davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This company is claiming that I was late on my car payment when I never was and I want it fixed or removed off my credit report - it is impossible to get anyone on the phone to fix the situation so I'm resorting to involving the CFPB
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This company is claiming that I was late on my car payment when I never was and I want it fixed or removed off my credit report - it is impossible to get anyone on the phone to fix the situation so I'm resorting to involving the CFPB
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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.

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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have a fraudulent account on my credit report that need to be removed XXXX - Card Service XXXX XXXX date opened. I sent in a letter for deletion about this account and no response from Equifax. Next my other concern is inaccurate reporting too Equifax, XXXX, and XXXX by XXXX XXXXXXXX XXXX and XXXX XXXX both accounts are reporting late payments on my account and I was never late I sent letter voicing my concerns and no response. So I'm here trying to get the CFPB to help me resolve these issue 's because my rights as a consumer has been abused.
Consumer complaint received 2023-09-13
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (OH)

I AM CURRENTLY ENROLLED IN A DEBT SETTLEMENT PROGRAM. I HAVE REPEATEDLY REPORTED TO THE CREDIT CARD COMPANY THAT I AM IN THE PROGRAM, TO CONTACT THE LAW FIRM INVOLVED FOR SETTLEMENT PURPOSES. EACH DAY I RECEIVE MULTIPLE, MULTIPLE, MULTIPLE PHONE CALLS. I HAVE SPOKEN WITH A REP FROM THE COMPANY AND GIVEN THEM THE COMPANY NAME & CONTACT NUMBER. CALLS CONTINUE MULTIPLE TIMES A DAY EVEN WHEN I REPLY THE SAME INFO TO THEM OVER AND OVER AGAIN. I HAVE ALSO CONTACTED THE DEBT SETTLEMENT COMPANY TO DISCUSS MATTER. I AM RECEIVING CONFLICTING RESPONSES FROM THEM AS WELL. ONE PERSON STATES TO GIVE THE CREDIT CARD COMPANY THE INFO AND ON PERSON SAYS NOT TO GIVE THEM THE INFO. SORTA AT A LOST ON WHAT TO DO. THE LAST REP I SPOKE WITH SUGGESTED I TAKE THIS ROUTE. I HAVE OBVIOUSLY A FINANCIAL HARDSHIP I AM WORKING THROUGH TO GET SETTLED. 
THIS COMPANY IS COMENITY BANK ASSOCIATED WITH A XXXX CREDIT CARD.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC. (OH)

My XXXX account was hacked and charges were made and chsrged to this card vause it wss on file with XXXX. I have tried severall times to get these chsrges removed from my card to no aviale they keep giving me the dispuites departmrnt even though its fraud. I want these charges removed from my account.
Consumer complaint received 2023-08-08
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. (CA)

ive recently checked my consumer report and noticed a few fraudulent inquires that I did not authorized, this is fraud and shall be block according to 15 usc 1681c-2-a ( blocking of information deemed fraud by the consumer I have file an id theft affidavit as well which will be enclosed in the attachments, unauthorized inquires Inquiry XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX  XX/XX/2023 Inquiry XXXX XXXX  XXXX XX/XX/2023
Consumer complaint received 2023-09-13
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. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TX XXXX 9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I was offered a vehicule exchange on a dealer. They never told me that they will go shoping with my credit. As a result i have XXXX inquires that i dont recognize or authorize that should be inmediatly remove from my credit report. I list the inquires below : - SXXXX 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 2020-03-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

Loancare refuses to answer any of my loss mitigation process questions, and over the last year has repeatedly denied me loss mitigation options that I was duly qualified for. Now that I have income again and am able to pay the mortgage again, the loss mitigation representatives are stalling and refusing to speak with me about my open application, which seems to be to the benefit of Loancare and their attorneys attempting to foreclose on my homestead property. I have repeatedly explained my situation to them and continuously updated them in good faith, however they refuse to comply with my requests and continue to foreclose, which threatens my job as I work XXXX XXXX and have nowhere else to go or funds to relocate. The servicer also refuses all payments until a highly unreasonable " reinstatement amount '' is paid, and continues to charge me unreasonable amounts of money, including over $ XXXX/month for their attorney.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-09-13
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. (GA)

The person, XXXX, XXXX XXXX XXXX, Experian A Consumer Report Agency, has been reporting personal information that is not mine, which is causing hardship. I ask for it to be removed after verifying the account on my Consumer Report which is being furnished by a person name XXXX XXXX XXXX a debt collector XXXX XXXX XXXX has been using my consumer report without my consent. I disputed this matter with the consumer report agency ( XXXX, XXXX XXXX XXXX ) and they just claim to verify the account. I have no documentation of validation upon request.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

