davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-21
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. (CT)

The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Equifax of this and it is Equifax who should make these changes by removing the inquiries. 

XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Us Department Of Edu Inquiry from XX/XX/XXXX State Us Department Of Edu Inquiry from XXXX XXXX, XXXX State
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My account with 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 those account 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.

) 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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED!!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (PA)

I was in the XXXX  fight for my life with XXXX  from XXXX of 2022 to XXXX of 2022 i had not access to the internet and no one had access to my accounts. we let ally auto know of the dire situation and they agreed to give me grace and pay balance in full upon discharge which i did. they agreed to not mark it as late and further agreed after to remove it from my XXXX  report and they did not. XXXX has removed the late payment and has XXXX percent payment history and i need XXXX  to do the same. ally auto keeps saying they will and havent. please correct this asap as im trying to get approved for a home.
Consumer complaint received 2024-08-26
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)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX XXXX 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 60 days 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. 


) 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! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

This morning, I found unauthorized inquiries on my credit report, and I have no idea why they're there. I routinely check my credit report, but this time I encountered unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the unauthorized inquiries remained. Given this issue, I urgently request a thorough review of the documents I've submitted to ensure I never have to worry about this again.
Consumer complaint received 2024-09-24
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. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-13
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balanced {$9900.00}
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX/2019
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally file a complaint against the credit reporting agencies XXXX, Experian, and XXXX, who have been reporting incorrect information in my credit history. These agencies have repeatedly shared a name and address that do not belong to me. 
My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX  XXXX XXXX, XXXX, GA XXXX. However, the reports issued by these agencies display a name and address that are not mine. This has caused confusion and potentially negative consequences for my credit and financial situation. 
I have attempted to correct this information directly with the credit agencies, but they have not made the necessary changes to my report. Therefore, I am requesting your office 's intervention to investigate this matter and take the necessary steps to correct the inaccurate information on my credit history. 
Please find attached copies of my Driver License, proof of address ( Utility Bill and Lease ), and mu current Credit Report from all three agencies. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/XXXX Amex enrolled me into the following offer The offer to receive an annual statement credit is only available to Corporate Card Members who apply for a new eligible Personal Card. However, as a valued Card Member, we are able at this time to extend this offer to you as a courtesy for your existing Personal Card account. There are additional offer terms that I will now read to you. 
With this offer, you will receive an annual statement credit of {$150.00} for Platinum in each year that you maintain both your current Platinum Account and your current Corporate Card account. The annual statement credit will be posted to your Personal Card account within 8-12 weeks after each anniversary date of your Personal Card Membership, starting after your next anniversary date. To be eligible for the annual statement credit, both your current Platinum account and Corporate Card account must not be cancelled or past due at the time a statement credit is posted. 

On XX/XX/XXXX, an Amex rep confirmed that I would receive the credit within 12 weeks of renewal. On XX/XX/XXXX I wanted to cancel my card but since I would receive a credit of {$150.00} on renewal, I decided not to cancel my card. On XX/XX/XXXX when I contacted Amex, the representative made up excuses for the missing credit. First he said that I didn't apply for a new card ( I pointed out that the rep enrolled me for an existing card ), then he said I didn't wait for 12 weeks ( I did ) and finally made up that XXXX XXXX XXXX cards are not Platinum cards and are ineligible. When asked why 1. The initial rep enrolled me into the offer even though it wasn't " supposedly '' a Platinum card? 
2. Where it said that it was excluded in the terms of the offer? 

the rep had no answer. He made up things like oh we see this only internally and XXXX XXXX XXXX is not a Platinum card ( even though Amex markets it boldly as " The Platinum Card from American Express Exclusively for XXXX XXXX '' at XXXX : XXXX I was escalated to someone claiming to be a supervisor but that person was worse than the non-supervisor rep. All that person did was tire me out by waiting 10s of minutes between responses and pasting the previous reps statements word to word or random boilerplate platitudes.
Consumer complaint received 2024-09-24
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. (NY)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts without my written instructions 15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-13
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)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am in disagreement with the item l below which still appear on my credit report, even after your XXXX. I would like this item immediately re-investigated. This inaccurate information is very detrimental to my credit rating. 
XXXX XXXX XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting.
Consumer complaint received 2024-08-13
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)

I was completely taken aback this morning when I saw inaccurate accounts on my credit report, and I have no idea how they got there. I checked my report like I always do, but this time, out of nowhere, there were errors. I even tried refreshing my browser, hoping it was just a glitch, but the inaccuracies stayed. Im really shaken by this, and Im asking for the documents I've sent to be thoroughly reviewed so I can finally have peace of mind.
Consumer complaint received 2023-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (SC)

XX/XX/XXXX To whom it may concern, Re : Discrepancies in billing and credit reporting by Comenity Bank I am writing to formally address a concerning matter regarding my account with Comenity Bank linked to my transactions with XXXX. In XX/XX/XXXX, I made a purchase of {$100.00} from XXXX. Immediately after receiving the purchase, I returned the items and awaited my refund. Instead of receiving a refund, I was charged interest and non-payment fees by Comenity Bank. I became aware of these unjust charges in XX/XX/XXXX when Comenity Bank posted a payment exceeding {$200.00}, despite not having made any additional purchases from XXXX. 

Upon contacting XXXX, they confirmed that my refund had been sent to Comenity Bank and even provided me with a statement to this effect. Despite XXXX 's affirmation, Comenity Bank failed to process my refund and continued to add unjustified interest to my account. 

I took my concerns to the XXXX XXXX XXXX XXXX XXXX XXXX and filed a complaint ( ID XXXX ) against Comenity Bank on XX/XX/XXXX. Instead of a rightful resolution from Comenity Bank, they added further injury by reporting delinquency to XXXX on XX/XX/XXXX, resulting in an unjustified decrease in my credit score. 

The letter I received from Comenity Bank dated XX/XX/XXXX, contained several inaccuracies, with a final statement saying I owe an amount of {$30.00}. Wanting to put this matter to rest, I paid the stated amount, hoping it would end my association with Comenity Bank. Contrary to my expectations, I am still receiving statements from Comenity Bank indicating that I owe {$71.00} and claiming I have an active account with XXXX, as of XX/XX/XXXX even though my account was closed and fully paid off. 
I have always prided myself on maintaining an exemplary credit record, and it is deeply distressing to see it tarnished due to no fault of my own. I implore the relevant agencies to thoroughly review my credit history and contrast it with this singular unfortunate experience with Comenity Bank. 

.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.