davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I reviewed my consumer reports and I noticed that I had 2 late payments on an account I was in fact never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XXXX XXXX XXXXXXXX for account # XXXX, and dates XXXX of XXXX for account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :
Consumer complaint received 2017-12-15
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: Experian Information Solutions Inc. (TX)

I. I have sent several letters dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX disputing errors on my reports. 
II. Experian was called on XXXX/XXXX/XXXX after the letters went unanswered. I spoke with one person who quickly sent me to XXXX. I began explaining that I recently learned that my identity had been stolen by my ex-sister-in-law. 
a. I asked about the name variations on the credit report and I was told that they were being reported by the creditors that way and she could not remove them. 
b. I went on to explain that I no longer used names and some of them were wrong. XXXX proceeded to tell me that she would not remove the names on the report. This is in violation to the FCRA of reporting correct information. 
c. I asked about the addresses. She reported that the addresses are being reported by the creditors and she would not remove them. 
d. I immediately told her she was in violation of the Fair Credit Reporting Act and she stated she didnt care. This was the way they were being reported and that is what would stay on my report. 
e. I didnt even get to the inquiries which about 19 of them had not been done by me.

f. I asked for the address to where I could serve them court paperwork and she refused to give me the address. She finally reported XXXX XXXX XXXX XXXX, Texas XXXX. 

I have also tried numerous times to get rid of inquiries and some incorrect information on my reports. They have refused to send actual verification according to the FCRA. They just keep telling me it is verified. I am tired of trying to get rid of incorrect information and when you call, they refuse to do it. 

I recently found out my Ex-Sister-in-law has stolen my identity as far back as XXXX : XXXX XXXX XXXX XXXX XXXX # XXXX : office number : XXXX : XXXX # XXXX.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

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 2023-06-22
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. (NY)

I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b 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 NEVER gave You, Experian any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Experian has caused severe stress and anxiety due to the abusive and unfair practices.

You, Experian, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

As per my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All listed with different dates By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is the several times I've complained about being a victim of identity theft. They must remove any accounts that were opened without my knowledge, consent, or authority within 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX has continued their predatory practice to include late payments, remarks, and negative history on my accounts across multiple credit reports/bureaus. After many attempts for XXXX and the reporting bureaus to fix the inaccurate reports I am still finding more or updated inaccuracies. After years of trying to repair the damage I found today they have still kept up this grotesque practice. 

My loans, like most, were transferred off of XXXX  to XXXX, and later XXXX, beginning in late XXXX. I have a welcome letter from XXXX  from XX/XX/year>. Somehow despite my accounts no longer being held by XXXX  for XXXX months and in the middle of a FEDERAL STUDENT LOAN FOREBEARANCE, XXXX  is showing I missed payments over XXXX  days late, negative comments, and late payment histories of multiple missed payments. 

I demand XXXX  write a letter to each credit bureau apologizing and highly recommending me for any credit line. I also demand penalties be assessed to XXXX for fraud, providing knowingly false reports and documentation, and negligence. Finally, I demand they remove all of their reports/accounts/etc from my credit reports across all bureaus.
Consumer complaint received 2023-10-20
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. (PA)

I am not liable for this debt with " XXXX XXXX '', " XXXXXXXX XXXX XXXX '' " XXXX and do not have a contract with " XXXX XXXX '' " XXXX XXXX XXXX '' XXXX XXXX  ''. They did not provide me with the original applications like i been asking for months.
Consumer complaint received 2023-05-01
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. (IN)

Account info Account name XXXXXXXX XXXX Account number XXXX In accordance to the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. 
15 USC 1681 Sec. 602, States I have the right to privacy.

15 USC 1681 Sec 604 a Sec. 2, it also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for purpose.
Consumer complaint received 2023-10-20
Product: Credit 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: CITIBANK, N.A. (VA)

CC company : Citi Cards ( XXXX card ending in XXXX ) Dispute ID : XXXX Dispute Merchant : XXXX Dispute XXXX : {$240.00} ( charge made on XX/XX/XXXX ) ( duplicate charge from XX/XX/XXXX ) I initially called XXXX on XX/XX/XXXX to book a one-way ticket ( XXXX ) for travel on XX/XX/XXXX and wanted to apply a {$100.00} travel bank voucher toward the ticket. The full price ticket was {$340.00} - {$100.00} travel voucher = paid price {$240.00}. I provided my CC # to the XXXXe Customer Service Representative ( CSR ) to finalize the purchase. However, I did not receive any confirmation on XX/XX/XXXX that a ticket was issued. I called XXXX again on XX/XX/XXXX and spoke with a different CSR to make the same booking request, and the CSR applied the travel bank voucher and charged my CC in the amount of {$240.00}. 

