davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
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. (HI)

XXXX - XXXX The monthly payment amount is not reporting correctly This is inaccurately reporting on my report. 

XXXX XXXX XXXX XXXX - XXXX This is not accurate. 
please remove it from my credit report Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This Information is Incorrect
Consumer complaint received 2024-01-10
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. (SC)

Have a few inquiries on my XXXX report that doesnt belong to me. I asked XXXX to delete them but still on my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-29
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. (OK)

In accordance with the Fair Credit Report Act XXXX Account # XXXX, has violated XXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (GA)

XXXX, Experian, and XXXX continue to report inquiries I do not recognize and authorize for these companies to view my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-21
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. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (LA)

Credence Resource Management is trying to collect a debt " on behalf '' of XXXX XXXX from me. This alleged debt is over five years old, so it doesn't look familiar to me. I am not claiming that this alleged debt is fraud or identity theft. I informed Credence Resource Management that I will pay the debt if it is rightfully mine and to validate the debt by sending me the original contract between me and XXXX XXXX with my original signature on it. I also asked that Credence Resource Management confirm that they have legal right to collect on this alleged debt. Credence Resource Management has not sent any documentation with my signature on it nor have they sent me proof that they have legal right to collect on this alleged debt. I have requested this information from Credence Resource Management on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have not validated this debt. I have also requested that this alleged debt be validated by XXXX and XXXX twice. I was told by XXXX that the collection agency does not have to provide any information to them and all that is required by the collection agency is their signature stating that what they are reporting is accurate and true. This debt has not been properly validated.
Consumer complaint received 2018-07-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (NY)

I had a lease with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I leased a XXXX XXXX XXXX for approximately 2 years, and was going over my mileage which would ultimately cost me around 2-3k at the end of my lease for overages. I was duped by the salesmen & the finance manager to turn my lease into a finance to avoid having to pay the 2-3k in mileage overages. So, instead they had me finance the car for more than its worth brand new. This vehicle was already two years old and now i am financing it for over {$25000.00}, when brand new its worth {$23000.00}. Bad business practice and put me in a huge negative equity hole. The fact that they would take advantage of someone who bought there first car with them is downright awful. There has to be illegal mark ups & interest involved.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (NY)

I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : ALLY FINANCIAL XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

A schools first car loan was opened for a used car. 
Schools first receives payments on time from me and continously has reported late payments, without demonstrating any proof or evidence to substantiate the claim. 
Account opened : XX/XX/XXXX Account amount : {$30000.00} I went into the branch and personally spoke to the manager and called customer service for schools first to correct the inaccurate information on my credit report.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
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: Bread Financial Holdings, Inc. (CA)

XXXXXXXX XXXX XXXXXXXX In accordance with the fair credit XXXXXXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may Mok treat a payment on a credit card. account under an open end XXXX consumer credit plan as late for m and purpose. 
XXXX XXXX XXXX XXXX. XXXX XXXX Get late payments removed from your credit report # credit # XXXX  ... more Add comment... 
@
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (FL)

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. 

XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX These collection agencies have 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 an 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 information is inaccurate.

632 of the FCRA
Consumer complaint received 2024-03-21
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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

At XXXX I was at the grocery store checking out and I attempted to log in to my online bank app to unlock my debit card when it falsely locked me out saying my credentials were invalid. My username and password are saved in my phone, and they worked a few hours prior when logging in to unlock my card earlier in the day. I attempted to reset my password which asked to verify my username and last four of SSN. After giving this info correctly, it sent me a text message PIN number for me to enter to continue resetting my password. After I did this, the app told me they couldnt reset my password. I did this two more times before having to leave because the grocery store closed at XXXX.
Consumer complaint received 2023-12-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I got an American Express Gift card as a gift that was bought at target on XX/XX/XXXX to buy some groceries but the card has declined at all places Ive tried. I tried buying in XXXX, XXXX, and XXXX both online and in store with amounts lower than the balance in it, as well as XXXX exclusively online and at gas stations which I do know is listed as a place where it might decline. I tried adding the balance to my XXXX and XXXX to circumvent the restrictions but they declined there as well and when Ive called and checked the balance online they say the whole XXXX dollars are still there and I should try a different store that accepts American Express, but all these stores supposedly accept American Express and its frustrating how they wont tell me what stores I can use it in if those wont take it.
Consumer complaint received 2024-03-21
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. (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 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 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

There are several inaccuracies being reported on this account throughout all the credit bureaus.

