davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-13
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (PR)

I bought a house on XXXX 2014 and I was presented with a property tax certification of {$0.00}. In other words that the house did n't have any tax debts. Later I received invoices for property taxes XXXX years before the closing date. Since this was a foreclosed house I contacted the bank that sold it to me and they said I was responsible for paying all those property taxes.
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: SYNCHRONY FINANCIAL (CO)

I became delinquent with a Care Credit/Synchrony Bank account in XXXX ; my last payment to them was XX/XX/XXXX. Care Credit cancelled the debt and issued a 1099-C on XX/XX/XXXX. The reason stated on Box 6 of the 1099-C is " G - Decision or policy to discontinue collection. '' However, they have continued to report this debt monthly to all three credit bureaus. Their reporting to the credit bureaus says I still owe a balance of {$3700.00}, the account status is Charged Off, and that I am 120+ days past due. I have disputed this multiple times with XXXX and XXXX, and they continue to " confirm '' that I still owe the debt. 

I contacted Care Credit/Synchrony Bank multiple times, but they failed to understand the problem. I even offered to pay the debt in full if they would stop reporting this debt to the credit bureaus, but they refused my payment because I do not owe them any money, and they mailed me a copy of the 1099-C they submitted in XXXX. 

One agent last week finally understood that it's impossible for me to be past due or hold a balance on a debt that no longer exists, and he stated he documented my account thoroughly and the situation should be resolved. 

Yesterday, however, they responded to my dispute with XXXX by saying that I still hold a balance on my account and that I am still past due. 

This debt has been cancelled. It no longer exists. The 1099-C was filed with the IRS and appears on my IRS Wage and Income Transcript from XXXX. They sent me another copy of the 1099-C last month. They know I no longer owe this debt, but they refuse to stop reporting the nonexistent debt to the credit bureaus. I don't know how to make them stop.
Consumer complaint received 2024-08-09
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 Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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.

Experian 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 2024-08-15
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)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX
Consumer complaint received 2024-04-17
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. (NJ)

I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.
Consumer complaint received 2024-04-17
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. (IL)

In accordance with the fair credit reporting act. The List of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX  Account # XXXX :, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXXXXXX XXXX Account # XXXX and Account name : XXXX XXXX XXXX Account # 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.

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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently gained knowledge in my credit report and realized there are items that i do not recognize. I have asked the bureaus to remove these specific items and they have/ will not. I have submitted an identity theft report that i will be attaching to this claim. I am asking for these items to be removed from my credit report as soon as possible due to them being inaccurate and not mine.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NY)

Opened auto loan with Wells Fargo ( WF ) XX/XX/XXXX, established an on-line account with WellsFargo.Com. Entered my XXXX XXXX XXXX  checking account information and paid on-line monthly from XXXX 's with no issue until XX/XX/XXXX. On XX/XX/XXXXXXXX XXXX  when I tried to make on-line payment for XX/XX/XXXX I was alerted that I had to enter my non-Wells Fargo Bank account information ( even though I had been using my XXXX XXXX account since XX/XX/XXXX ) in order to make a payment. I re-entered my XXXX 's account info and tried to make a payment. I received an alert that there was an issue with my account and my payment was not accepted. I called Wells Fargo that day and they said I would receive an e-mail verifying my XXXX XXXX account and then I could make a payment. I never received the verifying email. I called and WF told me it could take a few days. I still did not receive email in 3 days. I called again and WF said for me to re-enter my XXXX 's account info again. I did so on XXXX. I still did not ever receive a verifying email. On XXXX I called and had to make a payment over the phone. When I did so my XXXX 's account info was on file and they asked did I want to use that account. I said yes. On XX/XX/XXXX I received a letter confirming my XXXX payment and alerting me that if I wanted to cancel I must do so on XXXX before XXXX XXXX 

On XX/XX/XXXX when I tried to make my XXXX XXXX  payment I had the exact same problem even though I repeatedly entered my non-WF bank account info. I had to pay by phone again and on XX/XX/XXXX XXXX XXXX  also received a confirming letter saying I must cancel payment, if I wanted to, by XXXX 

