davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-26
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. (TN)

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, Equifax Credit Bureau, and XXXX Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact XXXX XXXX, Equifax Credit Bureau, and XXXX Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.
Consumer complaint received 2024-03-22
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX. XXXX XXXX XXXX XXXX credit card The report shows that I'm late for the month of XXXX I have paid for XXXX and the balance is lower than it shows on my credit report I Would like for my account to be updated to remove that late payment off my credit report and balance. 


XXXX. XXXX XXXX XXXX  credit card is paid off and the account is closed.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I bought a XXXX XXXX  in XXXX, brand new with a 20 year XXXX mile warranty. Car had catylic converter replaced twice. Knocking sound started in engine around late XXXX, XX/XX/XXXX. Tool car to dealership in XXXX Ga. I was told it had a recall in the engine. I was asked to fax my maintenance records. I did so. They refused to go or warranty, leaving me to drive the vehicle till engine stopped. The vin # XXXX My vehicle was included in a class action lawsuit for the engines in these vehicles. 

XXXX XXXX XXXXXXXX XXXX XXXX  actually owes me money, yet they place negative information to TransUnion, XXXX & XXXX as a bad debt, collection, charge off with a almost {$8000.00} balance. I the consumer was frauded by XXXX XXXX and I'd like for this to be removed from my credit reports. I have screenshots of mail I was sent by XXXX XXXX involving my vehicle in this class action lawsuit. Please investigate. Veteran of the armed forces. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2018-10-26
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: EQUIFAX, INC. (AL)

I opened a dispute with XXXX for XXXXXXXX XXXX who is reporting a {$70.00} debt since XXXX, and now they are stating on my report it will not come off until XXXX..the account has been charged off..XXXX XXXX keeps changing debt date to keep it on my credit, that is the only way they could hold this debt until XXXX..
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My complaint is to bring to your attention some serious concerns regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 in relation to the accuracy of consumer reporting and the handling of personal information. I have discovered numerous inaccuracies and discrepancies. According to the FCRA, consumer reporting agencies such as XXXX are obligated to provide accurate and up-to-date information to consumers. My credit report includes several entries that are factually incorrect or outdated ( see attached for inaccuracies ). I urge XXXX to conduct a thorough investigation into the accuracy of the information included in my credit report and take immediate steps to rectify any errors. I expect XXXX to comply with the FCRA provisions by promptly correcting any inaccuracies and providing me with an updated, accurate credit report. Additionally, I have identified another violation pertaining to the Privacy Act of 1974. Personal information, including addresses, is a crucial aspect of consumer reports. However, I have noticed that my credit report contains non-mailable addresses, which are invalid and irrelevant. The inclusion of such addresses not only compromises the integrity of my credit report but also raises concerns regarding the security and privacy of my personal information. 

I demand that XXXX takes immediate action to rectify this violation by removing the non-mailable addresses from my credit report and ensuring that future reports do not contain any irrelevant or invalid information that XXXX compromise my privacy. I request that XXXX provides me with written confirmation of the steps taken to address these violations within 15 days of receiving this complaint. It is imperative that XXXX upholds its responsibilities under the FCRA and the Privacy Act of 1974 to protect consumers ' rights and privacy.
Consumer complaint received 2023-09-13
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: Experian Information Solutions Inc. (NY)

As I was reading through my Clairty consumer report I seen a total of 8unauthorized inquires that I did not get no benefit from, nor do I have an account with. I never gave none of these companies permission to check my credit report and report this in my consumer report, nor I did give Clarity services authorization to give these companies a copy of my report, Clairty services never informed me they received any request that never gave me a decision if I wanted these companies to have a copy of my report. The fact that these companies checked my consumer report and put information inside my report without my consent is indeed identity theft.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX. XXXX XXXX XXXXXXXX XXXX  credit card The report shows that I'm late for the month of XXXX I have paid for XXXX and the balance is lower than it shows on my credit report I Would like for my account to be updated to remove that late payment off my credit report and balance. 