I have attached my most recent credit report for your reference.

Please correct this and remove from my credit file.

Account status Date opened High Credit Date last reported Date last active Equifax is still showing payment history past date of last active, how?
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

It is horrible that Wise Payments Limited are keeping my business funds without providing a reason. There were approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my multi-currency accounts for XXXX XXXX XXXX, an active trading company, registered in XXXX, XXXX, and approximately XXXX  XXXX in my personal account when they deactivated my account and locked me out. I have not had access to our business funds since then and we are going out of business due to this situation. 

I have attached evidence of the non-payments due to our funds locked in by Wise Payments Limited Wise is illegally holding my funds and refusing to refund them for no reason. They deactivated my account without warning or providing any reason. They didn't ask me for any documentation and stole my business funds., I am based in XXXX but hold an LLC company in the XXXX XXXX XXXX XXXX XXXXt. I had a Wise account with my XXXX  identity and had been using it for a couple of years without a problem. 

I held a XXXX XXXX XXXX account with Wise where all the business funds were stored. Wise deactivated the account on XX/XX/XXXX. On XX/XX/XXXX, I submitted an appeal on their appeal portal where they asked me to provide proof of identity and details of the bank accounts where you will refund the payment. I provided all the requested details. 

I waited until XX/XX/XXXX, before I filled out the online complaint form to which you replied in a few hours that they are investigating the issue and will need XXXX days to resolve the matter. ( Image attached ) On the same date XXXX XXXX, I received another email from Wise Support asking me to provide more info about my Wise account. When I followed the link in that email, I was again asked to submit my bank details for the refund, which I did promptly. ( Image attached ) They did not ask me for any info other than my proof of identity and bank details. 

The very next day on XX/XX/XXXX, they closed my account stating that they had received the info I provided but that they would not refund the funds. What info did they check before deciding to not refund my money other than my identity and bank details? How can they judge, decide and keep the business funds of an active trading company? ( Image attached ) On the other hand, when I log into the appeals portal on wise.com, they tell me that they have closed my account but already refunded the funds to the originating bank or the account I provided which is a lie. Can you see that they are providing conflicting responses : 1 ) They decided not to refund my money after I provided my info, 2 ) They are investigating the matter and will get back to me with a decision within 14-35 days, 3 ) that they already refunded the money. You are doing all this while you are holding on to my funds. ( See attachment ) I have found hundreds and thousands of other people who are in the same situation and you closed their accounts for no reason.
Consumer complaint received 2024-03-21
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. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have no knowledge of these collections account on my credit report I believe their are multiple accounts in collections on my report I never had any business with I dont know who they are XX/XX/2023 last reported XXXX XXXX XXXX {$1100.00} Amount Remarks Placed in collections XXXX XXXX XXXX {$600.00} amount XX/XX/2023 placed in collections last reported XXXX XXXX  in collections XX/XX/XXXX last reported {$3300.00} amount I have no knowledge of these accounts s in collections never saw them XXXX XXXX XXXX  {$380.00} amount XXXX XX/XX/XXXX last reported {$760.00} amount Placed in collections XXXX XX/XX/2023 last reported {$840.00} Placed in collections
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was denied approval for a rental agreement because of miss-information present on my TransUnion credit report regarding all my student loans with XXXX. 

It is stating " Payment Deferred, Collateral : Deferred to XXXX '', showing on 8 different Student Loans managed through XXXX  " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : BK OF AMER XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.