davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, 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. (CA)

I have mailed the same requests several times to Experian to no avail.

To : Experian 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. And dont continue to keep putting these back on my credit if you cant validate the legitimacy of these companies. I prepared to take this to court, if I continue to have problems. 


I demand the following accounts be verified with contracts and my signature or removed immediately. 

Name of Account Amount Provide Physical Verification Diversified {$110.00} Unverified Account Diversified {$990.00} Unverified Account Fair Collections {$920.00} Unverified Account * Requesting that you remove all non-account holding inquiries over 30 days old. 
* Requesting that you add a Promotional Suppression to my credit file. 
_______________________________________________________ I dont know the above accounts, nor have I ever had contracts, or business with the above. Out of the 3 agencies, Experian is the most difficult to deal with. They don't follow the federal laws. They have been contacted numerous times to no avail, only additional XXXX of additional paperwork, to which, documents have already been fully supplied to Experian. 

My next course will be to file suit for {$10000.00} in my county for failing to provide the required documents and protection of my consumer reporting file. 

I want them to send me SIGNED CONTRACTS for the above companies. I want my account blocked as requested. Im not sure what they don't understand. 

I send copies of my social security card, drivers license, banking information, police reports, police offer badge # and the discrepancies at hand in copies. 

Tired of playing games with Experian. COURT!!
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2018-03-31
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. (MI)

Hello, In XX/XX/XXXX I  purchased a vehicle. I obtained financing through XXXX XXXX, but recently saw that the dealership must have submitted for approval to more than one lender ( in reality they pulled NINE hard credit reports for me ). My understanding was they would submit a hard inquiry and the best rate was what we would go for. I am so heartbroken to see nine hard inquiries on my credit report, over a year later. My MAIN concern, is that 3 of them have duplicate pulls. 

XXXX ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

XXXX ran a hard inquiry on XX/XX/XXXX And AGAIN on XX/XX/XXXX. 

XXXX ( which I believe to be XXXX   XXXX ) ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

The others ran were : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have read in many places that credit reporting agencies allow hard inquiries for auto and home loans pulled within 45 to 30 days to count as one inquiry on your report, but sadly mine all show as separate pulls of my credit, nine times. This is impacting my ability to obtain fair credit across the board simply because the car dealership I selected shopped around unbenonced to me. Any assistance in how I go about removing or condensing these hard inquiries from over a year ago would be incredibly appreciated. 

Many thanks, XXXX XXXX XXXX
Consumer complaint received 2023-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

OnXX/XX/XXXX, I got my XXXX statement for my Kohl 's credit card. I noticed there was a {$27.00} late fee. I called since I knew my payment was received on time. There was a mistype when I did my pay through bill pay, {$70.00} was sent instead of {$73.00}. The lady ( I can't find the paper where I had her name ) was very nice and said I have a perfect record with them ( never been late before or anything ) and she would refund the late fee. She then said that would make my minimum amount due {$74.00} instead of the {$100.00} the bill was showing. So on XX/XX/XXXX I sent in a {$75.00} payment. I got my Kohl 's bill today and it shows {$140.00} min payment and a {$37.00} late fee.The amount shown as past due was {$26.00} ( basically the late fee minus the extra {$1.00} I sent in ). I called them back today and got a lady with a VERY heavy accent. Even after getting her to repeat her name I couldn't understand what she said ( it started with a G sound ). I explained what happened last month and what I was told to send in. She proceeds to tell me they can't change the minimum due, I was supposed to pay the entire {$100.00}. She said she can waive the new {$37.00} late fee but I will need to pay the full {$140.00} that is due in XXXX. I explained to her that I have never heard of a company not being able to change the minimum amount due. I work in the XXXX XXXX and know that this can be done. I have had this done one time before with another company that there was a mix up on when they posted my payment so they charged a late fee. When I called them they acknowledged the error and refunded the late fee which adjusted my min due back to what it should have been. I asked to speak to a manager and was told that I could not because they can't change the minimum due either. So because of this, I have to pay double what my usual payment is. Which is causing me to have to adjust my budget and take money from my grocery account to cover this. I have closed my account and will not shop at Kohl 's ever again. I have been a card holder with Kohl 's since 2014. In all the years I have had credit accounts, I have never had a company say they can't adjust the min amount due when they are refunding the late fee. I do not feel I should have to pay the full {$140.00} when I was paying what I was told was the amount due for XX/XX/XXXX.
Consumer complaint received 2018-03-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Messerli & Kramer P.A. (WI)

Messerli and Kramer in XXXX, Minnesota are trying to sue me for a possible old debt which I do not remember. They claim it is a credit card and the bill is in my old last name, a name I haven't had since my divorce over 13 years ago.

I do not even remember this and do not even know if the amount is valid. They keep updating the date as if it is a new debt, raising the cost of it and threatening me to sue me at each new job I get. I was on XXXX XXXX due to raising XXXX kids myself and now finally off it but my take home pay is small due to health insurance. I have been a single mom these past XXXX years.

I called the company they are choosing to represent them ( Messerli and Kramer in XXXX  Minnesota a year or two ago for evidence that this is a true amount.

I don't remember borrowing or even qualifying for a XXXX XXXXredit card as my credit rating was low I stated that I need some statement to prove I actually had an account and how much I actually owed, for what. etc. They refused to provide that. They are about to try and sue me again. I have links to prove that they do illegal debt collection acts. I need help to get them to stop!

https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/bank-america-fia-card-services/ http : //skibalaw.com/bank-of-america-fia-card-services-found-to-engage-in-unsound-unsafe-and-illegal-debt-collection-practices/
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank Closed two of my credit cards without giving me any reasons, this is totally nonsense and baseless to close a loyal customer credit who is your customer from last 5 years, doesn't make any sense..