To Whom it may concern, In XX/XX/2022 i moved from XXXX  to XXXX. On XX/XX/2022, I received a call from my bank asking if i authorize 3 transactions on my saving and checking accounts. My answer was NO! While I was on the phone with my bank, at the same time I was logging into my account and finding that all my money had been gone. The Crime was happening while I was on the phone with the bank representative. There were 3 unauthorized transactions happening when I said I DO NOT authorize any actions on my accounts. Money was moved from my saving into my checking account and cashed out with a teller and ATM machines. That exact moment I put claims of a fraud, I have all the reference numbers. The amounts were {$1500.00}, {$5500.00} and {$9500.00}. Location of the branch was detected so as a teller number n the numbers of the ATMs. I contacted county police in the state I was in and in the state fraud was committed. Reports were made. I visited the brach of my bank and with the help of a manager many applicable forms and letters of explanations were submitted. I received letters with denial to return stolen money. Many calls n disputes to a fraud departement were made and they honored 2 amounts and the largest one I am still fighting for. The bank failed by authorizing the actions I DID NOT authorize, no ID was asked at the time of money being taken out, no investigations were happening, no police was taking actions and to resolve this crime, checking the branch where the crime was committed. 
It has been a year. Please I appreciate any guidance and help. Thank u!
Consumer complaint received 2024-03-12
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. (IL)

It seems that FCRA 605B necessitates the elimination of any inaccurate accounts from my credit report. Could you kindly verify the documents? Certain listed accounts appear to be inaccurate, and it's unsettling for me.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance to the fair at 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 2024-03-12
Product: Credit card — General-purpose credit card or charge card
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. (OK)

I've consistently made sure that payments on this account are made promptly, preventing them from ever being overdue. I'm uncertain why there are late payment remarks on my accounts, especially considering the provisions of 15 USC 1666b - Billing Error.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The persons EQUIFAX, XXXX XXXX and XXXX Consumer reporting agency has been reporting information thats not mine causing hard ship I ask for it to be remove after verifying the account on my consumer report which is being furnished by a person Name XXXX XXXX XXXX. 

XXXX XXXX XXXX has been using my consumer report without my consent I Disputed this matter with the The consumer report agency Equifax and Equifax just claim to verify account. I have no documentation of validation upon requests, this is my XXXX time addressing matter, I want Equifax the consumer reporting agency to remove XXXX XXXX XXXX  from consumer report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have attempted 3 times to request Equifax correct my file. They are reporting a delinquency on my file and the creditor has already updated them with the correct information. I have provided them with a letter as well confirming the information they are reporting is incorrect yet Equifax is insisting this verified which is impossible. They have caused my score to decrease significantly. The other two reporting agencies have immediately corrected the issue but they have not. I want to know how they are verifying this if the creditor has provided them with an update.
Consumer complaint received 2024-07-19
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)

My account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX, XXXX XXXX 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 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 months that are reported late 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. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (OH)

Apple card closed my account on XX/XX/XXXX and i had severall open dispuites with them. They have not given the money for my dispuites i have sent them documents showing that they never credited my account for the dispuites their are severall that were never added ro my account and i have sent in documents severall times the ammounts are as follows {$240.00} XXXX home depot as explained severall times their were two orders one was cancelled due to shortages and the money never refunded. 

{$170.00} home depot apple insists that the merchant gave me credit for this when it says on my statement that credit was denied when I log in it's showing A plus balance of XXXX and if you add the other three to that that they that they never did it will be {$900.00} and I wan na know how I go about getting that money back because my apple card was closed and this has been well long over 90 days. Im sending documentation and showing that this was never credited back that the XXXX never credited my account back and neither did apple because if it was I would have seen a credits in one of those and I am sending all the statements there and the XXXX XXXX and XXXX were never given credit by either apple or XXXX it does not show up on my statements I need to get this issue resolved and get this taken care this is going on five months and it seems to be every time I call I get a different answer from whoever answers the phone if you have any questions please give me a call my number is area code XXXX thank you XXXX XXXX
Consumer complaint received 2024-07-19
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 am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 USC 1681, Section 604 ( a ) ( 2 ), I have the right to privacy, and a consumer reporting agency can not furnish information about my account without my written consent. Additionally, under 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. Please update my records to reflect that I was not late for the payments in XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I request that you correct my credit report accordingly. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.