davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (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 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] PHONE NUMBER XXXX [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ UNWANTED INFORMATION NEED REMOVED ASAP ]
Consumer complaint received 2022-12-11
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. (IN)

I have a XXXX secured credit card. They have erroneously reported a balance on the secured credit card to XXXX, Equifax and XXXX. There is not a balance on the secured credit card. Unfortunately this reporting mistake has resulted in a lower credit score. I actually have {$620.00} of available credit ( my money Ive put on the secured credit card ). XXXX has incorrectly reported my available credit as a recurring debt. 

I have tried to communicate this with XXXX as well as XXXX and Equifax. Theyve asked me to file a dispute ; however, I already have another dispute in regards to a loan that has been paid in full, and I have been unable to file additional disputes. But my credit report errors are NOT occurring simultaneously but at different times. 

The only way I know about these errors is because Im paying for XXXX XXXX monitoring. 

Were trying to buy a house, and these errors are costing me money, time and frustration. 

Other than student loans I have no debt. I have {$70.00} in the bank. 

This credit rating system seems to be a joke.
Consumer complaint received 2022-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have a XXXX secured credit card. They have erroneously reported a balance on the secured credit card to XXXX, XXXX and Transunion. There is not a balance on the secured credit card. Unfortunately this reporting mistake has resulted in a lower credit score. I actually have {$620.00} of available credit ( my money Ive put on the secured credit card )XXXX XXXX  has incorrectly reported my available credit as a recurring debt. 

I have tried to communicate this with XXXX as well as Transunion and XXXX. Theyve asked me to file a dispute ; however, I already have another dispute in regards to a loan that has been paid in full, and I have been unable to file additional disputes. But my credit report errors are NOT occurring simultaneously but at different times. 

The only way I know about these errors is because Im paying for XXXX XXXX monitoring. 

Were trying to buy a house, and these errors are costing me money, time and frustration. 

Other than student loans I have no debt. I have {$70.00} in the bank. 

This credit rating system seems to be a joke.
Consumer complaint received 2022-12-10
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. (IL)

15 USC 1681 Section 602 States I have the right to privacy.

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

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.
Consumer complaint received 2022-12-10
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: Experian Information Solutions Inc. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2022-12-10
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. (MD)

In my previous dispute XXXX XXXXXXXX Equifax replied that 5 fraudulent inquiries were deleted from my file ; However the HARD INQUIRIES STILL REMAIN ON THE FILE. According to them, on XX/XX/2022 : XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX XXXXXXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry XXXX XXXX XXXX XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. 

In subsequent credit reports, and after several phone calls, they indicate that all they can do is dispute the information again. If they already investigated and say they were deleted, why do they still show on my file and why can't the file be corrected accordingly? 

Again they replied to the CFPB on XX/XX/2022, but the response is not correct and ITEMS THEY SAY WERE DELETED HAVE NOT BEEN DELETED! 

I am attempting to obtain credit and these erroneous inquiries are hindering my ability to do that.
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My complaint goes back to complaint number XXXX that was to have been solved. The letter of resolution sent to CFPB from Fifth Third Bank states that once the loan is paid off, they will remove my name off the loan. If you ready my original complaint, you will see that there is no legal loan agreement therefore my name should not be on any loan associated to XXXX XXXX. The letter also states that they would cease reporting to the credit bureaus. This did not happen and now my credit is affected. I need help from CFPB resolving this matter.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

For XXXX XXXX Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Consumer complaint received 2022-10-18
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. (WV)

In accordance with the Fair Credit Reporting act XXXX XXXXY account # XXXX, and XXXX XXXX XXXX account # XXXX have 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 2022-12-10
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: EQUIFAX, INC. (CA)

In XX/XX/XXXX I submitted a dispute to Equifax to see if I could get my XXXX XXXX account opened in XXXX removed from my report. My last late payment to them was in XXXX and the account was charged off in XXXX. After my dispute, Equifax erroneously reported my last late payment was XX/XX/XXXX! The month I submitted my dispute! This brought down my score XXXX  points after submitting my dispute and has damaged my credit and life in more ways than I can write here. I want my credit report corrected or this needs to be removed entirely from my account.
Consumer complaint received 2021-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

This account was included in a payment arrangement in XX/XX/XXXX ; actively paying XXXX a month non stop. The account was recently ; added to the my credit report as a collection. I spoke with XXXX XXXX and they told me that this particular amount of {$110.00} was added to my account in XX/XX/XXXX and the reason the amount of {$100.00} was added to my account was because I didn't approved the new amount be added to the payment arrangement. I was told on XX/XX/XXXX that this XXXX of my recent payment of XXXX auto draft went toward the {$110.00} bill. This morning I spoke with XXXX at Bull City and he said there was a system glitch with how the system was able to take the {$8.00} out of the recent payment ; and send the remaining amount to collections. 

This account has been paid in full ; and I am currently awaiting for the deletion letter as I am under contract for a house. Can someone please help me get this deletion letter asap due to this error.
Consumer complaint received 2022-12-10
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)

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 U.S.C.1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXaccount ending XXXX XXXX XXXX XXXXaccount ending # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX-account ending XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ending XXXX XXXX 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-10
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. (GA)

I submitted a complaint to Equifax on Wednesday XX/XX/2022 about XXXX fraudulent account on my consumer report, XXXX XXXX XXXX XXXX XXXX, in this dispute I included a copy of the FTC identity theft report, a copy of my utility bill, and a copy of my ID. Equifax received a copy of this on XX/XX/2022. Upon receipt of this my score was dropped XXXX points. As of today XX/XX/2022, this account is still not blocked from my consumer report. Per the FCRA 605b it states, ( 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.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
I sent over everything that was required by law and it's still showing on my consumer report. I also have called Equifax a total of 2 times today on XX/XX/2022 for both representatives to tell me by law I have to wait 30 days even though it's an identity theft account and wait for a response from the creditor. This is unfair and unacceptable to be as I am a identity theft victim.
Consumer complaint received 2022-09-21
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}. 
JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}
Consumer complaint received 2022-09-21
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. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated 09/06/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX  XXXX XXXX Balance : {$510.00}
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CA)

I phoned AppleCard/GS Bank on XX/XX/XXXX and requested to close my never-used account. The person I spoke with informed me that I had a balance owing of {$20.00} plus {$3.00} in interest. This was the first I had heard of any amounts owing. I informed them I would pay that amount if it would complete closing my account. During the call they asked several times if I was sure I wanted to close my account, and I confirmed each time. I paid the outstanding balance on the call with another credit card. I asked and was told there would be no negative credit report, which turned out to be untrue. I was recently informed by my bank, XXXX XXXX, that my credit score had declined by nearly XXXX points, from mid XXXX to mid XXXX. The reason for the loss of score was a XXXX late payment claimed by AppleCard/GS Bank , as reported by XXXX. This is the only negative item on my credit report and it was clearly in retribution for closing my card account, as I had never used the Apple Card and did not know of any late charge. I called AppleCard/GSBank customer service after learning of the maliciously false credit report and asked them to remove the report. The woman I spoke with was very sympathetic and understanding, she said it was not right but all she could do was submit a " XXXX level '' report to her superiors. I have yet to hear anything more from Apple Card/GS Bank . Speaking to XXXX about this is not possible because they refer all inquiries to GS Bank. In my mind this is a good example of the abuse practiced by online finance companies over consumers. My confidence in XXXX to protect its customers has been severely damaged by this experience.
Consumer complaint received 2022-09-20
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. (MI)

In accordance with the 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 2022-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

I have 25,000 on my credit from an auto loan with 24,000 from added fees. The main items i believe to be incorrect are listed below along with a report I have created outlining the timeline/data and documents repeatedly submitted to Security Service Federal Credit Union as Proof of Insurance . 

The vehicle i purchased was insured before I left " XXXX of XXXX XXXX ''. The creditor " Security Service Federal Credit Union '' applied " Forced-placed insurance from the initial date of the loan and throughout the contract. The insurance company and I submitted proof of insurance to the creditor various times via email, fax, and certified mail throughout the contract starting from the original purchase date. 

The insurance companies have supplied the certified letters sent to the creditor as proof of insurance. The contract I signed included " Gap '' insurance in the total finance amount. The " Gap '' insurance provider was paid out by the lender and immediately added to my credit. The " Gap '' insurance provider agreement states full coverage only when the vehicle has insurance. I had insurance during the theft and when the applied " XXXX XXXX XXXX '' was on my account every month. 


The fraudulently applied XXXX XXXX XXXX  '' amounts added drastically change the balance by XXXX.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-25
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. (IL)

A creditor ( XXXX XXXX ) has unlawfulley treated a payment on a loan account under an open end consumer credit plan as late! 

So by law referring to 15 USC 1666B : a creditor may not treat a payment on a account under a open end consumer credit plan as Late for any purpose!