davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate |
Consumer complaint received 2023-08-30
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. (IL)

Please know the information on my credit report is not correct. I've listed the inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard by the institutions responsible for reporting accurate, complete, and permissible information I am seeking help from a higher source. Please remove urgently.
Consumer complaint received 2024-05-24
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (IL)

I applied for a loan to purchase a computer. After receiving the laptop, I paid the entire bill without any issues. However, I later began receiving bills for {$7.00} for an account I never signed up for. I contacted the company, and they assured me they would remove the amount and close the account. Although they closed the account as promised, they continued to send me bills and added the amount to my credit report. The bill has now increased to {$77.00} due to growing late fees. I disputed the account, but the three reporting agencies claimed it was accurate. I was unaware of the existence of this secondary account. The company should have disclosed this information to me. I would have informed them that I did not require the additional services if they had. The purchase came with a warranty. My sole intention was to purchase a computer. I urgently need assistance removing this incorrect information from my credit report, as it shows that I was late in paying a bill that I was unaware of.

I request the removal of three late payments from all three credit reporting bureaus. Additionally, I was unaware of the service fee after the contract ended and would like it to be eliminated. I also request that the service be stopped from accruing any more late payments. If the service were included in my contract, I would like it to stop once the contract is paid in full. They should send a letter or email confirming that the service will stop once the computer is paid in full and allow me to opt for an extension if I choose to continue the services. The service is hidden in the contract with the loan of the service, and I would like more transparency in this matter.
Consumer complaint received 2023-12-21
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-24
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

The card is declining every time I use it or try to add it to an account. I can not use it anywhere and it keeps taking money out for every time I try. I had {$140.00} on it. 

{$130.00} Expiration Date : XXXX/XXXX Status : ACTIVE Original Value : {$140.00} Activated XX/XX/XXXX Valid Thru Date XXXX/XXXX Original Value {$140.00} Pending Transactions {$0.00} Purchases {$0.00} Credits {$0.00} Available Balance {$130.00} Transactions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
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)

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 2024-05-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Viva Finance Inc. (FL)

I missed payments on my loan last year and the account was " charged off ''. I entered a settlement agreement with Viva Finance and have been making on time, monthly payments since entering the agreement last year. Today, I received notification that Viva has reported my account as delinquent. I have attached a screen shot that proves I have made on time payments since starting the settlement agreement last year. Also, it is illegal for Viva to report my account as delinquent again since it is already reported as a " charge off ''. I have had multiple issues with thus creditor!
Consumer complaint received 2023-12-04
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. (AZ)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

Re : Compliance Procedures I recently requested a dispute with your agency, and you did not fix the errors regarding inaccurate accounts in my credit report. The status of these accounts is incorrect. XXXX and XXXX are reporting these accounts as current with no derogatory information yet you Experian are. You can not report an account as a charge off and current at the same time thats like being charged for 1 crime two times. I demand you update these accounts to current or delete them until you correct them, please. I have documentation that prove my dispute. Currently, I ask that you remove these accounts. If you dont remove these accounts, I have no choice but to file litigation and you will be required to compensate me for damaging my reputation and refusing to remove an inaccurate account that you failed to complete a reasonable investigation into. I would appreciate it if this matter could be solved now. 
1. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
Thank you for your time and help in this matter
Consumer complaint received 2023-12-21
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-24
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: General Motors Financial Company, Inc. (NY)

It's been over 30 days and the creditor has not updated information, nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.
Consumer complaint received 2024-07-17
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: DISCOVER BANK (OH)

Discover card is showing my account as under dispute on all three credit reporting agencies. Im asking for all 3 credit report agencies to be contacted and for the Discover card account to show as closed and not still under dispute. 

From Company : On XX/XX/XXXX, we received notice that you filed for XXXX  XXXX bankruptcy on XX/XX/XXXX. On XX/XX/XXXX, your account charged off with a balance of {$4700.00}. Your current balance as of the date of this letter is {$4200.00}. You may contact our Customer Assistance and Recovery department at XXXX if you would like to discuss your account. ( Im in bankruptcy XXXX XXXX right now going on almost XXXX years ) Please contact : XXXX Executive Office of Customer Advocacy Enclosure CC : CFPB. 

To tell her stop showing my Discover card account as under dispute and to show it rather as havent been closed as a result of my bankruptcy. Please contact all three credit reporting bureaus to let them know this account is no longer in dispute. It is closed as a result of my bankruptcy.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

