davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
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. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-07
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DE)

I have attempted to dispute a certain account on my report a multitude of times with Experian. The first time, they decided that the information was accurate without providing me with any evidence even though I asked afterwards ( against the law ). After that, upon trying to start a dispute, their automated system ( garbage ) tells me that I can not submit another dispute for the item without providing any new information. Ok, so I did supply some extra information/evidence. Guess what? They still refuse to investigate. This is now my second complaint about Experian to the CFPB because they do not care about their customers. 

The attached file shows the dates of all XXXX disputes that they would ALLOW me to file. I have attempted numerous other times to dispute the account in question. By law, they must provide proof that the account belongs to me, which I still have not seen after all these years of asking politely.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

I was covid tester and moved to new place where I tired to get a job. Then my job got reduced and was getting help with supporter. I was patient when i came and told me everything will be take care. There a lot fraud happening since I live in XXXX. i hear they made change owner. I thought everything would changed and stay new life. However, another purchased for job but got no money in from other benefit such hour reduced. I got nothing to hear from them. Therefore, i tired to called and explain that it has been taking care and no need to worried. There no any action, however ; the banker lie to me and puts all the past due over me. Then, I did not get any benefit from hour reduced and had gone into personal health issue. American experess has gone so much issue until I get another new one that I was very careful. Another card I had with no purchased were close. All the XXXX money and my own saving money has used on life purchased and job with family support income. Will there a program call housing assistant? Is the temporary or long term? Will someone come in and open the door? Or someone look into your building? Was this reason you can not have good health account with saving? Yes! The job duty and called to explain but there were a process of these. Were there someone tired to access? I was not sure but american express having update system for new projected. Does it effect your account? It should not effect because it was not your fault. However, they were sending the money over me. So weird!
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/updated.

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.

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!
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (CO)

I am writing to complain to AMERICAN HONDA FINANCE about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

Every week for the past several months I am unable to access my account due to poor management of their portal. Routine XXXX errors means their operation is failing. This has resulted in me being behind on payments when I can not access my account for several days. I have also not been able to see how much my minimum due payments are until they have been delayed by this issue. 
I have called into the customer service line to pay over the phone where I was informed that both the debit card and bank account charging systems were also down that day. 

Nelnet is failing to provide the basic service needed for people to pay their loans.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-06-07
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)

It appears that my credit file has been compromised again. While reviewing my records, I noticed several items that do not belong to me. As a diligent researcher, I found that under Section 605b of the FCRA, you are legally required to remove any fraudulent items resulting from identity theft. The disputed items are not mine, and I request their removal. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-07
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 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 2023-08-02
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. (GA)

This is my third 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. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
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. (TN)

On checking my credit report, I noticed that sum and Inquiry all my credit report, it is in accurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX those unauthorized is hurting my credit
Consumer complaint received 2024-06-07
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. (OR)

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

My tenants from my long time apartment building gave me their checks to deposit. As I deposited the checks my account was frozen. After being frozen I was told I am depositing t fraudulent checks. They then called the customer and confirmed they arent fraudulent and they kept the check even after confirming they were meant for me.
Consumer complaint received 2024-07-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Block, Inc. (MD)

I have been utilizing cash at borrow for approximately XXXX  months and within the time frame that I have been repaying early If you repay early your cash app limit increases also your ability to request another loan for the amount on the repayment is also available recently I had my cash I borrow account limit reduced to XXXX and It didn't seem to be a problem and now that I am again repaying early and on time it is not allowing me to take out another loan. I have also sent to the cash app support team that this is misleading information and I have also sent screenshots of the rules and regulations of their borrowing I have attached in this complaint screenshots of the attempts to resolve this issue with them and they continue to keep misleading me into debt
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.
Consumer complaint received 2024-05-20
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. (GA)

I am writing to formally dispute inaccurate information on my credit report regarding my XXXX XXXX account, account number XXXX. Additionally, I wish to bring to your attention the illegal reporting of late payments on this account, which has significantly impacted my credit score. 

XXXX Credit Limit and Balance : The report indicates an open balance of {$320.00} with a credit limit of {$300.00}, showing that I am using XXXX  % of my account 's limit. This information is incorrect. My current balance is $ [ Your Correct Balance ], and my credit limit is {$300.00}. 

XXXX. Payment History : The report shows that I have made XXXX  % of payments on time and lists missed payments. I have made all my payments on time except for [ specific number ] instances due to [ brief explanation, if applicable ]. Moreover, the reporting of these late payments is illeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which states that " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. '' XXXX. Amount Past Due : The report indicates that my last payment was made on XX/XX/year>, and the amount past due is {$0.00}. However, this information does not align with my records, which show my last payment made on XX/XX/year>. 

XXXX. Dispute Resolution : The report mentions " Dispute resolved ; reported by grantor. '' I have not been informed of the resolution details, and I request a review and clarification of this statement. 

The inaccurate reporting of late payments has caused my credit score to drop between XXXX points. This is a significant and unjustified impact on my creditworthiness. 

Please find attached copies of my payment records, recent account statements, and any relevant correspondence to support my claims. I kindly request that these inaccuracies be investigated and corrected promptly, and that any references to late payments be removed in accordance with the law. 

Thank you for your attention to this matter. Please confirm receipt of this letter and provide updates on the status of my dispute.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX  XXXX bankruptcy, 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 2023-08-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-07-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA (GA)

I am disputing this because the creditor did not provide me with a Form 1099-C ( Cancellation of Debt ). According to IRS regulations, creditors are required to issue a 1099-C when they discharge {$600.00} or more of a debtors obligation to repay. The lack of a 1099-C suggests that the debt may not have been legally canceled, and therefore, the charge-off should not be reported on my credit report.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: E Mortgage Capital, Inc. (NC)

XX/XX/year> - I did not apply with this company and the person they texted ( who was not me ) received my personal information including details my current mortgage, my address, my credit score, my type of mortgage. The phone number was in no way associated with me, my current address, my mortgage. I called the company and the individual, XXXX XXXX ( Company E Mortgage Capital ), XXXX # XXXX and he made light of the fact that my information had been texted to someone not associated with the property or loan application. He said he would remove the number I was calling from but that does not solve the problem, he has the wrong phone number associated with the information.
Consumer complaint received 2023-08-25
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: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.