davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MI)

Charge off account Account # XXXX Amount {$11.00} Thank you for reading my request about this account with this company I am writing today during my quarterly review of my account listed on my credit report I noticed that this account was charged off XXXX experian. I am requesting that your company please forward me copy of the 1099 c that was issued bye the company when they charged this debt off wit iRS which is required bye law for all debt over XXXX $ please also enclose a printed copy of payment history or you may also send them to me at my email XXXX please do not send any marketing or other account information to this email I have no desire to have spam at this location in I track everything bye standard XXXX XXXX at my home address listed above you are violating 15 U.S.C 1681 of fair credit reporting Act I will not hesitate to file law suits if your company keep reporting inaccurate information to credit report that the company charges off I am ask for a full validation of this account thank you sincerely
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (NC)

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. 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 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. (CA)

After reviewing my credit reports, I saw some inquiries that I'm not familiar with. I don't ever recall authorizing any of these inquiries to pull up my report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (OH)

On XX/XX/2023 I crashed and totaled my car. On XX/XX/XXXX a check was sent from progressive to ally financial. After weeks of not being cashed or applied to my account the check was canceled. The XXXX  agent called to verify the address received on the letter of guarantee and was given a new address. A new check was sent to this provided address on XX/XX/XXXX and was cashed XX/XX/XXXX. The funds were never applied to my outstanding balance and ally financial denies receiving either check. Although there is an ally financial stamp on the back of the cashed check and the check was made out to ally financial so it couldnt be cashed by anyone else. Both XXXX and ally financial deny being at fault and will not do anything to resolve the issue. I am still being charged monthly payments on the totaled car even though its been about 5 months since the crash.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCK AND REMOVE It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.
Consumer complaint received 2024-04-10
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. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-09
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Lend You Cash, Inc (WI)

I took out a {$900.00} loan on XX/XX/year>. When I signed my loan documents online I thought the interest rate was 34.59 %. I felt the interest rate was high but I needed the money to pay my rent as I was in between jobs. After the first payment came out I noticed the loan payoff was {$970.00}. I called the company to ask why but I wasnt given a straight answer until I asked what is the interest rate. Thats when I was informed the interest rate was 595.79 %. I would have never taken this loan had I known the interest rate was that high. This is completely unfair lending practices and should be illegal.
Consumer complaint received 2023-11-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC. (MA)

Hello, my name is XXXX XXXX, I was utilizing XXXX through my financial institution ( Santander ). I utilized XXXX in order to make a monetary transfer to someone I know. XXXX uses a given individual 's phone number in order to send money, this makes it unique to each person. 

I verified the intended receiver to have been both : - Registered with XXXX in their financial institution- Has the correct phone number associated with XXXX. 

Upon using the CORRECT phone number in order to digitally transfer the funds ( adding up to {$4600.00} ), the funds were sent to the incorrect bank account. In short, whilst inputting the CORRECT information, the funds were sent to some random, INCORRECT individual. 


I attempted to contact Santander customer service only to be directed towards XXXX customer service. I eventually opened a dispute with Santander which was promptly denied, reasons not clear/specific. Both myself and the intended receiver have contacted XXXX multiple times in order to resolve this but we keep getting redirected to either our financial institutions, XXXX, or our mobile carrier. How can XXXX allow the same phone number to be associated with another account? It is a breach of privacy and security for any given individual to have their supposedly secure and unique transaction to be sent to the wrong person. 

No help or real resolution has been provided by any of the institutions involved. Because of a clerical error on behalf of XXXX, did we lose those funds?
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (GA)

1.LVNV Funding LLC balance {$940.00} no action was taken by the company XXXX balance {$750.00} no action was taken by the company XXXX ) XXXX balance {$1100.00} no action was taken by the company XXXX ) XXXX XXXX XXXX balance {$280.00} no action was taken by the company XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$230.00} no action was taken by the company
Consumer complaint received 2024-06-27
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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.
Consumer complaint received 2024-04-09
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. (FL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2022-11-17
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX 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 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. 

XXXX 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 2024-08-19
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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.

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 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 information is inaccurate.
Consumer complaint received 2024-04-16
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-16
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)

After reviewing my XXXX, XXXX and Equifax credit reports, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I obtained my consumer report and noticed several items on my report that do not belong to me. I had contacted the 3 major credit bureaus ( XXXX, XXXX, Equifax ) notifying them letting them know that I am a victim of identity theft. I also reported this fraud to the Federal Trade Commission and obtained a identity theft report # XXXX. I sent the bureaus a copy of the identity theft report and response I either received generic responses via mail and email such as : the information was verified, misrepresentation of my identity theft report, and someone else ( third party ) disputed this information on my behalf which is all false. After recently contacting the bureaus via telephone was told by a representative that I need to document this theft with my my local police department. I file a report with the XXXX Police Department report # XXXX. Both reports are attached. I have also contacted a attorney in the attemp to file a civil suit against the 3 bureaus.
Consumer complaint received 2024-04-11
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. (NJ)

I am reaching out to inform you that I have been a victim of identity theft. Please consider this letter as a formal dispute regarding the following accounts. I have directly contacted all the companies involved and followed the necessary steps to address this issue. I have filed an identity theft report with the FTC and contacted each company individually to dispute the inaccurate information that should not be on my file. Your assistance in resolving this matter promptly would be greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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. (OH)

I am a natural person, I am a living human being that have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed because ( Original Creditor : Progressive ) Account # XXXX In Accordance to 15 USC 1681 section 602 A : I Have the right to privacy and I did not give Equifax written permission to furnish the listed account 15 USC 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 USC 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Theses inaccurate items falsely being reported to my credit report is ruining my life and hurting my chances of getting a new home and extension of credit please remove this account immediately.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

After several attempts, Ive submitted documentation to show all my XXXX accounts have been closed since XXXX. Actually, the balances of the XXXX accounts were transferred to XXXX at the end of XXXX and XXXX have closed the accounts in XXXX due to PSLF. All my XXXX accounts show as closed on all my credit reports but my XXXX accounts show as open on Experian. If you would go to my XXXX account on their site my accounts show as closed as of XXXX and its shows on XXXX and XXXX. Despite several attempts to submit documentation reflecting that my XXXX accounts are actually closed Experian still believes it is still open. Nothing really gets done on their end, you are my last opportunity to get this corrected.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a check for {$120.00} on XX/XX/2023 in the Bank of America mobile deposit tab of the Bank of America application for mobile. On XX/XX/2023, I logged on to the app and saw a message displayed on the top of the screen that read : some deposits may be temporarily delayed due to an issue impacting multiple financial institutions. 
It is now XX/XX/2023, and I have not received any funds from the check. 
I am distressed by this delay. I needed that money to keep my XXXX XXXX XXXXXXXX appointment for today, XX/XX/2023, and it is important that I obtain a new prescription today because I am only prescribed a months supply of my medication at a time. The ambiguity of any deposit date raises further concern and distress. I am currently unemployed, searching desperately for work, and have no resources currently to cover the cost.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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. 


XXXXXXXX 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 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with Fair Credit Reporting Act Equifax has violated my rights. 15 U.S.C. 1681section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. As a federally protected consumer I opt out of ALL authorization. My transaction history has been shared and I do not consent per 15 USC6802. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-04-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX Account Card, has violated my right. 

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.