davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-24
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. (ME)

Some how my wife and I without our knowledge was put on as authorized users on a account which we had no knowledge about through XXXX XXXX, we finally got a letter stating that we had been removed from said account in a letter XX/XX/2019 and it stated they had informed us we was removed XX/XX/2019 however my credit score is still -91 points
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made a credit card payment on XX/XX/XXXX. The payment is due on the XXXX, and I made a payment for the full balance on XXXX XXXX. Then the Capital One credit card charged me a late fee, even though the payment showed posted to the account on the XXXX. I called them and they said it was a processing error. XXXX, at Capital One, said it was already correct, but it was not. Capital one charged me an invalid late fee and lied about it.
Consumer complaint received 2024-06-10
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)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 2024-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-19
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AZ)

On XX/XX/XXXX, at the Victoria SecretXXXX XXXX ( XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX ) I was offered the VS XXXX. I informed the store worker that I was going to be out of the country for the next month and I didn't want to get late fees. This person told me that I could pay for the balance online or over the phone. I accepted the credit card offer and made a purchase for {$83.00}. Still at the store, I asked to pay the balance of {$83.00} with a debit card to avoid late fees because of my upcoming trip. I was told this was not possible, but since it was going to take up to a week to process the credit card request, I would have more than a month to pay the balance. 

As per my phone call records, on XX/XX/XXXX, XXXX XXXX  AZ time, I paid {$83.00} over the phone using the number ( XXXX ) XXXX from my XXXX XXXX checking account. 
In my XXXX XXXX statement it appears as : XX/XX/XXXX COMENITY PAY VI PHONE PYMT XXXX XXXX XXXX XXXX XXXX. 
Back in the US. 

I received a paper statement from VS XXXX with a late fee of {$30.00} that was charged on XX/XX/XXXX, less than a month from my original purchase. THIS LATE FEE SHOULD NOT BE APPLIED SINCE I PAID THE FULL AMOUNT ON XX/XX/XXXX. 

Still, I went to the VS Comenity XXXX website, and paid the {$30.00} fee using a XXXX Checking account. After hitting the button to authorize the payment, the VS Comenity website showed a " wait '' symbol for a very long time. I assumed then the payment was done. 

On XX/XX/XXXX, while reviewing my online accounts, I saw my VS Comenity XXXX showed a balance of {$63.00}. I saw that my previous payment of {$30.00} was returned for an unknown reason. I attempted to pay the {$63.00} balance on the VS Comenity website using my XXXX Checking account. The VS Comenity website again showed a " wait '' symbol for a very long time after hitting the authorize payment button. 

This time, I closed the unresponsive webpage. I logged into my VS Comenity account again and repeated the payment attempt, but it returned an unresponsive webpage. I then added my XXXX XXXX Checking account and routing numbers, and repeated the process. The webpage became unresponsive one more time. 

I called VS XXXX Comenity number ( XXXX ) XXXX twice ( a 15-minute and a 26-minute call, screenshots of my phone records and a voice recording of the call are attached ). To avoid the fees from snowballing, I paid them over the phone. I was charged {$66.00}. No explanation for the fees or website malfunction was given.
Consumer complaint received 2024-06-10
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX, XXXXXXXX XXXX  XXXX - XXXX, CHILD SUPPORT ENFORCEM - XXXXXXXX XXXX XXXX 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 XXXX, XXXX XXXX XXXXXXXX, XXXX - XXXX "
Consumer complaint received 2024-06-09
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. (IL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-06-10
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. (TX)

XXXX / Dept of Ed Account Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-11
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. (AL)

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 the 15 USC 1681. 

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 XXXXXXXX, 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 a account without my written instructions.

15 U.S.C.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 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 7 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 2024-06-10
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. (NY)

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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A few months ago I went to apply for credit cards and the underwriting team told me that Transunion and XXXX wasn't releasing my credit file. So, I tried to retrieve my credit information via XXXX XXXX. It was odd that my app kept telling me my credit scores wasn't updating. I reached out to Transunion to see if I had a credit freeze, they said no. Also, they informed me they didn't have a credit file for me which was odd. I had good credit with very little accounts on my credit especially my Transunion. They told me they were going to investigate to see what's going on with my credit file because when I was providing my name and SSN nothing was popping up on their end. Days went by and they informed me they found my credit file, but they did something wrong because they added all this debt and accounts that aren't mine. I have proof prior to the phone call that I didn't have all the debt they put on my credit. This is unsettling for me and my credit journey. They told me they didn't have a credit file for me but when they do finally do they add debt to make a credit file which is against the law. I've had credit history since I was XXXX XXXX XXXX. I attached files where it shows I didn't have all those accounts on my Transunion or XXXX in XX/XX/year> and XX/XX/year>. Now it doesn't make sense. Also, I listed a few laws from the FCRA that this action has violated me and my credit. 

15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Consumer complaint received 2024-06-10
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. (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.

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 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 ) ( 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 informationisinaccurate.
Consumer complaint received 2024-06-10
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. (FL)

Subject : Continued Inaccuracies in Credit Reporting - Request for Immediate Removal of Inaccurate Account To Whom It May Concern, I am writing to formally file a complaint against the credit bureaus for their continued failure to correct and remove inaccurate information regarding the following account on my credit report : Account Name : XXXX Despite multiple disputes filed under the Fair Credit Reporting Act ( FCRA ), the credit bureaus persist in reporting inaccuracies related to this account. Specifically, the following inaccuracies remain : Incorrect status Incorrect reporting Incorrect balance This situation violates several provisions of the FCRA. I request the credit bureaus to permanently remove this account from my credit report due to the failure to validate the charges properly during their investigation. 

