davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with 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 in 60 days to be removed.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

There is a XXXX reporting on my credit report, These XXXX is not mine and is result of XXXX. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my XXXX XXXX so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

XX/XX/23 This issue is with Rushmore Home Loans. 

I have been trying to contact them since XX/XX/XXXX  I am in need of year end tax info which is not on their website. Additionally they have been " closed '' for the last week that I have attempted to call on the only two phone numbers I can find. Their email nor their chat box works. What options do I have to obtain my info?
Consumer complaint received 2023-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (VA)

XXXX XXXX  filed bankruptcy, my solar failed XX/XX/2023. Reached out to XXXX XXXX, rep advised this was a one time warranty fix and after that we would pay for additional repairs out of pocket. Also, they advised payments would stop until solar panel were operational, however interest on the loan would continue.
Consumer complaint received 2023-10-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc. (OR)

Professional Credit Service put a hold on my funds in my checking account. I have never received any type of communication from or phone calls to resolve this debt. I have contacted them on XX/XX/2023 and they are now requesting my bank statements from the last three months in order to partially refund the supposed debt that is owed. Tried to set up payment arrangements with them, but they are being difficult to work with, and will not listen to me. I dont feel I should have to send my personal bank statements to a creditor for wrongfully holding my money without the proper paperwork or communication.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I had an unrecognized Hard Inquiry Done by " XXXX XXXX  XXXX '' according to " XXXX '' credit reports. I discovered this on XX/XX/XXXX as my FICO credit score went down by 21 points which was reported to me from my current bank " XXXX XXXX '' I have not applied for any loans, Credit cards, or any other service from " XXXX XXXX XXXXXXXX '' or any other institution, business, etc. that requires a credit check sense the date of XX/XX/XXXX, as that was the date of my last credit card application.I believe this XXXX inquiry to be fraudulent. I have already informed " XXXX XXXX XXXX Fraud department, which in addition has discovered other inaccurate information that has been corrected. As well as posted a Fraud alert. It was recommended to file a complaint with the CFPB by " XXXX ''. I have not been able to contact a live person/ Fraud department representing " XXXX XXXX XXXXXXXX XXXX at the time of this writing to ask/inform them of the situation.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (NY)

The Experian free annual credit report does not print correctly. I printed all 3 credit reports from Experian, XXXX, and XXXX, and all were fine except for Experian. Their page/report is formatted in such a manner that there is a lot of blank space on the left portion of the page and the information on the right side of the page ends up being cut off. I tried printing the report in different orientations ( landscape and portrait ), different zoom levels, etc., and results were always the same. 

Information cut off when printing the report includes : My Name Balance Balance Updated Date Recent Payment Amount Monthly Payment Amount Credit Limit Highest Balance Terms Sample Provided with personal information redacted. 

Neither XXXX nor XXXX had this issue. In fact both them offer an option to download the report as a PDF, thus avoiding website formatting issues or incompatibilities with certain browsers ( I use XXXX ). Not only is Experian 's website unable to format the report in a manner that can be printed, but they also don't offer the report for download as a PDF. 

It appears to me that Experian have chosen to go out of their way in order to snub US citizens who chose to exercise their right to receive a free copy of their annual credit report. I can only assume the reports they sell on their website do not come with the " limitations '' that are included in the free report.
Consumer complaint received 2021-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I disputed a transaction with Capital One. I requested the accommodation under the ADA Title III that Capital One provide me with assistance, allow me additional time to respond if needed, and respond affirmatively to my accommodation request. Capital one did not respond, and unfairly denied me my rights under the Fair Credit Billing Act regarding my dispute. Capital One has NEVER responded to any of my accommodation requests under the ADA Title III, has repeatedly denied me my rights under the Fair Credit Billing Act due to their blatant refusal to respond to accommodation requests under the ADA Title III. In addition, I have had capital one customer service representatives hang up on me with I request an accommodation, or mention the ADA Title III. Capital One has denied me my rights under the Fair Credit Billing Act regarding my dispute with Case Number : XXXX XXXX  billed on XX/XX/2021 for {$790.00}. The did not give me enough time to respond ; they did not explain what they needed, and why they need it ; and they refused to respond my accommodation requests.
Consumer complaint received 2023-10-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I have spoken to your company and stated it was not my debt. I did have XXXX XXXX  and that has been resolved and the equipment has been returned. I owe XXXX XXXX nothing. I have NEVER had phone service or anything else from them. Please STOP this trying to collect money from me that I do not owe and do not allow this to become part of my credit report. 

Thank You, XXXX XXXX
Consumer complaint received 2023-02-18
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. (GA)

The address on report I have never lived. XXXX XXXX XXXX  XXXX XXXX CA, XXXX. 

Also my name is XXXX XXXX XXXX, not XXXX XXXX, or XXXX XXXXXXXX XXXX, nor XXXX XXXX XXXX
Consumer complaint received 2023-10-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : 15 USC Section 1692C -NO RESPONSE FROM : XXXX XXXX XXXX and XXXX or the creditors and no actions Sent to all of them Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX XXXX XXXX XXXX and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right To Whom It May Concern, I am disputing the referenced debts below. Please verify this debt as required by the Fair Debt Collection Practices Act. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies and inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the Fair Credit, Reporting Act. The law states these items need to be removed within 4 days of receiving our complaint. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated. 
Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX, XXXX and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right. 
I dispute this debt, because : This was a business debt that was paid on a XXXX XXXX  and I was billed extra and never did the other 3. 
{$270.00} x XXXX = {$820.00} from Kinum Inc., which is being investigated on wrong reporting and harassing clients, This is wrongful and needs to be removed right away. Not my debt. 

