davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: A-L FINANCIAL CORP (CA)

Your Company : A L FINANCIAL CORP is furnishing inaccurate information to the consumer reporting agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes.

The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s2 of your responsibilities as a furnisher of information A - L FINANCIAL CORP XXXX  Balance
: {$1700.00}.
Consumer complaint received 2023-11-27
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. (DC)

On XXXX  unauthorized inquires was discovered on my Equifax credit report. When I contacted the creditors Burau listed above, they said " they can't remove the inquires. And said there are no such accounts or inquires on my report.
Consumer complaint received 2023-12-19
Product: Credit 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. (NJ)

For history purposes, I rented this jet ski on XX/XX/2023 for my birthday in XXXX XXXX XXXX. The jet ski that I was given was pretty scratched up ( as shown on the attached pictures ) and they didnt do a walk-around like they would in a car rental establishment to assess damages that were on the vehicle before rental, but I did not think anything of it. When I came back from the jet ski adventure an hour later, they started pointing to the scratches on the vehicle, and I said those were on the jet ski when I rented the vehicle. They then said, see these scratches are wet and were just done. I said that is stupid, the jet ski is in the water of course the scratches are wet, we argued back and forth and they told me the damages, and I said no way am I going to pay this and me and my family left and then I reported this to Citibank the moment I came back home. The gentleman I spoke to understood, that this is a common scam that happens to multiple people ( see four reviews attached just this year that show a pattern of doing this to people and link to reviews below ). I have also included a copy of the contract that I signed for your review. 

https : XXXX Further, I have attached a picture of what a brand-new jet ski would cost in Mexico which is way more than the damage they accused me of causing. After speaking to the Citibank representative, I was so sure this would be handled by Citibank as this is a commonly known scam that I thought Citibank would recognize. I am disappointed in Citibank that I should have to go to such great lengths to prove myself innocent and that I dont have any protection from people like this.
Consumer complaint received 2024-07-01
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. (GA)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-30
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: DISCOVER BANK (NC)

My mother has an credit card account with Discover Card and it's reporting on my credit report with all three reporting agencies. It's not bad credit but showing up on my account as maxed out and hurting my score. I have never authorized nor signed any paperwork with or without a wet signature approving. I have never made a charge on this account nor had my own card. I have reported this three times and keeps coming back as reporting correctly. My mother finally contacted Discover Card and they closed the account for me. I am trying to build my credit to buy a house and start my own life. I have not received any letters from none of the reporting agencies with any information, only when I go to XXXX it showed the results. I need help, please.
Consumer complaint received 2023-12-01
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)

This is my endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
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. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Continental Services Group, Inc. d/b/a ConServe (NC)

I attended XXXX XXXX for a very short amount of time, maybe only one semester. I am trying to attend another college so that I can actually have a decent job and afford to pay my loans make. They are holding my transcripts which are needed to attend any college. This is holding me back from being successful. If they don't release my transcript by XXXX, I will have to wait all the way until XX/XX/XXXX to get into the program I want to get into just for classes to not begin until XX/XX/XXXX. I do understand that starting in XX/XX/XXXX colleges can no longer hold transcripts but I can't wait that long. I have all the classes needed and they are holding me back from making money and helping my family and it's sad. They won't accept my offer to create a payment plan to release my transcript right away. Instead they want the full {$4700.00} balance to be paid. Please help.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

Chase has a misleading payment visual for their credit card system that clearly generates accidental late fee revenue for them. 

if you attempt to pay your credit card, after selecting the amount, you click on a button that says " Pay this bill. '' You then receive what looks like a confirmation page but there is a second button if you scroll down that then says " Pay it. '' If you do not click on this second button, your payment will not go through. 

