davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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. (KS)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thank You
Consumer complaint received 2023-03-24
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: DISCOVER BANK (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also sates a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-06
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. (SC)

I saw unauthorized inquiries on my credit report this morning and don't understand why. Checking my credit report as I usually do, I encountered discrepancies that were not there before. I refreshed my browser, hoping it was just a glitch, but the inquiries persisted. Consequently, I am requesting a detailed review of the documents I have sent to ensure this issue is resolved and doesn't recur.
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

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.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am tired of going back and forth with Experian, XXXX, and XXXX for the same inaccurate information on my credit report for the last 3 years!!!!! 
Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! This has caused me not to get approved into a home and not being hired I have been going back and forth with the bureaus for over 17 months for the same accounts below! I ask that you delete these accounts immediately and I want to get compensated for each violation as stated in 15 USC 1681N!!! These are violations and effecting my everyday life all XXXX accounts are inaccurate as they have date of last activity different with each credit reporting agency as well as other inaccuracies as they are reporting inaccurate dates and amounts for all 3 credit reporting agencies!!! Delete accounts immediately as it states in the FCRA. XXXX XXXX and XXXX XXXX also reports several inaccuracies and need to be deleted immediately from all 3 bureaus. I am completely exhausted of the back and forth and am actively seeking litigation!!!
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I have an American Express Reserve credit card that allows me to choose to not pay in full every month. If I do not, then AMEX can charge me interest. My complaint is that AMEX does not allow any time, after the billing cycles ends, for me to fully pay the balance before they send a balance to the credit agencies. 

Example : my billing cycle ended XX/XX/2023. I made an on-line payment the next day and it credited my account on XX/XX/2023. Yet, they reported to XXXX, on XX/XX/2023 my full balance! Even though I paid it the next day and actually have until XX/XX/2023 to pay without any interest penalty. This " balance '' will now sit in my credit score for the entire month, until AMEX does the exact same thing the following month. With this practice it will always show that I'm carrying a balance that I may not if I made a payment the day after the month closed. AMEX customer service answer today was, " well, you could always make a payment before the billing cycle ends ''. Well of course I could - that's not the question. Why can't AMEX wait a reasonable time period to report a balance to the credit agency 's. 

Why is AMEX allowed to send a balance to the credit agencies without first allowing the customer to pay off the balance AFTER the closing date, but before it's deemed " late ''? 

My monthly AMEX balance is so great that this practice is taking my Credit score below 800 - costing me a higher loan rate.
Consumer complaint received 2023-07-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westcreek Financial (TN)

From XX/XX/2023 to XXXX XX/XX/2023 Ive been getting frequent/repetitive calls from XXXX. I went through them because of some furniture I had bought. I get calls multiple times a days from different numbers but mainly 1 number. I got accepted for a loan for {$1900.00} but only had to use {$1300.00}. I was told I had to pay XXXX every week which is alittle needy. Ive paid XXXX of it so that leaves me with XXXX left. Forgot to mention they are charging me XXXX instead of XXXX. They ran my credit card debt up while I lost my job and providing for my newborn. They made my credit score go low. To the point I couldnt find an apartment to accept me to live. So I paid XXXX of it but now my total is XXXX instead of XXXX
Consumer complaint received 2016-06-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MINNESOTA LIFE INSURANCE CO., THE (IN)

I had a personal loan with Personal Finance Company opened on XXXX/XXXX/XXXX and refianced ( paid in full ) in XX/XX/XXXX. Multiple times, I have contacted Personal Finance Company to report the account information to the Credit Bureaus correctly and multiple times, they have continued to report incorrectly. 

The account was updated on XXXX/XXXX/XXXX ( 2 years and 4 months after it was closed ) and a 30 day late was marked for XX/XX/XXXX. This account was marked a 30 day late when it had been paid/closed/refienced in good standing 2 years and 2 months prior.
Consumer complaint received 2023-03-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (KS)

