davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute the accuracy of information being reported by XXXX XXXX XXXX XXXX on my credit reports with Equifax and XXXX. The inaccurate reporting by XXXX XXXX XXXX XXXX has led to significant discrepancies on my credit reports, negatively impacting my creditworthiness and financial standing. 
The account in question, XXXX, was charged off by XXXX and Equifax in XX/XX/XXXX. Despite being charged off, the account has been consistently updated as charged off every month since then, leading to a decrease in my credit score on XX/XX/XXXX, with Equifax reporting a decrease of XXXX points. The account was charged off XX/XX/XXXX- XX/XX/XXXX then back in good standing XX/XX/XXXX- XX/XX/XXXX ( how is this accurate if the account was charged off ) This is inaccurate. 

It is important to note that a charged-off account should not include a payment history, yet my credit reports reflect a payment history associated with this charged-off account. Furthermore, the credit utilization ratio reported by Equifax and XXXX is inaccurately reflecting 121 % utilization. Additionally, there are discrepancies in the reporting of late payments associated with this account. Equifax reports XXXX late payments with inaccurate dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, while XXXX reports 90 days late payments with inconsistent dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The inaccurate charge-off reporting by XXXX XXXX XXXX XXXX XXXX XXXX the statute of limitations and violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to rectify these inaccuracies, Equifax and XXXX have failed to properly investigate this account, thereby exacerbating the adverse impact on my credit profile. Equifax is even reporting the last activity date for this account to be XX/XX/XXXX which would be inaccurate from the charged off date. 

According to the IRS and unpaid charge off is income and according to the FCRA income can not be report on a credit report. I am requesting a XXXX ( Cancellation of debt ) from XXXX XXXX XXXX XXXX XXXX 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

To who it may be concerned, This collection/charge off is a result from a not-at-fault total loss to the vehicle. The remaining balance that was owed after the car was paid off by the insurance company was for the extended warranty ( document 3 ) ( that the finance company obviously cancelled after the total loss and wanted a refund for from the dealership ) which was supposed to be paid by the XXXX dealership to their financial service. They refused for months to pay it so thats why this account went into the negative. From no fault of my own. I complained and complained for months that they needed to take care of this because it was hurting my credit report. Finally after months of getting in contact with them they finally paid it off. So this account is settled, they received payment and have admitted on multiple occasions that this was in no wrong going of my own and they have said for years now they would take this off my credit report but it is still there. I dont understand why my credit report says " charged off '' when they got paid. Included are proof that the vehicle was in fact in a total loss, also included is proof that the amount owed on the car ( minus what I owed on my previous trade which was paid by GAP insurance ) was paid in full. Also included ( document 3 ) is a letter from the creditor to the dealership requesting a refund for the extended warranty ( which is the amount that got charged off ). So you can probably see my frustration as it looks very much like the dealership didnt want to pay it back to the creditor which is a division to their own company! Also included is the GAP insurance claim which paid off the balance owed after the settlement. Please help me resolve this issue I have been trying to get this resolved with Nissan Motors/ XXXX XXXX for three years now with no luck. I have opened disputes with all three credit reporting agencys but nothing seems to be happening. Thank you for your time and any help you can give me. It is very appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

This is about BestBuy/ Citibank credit card. Here are the facts : 1. I made a purchase of {$2000.00} in XX/XX/XXXX that had 'no interest promotion ' for 18 months. The promotion ended in XX/XX/XXXX. 
2. In XX/XX/XXXX, I was charged {$1000.00} as deferred interest since the balance on 'no interest promotion ' was not paid in full. 
3. Between XX/XX/XXXX and XX/XX/XXXX, I made a total payment of {$4300.00} but these were not applied towards my 'no interest promotion ' but on my revolving credit. 
4. As a customer, I have right to decide whether my monthly payment should be applied toward revolving credit or free promotion. However, for some strange reasons, BestBuy/ Citibank website does not allow you to exercise this option online. 
5. As a result, being an online customer, I do not have this option to decide how my payment should be split and applied to what balance. The website also does not provide any information on how my monthly payment is going to be applied ( i.e. to what balance ). I think this is totally unfair and non-transparent way of conducting business. 
6. It is also worthwhile to mention that deferred interest is then applied to your regular balance and the customer then has to pay interest on deferred interest which is again completely unfair.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. ()

So for the past year, I have been asking Equifax to update my phone number ( they have XXXX old ones on it ) and they keep sending an email stating that this matter has been taken care of and I would see XXXX or both off the account for about a day! Then, they all appear again. 

The only number that should be on it should be ( XXXX ) XXXX
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the ECRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. 
Please resolve this matter as soon as possible. 
Thank You.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-08
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name 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 2023-07-25
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. (NY)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Thank you. 
XXXX XXXXXXXX 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 2023-11-02
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. 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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
Consumer complaint received 2018-08-17
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)

Plaintiff asserts XXXX  XXXX XXXX, XXXX ( " XXXX  '' ) failure to provide him proof conducted an intrusive investigation into XXXX XXXX XXXX XXXX having engaged in fraud and deception. Creditor reporting unfounded statements and unsubstantiated claims Plaintiff owing a balance is gross fabrication. XXXX  not contending in writing receiving evidence of proof, Affidavits from sworn police officer, bank statements Discover drafted from Mr. XXXX bank accounts, XXXX sent a statement to XXXX XXXX citingyour account balance is XXXX and account paid in full around XX/XX/XXXX. Attorney General conducted an investigation thru discovery XXXX  never conducted an intrusive investigation, into fact findings but instead, reliance on XXXX falsity of facts. 