Subsequently, three separate charges from XXXX appeared on my CC, one of which ( {$340.00} ) was credited by XXXX. I then contacted Citi to dispute the extra charge of {$240.00} which Citi has failed to do its due diligence to resolve with XXXX. Coincidentally, I also talked to XXXX about the dispute and XXXX claimed they did not see an extra charge of {$240.00} on their end, and instead pointed the finger at Citi. What is undisputed is I purchased a ticket for travel on XX/XX/XXXX ( record locator XXXX ) in the amount of {$240.00} and nothing else from XXXX for that date, and I was charged {$240.00} x XXXX = {$480.00}. XXXX XXXX or Citi wrongfully took {$240.00} from me. I kindly request a reimbursement of {$240.00} to my CC account. Furthermore, Citi and/or XXXX should be held accountable for their lackadaisical effort in resolving this dispute. This is why I am taking the time to submit a complaint to CFPB so that you can assist me in righting a wrong. I can provide additional information as needed. Thank you. 

XX/XX/XXXX statement XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  {$240.00} NAME : [ My First Last Name ] DEPART : XX/XX/XXXX XXXX TO XXXX : XXXX : CLASS : O : STOP : XXXX TO XXXX : XXXX : CLASS : O : STOP : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$340.00} NAME : [ My First Last Name ] DEPART : XX/XX/XXXX XXXX TO XXXX : XXXX : CLASS : O : STOP : XXXX TO XXXX : XXXX : CLASS : O : STOP : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX$240.00} NAME : [ My First Last Name ] DEPART : XX/XX/XXXX XXXX TO XXXX : XXXX : CLASS : O : STOP : XXXX TO XXXX : XXXX : CLASS : O : STOP : XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  - {$340.00} XX/XX/XXXX statement XX/XX/XXXX CITIBANK CONDITIONAL CREDIT FOR DISPUTE - {$240.00} XX/XX/XXXX XX/XX/XXXX REVERSE XXXX XXXX XXXX {$240.00} New balance {$870.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$870.00} - {$870.00}
Consumer complaint received 2023-10-25
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER
Consumer complaint received 2023-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation (KY)

I got a consolidation loan from Heights Finance in XXXX Ky in XXXX of XXXX for {$7200.00} I had problems when Goin in to pay my monthly payment. At the time they didn't except cards over the phone. I was told they weren't set up to do it at the time. I tried to break my payments down half at the beginning of the month & half in the middle of the month. They didn't wan na do that. They wanted all the $ rite then & there. For {$7200.00} they wanted me to pay back almost {$17000.00} that's over double what I borrowed. I tried to work with them like I do anyone else I owe! They refused to work with me. They took me to court & sued me for the XXXX On XX/XX/XXXX Which they over charged there as well plus there attorney fees etc... The agreement was? I pay {$200.00} a month until it was paid. I was late a few times on my payment but it was paid. I even paid 2 payments in XXXX. I called to make XXXX 's payment on the XXXX of this month & they refused it. I had been in the hospital XXXX XXXX XXXXXXXX & was a day late. They said I should of called to let them know? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are now trying to garnish my wages from my job on 40hrs a week & I don't work full time. I'm a part time employee at my job. Sometimes im luvky to get 15 hrs a week. Im a single mom. The wellfare of my child is the most important thing to me & she comes first. I don't want this to happen to anyone else!!!
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I HAVE CONTACTED EQUIFAX, XXXX, AND XXXX, REGARDING FRAUDULENT INFORMATION REPORTING TO MY CREDIT REPORT. I HAVE SENT IN MULTIPLE POLICE REPORTS, AND THE CREDIT BUREAUS HAVE NOT DELETED THESE ITEMS WITHIN XXXX BUSINESS DAYS OF RECEIPT OF THE INFORMATION, VIOLATION SECTION 605B OF THE FCRA. THIS INFORMATION HAS BEEN VERY DAMAGING. I HAVE ALSO REQUESTED ORIGINAL WET INK SIGNATURE CONTRACTS PURSUANT TO SECTION 609A OF THE FCRA. EQUIFAX HAS STATED TO ME THAT " CREDITORS '' DO NOT NEED TO SEND IN VALID PROOF ( ORIGINAL WET INK SIGNATURE CONTRACT ), which is not lawful. I negotiated with the representatives as well as sent in supporting documentation regarding XXXX, XXXX BANK, XXXX XXXX, as well as sent in my FTC report from the FEDERAL TRADE COMMISSION. I am rquesting that these accounts are DELETED PERMANENTLY in a timely manner. THESE BURUEAS HAVE NOT RESPONDED AND PROVIDED THE PROPER DOCUMENTATION WITHIN XXXX DAYS. 