I just received this letter on XXXX XXXX, 2018 that my two of my Citibank Credit Cards ending in 'XXXX ' and 'XXXX ' are closed because I misrepresented one or more billing disputes, doesn't make any sense to me.

First of all, I did not misrepresent any of the billing disputes, if I did, why did they approve it?

This is completely Non sense.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (FL)

This debt appeared on my credit report this month and I never received any notification about debt plus this debt was previously deleted off my report from XXXX  under another debt collector XXXX  ( XXXX XXXX XXXX ) .This company must have sold the debt and it was acquired by DIVERSIFIED ADJUSTMENT XXXX XXXX  XXXX XXXX 2018 {$660.00} .The last company didn't have proof that this debt belonged to me and so it was deleted off my report and by law it shouldn't have reappeared on my report
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC. (NJ)

I purchased a home on XX/XX/2020, and there was no information provided regarding the transfer fee ( {$7000.00} ) or monthly fee ( {$350.00} ) for the country club that the property is apparently part of. I am not sure who to talk to about this, so Im reaching out to you.
Consumer complaint received 2021-12-27
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: Experian Information Solutions Inc. (NJ)

i have previously contacted XXXX, XXXX, and Experian on my behalf through certified mail and requested that all credit inquiries not linked to an active account be deleted from my profile because i do not recognize them and nor did i authorize them. Per consumer law they are not to furnish any information on my credit report without my prior consent, which i did not give.
Consumer complaint received 2021-12-27
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. (IL)

i asked XXXX XXXX if they could correct this problem and they told me they will look into it 4 weeks ago abd still havent heres problem Account info Account name XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Mortgage Date opened XX/XX/XXXX Account status Open Payment status Current, was past due 90 days Status updated XX/XX/XXXX Balance {$90000.00} Balance updated XX/XX/XXXX Original amount {$110000.00} Paid off 21 % Monthly payment {$1400.00} Past due amount - Terms 360 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX On time 30 days late 60 days late 90 days late Data unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Comments Account information disputed by consume im still trying my hardest to try and straighten this out can you help out
Consumer complaint received 2018-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

During the time that I was paying this credit card, I was working two jobs in college and while all other payments were on time. I missed the payment during XX/XX/2016 and it was an honest mistake because I was focusing on school and forgot that I had this bill to pay. I spoke with a representative and they informed me the would be unable to remove the late mark from my report at the time, that is why I am asking for reconsideration now. I have a 98 % on-time history and this incident was about 2 years ago now. I spoke with the representatives around the time and they informed me that they were unable to remove the " late '' payment, now after consideration I would greatly appreciate it if I could have this removed as I have not missed a payment or been late since this time. Not to mention, I was younger and did not understand the importance of credit at the time. I am now trying to increase my credit score and this would help  immensely. Thank you for your time and consideration.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

I changed my Bank of America credit card account to autopay. I was not told that there was insufficient time for autopay to cover the next payment. So unbeknownst to me, the next payment was delinquent and reported as such. Three to four calls to the company asking for this to be corrected in my credit report were to no avail. It is the only late payment I have had in several years.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (KS)

We moved in XXXX of 2018. I forgot that I used my JC Penney card around this time and never received a bill for it. The total charge was {$54.00} if I remember correctly. They sent the bill to my old address and it wasn't forwarded to my new address like everything else. I never got the bill, so I never paid it and had no memory of the purchase since it was so minor and we were concentrating on moving. I paid for a credit monitor service a couple of years after that and discovered this bill that was WAY overdue. I contacted JC Penney and questioned why they didn't call or contact me in any other way ( email and phone number hadn't changed ). They claimed they didn't have this information. I paid it over the phone and closed my account. So, now my credit score is much lower than it should be. I ALWAYS pay off my bills and my family 's bills on time and it makes me sick that a bill that was less than {$60.00} could lower my credit score so much.
Consumer complaint received 2018-03-30
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: Experian Information Solutions Inc. (CA)

I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 
I am challenging them for COMPLIANCE on the XXXX submission process as well as the FCRA
Consumer complaint received 2018-03-30
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: Experian Information Solutions Inc. (CA)

I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 

I am challenging them for COMPLIANCE on the Metro-2 submission process as well as the FCRA
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I sent letters off to the credit reporting agencies and they haven't responded yet, it been over 90 days. I told the credit bureaus to investigate every piece of information on the account I have listed below. 

inquiry : 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 account : XXXX According to the FCRA the term " investigative consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, 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 have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. If they would have done a proper investigation they would have know that these accounts that are listed are accounts that were opened by fraud, due to my personal information that was leaked on the dark web due to the XXXX data breach.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My account with Equifax 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 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.

Equifax 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 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Lexis Nexis is reporting an inaccurate public record. It is a Chapter XXXX Bankruptcy. Also, I have frozen and suppressed my Lexis Nexis Consumer Report, but Lexis Nexis continues to report information without my consent to XXXX, XXXX, and XXXX. My rights are being violated under FCRA.
Consumer complaint received 2018-03-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ideal Collection Services, Inc. (FL)

I am trying to contact ideal Collection Services for the past week. I am trying to move and was advised there is an outstanding balance with the previous apartment complex and ideal is the collection agency handling the debt. I have left message with a XXXX XXXX. This debt is preventing me from getting a new apartment. I would like to handle this issue as soon as possible.
Consumer complaint received 2023-10-29
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. (FL)

Experian XXXX XXXX XXXX XXXX, TX XXXX I am requesting that you remove the phrase below from my credit report and never put it back on again without my explicit permission to do so : Notices This address has pertained to a business : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL, XXXX. 

Attached to this complaint are : - written complaint - screen shot of where its located - drivers license - social security card - address I did not give permission for this to appear and expect it to be removed at once.