CC : Federal Trade Commission Consumer Response Center
Consumer complaint received 2023-10-08
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)

I received a letter from XXXX XXXX stated that this has been removed from my loan status and has been reported forgiving, attached is the letters from the loan provider for which I submitted to all three reporting agencies. XXXX, Experian, and XXXX have refused to remove the information or credit the account as satisfied. I have submitted two disputes for each agency only to state the previous information quoted to them in XXXX of XXXX  from the loan agency. If you notice the one account that I am disputing is the only account that has not been updated since XXXX when the loan was dismissed XX/XX/2023. Please see additional attached Letter.
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Collection company listed as XXXX XXXX and the creditor XXXX XXXX have deliberately REINSERTED an old debt ( Acct # XXXX ) that was previously DELETED from my credit files in XX/XX/2023. The account is currently being listed twice for {$790.00} ( XXXX XXXX for XXXX XXXX ) and {$320.00} ( XXXX XXXX ).
Consumer complaint received 2023-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX I sent multiple disputes letters to transunion and call creditors listed to report I retrieved a copy of my credit report and discovered that transunion has a total of 5 inquiries that I have no knowledge of. I asked to do a full complete investigation with a removal of all XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX, XXXX XXXX  ( Bank ) XX/XX/XXXX I did not authorized any transaction to be made on my credit report
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

On XXXX XXXX XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-10-10
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. (MD)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.
Consumer complaint received 2024-06-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (FL)

To whom it may concern, Several months ago, I sold some of my coins and had the funds deposited into my XXXX wallet. I recently decided to move the funds to my bank account but was unable to move them. I contacted support XX/XX/23 on the app and was told that the funds, which were listed under open orders would need to wait since I recently topped up some money to my card, per the support person 's instructions, which would require a week 's turnaround for it to post. This came at the end of a long conversation with support where they kept telling me that I had to sell crypto. I was not interested in selling crypto. I wanted the XXXX money in my wallet withdrawn. I was given this canned answer multiple times before we got them telling me to try topping up my card, which was a coinvent way to get rid of me because I tried to move the funds today after the deposit posted and still could not. The first person apologized to me, stating they would have this matter investigated and would get back to me. They never did. Conversation ID : XXXX Today, I contacted support again and asked for help and was given the same instructions to sell crypto. This time, they told me that if I sold some crypto, it would move all of the funds back to my XXXX wallet since the money I was wanting to move was in what they called a " Main wallet ''. I sold some crypto and was only able to withdraw the amount I had just sold. I reported this concern and they said that should have worked. They then defaulted to again to telling to me sell crypto. I explained that I had already done that and would like an alternate solution. They kept repeating this same answer until I asked for a supervisor. They told me that I need to sell the amount of crypto that I would like to withdraw, if I want the rest of my funds. The initial amount I sold was for {$100.00}. I still have {$9600.00} sitting in a " Main wallet '' and support doesn't seem to know how to move to a XXXX or help me in withdrawing it. They also refused to get a supervisor after I asked multiple times, choosing instead to repeat themselves over and over again to sell the equivalent amount I would like withdrawn, which makes no sense since I already have the funds as cash. Being told I have to sell crypto in order to get access to money in my account doesn't make sense and it's clear the person working in support doesn't care because all they can do is repeat themselves and refuse to escalate the matter. Conversation ID : XXXX I very much get the impression that I am being scammed since this seems to be an issue where my funds just aren't available to me for some reason and nobody has an explanation why. I have been a customer for years and I have always liked the services provided to me but this experience has been incredibly disheartening. Any assistance would be greatly appreciated.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have been trying to get my credit reports since XX/XX/XXXX. I filed a Chapter BK in XXXX of XXXX and it was discharged in XXXX. 

XXXX  has removed 90 % of my history. I had to send a XXXX page fax proving my identity. I still can not access my report. 

TransUnion also has identity issues but I can get to a partial report online. 

XXXX also has me blocked from obtaining my report even after uploading on my phone to the representative who said I would be able to access. 

I have had a 160 point drop in my score. I have been denied PPP, FEMA and SBA assistance and nobody will disclose why. 

I had no issues with my Covid tax stimulus or IRS Tax return but in XXXX when my score dropped, and XXXX  removed most all of my history I can not access ID.me for the IRS, SSA, and I have not gotten my unemployment credit not advanced child tax credit payments. 

I have a medical collection bill that was paid in full by XXXX XXXX XXXX XXXXXXXX XXXX XXXX that was sold to collections for {$250.00} and never got a bill. I have been working with two debit collectors, the insurance and medicaid. Every month its worse.

Multiple debt collectors discharged in BK in XXXX are reporting discharged debt and selling to new collectors. 



I need help.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (CA)

On XX/XX/2023, there was a hard inquiry made to my Equifax report from XXXX XXXX XXXX. I did not apply for anything and believe that I am a victim of identity theft. I filled a dispute with Equifax, but they say that it is a valid report and refused to remove it.