davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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. (AL)

On XX/XX/XXXX, I initiated a dispute with Experian because my XXXX Bank  Mortgage account, because it had been erroneously reported 30 days late for the month of XX/XX/XXXX. Experian subsequently corrected the account status for XX/XX/XXXX, but changed my account history for the months of XX/XX/XXXX thru XX/XX/XXXX to late from 60 up to 180 days past due which is erroneous reporting. 

To corrected this : ( 1 ) XX/XX/XXXX, I initiated an online dispute through Experian 's website stating that they were reporting my XXXX account incorrectly and I had never been late on this account. Experian provided dispute results within 24 hours saying my account status was " updated '' but it was not corrected. 

( 2 ) XX/XX/XXXX, I initiated an online dispute through Experian 's website stating that they were reporting my XXXX account incorrectly and I had never been late on this account. Experian provided dispute results within 24 hours saying my account status was " updated '' but it was not corrected. 

( 3 ) XX/XX/XXXX, I initiated a dispute by calling Experian and I stated that they were reporting my XXXX account incorrectly and I had never been late on this account. Experian provided dispute results within 24 hours via there website saying my account status was " updated '' but it was not corrected. 

( 4 ) XX/XX/XXXX, I mailed via certified letter ( I will attach copy ) a dispute to Experian and I stated that they were reporting my XXXX account incorrectly and I had never been late on this account. On XX/XX/XXXX, Experian provided dispute results via there website saying my account status was " updated '' but it was not corrected. 
I tried to initiated another online dispute on XX/XX/XXXX but the website would not allow it because it has been disputed before. 
Not only is Experian reporting incorrectly, I'm positive that they never did a proper investigation.
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (TX)

XXXX is not removing accounts items that was open in XXXX & XXXX due to fraud. Some account was open over 7 years ago. XXXX is stating from the last payment activity on my that's when the accounts will be removed. That is not Federal Law. Federal Law says account should be removed from the 7 years of account opening. And these accounts listed in the FTC report that was submitted to all 3 of the Credit Reporting Agencies..
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I do not recognize or understand how these accounts are reporting. Please remove from my credit report immediately. 

The inaccurate reporting is a volition of 15 U.S.C. 1681s-2 ( A ) ( 1 ).
Consumer complaint received 2024-01-25
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)

My accounts are being improperly reported by 3rd party credit reporting agencies. I do not give consent for the debtors to report any payment history or account statu 's to any credit reporting agencies.
Consumer complaint received 2024-01-25
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)

I observed my credit report and identified inaccurate and fraudulent accounts that require reporting and correction through your company. Kindly assess and investigate accounts that are not entirely accurate. I request the removal of all inaccurate entries from my credit report.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your 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
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I made a full payment on XX/XX/2023. Today I received a bill for {$17.00} for interest fee when I didn't use the credit card and made the full payment on time. When I call I was told I was being charged a residual interest. For what the agent told me it sounded I was being penalized for making a full payment.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

This is the 3 time I have complained about inaccurate information on my credit file. I have several things on my credit file that need to be addressed ASAP!! I have a very common name and there has to be several XXXX XXXX in the Ohio area however my name is not XXXX XXXX! My name is XXXX XXXX MY DOB IS XX/XX/XXXX MY SS IS XXXX. I WOULD LIKE A FREEZE PLACED ON ALL MY INFORMATION AND A NEW REPORT SENT OUT ASAP. MY FILE IS BEING CONFUSED WITH SOMEONE ELSE THAT IS NOT ME! PLEASE DELETE THE FOLLOWING ADDRESSES XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX , OH XXXX. THEY ARE NOT ACCURATE. PLEASE REMOVE ANY VARIATIONS AND MISSPELLINGS OF MY NAME.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-04-11
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. (TX)

I've been down this road before, tirelessly disputing the same inaccuracies on my credit report time and time again, only to see them resurface like a stubborn weed! It's beyond frustrating to continually fight this uphill battle, providing evidence and explanations, only to have my efforts seemingly fall on deaf ears. How many times must I go through this exhausting process before someone takes notice and actually corrects the errors? My patience is wearing thin, and rightfully so! It's about time the credit reporting agencies take their responsibility seriously and finally address these inaccuracies once and for all!
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. ()

My Upstart Loan # XXXX was paid off in full in XX/XX/XXXX. 

By XX/XX/XXXX I noticed the account still showed as active in my credit report and with a balance of ~ {$630.00}. 

I emailed XXXX with my concern. They said it may take 7 days from the final payment for the account to be reported closed to credit bureaus but it had already been 3 months since the final payment and this account still showed up as active in credit reports. 

Yesterday, XX/XX/XXXX I noticed the account is still open and showing a balance owed of {$630.00} so I contacted Upstart again. They are saying the account was reported closed, but it continues to show on my credit reports. It has been 11 months since the final payment, and I find it completely unacceptable that the account still shows up as open and with a balance on my credit report. 

Upstart needs to do more to be proactive and resolve an issue like this, but in our communications has been dismissive, so I am filing this complaint. Email correspondence attached.
Consumer complaint received 2024-01-25
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. (NJ)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX  N/A XXXX {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00}
Consumer complaint received 2022-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This bankruptcy on my credit report must be removed as for the fair credit reporting act and the creditors are not required to report anything to the credit reporting agencies! So why is there any bankruptcy reporting on my credit report that is reported to this credit reporting agencies. This is clearly an error on your part as a credit reporting agency reporting a Bankruptcy! Send me all your data about where you gathered this bankruptcy!
Consumer complaint received 2023-04-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have too many problems with fiththird bank they don't know how to relay their problems right and they didn't really gibe me all the info on the account and it supposed to be overdraft protection thats a XXXX lie and its a crazy XXXX bank cause the app doesn't even work right
Consumer complaint received 2024-04-11
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX accounts # XXXX opened XX/XX/XXXX and XXXX XXXX XXXX  accounts # XXXX opened XX/XX/XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-06-26
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. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-07
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)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-04-10
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. (MA)

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, Experian, and XXXX.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing an
d willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

A check you deposited for the amount {$2300.00} to acct XXXX wasnt funded and had to be returned. 

Your balance is- {$2200.00} as of XXXX XXXX XXXX XXXX 



And as a result of this my account was closed I had no idea that the check wasn't legit I had a previous problem like this being scammed I'm just trying to establish some credit so that I can better things and make it a lot easier for myself