davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

I have never once given you guys a permissible purpose to furnish this bankruptcy account on my credit report whatsoever. You can not produce any contract with my signature giving neither you nor the bankruptcy court permissible purpose to furnish this bankruptcy on my credit report. Therefore Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/2016 Reference # : XXXX should be removed from my credit report entirely!!
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

The following inquiries on my reports are unauthorized and not mine : 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
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (GA)

Bankruptcy filed XXXX XXXX XXXX  XXXX Us Bankrutcy Court I wrote/Call a letter to the courthouse of Georgia To verify if they report Bankruptcy to credit reporting agencies and my Feedback was they do not report to Reporting Agencies. 
I would like to know how the credit Agencies Soecify my Bankruotcy as Accurate.they never performed a fair investigation according to 15USC1681A 15USC 1681 section 603 ( 3 ) ( E ) state the consumer report portion thereof in which information on a consumer characterized general reputation of personal characteristic or mode of living is obtain through personal interviews Infirmation should not include specific information on credit report obtain directly from the consumer or from consumer reporting agencies when such information was obtained directly from the creditor My rights was violated by given rights under US c 1681A According to USC 1681sectuon 602A stated I have a right to privacy
Consumer complaint received 2023-10-22
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. (NV)

I have not given my consent to publish my personal information and I am unaware of all these inquiries that are affecting my credit report and I have reported to all the agencies that are reporting these inquiries that are fraudulent and have not done anything to remove them and it is damaging my credit and these are the names of the companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (TN)

I received an emailed showing that someone was approved account for a XXXX XXXX XXXX, that was processed online with my discuss security number and an address I had while I was a military spouse over 13 yrs ago. It was with my old last name as well
Consumer complaint received 2023-08-01
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 — Investigation took more than 30 days
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This company ARS keeps reporting this medical bill which does not belong to me and they refuse to show proof that the debt belongs to me or was incurred by me. I have made multiple attempts at getting in contact with them and getting something from them in writing to no avail. They are hurting my credit report and score and keeping me from being able to grow my business because of this inaccurate account. I have sent them a letter requesting debt validation SEVERAL times with no response. Then I sent a failure to respond letter and still nothing. Please assist me in getting them to remove this account off of my credit report thank you very much.
Consumer complaint received 2023-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (TX)

I sent XXXX XXXX  through Paypal to a person providing training services for a workshop I will attend in XXXX. 

To my surprise the person on the other end was charged XXXX XXXX  in fees. Apart from the embarrassment of not knowing I was sending a smaller amount, now I need to send the remainder of the total payment. 

I contacted Paypal because, at no time while I was processing the payment to be sent, did Paypal disclose the fee to be charged. 

Paypal says that the information about fees is on their webpage. I responded that that is not very transparent on their part, BUT, more importantly, that at a minimum such fee should have been disclosed on the receipt I received from Paypal after the payment was sent. In fact, the after the fact receipt ( attached ) is misleading where it says that the amount I sent WILL BE RECEIVED by the person on the other end. Obviously this can not be true if Paypal will deduct a fee. 

It is obvious to me that Paypal is doing the most they can to hide the fees they receive. Had I known about that fee, even if after the fact, I would have had the chance to contact the person on the other end to know. Also, knowing in advance would have allowed me to submit a higher payment to cover the fees. 

Paypal needs to disclose they fees that they will charge on the other en XXXX the transaction. This is not a surprise for them. It should not be a surprise to the customer planning to send a payment either. 

After talking to an agent and then a supervisor, the answer from Paypal boiled down to some statement along the lines of " too bad. ''
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC (MD)

I have a charge off account with Mariner Finance That's has been paid and settled. This is still showing up as a charge off on my credit. Can you please remove this from my credit. I have received a 1099C.

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-03-15
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. (WI)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

A credit card was opened in my name for Best Buy at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

Two charges were made, once on XX/XX/2023 for {$1300.00} and again on XX/XX/2023 for {$1200.00}. A credit limit of {$4000.00} was opened and a total purchase of {$2600.00} was made in my name. I have never inquired or tried to open an account with this company. I contacted the company with no resolution in site. Either redirected my calls or was unable to properly communicate with me.
Consumer complaint received 2023-08-22
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-08-17
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. (IA)

I am disputing this accounts with XXXX XXXX XXXXk XXXX, XXXX, and XXXX entirely. I am a victim of Identity Theft and requesting application records, signature cards, address ( s ) on file, address change, phone number on file, email on file, full banking records and statements for the past 7 years, copies of any signatures, cosigners, co-applicants, photo copies of all checks, authorized users, any signatures or authorized users on file both electronically and wet, all copies of withdrawals, transfers, and any documents, or transactions that is found linked to these accounts and others if applicable for XXXX XXXX or XXXX XXXX XXXX XXXX. or my social security number and birth date. 

