davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NM)

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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-08-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MT)

I surrendered this vehicle to Jefferson Capital Systems via XXXX  XXXX in XXXX, XXXX. Jefferson Capital Systems failed to send a notice of intent to sell the vehicle until after I had contacted them several times about the account. Each time I was told the company needed a title for the vehicle. When the towing company took possession of the vehicle they were given the physical copy of the XXXX  XXXX by me directly to the driver. After contacting several times, I was issued a notice of intent to sell the vehicle on XX/XX/year> making the expiration date of the document XX/XX/year>. On XX/XX/XXXX, the towing company had already been in possession of the surrendered vehicle for two months. When I inquired on XX/XX/year> for an update, I was again told that the company needed the title. I was informed there was no title for the vehicle with the vehicle. I contacted the towing company on XX/XX/year>. I spoke to the gentleman who picked up my vehicle when I surrendered it. He then explained to me that they did not have the title and it must have gotten lost. He acknowledged receiving it from me in person by hand. Jefferson Capital Systems has made no attempt to move this case along, and I now have no way to prove the vehicle is in possession of the towing company or another subcontracted company used by Jefferson Capital Systems.
Consumer complaint received 2024-04-30
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. (CO)

I'm a victim of identity theft, and I've filed a valid police report for identity theft in XXXX XXXX, Nevada. 

Despite numerous disputes with the police report concerning accounts with XXXX XXXX and/or XXXX XXXX XXXX XXXX no evidence has been provided to substantiate the claim that I'm the individual who purportedly opened those accounts.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2024-04-30
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)

I am writing to dispute the presence of fraudulent accounts on my credit report, which have persisted despite previous requests and confirmed documentation of identity theft. It is my understanding that failure to comply with the law by removing these fraudulent accounts constitutes a violation of regulations governing credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX. 

I request an immediate investigation into these accounts and their removal from my credit report in accordance with legal requirements. Your prompt action in resolving this matter is appreciated.
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-30
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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with GLOBAL LENDING SERVICE, SYNCB/GAP, and CONSUMER FINANCIAL SVC 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. GLOBAL LENDING SERVICE, SYNCB/GAP, and CONSUMER FINANCIAL SVC 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 2024-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MO)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (FL)

I opened an account with Cashapp in XXXX or maybe late XXXX. They canceled my account in late XXXX or early XXXX because I supposedly violated terms of service. Their terms of service is a 30 page document. I can not figure out what I did wrong and I don't believe I did. They cancelled my account. I was able to withdraw whole dollars but there is XXXX cents left in the account and I would like it for principle. It is my money, why should they get to keep it. They are refusing to send me a check for the XXXX cents and will not tell me what I did to violate TOS nor will they reinstate my account.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a fraudulent account on my credit report, which I reported it to BANK OF AMERICA, yet BANK OF AMERICA is not removing this fraudulent account. BANK OF AMERICA has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BANK OF AMERICA has refused to do this. The following is the fraudulent account : BANK OF AMERICA/ XXXX.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To my utter disbelief, I found incorrect accounts on my credit report this evening, and I have no clue why. I check my credit report often, and this was the first time I've seen anything so unexpected. I thought it might just be a browser issue, so I refreshed it, but nothing changedthe false accounts stayed there. I'm now requesting that the documents Ive submitted be carefully examined so I can finally have peace of mind and not deal with this again.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

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 2024-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XXXX of 2023, I used my Kohls XXXX XXXXXXXX to take advantage of a promo. I spent a total of {$32.00}. Unbeknownst to me, I was enrolled into paperless billing for my Kohls XXXX XXXX. I have never before been late on any payment for this card, or any other bill or card under my name. I did not become aware that a payment was late until my credit report pinged me that u had a XXXX  day late payment. I immediately called Kohls XXXX XXXX to address what happened and paid the entire balance of the card as well as all late fees. I asked the representative why I hadnt received a bill in the mail and she informed me I was signed up for paperless billing. I asked if there was anyway for the company to remove the derogatory marks on my credit in good will since this was due to an issue with billing, also noting Id never been late before and had paid the bill in full. She said a XXXX would reach out to me. A few weeks later a XXXX still had not contacted me. I called in and they said a decision had been mailed to me, which I never received. They were unable to provide an answer over the phone and simply said they will see if they can resend the letter. I ended up filing a dispute with the various credit bureaus. In the dispute it said they resolved the late payment on my credit, however, it is still there. I reached out and they said it could take up to XXXX  days to reflect. Its now been a year since I first reached out and my credit report still has a XXXX  day late payment marked in my payment history.
Consumer complaint received 2024-09-10
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. (CA)

I am a victim of identity theft. These are the inquiries with the name and date attached to them, that was fraudulently made to my personal credit. I have sent in proof to the credit bureau but they refused to have these removed. They a breaking the credit law. Please have this resolved with the credit bureaus immediately and have them have these inquiries removed immediately! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX XXXXXXXX XXXX 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. 

XXXX XXXX XXXX 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-07-26
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (VA)

On XX/XX/year>, I was denied financing from Mercedes Benz Financial Services ; from here on out to be mentioned as MBFS ; after completing a XXXX XXXX month lease with NO missed payments. I received a callback from a representative named XXXX from MBFS stating my credit application was denied, after asking the reason why she stated, " I do not know because we don't deal with that. You will receive a letter in seven to ten days detailing the reason why. '' I found that to be odd as she was the live human representative calling me back telling me I was denied credit. 

I am a victim of Identity theft, which I made MBFS aware of this soon as it was brought to my attention once reviewing my credit report ( XXXX ). After chatting with several different representatives, at different times and dates, and while receiving different information every time, hesitantly I sent in my credit application along with a letter, again explaining my current situation with my credit status. I also made MBFS aware that I have taken the proper steps with filing the necessary reports in order for the credit agencies to do their investigation ( XXXX ). That investigation is still ongoing, however some fraudulent reporting items have been deleted from certain reports. 

Furthermore, I have mentioned to a representative ; whose name I can not remember right now ; who wasn't empathic nor very concerned of my situation, that my MBFS account was reporting as closed on my credit reports as well. She stated in a very condescending tone, " I've never heard that. No one has said that to me before ''. As if I was lying to her. ( See attachments, with date of the report ) I told her I wish I could send her the information to see it however she stated she was told for me to dispute it with the credit agencies. Again blowing me and my concerns off. Per, After speaking with a nicer gentleman named XXXX, he asked me about my monthly and/or annual expenses, which I told him roughly of the amount made from my employer, which was roughly $ XXXX ( see attached for latest bank statement ) and about $ XXXX from other sources of income. 

I worked hard to establish a great payment history and relationship with the company so the remaining balance should not be affected for fraudulent activities not made by myself. I have enough monthly income to complete this remaining balance and see no reason for the vehicle to go back on the lot and potentially sit there when I already have the vehicle and made EVERY payment without any issues. 

I am truly starting to believe I am being discriminated against as I have had some concerning issues with the leasing dealership ( Mercedes Benz XXXX XXXX XXXX ) and their financing XXXX XXXX in the past. I have years of emails if more information is needed to be seen from my prior concerns with that particular dealership.