Violations and Relevant Laws 15 U.S. Code 1681e ( b ) : Accuracy of Report Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. Despite my dispute, the credit bureaus continue to report inaccuracies, which is grounds for deletion.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusions The term " consumer report '' does not include certain types of information, such as transactions or experiences between the consumer and the person making the report. 
15 U.S. Code 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies 15 U.S. Code 1681i : Procedure in Case of Disputed Accuracy 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion or Correction If an item is found to be inaccurate or can not be verified, it must be deleted or corrected by the credit reporting agency. In this case, I request deletion of the account.

15 U.S.C. 1681s-2 ( b ) ( 1 ) : Responsibilities of Furnishers Furnishers must conduct an investigation when they receive a notice of dispute from a credit reporting agency. If the information is found to be inaccurate, they must notify all credit reporting agencies to which they provided the information. 
Additionally, if XXXX has reported a balance for a debt that was charged off and potentially canceled ( as evidenced by a Form 1099-C ), this constitutes inaccurate reporting.

Request for Permanent Removal Due to the multiple violations and the significant harm these inaccuracies have caused to my creditworthiness, I request the following resolutions : Immediate and permanent removal of the inaccurate account from my credit report. 
Notification once the inaccurate account is removed. 
Rectification of any negative impact on my credit score and restoration to reflect my true creditworthiness. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2018-02-07
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

Previous Complaint # XXXX It is very unfortunate that Toyota Financial Services ( TFS ) is in such disastrous shape. Per my previous complaint stated above, I made a payment on XX/XX/XXXX and TFS CASHED IT. I have the copy of the cashed check and TFS has the copy of the CASHED CHECK. And my bank account is proof of payment made and cashed. 

Now, TFS is claiming that the check was returned unpaid. That is NOT TRUE BECAUSE I HAD ENOUGH FUNDS TO MAKE THAT PAYMENT AND MY BANK ACCOUNT SHOWS THE FUNDS WERE CASHED BY TFS on XX/XX/XXXX, and there is SOMETHING CALLED PROOF OF PAYMENT - the CASHED CHECK with TFS endorsement. 

I am sick and tired of wasting my valuable time on this company engaged in unlawful business practices and consumer harassment. How was the payment returned unpaid if the money is not in my account and the check is CASHED BY TFS? THERE IS AFTER ALL PROOF OF PAYMENT. In their response to my CFPB complaint TFS provided a phone number to call, but alas, when I called that number, the same transfer game began again ; the right hand doesn't know what the left hand is doing. No one knows anything, and I was eventually transferred to XXXX XXXX. 

In order to put an end to this, I made yet another payment to XXXX XXXX, XXXX ( the collection agency TFS transferred my account to ). On XX/XX/XXXX, at XXXX I spoke to XXXX XXXX in XXXX XXXX XXXX and made yet another payment towards my XXXX account # XXXX of {$970.00} ( this is a DUPLICATE PAYMENT, please note that ). XXXX XXXX advised that he would notify TFS immediately and send me a letter in the mail within 15 days stating that the account is paid in full and closed satisfactorily. He also stated that XXXX did not report negative information on our credits but TFS did. 

Now, today, XX/XX/XXXX, I received a phone call from agitated co-signer of my TFS account # XXXX, XXXX XXXX XXXX who told me that once again TFS had reported a negative late charge in his otherwise spotless credit report. TFS did the same to me, once again. In their response TFS stated that if I didn't make a payment again within 10 days, they would report negative information with credit bureaus. I paid immediately, and here we go again. It hasn't been more than a day, and they reported it again ... 

This is TOTALLY UNACCEPTABLE. Toyota Financial Services is involved in UNFAIR BUSINESS PRACTICES AND is abusing its customers like me and my co-signer. 

They double charged me after all and still reported negative information. 
I demand a response immediately. I will not call them again because they are unaware of anything. 

I can not wait till my lease is over so I do not have to deal with this horrible business again. This is the last Toyota vehicle I am driving. I WILL NEVER LEASE OR PURCHASE TOYOTA AGAIN.
Consumer complaint received 2024-06-10
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)

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with XXXX  supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Consumer complaint received 2024-07-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (MO)

I contact Mr. Cooper on XX/XX/XXXXXXXX XXXX XXXX XXXX. I asked them to re-look at my lawn modification because I can not afford it. They told me to contact Fha because they have to Compliant with Fha with the rules and regulations. I contacted FHA XXXX XXXX and I was told effective XX/XX/XXXXXXXX XXXX XXXX XXXX. Its a new regulation that has been approved that offers them to lower the payment and put the payments back by XXXX years. I sent the information that I got from FHA. They told me they have to implement this and they will not look into my loan to help implement this.a mortgage company were to offer a modification that requires payments exceeding a homeowner 's income, it could put the homeowner at risk of defaulting on the modified loan, potentially leading to foreclosure. Additionally, offering a modification that is not feasible for the homeowner could be considered predatory lending or a violation of lending regulations.