davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (FL)

Renewal for my home insurance ( XXXX policy # XXXX ) ( wind, fire, homeowners ) is due and the premium went from {$6800.00} to {$9300.00} based on information from LexisNexis Consumer Service Center. 
They state that 1- % if depart store accts reported inlast 24 mo to total # accts 2- % open retail accts to total open accts 3-insufficient information on personal finance accts 4- # of  accounts that have been established I called the XXXX # provided ( XXXX ) for LexisNexis and only an automated robot was available which would not accept the reference # I was given ( XXXX ) but instead was asking for full name, DOB, SS XXXX. 

I have no outstanding balances on ANY credit card. I only use VISA and MASTRCARD which I pay in full each month. I pay monthly the mirtgage, phone, gas, electric, and car insurance. I hace a XXXX card  which is paid in full and an inactive XXXX and XXXX also paid in full. 

This raise in premium based on Lexis Nexis is completely inappropriate. I suspect it has to do with a claim last year due to Hurricane Irma which was actually not covered by them but by the flood insurance!! It is simply outrageous! 

Please help me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing concerning my credit report, which contains inaccuracies requiring your attention. Specifically, I dispute this account : XXXX XXXX XXXX 

The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in these accounts from their records due to identified errors. I am perplexed as to how your agency has verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 2022-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

COMENITY BANK canceled some credit card debts in XXXX, and sent 1099 to the IRS for XXXX. The cards were closed, and the transaction ended in XXXX. I have been calling, and writing to them. I never received a reply, and need them to correct it. 

I now owe the IRS close to {$5000.00}, and am a XXXX XXXX  My main income is Social Security, and my rent just went up by {$100.00}. 

I have spent hours on the phone, and was told to get a lawyer. I can not afford to hire an attorney, and don't really need one for this issue. Comenity can fix it, and make a mistake. 

I need COMENITY BANK to resend 1099 to the IRS for XXXX, and NOT XXXX. 

I have the documents to prove the case was settled in XXXX, and not XXXX.
Consumer complaint received 2023-06-19
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: Experian Information Solutions Inc. (SC)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, SCXXXX  XX/XX/XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (SC)

They closed my account after it was hacked and all these over draft charges were given. They refused to help, they refused to take XXXX of dollars over over draft fees back and i have had these account for decades.. They would charge XXXX for over draft even when a deposit was pending, they refused to remove them. They refused to help when i reported my account being hacked. It is still a mess. I went to Wells Fargo multiple times and they refused to help told me i had to call the fraud department which is a joke! They refused to help, do not call back and still say i own XXXX. They have taken XXXX of dollars from in over drafts. They have even told me i would never be able to have an account there again and they closed my account yet still they are wanting me to pay XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Timely payments on this account have always been my priority, preventing any occurrences of overdue payments. I'm unclear as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are mandated.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-10-16
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)

There is a FRAUDULENT item ( XXXXXXXX XXXX XXXXXXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Consumer complaint received 2023-10-19
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. (FL)

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 2024-04-11
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. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher peoples information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MIDCOUNTRY FINANCIAL CORP (CA)

While in the military I took out a loan. Upon discharge I ran into financial pitfall. XXXX XXXX military lending company refused to accept payment directly from me and mad me pay their collector. Account payment was agreed And settled in full with documentation to prove. I called XXXX XXXX company they said the account was closed and paid in full. I filed multiple disputes to have the account corrected. I called the primary creditor only to have the agent say that they will not report the account paid in full even though it is for 60 days. I told them they were lying to the CRA about the status and she said well it took you longer to pay us back. I continued to file disputes showing documentation and the creditor continues to say account is delinquent and add interest charges. This here is classic example of creditor taking advantage and punishing customer.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I previously had an auto loan with XXXX XXXX XXXX XXXX however, the vehicle was totaled and paid off by XXXX XXXX insurance company. This account currently shows on my credit report as Charged Off Purchased by Another Lender however the new lender does not appear on my credit report ( XXXX XXXX XXXX XXXX still appears as the creditor, even though the remarks on my credit report state that it has been sold ). Additionally I did not receive a 1099-C from XXXX XXXX even though they have charged off the alleged debt. In accordance with the Fair Credit and Reporting Act ( F.C.R.A. ) XXXX XXXX XXXX XXXX has violated my rights under 15 U.S. Code 1681 s-2 which states that creditors and/or the banking industry are required to accurately report on consumer credit reports.
Consumer complaint received 2023-09-20
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. (MD)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My information was sold and bought illegally because I was a victim of the XXXX Data Breach. I want these items de ; deleted from my credit reports immediately. I am attaching proof that all three credit bureau ( XXXX, equifax, and XXXX ) admitted that I was in fact a victim of this data breach and has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-16
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. (IL)

To whom it may concern. I have reached out to Experian on XXXX  separate occasions to validate and delete account information that pertains to another consumer. First time in XX/XX/XXXX and the second time in XX/XX/XXXX. In XX/XX/XXXX, I received a response from Experian and they deleted closed accounts that are not mine from my credit report. All the active and outstanding debts from another consumer are still reporting on my credit report. This is negatively impacting me in obtaining my own home. Please see below for this information. Thank you. 

XXXX XXXX XXXX Past Due {$5900.00} XXXX XXXX  Collection {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX  {$710.00} XXXX XXXX Past Due {$600.00} XXXX XXXX Late Payments in XXXX XXXX XXXX XXXX Charge Off {$6900.00} XXXX XXXX Charge Off {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$32000.00} Incorrect Consumer Information : XXXX XXXX Debts above belong to the consumer above.
Consumer complaint received 2024-04-11
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. (FL)

Equifax XXXX XXXX XXXX XXXX XXXX XXXX  RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations, and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph.

( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to remove this inquiry under Section 604 - The following inquiry was not authorized and should not be reporting.

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Consumer complaint received 2018-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ASSOCIATED BANC-CORP (IL)

I had a credit building loan account with Associated Bank that was closed in XX/XX/2018. Associated Bank and I are currently in dispute regarding the date of the last payment and how it is being reported on my credit reports. Associated Bank claims the account was paid over 30-days late. Regardless of if the account was past due at the time of last payment, Associated Bank refuses to list the account as current. My last payment to this account paid the balance owed in full and Associated Bank is reporting that the account is currently 30 days past due. The account can not be both paid in full and past due yet Associated Bank refuses to listen to me on this matter and they continue to issue blanket denial letters when I inquire about this. Even if the last payment was over 30 days late ( which is was not ) this account would no longer be in a derogatory status because, as I've said and I repeat, it has been paid in full and closed. Accurate data reporting is the cornerstone of the Fair Credit Reporting Act and Associated Bank shouldn't need disputes to know that.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher peoples information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.