davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
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. (MD)

I have been disputing items on my report since XXXX with no prevail. My credit score dropped because an account that is a charge-off ( after 120 days ) is still reporting open on 2 of the 3 Bureaus. This had affected my credit score significantly. Please help me fix these issues. I know they are in violation of my rights, but NO ONE will fix it.
Consumer complaint received 2024-03-26
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. (KY)

XXXX XXXX XXXX XXXXXXXX XXXX There is several inaccuracies listed on my credit report from this company I have requested the account to be fully removed from my credit report under the fair credit act. All information should be reported 100 % accurate. Any inaccuracies found on a credit report is a violation to the law. 
I have already filed a complaint and this company did nothing but update more Inaccurate information. See all attachments. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXXXXXX Account Number : XXXX XXXX. Past Due- {$3700.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX on the Account, incorrect info and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXXXXXX XXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXXXXXX Account Number : XXXX 1. Past Due- {$3700.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX on the Account, incorrect info and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-02-06
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. ()

1. XXXX XXXX repossed my car even though i was in the XXXX  and protected under SCRA in XXXX. I called the lender and they said they didnt care and that i have no right because i owed them money. I WAS NOT AWARE OF MY RIGHTS under SCRA.

The reporting of that account is wrong on payment amounts, dtaes the account was closed and the date of last reporting. Its different across all 3 credit agencies and i put a dispute some time ago and they reported that everything was correct. The dates do not match up to eachother from ahency to agency. 
2. XXXX XXXX, XXXX, XXXX  also failed to get accurate date on last reported and last payment dates. Sent dispute to credit agencies and came back validated. Still the dates do not match from agency to agency. I need help. I am trying to fix my credit and I can not tell what debt is mine and what is accurate or what is not.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX 
Acct # XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Has violated my rights. 
15 USC 1681 Section 602A. StatesI have the right to privacy.

15 USC 1681 Section 604A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681C ( a ) ( 5 ) section.

States : No consumer reporting agency may make any consumer report containing any of the following items of information. Other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681S 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (OH)

I have sent several request re : unauthorized inquiries on my credit file and this company has yet to respond. More than 75 days have passed and the inquiries are still on my file and I need them removed immediately.
Consumer complaint received 2024-03-26
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. (MO)

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 XXXX party. They in fact did not come from a XXXX 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 2023-05-30
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. (DE)

This is XXXX XXXX XXXX please 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.
Consumer complaint received 2023-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (UT)

Dear BRIDGECREST FORMERLY XXXX # XXXX ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/ for 300 days late :? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being XXXX with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

They are saying I opened a credit card with them in XX/XX/2022 which I HAVE NEVER HAD A CITIBANK ACCOUNT. They are reporting derogatory remarks on my credit report and are refusing to fix it. I dont have a Citibank account and I have not opened a credit card account in 10 years. This is not okay they are reporting incorrect information
Consumer complaint received 2023-02-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XX/XX/2023 I mailed a letter to XXXX XXXX XXXX XXXX account ending in XXXX in regards to their company being in clear violations of 15 USC 1681b - permissible purpose of consumer reports, and how the law clearly states : a In general - subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to who it relates. I wrote them to remove all late payment from reporting to my report as they are inaccurate.

First saving Credit Card company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( First saving credit card ) Making the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

They responded that the laws don't apply to First Saving Credit Card Account and they found no Violations. I attached the letter response!
Consumer complaint received 2024-03-26
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

I've disputed with CHIME that my debit checking account is still active and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i just wanted to update the email/phone number used and i complied with what they wanted and that was pictures of my S.S. # card and driver 's license along with a utility bill and a picture of myself with another paper stating the time date and my name with my holding the paper while taking a picture of myself. and didn't even get a response the last four of my chickening account with chime is XXXX i still have {$390.00} on the account that i really need
Consumer complaint received 2015-09-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TN)