On XX/XX/2023 I initiated a consumer credit transaction in good faith ( 15 usc 1691 ( a ) ( 3 ) ) to obtain a vehicle for personal, family, and household purposes. I exercised my RIGHT as a consumer to initiate this consumer credit transaction in good faith, but was violated and discriminated against ( 12 CFR 1002 ). There was an offer advertised by the company and acceptance on my behalf as a consumer of that advertised offer, but no benefit, service, or contract has been extended. I also have proof that this agreement took place but no benefits have been rendered. Mercedes-Benz Financial Services used unfair, fraudulent, and deceptive mechanisms to obtain my nonpublic personal information from a non-affiliated third party and never gave me the proper disclosure of the process they were using or a chance to opt-out of the sharing of my nonpublic personal information ( 15 USC 6802 ). Furthermore, MBFS violated me by using information solely as to the transactions and experiences between me and the person that made the consumer report in there Notice of Action Taken and Statement of Reasons, to which I never gave them consent to do, and is also inaccurate and false information that does not reflect my creditworthiness as a consumer. One of the reasons of not extending me consumer credit was because of high payment relative to income but the associate only asked about gross monthly income from one job and never asked if this was my only source of income to account for. You never asked about all of my sources of income so how can this be an accurate determining factor? And how can you tell me what I can and can't afford with my personal income? The end result of consumer credit not being extended to me when I applied for it pursuant to the advertised offer, has been extremely unfavorable, discriminatory, emotionally damaging, and deceptive to say the least.
Consumer complaint received 2023-07-15
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. (MD)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (DE)

I sent out letters to XXXX and Equifax here is my tracking number XXXX however the credit bureaus said that they completed the investigation and everything was 100 % accurate. XXXX also confirmed they received my letter XX/XX/2023. 

According to 15 U.S.C s 1681a Definitions ; Rules of construction The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general repetition personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information, However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to How did they complete this investigation
Consumer complaint received 2024-08-06
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: EQUIFAX, INC. (CA)

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-08-06
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. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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: Spring Oaks Capital, LLC (IL)

I am stating that I have not received any communication from the debt collector regarding the alleged debt. Their failure to contact me directly has caused confusion and concern. I request a thorough investigation to verify the debt 's legitimacy and protect my consumer rights. I urge the debt collector to adhere to relevant regulations and demonstrate due diligence before taking further actions. I seek a fair resolution that allows me to address any valid concerns and upholds my rights as a consumer.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

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.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My account with the company and i was never late! I have had exceptional payment history with this company 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 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company 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 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (IL)

Approximately in XX/XX/XXXX, Discover Card demanded that I send two years of my federal income tax returns to XXXX in order to prove who I was. This was for the Discover Card that I had since XXXX with an initial credit limit of {$8000.00} ( my credit limit was reduced in XXXX after I made substantial payments to Discover and other companies, without late payments ). I was trying to improve my credit rating. This is one problem.Going back to Discover demanding my tax returns in order to know who I was, I refused to comply with that request and discussed my concerns several times with Discover representatives who only replied, " This is our policy ''. I responded, " Discover knows who I am. I have had this account since XXXX and the other since XXXX. Additionally, in XXXX of XXXX, I stated, " Since Discover doesn't know who I am and I can not use the card, send me the {$4700.00} payment back that I just made so that I can continue to pay other cards off that allow me to use my card/s. they refunded me {$4600.00} via an electronic transfer after satisfying the current bill. I called discover back and asked, " How do you credit a {$4700.00} payment to me and return {$4600.00} back to me if you do not know who I am? ". After calling Discover 's Consumer Complaint # about one of my accounts being closed for no reason, they closed the opened account without any notification and stated about the first account closed that they would report that to the credit reporting agencies. As of today, I have not receive any notification that the second account would be closed. I found out when i tried to order a birthday card for my cousin. Closing my account may cause my score to drop. I paid my bills on time and i should not have closed accounts because i do not want to send my tax returns to Discover by way of a third party, especially for accounts that I have had for years.
Consumer complaint received 2023-03-24
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. (GA)

I have made several attempts to correct this issue over the past few years. I last spoke with Experian and XXXX on XX/XX/2023 regarding a charge off account with XXXX in the amount of {$0.00} I I have been informed by this company to contact Experian and XXXX regarding this issue. There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this account.
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I purchased a pair of shoes on XX/XX/2023 from XXXX using my citibank credit card. XXXX is a company that is supposed to act as a middleman to verify the authenticity of shoes. When I received the shoes I tried to verify them myself and I determined they were fake through using a verified XXXX channel that compares real vs fake shoes. The shoes I received were consistent with the fake pair the XXXX was displaying. I submitted a claim to XXXX within their 3 day guarantee they denied it based on saying I did not submit the correct pictures. I believe that this is impossible because you can not click submit on the form until all the requirements are satisfied. Then I tried to resubmit this claim with the shoe company and they denied it. This is when I escalated it to citi bank. After their investigation and receiving information from the shoe company, Citi gave me about a month to respond. In all honesty I had drawn up an email to Citibank on my phone with all the requested information and believed I sent it. However about a month after I thought I sent it I checked the Citibank phone application and they said they never got the email I sent and ruled in favor of the merchant. After asking them to reopen they declined, and now Im responsible for paying to fake shoes that I bought from a company who are supposed to verify that shoes are legitimate.