# 1. Wells Fargo, after XXXX XXXX years, arbitrarily changed my ability to use my non-WF bank account to make an on-line monthly payment. 
# 2. WF never approved my numerous times to follow their instructions on verifying the use of my non-WF bank account to make an on-line payment. Even though they had my XXXX 's bank information on file. 
# 3. WF has made it extremely inconvenient to pay my auto loan monthly if I am not using a WF bank account. It's like they are trying to force me to open a checking account with them. 
# 4. WF forces me to make a phone payment even though they have my XXXX 's account info on file. WF sends a confirmation of phone payment and alert that cancellation of that payment must occur on the day of payment. That letter is not received until 4 days after the phone payment. Cancellation info is not given at time of phone payment.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I want to complaint about experience, I disputed accounts on XX/XX/24, sent another one XX/XX/24 for them to verify an account with XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX, The old name on this account was XXXX XXXXXXXX XXXX  and suddenly it is changed with the same account information on it i do not understand. I requested they send a debt validation which I never received and I also asked for the method they used to verify the account and received no response to that request. I want to know who they spoke with to verify these accounts because it is inaccurately reporting on my credit. Even after 2 investigations the account is still inaccurate. I want this account removed from my report because Experian is in violation please see attachments.
Consumer complaint received 2024-02-06
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. (OH)

Account info Account name XXXX XXXX Account number XXXX Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ) XXXX XXXX Equifax and XXXX XXXX I am writing to complain an unauthorized inquiry that appears on my consumer credit report. Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. Removing this inquiry is essential to safeguarding my identity and protecting my credit standing. I kindly request a thorough investigation into this matter and prompt action to rectify the unauthorized inquiry. Upon completion of your investigation, please provide written confirmation of the removal of the unauthorized inquiry from my consumer credit report. Thank you for your attention to this urgent matter. I trust that you will handle this complaint in accordance with FCRA regulations and take appropriate steps to resolve it promptly. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-17
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: Experian Information Solutions Inc. (NC)

I've identified unfamiliar items on my credit report, indicating potential XXXX XXXX  as I did not authorize these accounts. Previously addressed, I urgently request the removal of these accounts to alleviate XXXX XXXX XXXX XXXX. Their presence distorts my true credit history and financial responsibility, complicating matters significantly. Should resolution not be promptly achieved, I am prepared to pursue legal action to safeguard my rights and seek a remedy. These erroneous entries obstruct crucial financial objectives such XXXX XXXX XXXX XXXX XXXX XXXX A swift resolution to this issue is paramount.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (OH)

I'm unaware of these debts!!! 
Jefferson Capital System XXXX {$1100.00} Jefferson Capital System XXXX {$710.00}. 
I didn't have the opportunity to dispute these debts. I never received proper notification!! If in fact you believe I was given proper notification, please provide the certified mail receipt with my name and signature. Look forward to hearing from someone soon. 
XXXX XXXX
Consumer complaint received 2024-02-06
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 XXXX Account # 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 2024-08-02
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (OH)

I received multiple calls from Southwest credit. When I called them back less than a month ago, they told me they were collecting for XXXX XXXX. I explained that another company already tried collecting for this debt, but I got it removed because it is a false claim. XXXX claims that I owe them for service and equipment. They continued to charge me for months after I canceled the service therefore, I do not owe for the charges because they are not legitimate. I told them they would need to verify this information because there is no way I am paying a bill that I should not have in the first place. They agreed to do so but instead of verifying and letting me know the results they had it added to my credit file. This needs to be removed ASAP.
Consumer complaint received 2024-02-06
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 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. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2024-04-17
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: Experian Information Solutions Inc. (IN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2024-07-02
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)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$6400.00} XXXX OF XXXX XXXX XXXX : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$990.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (IL)

I have been in the XXXX XXXX for over 14 years. Understanding the dynamic of how our DATA is used has been on my mind for years. Particularly during incidents where companies have data breaches. For extra security, on XX/XX/2019 I opted for a PERMANENT OPT-OUT ELECTION FORM. Recently my husband applied for a XXXX home loan and the amount of marketing and solicitation calls was beyond overwhelming for myself personally. How could all these people have my information if I opted out. In trying to figure out how my information was distributed, I received from my current lender XXXX, resulted in me understanding my information was still being sold by the credit reporting agencies. This is very disheartening because many companies have global means to distribute my information without me having any recourse. 

Additionally, I would like to file a complaint against XXXX but am limited to XXXX companies via this software. Please advise.
Consumer complaint received 2024-04-17
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: Experian Information Solutions Inc. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NM)

I called the lender and requested that they remove the late payment due to Covid-19 from my credit report. My state had at the time shelter in place, at the time of the missed payments. I was quarantining yourself due to XXXX symptoms. This situation was incurred due to the coronavirus outbreak and I was able to make the past payments and had the account back on track. I want the late payment removed from my credit score.