Why did XXXX XXXX XXXX refuse to provide us with the actual amended & restated note loan modification agreement form 2003 to us? 
Why is XXXX FKA XXXX Or Nationstar mortgage of XXXX refusing to give us a actual copy of the Amended and restated note loan modification agreement paperwork to us? 
Also I want a answer why all my military service time I was denied when I provide the correct info?
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Hello, I have sent out multiple dispute letters to the 3 bureaus ( XXXX, XXXX, Experian ) with very little success. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are Unathorized and I want them off my credit. The bureaus continuouslly stall and its very annoying.
Consumer complaint received 2024-03-26
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. (CA)

Send request to remove all inquires listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Achieve Personal Loans XXXX Achieve Personal Loans XXXX XXXX XXXX C XXXX XXXX XXXX
Consumer complaint received 2021-01-03
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. (OH)

Hello, I have sent out multiple dispute letters to the 3 bureaus ( XXXX, TransUnion, XXXX ) with very little success. 


XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JXXXX XXXX XXXX XXXX These are Unathorized and I want them off my credit. The bureaus continuouslly stall and its very annoying.
Consumer complaint received 2023-02-01
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. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX, 2023 RE : XXXX To whom it XXXX concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As a consumer, I am demanding a deletion of ALL inquiries listed on my consumer report.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am respectfully requesting to have negative items removed from my credit report from my Capital One Auto Loan and my Capital one credit card. Dates : XX/XX/22 through XX/XX/22. I am also requesting that my auto loan account be removed from Charge off status and closed account be open on my credit report. I am a military veteran with XXXX on permanent XXXX. I was a XXXX in the city of XXXX who had a severe episode of XXXX involving my military experience, sick patients, and the influx of patients and extra demand from COVID 19. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I applied for XXXX benefits to pay my bills. My VA XXXXXXXXXXXX didnt get processed until XXXX of this year. I received all the retroactive pay from the previous year and caught up on all my payments.
Consumer complaint received 2021-01-03
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)

I have an auto loan from XXXX XXXX XXXX XXXX, and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX. and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, XXXX XXXX XXXX XXXX. has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX. with no successful resolution.XXXX, Equifax, and XXXX reporting me 30 days late. There was an error on their part. I was never 30 days late three times.
Consumer complaint received 2019-05-13
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: WELLS FARGO & COMPANY (FL)

I have been disputing the date of first delinquency with Wells Fargo and all of the credit reporting agencies to report the actual date of first delinquency. 
I received a copy of my credit reports from XXXX, XXXX and XXXX, and found reporting errors such as the date of first delinquency  and month and year to be removed. 
The reports shows first delinquency XXXX and then shows that the account will be removed on XXXX which is inaccurate reporting. On the reports, the Account history with status codes show that the first delinquency was on XXXX. 
This error would leave the account on my credit report for more than the reporting period per the Fair Credit Reporting Act ( FCRA ) of seven years. 
Per the FCRA the latest that the account should be removed is XX/XX/XXXX, not XX/XX/XXXX. This would leave the account on my reports for over seven years. 
I would like to have this error corrected. I am including a copy of the credit report page as corroboration and review for correction. 
I have spoken with XXXX XXXX, Executive Resolution Specialist, Customer Care and Recovery Group from Wells Fargo and e-mailed her the corroborating proof of the date of first delinquency so that the correction may be made to all of the credit reports so that the negative information will be removed within the FCRA time frame and received a letter back stating that it is being reported correctly. 
XXXX XXXX also states in the letter hat the account was past due from XXXX through XXXX of XXXX, which corroborates my complaint, but does not correct it.
Consumer complaint received 2022-11-23
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. (NY)

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 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (DC)

A couple of months ago I went in to pay my bills I saw a credit card that was not mine. It had a XXXX balance, but it even had a payment history! 

I called Wells Fargo which is the bank I do business with and they said this was a mistake, but that there had been a cash advance and it has been paid back. 

I dont know if this cash advance was taken from my funds. 

Anyway, Wells Fargo sent me XXXX letters issued on the same day. XXXX said that the outcome of their investigation concluded that I had been responsible for opening that account. ( What? ) And the XXXX  letter what is a personal identity fraud kit.