In 2019, the automobile that the loan is in question four was in an accident and considered totaled. The insurance company paid off all but {$9000.00} at the time of the loan application with the car dealer the additional extended warranty was taken out as well as XXXX insurance, the car dealer did not submit the XXXX insurance paperwork or the extended warranty paperwork. I contacted XXXX XXXX and advise that I had paid for the XXXX insurance. They informed me that it was not on the account I went back to the dealer they assured me that they had submitted it, and that they would reach out every time that I have contacted XXXX XXXX They refuse to listen so I stopped paying the loan come to find out the car dealer not only didn't submit the XXXX paperwork. They have put falsified information on the loan application such as a address, and a phone number, which do not belong to me, I became aware of this recently and I contacted XXXX XXXX and they refuse to listen or understand what I'm saying. I have disputed this multiple times with XXXX XXXX, XXXX and Experian the last time that I disputed it XXXX XXXX updated my information to my valid information and now they are trying to collect on it again and it's now reporting that it's delinquent and it's affecting my credit file again, I'm trying to have it completely removed because the information that was provided by the car dealer which is no longer in business provide it on the application an address of XXXX XXXX XXXX XXXX XXXX  XXXX Delaware and a phone number of XXXX as my legitimate information which is not correct it's false, and based on that I'd like to have this completely removed from my credit file. Upon further review of the paperwork from XXXX, XXXX XXXX and XXXX also the buyers date of birth is incorrect, and the buyers drivers license number is incorrect. The only thing that's listed on this account application or the paperwork is my name all information is listed wrong XXXX XXXX  XXXX. XXXX XXXX is not correct at XXXX date of birth is on these correspondence is XXXX XXXX. My date of birth is XXXX XXXX. The drivers license number is XXXX. My drivers license number is XXXX Where they obtain this information I do not know also, it shows on my paperwork that the protection group I show I have insurance XXXX insurance. I also show XXXX insurance I don't know what that is but it shows that I have the extended service plan, XXXX insurance, and XXXX XXXX, and according to my documentation, I have submitted this, and they refuse to accept it.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My school loans are reporting 90 days late in XXXX from each Credit agency. How can they be 90 days late in XXXX when XXXX and XXXX are reporting OK and paid on time. Please Delete the inaccuracies accounting to the fair credit act. 

Accounting to the U.S Government, the school loans have been on pause through XX/XX/XXXX.
Consumer complaint received 2021-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed oFf a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.
Consumer complaint received 2024-09-18
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)

I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted within four ( 4 ) business days from the company Experian credit reporting agency. My last four ( 4 ) of my social is- XXXXXXXX XXXX XXXX My name is XXXX XXXX. Accounts : XXXX XXXX XXXX XXXXXXXX {$410.00}, XXXX XXXX XXXX {$280.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX {$82.00}, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX {$900.00}, XXXX XXXX {$2100.00}, XXXX XXXX XXXX XXXX XXXX {$19000.00}, XXXX XXXX XXXX XXXXXXXX {$950.00}, XXXX XXXX {$3800.00}, XXXX XXXX XXXX XXXX {$810.00}, XXXX XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX XXXX {$2100.00}, XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX XXXX {$3500.00}, XXXX XXXX XXXX {$1700.00} As per the guidance from the CFPB, the documents needed is a picture ID, a bill and a letter from an advocacy group helping me due to human trafficking debt bondage, which falls under trafficking according trafficking debt final rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block and delete this information from my credit report with in four ( 4 ) business days pursuant to 605C of the Fair Credit Reporting Ac. I have given you my information as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1002.142 ( b ) ( 6 ) please remove fraudulent address off of my report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-12-21
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. (NC)

The accounts listed below are fraudulent and were opened without my consent or knowledge causing these accounts to be reporting inaccurate and I demand these inaccurate accounts be DELETED from my credit report immediately XXXX XXXX XXXX XXXX XXXX ) : Identity Theft XXXX XXXX  XXXX XXXX XXXX ) : Identity Theft XXXX XXXX- ( XXXX ) -Identity Theft XXXX XXXX- ( XXXX ) -Identity Theft XXXXXXXX XXXX XXXX- ( XXXX ) : XXXX Theft XXXX XXXX XXXX- ( XXXX ) identity Theft
Consumer complaint received 2023-12-21
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. (SC)

This is 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 2024-05-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Fidelity National Information Services, Inc. (FNIS) (WI)

ChexSystems XXXXXXXX XXXX XXXXXXXX Acct. # : XXXX These Companies is Violating my Rights. 

I XXXX have requested to view my Chexsystem report and Noitce that there are an account that dont belong to me and will like it to be removed due to the FCRA rules and U.S. Laws.

15 U.S.C 1681 B 2 15 U.S.C 1682 S 2 A1
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent certified letters to all three credit reporting agencies on XX/XX/23 asking them to delete the XXXX XXXX Account that are on my credit reports. The creditor and I made an agreement on the debt that if I paid and satisfied the debt it would be deleted from my credit reports. I sent them the proof that this was the case and that I had paid the debt and to please delete but, they did not delete the account it was just updated instead.
Consumer complaint received 2024-05-24
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: WELLS FARGO & COMPANY (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Missouri Laws Dear WFXXXX, I am writing to address a serious violation concerning the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside XXXX Missouri laws pertaining to identity theft and fraud. 

It has come to my attention that WFXXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stipulated by the FCRA, unequivocally requires consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX Missouri laws regarding identity theft and fraud underscore the severity of unauthorized access and misuse of personal information. 

I assert with certainty that I have not provided consent for WFXXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and displaying a disregard for federal and state laws. 

I demand that WFXXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant XXXX Missouri laws . Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX Missouri laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WFXXXX will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX