davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

on XX/XX/XXXX I summited a complaint for inquiries I do not recognize on my consumer report. Its been more than 60 days and no response was given. Please delete this inquiries immediately as they are hurting my report. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The negative items on my credit report have had a detrimental impact on my credit score, making it difficult for me to obtain credit and loans. 

My name is XXXX XXXX, and the following are the details of the negative items on my credit report : XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately. 

XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX  XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX  XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Under the FCRA, you are required to investigate my dispute within 30 days of receipt of my request. I am requesting that you promptly investigate and take appropriate action to correct or remove any inaccurate or incomplete information from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ND)

XXXX XXXX continues to inaccurately report a car loan on my credit report for a completely different vehicle than the one I actually paid for with the loan. Not only that they report this loan on Experian twice. XXXX XXXX also reports an unpaid credit card that due to identity theft had unauthorized usage which was communicated with XXXX. I am asking that XXXX XXXX remove these inaccurate information and statements from my credit file. Also XXXX XXXX has been given all documentation to verify my statements. Also XXXX XXXX needs to provide me with original loan documents for a XXXX XXXX XXXX XXXX XXXX XXXXXXXX mileage XXXX which was purchased from XXXX XXXX XXXX XXXX XXXX  XXXX, Minnesota XX/XX/XXXX for {$5500.00} on which was paid for on a loan and a check was drafted off of XXXX XXXX for {$5500.00}. I am attaching a loan document from XXXX XXXX which informs me that the loan was for a XXXX XXXX XXXX. I am asking for the same document for the XXXX XXXX. If XXXX XXXX cant provide it then both incorrect, false, misleading, and inaccurate reports must be deleted off my file and they must cease at once to continue reporting false information.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (UT)

Purchased an appliance at Home Depot in XXXX, Utah for just under {$1500.00}. Salesman suggested I open a Home Depot Credit Card to save 10 %. Transaction and credit card application went smooth. I was told the delivery date due to covid was 10-12 weeks. 

4 weeks later I get a bill from Citibank Visa / Home Depot credit card. They first payment is due. The only problem is I do not have the appliance yet and wont for another 6 weeks. I contact Citibank and express the details to them. They let me know that company policy is to start collecting the moment the sale goes thru, regardless of delivery time. This does not make sense to me - I do not have the product. After arguing fro 10 minutes with the first 2 reps and a supervisor they insist I pay the first payment or they will add on interest and late fees. I refuse to pay. 

2nd month bill comes in and sure enough, interest and late fees are now on top of the appliance cost. I call again and they tell me the same story. I contact Home depot and they tell me their is nothing they can do as once they sell it Citibank takes over. 2 more weeks go by and the appliance shows up with a big dent in the front door. The delivery company loads it back up and takes it away. Another 12 week wait. I call Home Depot and cancel the order.

3rd month bills comes to me from Citibank / Home Depot and the initial appliance amount of {$1500.00} is gone but the interest and late fees are still there. I have continued to receive a bill every month since with more late fees tacked on and more interest added on. Now they have dropped my credit score by 100 pts and persist to call me at least 5 times a day - yes 5 times a day. How is this possible for something that I never even had in my possession for 1 second???
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with UN COLL XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX** Amount Disputed : {$930.00}
Consumer complaint received 2023-01-08
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. (FL)

I NEVER gave, Equifax Information Services , LLC any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.

Equifax Information Services, LLC, 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.
Consumer complaint received 2021-06-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-06-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (OR)

While I was sick with XXXX, ACA choose to take my vehicle and leave me without a way to get around. i WAS quoted a price to get my vehicle back. I worked as hard as I cold to get the money and I finally came up with enough to get my car back. I sent them the money as requested and was under the impression that the amount i paid included ALL FEES. I them made an arrangement to pick up my vehicle and I was told, per the finance company, that I had to pay XXXX dollars in fees to get my vehicle back. Ii feel that after all the hoops that ACA made me jump through and all the anxiety and given what is going on, that they would be able to waive the fees and help. I wane through enough and I feel like they are taking advantage of a global pandemic. They knew I had XXXX twice and had a very hard time. I paid what i needed to, why are they making more hoops to go through. This should not be allowed
Consumer complaint received 2022-01-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I am continually being called on the telephone by this agenvy over an alleged debt. I am requesting validation of this debt.This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc. (CO)

I XXXX for a XXXX in Colorado at a company called XXXX XXXX XXXX. After waiting for three long weeks from the background check company named XXXX the company exercise their right not to hire me or whatever that is. Ive been exercise my rights and requested a copy for myself, thats when I noticed that they were able to see completed misdemeanor charges all the way back to XXXX. I have not been able to seek employment that my educational and experience level should have because of these background checks. I thought that after seven years things go away and are unable to be researched by background companies. I really need help I deserve a good job and its been so hard to get it and I dont think Im being treated fairly because companies are seeing mistakes I made from almost 20 years ago. 
I followed there rules to dispute and wrote to them & now Im here with no reply still XXXX and very tired of fighting charges from XXXX! 

Please help me.
Consumer complaint received 2023-02-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX And Agency Account XXXX. received 5 letters That has violated my rights, By sending them to the wrong Address, Has violated with my rights by giving exposing my personal information, with the details accounts numbers, that has put my information in jeopardy for scams, and for someone to steal my identity I will be uploading the Letters that has Violated my rights. 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. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) 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 1692 ( B ) ( 2 ) 15 u.s.c 1692 ( C ) ( A ) 15 u.s.c 1692 ( G ) ( A ) 15 u.s.c 1692 ( D ) 15 u.s.c 1692 ( C ) ( A )
Consumer complaint received 2021-06-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (PA)

On XX/XX/XXXX, I opened a CD with Marcus.com, which came to maturity in 12 months. 

The first aspect of the complaint is the emails received regarding monthly disbursements, as well as the initial email opening the account, and the final email alerting me to the maturity date and automatic renewal. All of these UNSECURED emails contained sensitive financial information, including the account number and various dollar amounts. 

The second aspect of my complaint is the closing process of this account. Upon receipt of the final email, I called to express my dismay that the term total - interest amount of my CD was displayed in an unsecured email. To my further dismay, I learned during that call that the call I had made several days earlier to close the account was not being processed, and my CD was set to renew! 

If I hadn't become aware of the potential security breach regarding my personal details, I would've been locked into another 12 months with Marcus. 

This has been resolved, and Marcus has case # XXXX, created by XXXX, on file, from XX/XX/XXXX.
Consumer complaint received 2023-03-15
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: Credence Resource Management, LLC (IL)

I want you to verify this debt as i don't have any accounts with you? if unverifiable please remove this account from my credit report as soon as possible
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (CA)

i have tried numerous times to have this information removed from my credit report, i have never signed or given them access to place it on my report. This item has been reporting since 2017 and the amounts have been wrong and the dates and also late payments. This is affecting my ability to gain credit further.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Hello, for approximately 3 years I have had a freeze on all of my credit reports. I have been able to unfreeze all of them except Trans Union. 

I have tried for the last 6 months to unfreeze my Trans Union credit report with no luck. When I sign into the Trans Union website and attempt to unfreeze it, the site says I am unable to unfreeze at this time. 

I have called the customer service line and used the help chat Trans Union offers to try and get help. I have provided the PIN number required to unfreeze my report. Each time the representative says my report is now unfrozen ; however creditors tell me it is still frozen and they are not able to see it to offer me credit terms. 

Each interaction I have had with a Trans Union representative is hard as there is a language barrier and their employees are hard to understand and don't speak English very clearly.

I am also very uncomfortable with people overseas and in other countries having access to my personal information, and being required to give my SS number and DOB over the phone to them when I have called in the past.
Consumer complaint received 2023-10-14
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (IL)

I did a trial of premium services with XXXX. I cancelled the service on XX/XX/23. XXXX proceeded to charge me the minute I had enough money in my account which was a credit. I called Bluebird and explained the situation. They said they would investigate the situation and issue credit in 10 days of the dispute of the charge. After the 10 days Bluebird did not issue credit and would not provide a reason why.
Consumer complaint received 2022-09-12
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. (NC)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance Owed : {$200000.00}
Consumer complaint received 2021-06-22
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 (FL)

I have a loan with CAPITAL ONE BANK USA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and CAPITAL ONE BANK USA with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have identified information on my credit report that does not reflect any transactions made by me. These accounts are the results of identity theft. I have never lived at the residents listed in attached documents, and for proof I have included a copy of my utility bill showing that I have not lived at the residence tied to fraudulent accounts. Also, my state id card and social security card is included, along with identity theft report.