davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (IL)

I can no longer make the {$180.00} payment that is scheduled to come out of my account every other week. I took a loan out for XXXX and an interest rate of 593 %. I did some research on the loan and in Illinois it is illegal to have loans out for more than 400 %. My son has some mental health issues and we needed money quick but after doing some research I found that i shouldn't be paying this much interest.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-01-05
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. (NJ)

I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. 

ACCOUNTS XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX DELETE THIS ACCOUNT because of violation of 15 USC 1681e ( b ), 15 USC 1681i ( 5 )
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Ensuring prompt payments on this account has always been my priority, ensuring they never lapse into overdue status. I'm puzzled by the presence of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, corrections are warranted.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (SC)

Hello, In XXXX of XXXX  my credit report showed a debt balance of {$1100.00}. The ordinal creditor is XXXX XXXX. When I gave them a call that this was NOT me and gave them my social security to run nothing came back from there end. They suggested for me to call the debt collector since from my end it did show it was in collections already. I procced to give the debt collector a call as well which is National Credit Adjust and mentioned to them as well that this debt does not belong to me. I gave them my social security number as well so they could run and same thing happened. Nothing came out from there end. All they had to say was once it did show from there end, they would give me a call back. I need this removed because firs offt it does belong to me, so this is a identity theft issue. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2018-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NC)

I had a unpaid debt show up on my personal credit report that is not something I owe. It was filed by SEQUIUM ASSET SOLUTIONS , LLC in the amount of {$920.00}. It was reported by XXXX. In contacting SEQUIUM ASSET SOLUTIONS , LLC they say it is under another person 's name so they will not speak with me. This debt on my credit report has lowered my credit score substantially and cause me serious financial damage. It was put on my credit report starting XX/XX/XXXX and I have already lost over $ 100K as a result.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

XX/XX/XXXX both my credit report and husbands showed on XXXX  the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. 

XX/XX/XXXX is was updated to show open XX/XX/XXXX. 

XX/XX/XXXX they both show closed again on Experian.
Consumer complaint received 2023-11-02
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. (CA)

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
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. (MO)

I am writing to express my serious concerns and frustration regarding the multiple unsuccessful attempts to remove the late closed and charge-off accounts on my credit report. These inaccuracies have persisted, despite previous disputes, and continue to have a detrimental effect on my creditworthiness. I hereby request an immediate and thorough investigation to finally resolve this matter. 

Despite multiple prior attempts to rectify these inaccuracies, they persist on my credit report, negatively affecting my credit score and financial standing. I have provided documentary evidence and information in each previous dispute to support my claims.

I kindly request that you conduct an immediate and thorough investigation into these late closed and charge-off accounts, ensuring that my true financial history is accurately reflected on my credit report. I expect that you will complete this process within the legally mandated timeframe and inform me of the resolution as soon as possible.

In accordance with the Fair Credit Reporting Act, I also request a written explanation of the steps you have taken during your investigation and any changes made to my credit report.

The continued presence of these inaccuracies on my credit report has caused significant distress and has hampered my ability to secure credit, loans, and financial services. It is imperative that these issues are resolved promptly to restore my creditworthiness and financial stability. I am asking for your immediate assistance to remove the following accounts in my credit file : XXXX  XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX XXXX XXXX Owed : {$2900.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX XXXX : {$160.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX : {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have items passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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. (NJ)

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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. (NV)

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 items ( A ). It is not permissible to fail to validate these reporting items 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 corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-05
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. (AZ)

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 XXXX 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2023-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc. (MI)

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : KIKOFF LEND XXXX XX/XX/2022
Consumer complaint received 2024-01-05
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. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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. (TN)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-05
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)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$22000.00}.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2017-12-19
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: General Motors Financial Company, Inc. (NJ)

reporting 3 hard inquirys on my credit reports I never applied for a loan with them dates are. XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX that are the inquiries on my account they must be Removed at once from all 3 credit Agencies
Consumer complaint received 2024-04-10
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. (PA)

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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax is obligated to only report 100 % accurate information on my report and therefore need to delete anything not in line with this legal requirement. I have already notified them about this mistake I am attaching that they failing to remove from my report. They are aware of this as they are reporting it on my report. This is a FCRA violation and I will seek a consumer attorney to file action against them if it is not deleted right away.
Consumer complaint received 2018-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

The forged check was withdrawn from my account on XX/XX/18 for XXXX , you can clearly see it is not my handwriting, no my signature, also my fuel card company without my authorization withdraw money from my account : on XX/XX/18 XXXX , XX/XX/18 XXXX , XX/XX/2018 XXXX, XX/XX/18 XXXX $ and on XX/XX/2018 XXXX $ which chase refused to refund also.
Consumer complaint received 2023-11-01
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$11.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$13000.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$15.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance - Terms 120 Months Account info Account name XXXX XXXX Account number XXXX Account type - Responsibility Individual Date opened XX/XX/XXXX Status NO STATUS Status updated - Balance - Balance updated - Recent payment - Monthly payment - Original balance - Highest balance - Terms 1 Months
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 
XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Accounts Management, Inc (NE)

Accounts management in XXXX XXXX South Dakota have my address from two moves ago. I used to live in XXXX SD and moved to XXXX XXXX in XX/XX/XXXX. Ive been served the same papers by them from XXXX XXXX sheriff in XXXX in Nebraska. Today, XXXX sheriff at my work at XXXXXXXX XXXX  XX/XX/XXXX. My husband was served the exact same on the same debt amount to his work at XXXX XXXX SD in XXXX. I am not a South Dakota resident so I understand the Nebraska sheriff but this is very much harassment when my husband and I are getting papers from SD sheriff while we are working. We have called the XXXX department and asked to stop because we are not South Dakota residents.