davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  It's showing that I've have several late payments and charge-offs. But here 's the thing, I've never been late on my payments for this account. 

Something else that's weird is that this account info is only showing up on two credit bureau 's report. Doesn't that seem a bit off? I mean, if it was accurate, wouldn't it be on all the bureaus ' reports? 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up.

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2021-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As I have not heard back from TransUnion in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-01-14
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. (CA)

Chapter XXXX Bankruptcy Discharged XXXX - You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB.
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (NY)

XXXX  put me TWICE on collection for the same debt with 2  different amounts. First time on collection was on the year of XXXX. I got put again for the same debt on a new date and a different amount on XX/XX/XXXX. I have a copy of the initial collection with the date and the amount.
Consumer complaint received 2021-01-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (IL)

I contacted Kia last fall to get assistance due to losing work from Covid-19. They told me they could extend three months of my loan to the end of the term but I would have to pay at least one payment up front for them to do that. I paid over XXXX dollars to them, processed the paperwork. One month later they were calling me for more money and informed me that my request was denied and " you have to make ten monthly payments on time to qualify for a postponing of your payment again. '' I have made every attempt possible to pay what I could and last week I made a payment of {$50.00} on the internet. I borrowed money this week from my son when I found out my Stimulus payment was going to be postponed. I attempted to log into the website, my account was locked. I called the number and the guy advised me I would have to pay an additional {$7.00} to make the payment over the phone when my son was present to give permission. 

I attempted to call again this evening, the first call went to the automated system - a {$3.00} fee to process a payment - and was going to take my payment until I put in my social. I then got transferred to a live agent who advised me they had to get me over to my agent. I began talking to my son and she said " excuse me '' and I responded with " I was talking to someone else. '' The line disconnected. I called back, same situation, automated system sent me to a live agent so I could make a payment for an additions {$7.00}. I asked this agent if she could take my payment and she immediately got rude with me saying " when you give me your name, I can pull up your account. '' I gave her my name, she told me she would have to transfer me also, I again I said something to my son. This agent said " who are you talking to. '' I responded with " my son. '' and she disconnected the call. I tried to call back 3 times and each time the call was disconnected. Finally on the fourth try, my son also called from his phone and we finally got the payment sent in. 

This feels like they are refusing to take my payments even though I have informed them of the situation and how it relates to Covid-19. 

Please help, they are demanding all of my stimulus check before they will reopen my account on the website so I am not charged additional fees to make a payment.
Consumer complaint received 2021-01-14
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. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 98 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 98 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along. 

I sent them the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Hello, To my astonishment and dismay, I noticed that your company is reporting information that just isnt true. It is also my concern that due to my VERY common name my profile is being merged with someone else profile in your system. In fact there are address on my credit report that I have NEVER even lived at. Therefore, I KNOW something has to be wrong and this must be a mistake. I dont claim to know everything but it is quiet weird that a multitude of accounts and a bankruptcy is on my report. Honestly, how does this even happen? 

If you check your record you will see that my address doesnt even match any of the alleged accounts. It is my request that you review the file you are saying is mine and take away the discrepancies. Below is just a few of the things in question. 


XXXX XXXX XXXX  XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/20 Status : Discharged Amount : {$0.00} Remove these Public Record from my credit file. I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I, wrong address because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match. 
The Fair Credit Reporting Act requires you to investigate and delete any and all inaccurate, incorrect, incomplete and/or invalid information. 

I know your bureau is one that prides itself on accurate and fair credit reporting and would never maliciously maintain false, unverifiable records. Please DELETE this information from my file immediately. 

Thank You in Advance an Educated Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2021-01-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I am writing today in regards to my account with CITIZNSBANKNA Account # XXXX. 
A late payment is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment for the XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see no changes for what I filed last month. I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-01-14
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: Bread Financial Holdings, Inc. (MD)

In accordance to federal law, I XXXX XXXX am the original creditor, I am a consumer 15 USC 1692 a ( 3 ), a natural person and a debt is defined as any obligation or alleged obligation of a consumer to pay 15 USC 1692 a ( 5 ), based on federal law, a loan is a consumer credit transaction and banks can not extend credit Bowne v Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20, CT 1024,176 US 682,44 LED 637. I continue to get harassed and have my reputation damaged by Commenity bank 's continuous reporting of the alleged debt on my experian credit report, which an exhibit. My social security number was used to extend credit to Commenity Bank in a private consumer credit transaction, security interest was signed over. Federal law says only a person can extend credit in order for you to be granted something you have to get it from somewhere. In order for a person to be a creditor, they have to be granted the right, but an original creditor does the granting. 15 USC 1692 g. You are accusing me of owing this alleged debt but according to this federal law, and based on the exhibits I have provided you owe me {$20000.00} in violations of federally protected consumer protection rights under the FDCPA. This is my final correspondence before litigation.
Consumer complaint received 2020-06-12
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$1800.00} XXXX {$20000.00} XXXX {$11000.00} XXXX {$17000.00} XXXX {$3900.00}
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

After multiple attempts of me asking Experian to investigate this account for inaccuracies and violations they're still reporting this account as accurate and no violations reporting. As of today I still see different information reporting throughout all 3 credit reporting agencies. This is a violation pursuant 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report, in which Experian must provide the same information as the XXXX and XXXX. How can all 3 credit reporting agencies report different information on the same account? I'm aware that I have the right to opt out from this information being reported to any non-affiliated third party in which I was never giving that option nor was I ever explained how I could do so. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, ( b ) Opt out, I would like to opt out from this information being reported to Experian. Because this account is under multiple violations and report multiple inaccuracies, I ask that you remove this account from my consumer report pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( 5 ) Treatment of inaccurate or unverifiable information. 

Violations reporting : 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report 15 U.S. Code 1681 - Congressional findings and statement of purpose, Section ( b ) Reasonable Procedures 15 U.S. Code 1666 - Correction of billing errors, Section ( b ) Billing Error 15 U.S. Code 1681a - Definitions ; rules of construction, ( 2 ) Exclusions
Consumer complaint received 2021-01-14
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. (AR)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA.
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  - Date of inquiry : XX/XX/2023 XXXX  - Date of inquiry : XX/XX/2023
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 USC 1681 Section 602 A : 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 XXXX XXXX XXXX
Consumer complaint received 2021-01-14
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. (AR)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX  XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, US SM BUS ADMIN ODA.
Consumer complaint received 2021-01-12
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: EQUIFAX, INC. (IL)

15 USC 1681 ( a ) ( 1 ) Congress states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 1681 ( a ) ( 4 ) Congress states Equifax ( the consumer reporting agency ) has a grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction on my consumer report., Equifax is in direct violation to 15 USC 1681a ( 2 ) ( B ). Equifax violating Federal law is not fair, inaccurate, not equitable. I a federally protected consumer and a natural person does not find value with my consumer report. That is what accurate means. I do not benefit from this direct violation of federal law that is what equitable means. This is impairing the banking system and undermining my confidence in the banking system
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  : I'm dealing with an XXXX XXXX account that was charged off in XX/XX/XXXXand sold to a collection company : XXXX in XX/XX/XXXX. There's a Field on my XXXX  credit call : Delinquency First Reported. This date has been re-aged several times, last in XX/XX/XXXX which had a major effect on my credit score. This continued re-aging make it appears as a new derogatory which dropped my score. 
Transunion shows a payment history and XX/XX/XXXXdo not show a payment history. Transunion report shows I made my last payment on XX/XX/XXXX but my payment history shows my last payment to be on XX/XX/XXXX. XXXX report that this account is reporting accurately when its not.
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX