sent another fax on XXXX stating that I had not received anything and considered the case closed. 
XXXX I receive a notice from XXXX XXXX XXXX XXXX I called and spoke with XXXX XXXX found out what it was for. Called XXXX XXXX and questioned about it.I spoke to XXXX who informed me that I shloud not have been balance billed. Followed up several times and was told that the " XXXX XXXX XXXX '' XXXX XXXX would be notified and would have to pull it from collections. 
I followed-up several times with XXXX I spoke with XXXX and his supervisor XXXX who all promised me that it was being escalated and it would be pulled from collections. 
I called XXXX back on XXXX and spoke with XXXX XXXX and asked her to call XXXX to verify - she refused to call. 
It showed up on my credit report and I disputed it. It was removed. 
I did not hear anything further. 
On XXXX I got an alert that there was a change in my credit report. 
XXXX XXXX XXXX added a collection to my credit report and it tanked my credit 19 points. I immediately called XXXX at XXXX XXXX  - XXXX XXXX - no sound I called back and spoke with XXXX XXXX who could not find anything using my SS # or my last name. I was transferred to XXXX XXXX who told me this was from a hospital visit on XXXX. I informed him that this was already resolved years ago. I also asked why they never bothered to send me something in the mail, but instead hit my credit report. He claimed that they did not have to. He gave me an email to send the proof that I did not owe this. 
The insurance I had at the time was XXXX XXXX which was dissolved in XX/XX/XXXX. I have tried to contact them regarding a copy of the EOB to prove that I should not have been balance billed because I have pulled these papers out so many times, I can not find the original EOB. 

I also intend to write to XXXX and the XXXX Attorney General. 

I pulled out what ever I could find from XX/XX/XXXX and called XXXX XXXX again, this time I spoke with XXXX XXXX who told me that indeed their records show that this was supposed to be pulled back from collections. She was going to escalate it to her boss XXXX XXXX so that XXXX the " Credit Agency Liason '' could remove it from collections. 

Midwest, even though I told them that this was not owed, hit my credit again on XX/XX/XXXX this time with a late payment so yesterday my credit tanked another 9 points. 

This is a nightmare of illegal billing.
Consumer complaint received 2020-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (VA)

I work for XXXX  and I wanted payroll direct deposit with my Bank PNC. Unfortunately, everytime I try to use the XXXX App to initiate the direct deposit, PNC rejected. I call them and they told me that I have to do the old fashion way thru routing number and accounting. XXXX does not use it. Dear CFPB, Could you tell me bank to stop blocking XXXX from depositing my payroll check into my account. XXXX XXXX.
Consumer complaint received 2017-05-31
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. (OH)

I have multiple credit inquiries that I did not authorize. I have contacted  XXXX ,  XXXX , and Equifax to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

I have Contacted Synchrony Bank to request for them to remove wrongful late payments that have been reported unfairly on my credit report. I explained to them that I had been working hard to fix my credit and paid a lot of money to Get my scores up and having them report a late payment on my credit report affected my credit by over 60 points. It Also ruined my chances of a better job. They have refused to do anything about the matter. I made them aware that the account was paid on time and in full before the reporting late dates. I requested a letter stating that there was not a late payment in the month of XXXX since the account was paid off in full before reporting dates and they refused to assist me with that as well.
Consumer complaint received 2020-06-11
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. 
XXXX {$2800.00} XXXX {$8800.00} XXXX {$1200.00} XXXX {$520.00} XXXX {$3800.00} XXXX {$19000.00} XXXX {$3500.00} XXXX {$0.00} XXXX {$620.00} USDEPTEDXXXX {$2300.00} USDEPTEDXXXX {$4000.00} DPTEDXXXX {$4000.00} XXXX {$2000.00}
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NY)

XXXX   XXXX  has a collection against me showing up in my credit report on behalf of  XXXX  indicating that I owe {$740.00} which is incorrect. I have no knowledge of this account, I do n't even use  XXXX  I use  XXXX . I want it removed its damaging my  credit score. Its been there for almost a year now. Please help !
Consumer complaint received 2017-05-31
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: EQUIFAX, INC. (CA)

I have disputed  XXXX  on my credit report with Equifax  XXXX  and   XXXX   multiple times with no proper response or investigation or re investigation. I am asking once again to have  XXXX  removed from all  XXXX  CRA, unless they can show just cause. The loan from the start was a bad loan at the beginning of the meltdown.     The loan started with  XXXX    XXXX   the day they collapsed. Then was handed off to.      XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  these  XXXX  were shut down by the federal Government,   XXXX   XXXX   XXXX  , and Last  XXXX . who Serviced the loan who actually held legal title will more than likely never be known. Unless there is a legal documented paper train for this loan I respectfully demand that it be removed. I am seeking legal advice as to more than likely illegal foreclosure and credit reporting.     Please provide legal documentation or remove from my credit report.
Consumer complaint received 2017-06-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds! <P/>It is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a deadbeat, because I refused to allow someone else to cheat me??
<P/>I just finished a call with XXXX. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Jet Direct Funding Corp (NY)

i have applied with mortgage broker, he send me the CD has Jet direct funding corp .     his origination charges are {$6100.00}. the loan officer took {$25.00} K check from me as down payment to my attorney. he chose the attorney and did not give me his info. i have never spoke to my attorney or know who he is.     loan  officer  is refusing to cancel my deal, i wanted to go to another bank and will not give my my {$25.00} K back.
Consumer complaint received 2020-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account removed immediately. 

XXXX XXXX XXXX XXXX Balance {$810.00} This account was removed from my credit report last year and it was added back to my credit report without providing me with the Consumer Contract with my Signature on it. 

Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF THE WEST (UT)

Bank of the West : XXXX XXXX I paid this account off almost a year ago and they are still reporting and updating my credit report with an open balance.The company is currently in violation. This needs to be fixed immediately. This has been negatively affecting my credit score over this past year. Remove this negative account off of my credit report.
Consumer complaint received 2021-02-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (FL)

I am a victim of identity theft. I have reported this event to the federal trade commission. I have never signed for a car loan, promissory note, or any type of instrument nor have I received anything of value or value said owed. I have suffered irreparable harm from these fraudulent actions. FTC report number XXXX
Consumer complaint received 2024-10-18
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. (OH)

On XXXXXX/XX/year> I sent a request to XXXX XXXX, Experian, and XXXX advising them that I wish to Opt-Out per 15 USC 6802b , 16 CFR 313.7a, 12 CFR 1016.7a ( 1 ) ( 2 ) on the accounts listed below and no one has responded to me as of today. 

XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX