davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XX/XX/XXXXXXXX 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 2022-09-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have 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 2017-09-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the opportunity loans account with all three credit reporting agencies and they have continued to say they verified the account and im like I have no idea how they could have through a XXXX XXXX that lacks integrity. According to the FCRA 609 it requires for them to verify it physically and I have wasted money on certified letters for them to send me a generic response. I have started the legal proceedings to seek my monetary damages but I 'm going to give them another chance to verify this account fully. I have disputed this account over 3 times certified mail and I still get a template answer.
Consumer complaint received 2022-09-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In late XXXX XXXX i commenced a dispute of the contract between me and XXXX XXXX XXXX Via an inquiry directly with said company At which point I was under the impression that negative reporting would cease for 30 or at least until There was proper validation of the obligation however Experian and XXXX immediately reported negative information during this time and they refuse to rectify this mistake after I have reached out to both of them and provided all pertinent documentation of this dispute. XXXX is also refusing to amend the report after several request
Consumer complaint received 2022-09-17
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. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-17
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. (CA)

In accordance with the Fair Credit Reporting act XXXX 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 2023-02-03
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. (GA)

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED TWO ACCOUNTS I DO NOT RECOGNIZE NOR DID I AUTHORIZE THESE ACCOUNTS. THE ACCOUNTS ARE ON ALL THREE OF MY CREDIT REPORTS..THIS IS FRAUD! 

XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX {$9700.00}
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

Synchrony # XXXX XXXX XXXX XXXX Contacted Synchrony on why charged late {$40.00} late fee each month when bill is paid by due date? REP reported correction on next bill. NOT CORRECTED ON NEW BILL. CHARGED ADDITIONAL {$40.00}. HELP!! 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently sent my statement with the balance on my mortgage. I was told that they could not fix the information due to not enough information. How can these people handling how reports be either incompetent, lazy or unqualified to do a a reporting system. 
If my statement show the correct outstanding balance, how can they not correct the it since this is proof of my account balance. 
The statement shows all of the ending balances on my account.
Consumer complaint received 2023-06-26
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. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
Consumer complaint received 2022-12-21
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. (NC)

XXXX XXXX  as reported on my credit file with both equifax and XXXX has once again violated the fair Credit act. 

XXXX has lawyers send attorney letter that unlawfully violated the fair credit act. 

The attorney letter they sent to me demanding in that letter attached asking over {$1300.00} more than what is being reported that I owe originally and is trying to scam me. 

they are attempting to extort money for me unlawfully as you can see on the attachment and I demand the XXXX card accounts be removed from my credit files immediately and pay me {$1000.00} for this violation I have complained about this several times and XXXX XXXX has ignored the complaint multiple times and I demand it be removed from my credit files for deceptive trade practices and pay me {$1000.00} for the violation.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

An electronic payment was made to Comenity Bank on XX/XX/2022 in the amount of {$4300.00}. It has not been credited to my account. Comenity Bank is charging me interest and penalties in the amount of {$750.00} as of XX/XX/2022. 
I have notified Comenity bank on numerous occasions in writing and phone calls to no avail phone calls were made on XX/XX/2022, XX/XX/2022, XX/XX/2022. Numerous emails filed on their website.
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am having this issue with transunion refusing to update the XXXX account that was discharged in bankruptcy on XXXX/XXXX/15. The dates as you can see are wrong as well as the account status that states - closed - derogatory. There is also a high balance showing of {$14000.00} which is supposed to be {$0.00}. This account should show {$0.00}, discharged in bankruptcy. It is misreporting and I have spoken with this credit bureau more than once in the past two weeks yet they continue to repeatedly tell me that it is supposed to report as derogatory when it is discharged in bankruptcy however this is not what I read the federal law to state. This misreporting of this account on my credit is causing me to not be able to obtain credit and has hindered me for over two years now.
Consumer complaint received 2022-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

Nelnet received my request for refund of my student loan payments during XXXX nearly 3 months ago and it has yet to process it. I've requested for the status of it multiple times and they have no idea what is going on or when it will go through. Other companies refunded these payments within days of request.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

First of all, I received information in the mail from all 3 agencies, which I will share with the CFPB. As XXXX  student loan servicer and credit agencies are placing negative information my credit report it's still not corrected as complained weeks ago. Here is the reference numbers : XXXX # XXXX ; XXXX # XXXX ; Experian # XXXX. 

XXXX ( File Number XXXX ) - Has stated history was updated and " Paid or as Agreed '', but I was 120 days late in XXXX. XXXX did not have this account then and I completed a " rehabilitation program '' in XXXX that removed all " NEGATIVE INFORMATION '' off my credit report. They have placed that information back on there and I can show you years of credit reports without the information reported and I have the rehabilitation paperwork! 

All XXXX XXXX account were removed now reinserted. 

Experian ( File Number # XXXX ) Is stating the XXXX account will become positive in XX/XX/XXXX as they are reporting negative to information stating I'm " CURRENTLY LATE AS OF LAST MONTH '' Again XXXX  is the only account reporting this information. In addition ; Experian is report addressed I have never live at : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( File Number # XXXX ) - Is reporting account " NEVER LATE ''. Which correct is correct Like I mentioned before I'm in the process of buying a house and under contract. This I can not obtain my house due to incorrect information I'm filing all law suit on ALL PARITES INVOLVED! I have been in contact with the person that sued XX/XX/XXXX for XXXX because they would not correct someone credit report. I close on the XX/XX/XXXX and I expect this be resolved. If not I have supporting paperwork to address the issue. 

PLEASE REMOVE NAGAITVE INOFORMATION ASAP AND REMOVE INCORRECT ADDRESSES OF MY CRDIT REPORT.
Consumer complaint received 2017-04-06
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo has reported new activity on XXXX of my past mortgage loans that were closed or balances forgiven in a loan modification process. XXXX loan balance was forgiven by Wells Fargo in the loan modification process back in XX/XX/XXXX ( $ XXXX bal. ) and now shows updated activity in XX/XX/XXXX. And the second loan as of XX/XX/XXXX shows new activity on a loan that was modified in XX/XX/XXXX with a balance reduction and refi, this Home was sold in XX/XX/XXXX.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (NY)

I had a credit card with Aspire for a year and one month. I have always made my payments on time and whenever I was unable to make a payment on time ( due to COVID-19 and the current financial hardships of this country ) I informed the company well ahead of time. I most recently made two payments in XXXX XXXX XXXX. I received a notification from a credit report app I use in connection with my checking account that stated my Aspire account was closed. I never received a notice from Aspire with a warning that my account would be closed due to it being {$30.00} over the limit. I have never heard of Aspires policy of closing an account that has been over the credit limit for some time. I have contacted Aspire via phone various times in regards to late payments or the status of my account and I was never informed of any of this. Even when I informed them of a payment that would be received late, they never gave me a heads up that this could be a possibility. I contacted Aspire today ( XX/XX/2023 ) and they confirmed the closure of my account and then decided to inform me of the closure policy. They said this account could not be reopened but they could submit a request. I declined the request due to their bad business and my distaste for the lack of communication. I am looking to have this removed from my credit report, as I know this account closure can negatively affect my report and score. Aspire claims I still owe about {$300.00} but I refuse to pay for an account that I will no longer have access to. I made payments in XX/XX/2023 that were completely disregarded and I will not continue to spend my limited money on this company.
Consumer complaint received 2023-05-31
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2022-11-29
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2024-03-06
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. (TX)

XXXX XXXX has violated FCRA law on multiple occasion but failing to properly update or remove the account in question. I have disputed the accuracy of the account over XXXX times and there are things such as Account Status that are still reporting inaccurate causing injury to myself and my financial standing. I have included a screenshot of the account and it's reporting. At this point I am ready to proceed with arbitration to rectify this issue. 

I am asking XXXXXXXX XXXX to provide me with instructions on how to arbitrate this debt and it's inaccurate reporting on my credit report for both my Experian and XXXX.
Consumer complaint received 2024-03-06
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. (AZ)

I reviewed my customer reports and noticed that I have multiple late payments on an account that I was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that I have included Screenshots inside this complaint there are multiple dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide proofread statements showing that these payments were late if proof can't be provided I demand these payments be updated to pay it as agreed on time as they should be due to the fact I was never late thanks please see screenshot attached
Consumer complaint received 2022-12-21
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. (NC)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-05-24
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX FIN XXXXXXXX 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 2016-03-11
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: High Point Asset Inc (CT)

HighPoint Asset. Keeps calling me for a payday loan that I never took out. Says they will take me to court or a warrant has been issued for my arrest. I asked for the request in writing and never received it. They just wanted money. I ignore them and block the phone number but they change number every few days.