Mr. XXXX consumer requesting FTC intercede on his behalf an conduct investigation into XXXX, repeatedly and persistently failure to remove the erroneous information timely. CRAs knowingly from XX/XX/XXXX through XX/XX/XXXX creditor receiving payments made via XXXX XXXX  via phone. In support of argument Deputy XXXX XXXX County Sheriff provided affidavit around XX/XX/XXXX XXXX committed fraud against Mr. XXXX government employee and service member. XXXX  knew or reasonably known of fraud or fraudulent acts rather than take appropriate action instead reported Mr. XXXX owing XXXX in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( a ) et seq. ( " FCRA '' ), supports and substantiates furnisher of the misrepresentation of the facts and XXXX   retaliated or engaging retaliatory action. 

Plaintiff 's asserts both employers XXXX  and XXXX engaging in pattern of conduct, that is habitual and habit forming, making unsubstantiated claims that there is no timing requirement for response or responding to identity theft that occurred or is occurring is incorrect and in violation of 15 U.S.C. 1681g ( a ) .FTC stops unfair, deceptive andfraudulent business practices.
Consumer complaint received 2023-04-21
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. (HI)

According to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts 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 consumerreporting agency can not furnish a account withoutmy written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reportingagency may make any consumer report containing any of thefollowing items of information Any other adverse item ofinformation, other than records of convictions of crimes which use to antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish anyinformation relating to a consumer to any consumer reportingagency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2023-02-20
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. (CA)

I Have Addressed This Situation Multiple Times Of Unverified  Information On My Credit Reports Without My Written Consent Which Is Financially Hurting Me And Is A Defamation Of My Character. Under Law Fcra Section 623 Is Violation  #1And Us Court Of Appeals Ninth Circuit No.00-15946, Nelson Vs. Chase Manhattan Violation #2  Also The Law Fcra Section 611 Part(A)(1) Violates The Consumer Protection From Not Being Able To Provide Verified Original Documents Of Such Negative Information On My Credit Report With The 30 Calendar Days.Also Violation #3 In Result Of Defamation And Willful Injury To Ignore My Request Of Verified Documents Which Violates Law Fcra Section 623 Crushman, V. Transunion Corporation Us Court Of Appeals For The Third Circut Court Case 115 F .3D 220 On June 9Th 1997, Filed (D.C. No 95-Cv-01743). So You Must Verify Or Delete These Accounts That Are Reporting Negative Information Listed Below WITHIN ALL 3 BEAURUS :

SHOWS ON ALL 3 BEAURUS:
 XXXX XXXX XXXX XXXX

SHOWS ON XXXX  AND XXXX:
-fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
ONLY SHOWS ON XXXX  -XXXX XXXX XXXX
ONLY SHOWS ON XXXX: 
US DEPT ED
XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX and XX/XX/XXXX I sent a certified letter to XXXX requesting to validate the reported bankruptcy. I also contacted the bankruptcy court and received a written response that they do not report to the credit bureaus, this letter was also sent to XXXX. XXXX continues to ignore my request and the bankruptcy must be removed, having the inaccuracy report is negatively affecting my life and a direct violation of federal laws.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

They have my name listed incorrectly on my credit report as a XXXX suffix. I have sent copies of my driver 's license and social security card via USPS on several occasions, with the last one by certified mail : ( Tracking number : XXXX ) Still no change.
Consumer complaint received 2023-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a copy of my credit report noticed XXXX XXXX XXXX account listed. This company is reporting a collection account that is NOT mine and is inaccurate. I have never heard of nor done any business affiliation with them. It doesnt make sense as how XXXX XXXX XXXX can be reporting an alleged debt on my credit report According to Fair Credit Reporting Act ( FCRA ) everything on my consumer report/ credit profile must be accurate, and verifiable if not that information must be deleted. If the consumer reporting agencies are supposed to exercise their responsibility with fairness, impartiality, and respect for my right to privacy, why you not doing that? You are in VIOLATION of 15 USC 1681 section 602 A. 

Ive request XXXX XXXX XXXX provide an original contract with my signature, validating the debt. They were NOT able to provide any documentation with my signature because I NEVER agreed to do any business with them. Therefore this alleged debt CAN NOT be Validated. XXXX XXXX XXXX have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardi v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, not thereof any such debt, in fact, exists. The documentation they provided does NOT have my handwritten signature. For the record, I state again that I have No business affiliation with this company. You have failed to do a proper investigation. Again, I have never agreed to do any business with them. For that reason, you have FAILED to conduct a proper investigation. You have violated my consumer rights. 

I did NOT give this company written permission/ instruction to place any of this information on my credit report according to 15 USC 1681 Section 604 A Section 2. According to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation. Therefore, Im demanding that the following FRAUDULENT items be DELETED from my consumer report/ credit report immediately.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I have continuously disputed information with equifax and although the accounts are not mine they continue to report the information stating they have investigated and verified accounts that I know are not mine I have disputed every month for 1 year starting XX/XX/XXXX until now.XX/XX/XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (TX)

XXXX here, Hello there I have a issue with Exeter Finance Llc have been denying me documents and could be committing an act a of TAX FRAUD this company is reporting on my consumer report that a item has been charged off but how are you still trying to collect on a debt that u have charge off ON MY CONSUMER REPORT IRS declares charge off debt by filing 1099c IS forgiven which they filed on their business tax return on this alleged debt account # XXXX SO IF THATS the case wheres the 1099 uve sent me. Ive uploaded correspondence
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.