I have an ongoing criminal investigation with the XXXX XXXXXXXX XXXX XXXX  Case # XXXX and XXXX # XXXX. This is only the beginning of my Identity Theft as It was just discovered. Theres more but until the investigators do their due diligence, and the financial accounts cooperate, theres not much more I can provide.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

I have a private student loan through XXXX XXXX XXXX, a private loan through XXXX XXXX, and federal loans. I have never once EVER had an issue with my loans from the federal government nor have I ever had an issue with my private student loan through XXXX XXXX. From day one, there have been nothing but continuous issues with XXXX. Even when Im a XXXX they put me in repayment and do NOT defer my loans. My co-signer and I have credit reports backdating to XXXX when they initially started making these reports and I was a XXXX XXXX XXXX. Fast forward to XXXX. They started reporting in XX/XX/XXXX to the credit reporting agencies that I was not making payments. No I was not making payments as I was a FULL TIME XXXX XXXX IN XX/XX/XXXX! When confronted with the facts and that they CAN NOT EXPECT ME TO PAY ON MY LOANS FOR AT LEAST 6 months. They continued making reports and both mine and my co-signers credit scores have dropped tremendously. The ONLY BAD REPORTS are coming from XXXX XXXX XXXX. As I have explained to these people. I will be back in seat in my XXXX XXXX on XX/XX/XXXX. Nonetheless, they can not continue making these false reports because I had 6 months from the time that I ended the semester in XXXX to make my first payment. We want to seek legal action as we have well documented records clearly depicting that I have always maintained XXXX XXXX XXXX status. Which is evident by the FACT that both XXXX XXXX and the FEDERAL GOVERNMENT HAVE NEVER EVER EVER put my account in repayment. The attorney that I spoke with said to put it in writing with you first so that is what my co signer and I are doing.
Consumer complaint received 2023-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (NJ)

I have disputed this account with XXXX, XXXX, and XXXX respectively and each time the credit bureaus state that the information was verified by the credit grantor. However, there are a number of sections that are inaccurate/incomplete on my credit report. I sent a dispute letter to Mariner Finance along with copies of Mariner Finance tradeline from my XXXX, XXXX, and XXXX credit reports on XX/XX/XXXX. In the dispute letters I requested that Mariner Finance correct the errors as well as, provide the data that was missing. I received a blanket response from Mariner Finance on XX/XX/XXXX.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This Company has violated my rights as a Consumer by not complying with the law by consistent ignore my Right to Privacy in accordance with : 15 USC 6801 ( a ) The Company has ignored it's obligations pursuant to : 15 USC 6801 ( b ) 15 USC 1681 ( a ) I am requesting that this company remove and delete the following named accounts immediately and cease reporting any of my personal information without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (GA)

On XX/XX/XXXX I was online looking for a short term loan to pay unexpected expenses. Due to the debt I have my bank wouldnt provide a loan this time until I can pay off credit cards. But I still had the unexpected expense, so I needed a loan to cover it. I XXXX affordable loans and I applied for several, but they said they couldnt lend in Georgia. Then I found Uprova would when applied. I only borrowed {$800.00} and they had the installment for 24 months paying back over {$3800.00}. 

I only borrowed {$800.00}. So I thought, Im just paying this off on XX/XX/XXXX so Im not carrying it that long. The next problem is, they arent taking payment monthly its every 2 weeks for {$170.00}. So I informed them I get paid monthly. The guy on the phone said hed do so alteration of dates to work it out. What that looked like : I was given {$800.00} loan in account on XX/XX/XXXX. My account was drafted {$170.00} on XX/XX/XXXX and XXXX on XX/XX/XXXX. Then they claim one or both of those payments were late. So on XX/XX/XXXX they attempted to do another draft to account for {$170.00}, but funds unavailable. Again saying Im late. Ive already paid {$340.00} for an {$800.00} loan and only {$60.00} went to principal. It states now my total balance owed is {$940.00}. 

This company is a tribal lender and I didnt know it was against the law in Georgia XXXX Further, they should have known they couldnt lend in Georgia as other companies informed me. I would like assistance in simply paying the {$940.00} due on XX/XX/XXXX and no further interaction with the theft from a loan company. I dont want to steal, just pay what I owe on XX/XX/XXXX as I planned, without the added fees or any expectation of me paying {$3800.00} and I only borrowed {$800.00}. 

Im a XXXX Veteran total and permanent and I was in a XXXX  I thought this was helpful, but I see its a payday loan type scheme. Is there some type of mediation that can assist me in simply paying the {$940.00} balance on XX/XX/XXXX as I planned and informed them when getting the loan. I will have the money. I just dont want the on going manipulation. Just pay and be done. 


Because in the end I would have paid by XX/XX/XXXX {$490.00} in interest plus {$800.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total : XXXX on a {$800.00} loan.
Consumer complaint received 2024-03-14
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. (MI)

To whom I might concern, I need help I seened my credit report EXPERIAN XXXX AND XXXX and called them because I have found inquiries that are not mine and I have asked them to erase it of my credit report I also contacted each company and ask them to erase an inquiry that is not mine and is done fraudulently. Please remove fraud inquiries of my credit report. The inquiries are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also credit berau have incorrect information in an account that is paid off and I have the proof of it and I need it to be clear and paid off on time as I did paid off on time.
Consumer complaint received 2023-02-25
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. (CA)

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they have also violated my rights under 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. 

The account : XXXX # XXXX is still reporting to my credit report Inaccurate information I received a letter from XXXX, Stating THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. This a violation of my rights
Consumer complaint received 2023-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WY)

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 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I was applying for a new credit card with Amex due to the welcome bonus offer, which states that I can ear {$200.00} in statement credit after opening {$2000.00} within the first XXXX months. After activating the new card, customer service informed me that the offer was " declined, '' but I did not receive any indication during the application process.