I have informed them multiple times that this generates confusion. I believe they have done it as purpose to generate revenue and that it should be considered a deceptive business practice. It's designed to make you think you have paid your bill when you have not so that they can charge you late fees.
Consumer complaint received 2024-07-01
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. (MN)

Thank you for addressing some of the errors on my credit file. However, I believe the remaining accounts still need review to ensure they meet the Fair Credit Reporting Act standards for accuracy. I am requesting another investigation of the accounts listed below to verify their accuracy : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9200.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$27000.00}. If your investigation can not confirm the accuracy of these accounts, please update them accordingly. Also, please send me the details of the procedure used to verify the information to the address provided.
Consumer complaint received 2024-07-01
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. (MO)

Again, I was a victim of XXXX XXXX and this is another request to remove the information from my credit file resulting from alleged XXXX XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-27
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. (TX)

I HAVE AN ACCOUNT REPORTING ON MY CREDIT FILE THAT I DISPUTED WITH THE CREDIT BUREAUS SEVERAL MONTHS AGO AND I STILL HAVE NOT HEARD BACK FROM THEM REGARDING THIS ISSUE
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
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. (NV)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-07-01
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. (VA)

My account with XXXX XXXX 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 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 on those accounts 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. XXXX XXXX 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 2023-12-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

FIFTH THIRD BANK forged a signature on a digital duplicate of my sales contract, thats between me, XXXX and XXXX. You can CLEARLY SEE that FIFTH THIRD BANK had crossed out a signature from XXXX and digitally added the name of their bank and a random signature that I do not recognize and did not authorize... there is no date associated with these signatures that they recently forged and there is no original, notarized, legally obtained document that had FIFTH THIRD BANK on it at all. ALL CLAIMS FIFTH THIRD BANK HAVE ARE NULL AND VOID, THERE IS NO CONTRACT, AND I FIRMLY EMPHASIZE MY DISGUST AND COMPLETE SUPRISE THAT THEIR ILLEGAL ACTIONS have been ignored and seeming accepted by CFPB and I demand remedy. FIFTH THIRD BANK hasbwilfully commited securities fraud, forgery, violated many U.S. codes, as well as lied and attempted to defend their actions rather than correct them...

On the document I uploaded you can CLEARLY SEE, the absence of FIFTH THIRD BANKs signature ... ... this is very illegal ....
Consumer complaint received 2021-07-23
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. (FL)

EQUIFAX HAS NOT RESPONDED TO A CREDIT DISPUTE SUBMITTED TO EQUIFAX ON XX/XX/XXXX,, 2021 AGAINST XXXX XXXX. I HAVE PREVIOUSLY CONTESTED THIS INCORRECT DELINQUENCY REPORT WITH XXXX XXXX  DIRECTLY IN XX/XX/2021. XXXX XXXX  REFUSED TO CHANGE THE INCORRECT DELINQUENCY CITATION. I AM REQUESTING THAT EQUIFAX INVESTIGATE THIS AND CORRECT THEIR FALSE DELINQUENCY REPORT ON THE XXXX, 2021 LEASE PAYMENT A/C # XXXX. 
XXXX XXXX, XX/XX/2021 2021
Consumer complaint received 2024-07-01
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. (HI)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-01
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. (MO)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-01
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. (NY)

I recently checked my credit reports and noticed multiple billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2023-09-22
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: Navient Solutions, LLC. (NY)

Navient is completely covering up errors that representatives made providing misinformation that cause a negative hit on my credit report significantly impacting my credit score.

Completely inaccurate information. It was confirmed by a manager that it is documented and recorded that a representative from Navient advised me to MAIL in forms for consolidation and that they were sending me forms years ago and that was incorrect information. They have documented that they said they dont know why I was told that because there is no record of them mailing me forms but recorded and/or documented that they said that yet typo are acting like that was NEVER COMMUNICATED TO ME BY YOUR MANAGEMENT IN XXXX OF THIS YEAR. You are completely ignoring ALL the documented misinformation I received that was recorded and noted. You mention legal requirements but you are completely unethical if you are not even acknowledging what your own managers have acknowledged on a recorded line. You investigation is BIASED, INACCURATE, EXCLUDING PERTINENT INFORMATION THAT HOLDS YOUR REPRESENTATIVES LIABLE AND YOU REPEATEDLY BLATANTLY IGNORE IT. Your company represents the poorest of ethics and I conduct investigations and all findings should be included if relevant and ALL I HAVE SHARED HAS BEEN RELEVANT. This is an extremely poor representation of your department and this company as a whole. I completely believe you are intentionally creating hardship on people like myself and it is a gross representation of professional business practices! Extremely poor. Complete Misrepresentation!!
Consumer complaint received 2024-07-01
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. (VA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I recently checked my credit reports and noticed multiple billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error