XXXX # XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$20000.00} XXXX XXXX XXXX # XXXX {$4100.00} I HAVE CONTACTED MY ATTORNEY WHO IS PREPARED TO BEGIN A LITIGATION PROCESS SHALL THESE ITEMS NOT BE DELETED WITHIN XXXX BUSINESS DAYS. FAILURE XXXX COMPLY WILL RESULT IN A LAWSUIT AGAINST EACH AGENCY REPORTING UNVERIFIED/FRAUDULENT INFORMATION TO MY CREDIT FILE.
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: CITIBANK, N.A. (TX)

Over a year ago I was granted a Home Depot Store credit card with a {$2000.00} credit limit. I did not exceed my limit and made all payments on time. Without warning at some point my credit limit was reduced to {$600.00} and then {$500.00}. However, Home Depot never corrected what was considered to be a high balance when the credit limit was {$2000.00}. 
As a result my credit reports show a {$500.00} credit limit with a high credit balance of over {$900.00}. This is not fair because it can be easily be construed that I exceeded my {$500.00} credit limit by {$400.00} dollars and that never happened. There is no history showing that my credit limit was more than {$500.00} at the time I had the $ XXXX due.
Consumer complaint received 2023-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (VA)

I have called the company, XXXX XXXX, on XXXX XXXX. i spoke to a representative who informed me an overage in my account could not be credited to me so the entire mortgage payment would be credited back to me then I would need to pay the mortgage amount without the overage. this did not happen. The mortgage payment was not credited to my account. 
On XX/XX/XXXX I contacted the company to inform them i want my escrow account fully refunded to me. they asked for proof which was provided within hours. 
no action has occurred. 
I have spoken to a manager who says within the next 2 weeks I will hear about the resolution of this issue. I dealing with this company they have lied to me on multiple interactions.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

I can't see my credit report because my identity can't be verified. I'm a victim of identity theft and I need help I'm losing the battle by myself. Bank accounts and loans and credit cards are being used in my name fraudulently. I need assistance please.
Consumer complaint received 2023-10-20
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. (IL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Last month on XX/XX/ my purse was stolen and in it I had my phone several debit cards, identification card social security card, money etc..I made a police report about everything that was taken, but at that time I could not let them know that amount if any was taken for me in my bank account from other account so I had to wait and see I wasnt able to get any type of access to my Wells Fargo account until XX/XX/ and which I came to find out that almost {$4000.00} Ive been taking for me I immediately filed several disputes, changed my username and password, canceled my card and re-ordered a new one and set up voice verification to my account to ensure a better security of my account. it is now XX/XX/ and my disputes all have been closed. and no, my name has been credited to my account. I was never asked to send any paperwork in the police report. Nobody is home just speak to me not even sending email anything to notify me of the decision or why they decided that or anything and Ive been sitting there patiently without having any of my money, Ill be able to pay bills buy groceries and Ive had no communication and Basically I feel like Im being robbed again because I have no money in my account which was taken for me and no communication between the Bank and myself on their behalf to ask for any supporting documents and I need my money Im not just gon na let somebody steal my money, and walk away with it And let it go so I would really appreciate help with this because it is actually causing a hardship on me and I need my money back.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-07
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: RFNA, LP (GA)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Company has charged off on account. Income IRS, XXXX etc states income isnt included on a credit report. Charge offs are taxable which means its income. I have not received a 1099 from company and will be reporting that to the irs.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.