XXXX. XXXX XXXX XXXX  credit card is paid off and the account is closed.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A State I have the right to privacy 15 U.S.C Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-22
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. (GA)

EXPERIAN claims they investigated an account and contacted the data furnisher to verify the account however they BLATANTLY LIED and I have documentary proof. XXXX XXXXXXXX XXXX is closed ( via my screen shot ) so how could EXPERIAN verify that I was never late in this acccount? If EXPERIAN claims they received a copy of the notice that was sent to me by XXXX XXXXXXXX XXXX via green certified mail return receipt with my signature on it proving they notified me in writing prior to furnishing negative accounts to my consumer report please provide it or update this account to PAANL ( Paid As Agreed Never Late )
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP (OH)

Purchased an item from a company for my car. Once I got the item, I attempted to install said part and found out that the part was the wrong size. The company advertises this part to fit my car and I emailed them before hand to confirm. So either the part was mis-advertised or defected. After going back and forth with the company I bought the part from, for close to a month, trying all their trouble shooting steps ; they told me to return the part. 

I returned the part and they refused to refund the original charge and never returned the part to me. Therefore I no longer have the part, I attempted to fix the issue with the merchant and they still have my money, I disputed the charge with Keybank and they never issued provisional credit within 10 business days and it took close to 2 months for the dispute to be finalized. They never requested additional information from me, which I had plenty of evidence to submit. I finally got a letter saying it was denied and to contact merchant. 

Upon contacting the dispute department with Keybank, the first rep repeated why the dispute was denied in the letter and then when I asked why they didn't take my evidence into consideration, she didn't really give an answer. She then told me to go to small claims court and hung up. 

Covered under Reg Z is consumer protection regarding credit card disputes. Including disputes filed because of damaged and or items not as described. I believe Keybank is in violation of Reg Z.
Consumer complaint received 2023-12-04
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. (LA)

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 2023-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. Under 15 USC 1666B this is a billing error always payed as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because 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 ). 

Sincerely yours, XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

Newrez / XXXXXXXX XXXX Is telling me that my ESCROW account is low so they raised my mortgage payment up {$200.00} for the next 12 months!!!! 
This is the second time they have done this to me. 
This is totally separate from my complaint but I share this information with you because, Ironically Newrez / LOAN care has me confused with another person in California with my name XXXX XXXX. Newrez sent me a text telling this other person THAT THEIR ESCROW ACCOUNT WAS LOW AND THEIR PAYMENT WOULD BE GOING UP TO REPLENISH THEIR ESCROW ACCOUNT!!! 
THEY ARE DOING THIS TO OTHER PEOPLE!!! 
What I want is an AUDIT of my LOAN and ESCROW account. My TAXES WENT DOWN THIS AND SO DID MY INSURANCE SO HOW CAN THIS BE ACCURATE. I WANT LOAN CARE TO REFUND ME THE {$1200.00} DOLLARS FROM THE FRIST TIME THEY TOLD ME MY ESCROW WAS LOW, AND REFUND ME FOR XXXX AND XX/XX/2023 {$400.00} THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My XXXX XXXX Home Equity Line of Credit says it was late XX/XX/2019 both on XXXX and XXXX  and XX/XX/2019 in Equifax. 

It was already confirmed by XXXX XXXX that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

XXXX XXXX has already acknowledged this error, but the late payment is still showing up on my credit report.
Consumer complaint received 2024-03-19
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. (NY)

I haven't applied for of given written permission to the bureaus to furnish this information. This is a violation of 15 USC 1681b. By reporting theseThey are reporting unauthorized fraudulent information willfully. This is theft of identity. In accordance to 15 USC 1681c-1 and 15 USC 1681 c-2 these need to be deleted and blocked. see attachments
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (NC)

I am disappointed and upset that the credit bureaus would not care about my consumer report. I recently pulled a XXXX  crrdit report and was applaud with all of the negative things that are reporting illegally on my consumer report. I have not given and credit bureaus or company permission to the attached account into my report. This is violating my rights and breaking the law. I am requesting that this following charge off that is in the attachments be removed immdiately.This is going against the law per 18 U.S. Code 1028A - Aggravated identity theft.
Consumer complaint received 2023-04-24
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXccount Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-23
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.