davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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. (TX)

XXXX XXXX XXXX - Credit report from XX/XX/XXXX shows this account was closed on XXXX and will be removed on XX/XX/XXXX. The next report I pulled shows this account was closed on XXXX and will be removed on XXXX. I have reached out to the company and the credit bureaus to remove this information from my credit report as it is being reported inaccurately and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

By the provisions of the Fair Credit Reporting Act, these items should not be on my credit report as they are reporting inaccurate information.
Consumer complaint received 2023-03-01
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. (TX)

Please see the attached letter from XXXX XXXX as well as the universal data form and update the account that is reporting inaccurately. The account is XXXX XXXX ending in XXXX. The late payment for XX/XX/2020 should be removed and updated immediately. The company has agreed to a goodwill amendment.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Since XXXX of this year, I've been sending update letters to Equifax, XXXX, and XXXX to delete old and inaccurate addresses and outdated information on my credit report. These companies are still reporting old and inaccurate addresses and information even after I initially sent them at least two update letters but they never updated my personal information. These are all of the inaccurate addresses on all three of my credit reports that still haven't been deleted but need to be removed. 


XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX  XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX  XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX
Consumer complaint received 2019-12-23
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)

The credit bureaus has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late XXXX   XXXX inaccurate/not mine XXXX XXXX XXXX XXXX never late
Consumer complaint received 2023-05-13
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. (TX)

I do not agree with the payment history on account XXXX - XXXX XXXX XXXX. 

15 U.S. Code 1681d ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports 15 U.S. Code 1681i ( a ) ( 7 ) - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 3 ) Duty to provide notice of dispute
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank has failed numerous times to correct and update the CURRENT STATUS OF THESE PAID AND CLOSED ACCOUNTS. They continued to balance accounts that were settled and paid. These accounts are still reporting a current status as either in collection or delinquent. The CURRENT STATUS should report as paid as agreed and closed. Comenity bank has inserted a debt that was already paid. These accounts are still reported each month as a current charge-off. This continues to severely affect my credit. THE AFFECTED ACCOUNTS ARE BELOW : Comenity Bank/Victoria Secret- Acct XXXX - XXXX Comenity BankXXXX XXXX- Acct XXXX XXXX XXXX Comenity BankXXXX- Acct # - XXXX Comenity Bank/JCREW-Acct #  - XXXX Comenity Bank/ NY & CO.- Acct XXXX XXXX XXXX
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2019 at XXXX cst, I called chase card services a spoke with a representative by the name of XXXX which stated her employee Id number as XXXX. After being transferred, placed on hold numerous times, and on my lunch break with limited time, I asked XXXX for the lowest settlement amount that can be taken by company policy, I informed her I did not want to go back and forth I have to get back to work. XXXX provided misleading and inaccurate information in regards to the lowest settlement offer. She placed me on hold and came back with an amount that was not the lowest amount but attempted to give me the perception it was. I then requested a manager, she placed me on hold and acted as if she was going to get one. After that she came back, provided me a lower amount than what she initially quoted but refused to transfer to a manager stating they are just going to tell me the same thing. She was very rude and condescending. I felt as if she was talking down to me.
Consumer complaint received 2019-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (LA)

I was drove to hospital in ambulance for XXXX XXXX reasons. There was a lapse in my insurance and they cant the insurance because I didnt have it at the time. There was like a month or two lapse. The bill was around {$4000.00} I cant really pay that Im on a fixed Income. Im on XXXX.
Consumer complaint received 2023-01-23
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. (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 ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 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 DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX  Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (PA)

I ordered monthly phone service from XXXX XXXX XXXX per month. They couldn't port in my old number and after XXXX days of trying I returned their equipment. Now XXXX XXXX XXXX claims I owe them {$XXXX}. They sent me to Radius Global Solutions for collection and they reported the " debt " to the XXXX credit bureaus. I want this account removed from my credit report.
Consumer complaint received 2023-05-13
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. (CA)

After checking them, I found that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require 3 credit reporting agencies to verify ( A ) these accounts. Failure to verify these reporting accounts as unverified without providing evidence within the legally mandated deadlines is unacceptable. My credit report contains the following incorrect information that needs to be investigated and corrected. 
XXXX XXXX  XXXX Balance Owed : {$15000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX  XXXX XXXXBalance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXXBalance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.
Consumer complaint received 2023-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: International Recovery Associates, Inc. (NY)

Reference # XXXX This medical debt has been being paid every month without fail. I am annoyed and disgusted with XXXX XXXX XXXX for turning it over to collections for a mere 3 months of responsible payment. I respectfully request that this collection effort not show on future credit reports as the final balance was paid today.
Consumer complaint received 2023-01-23
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. (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 ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 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 XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-01-23
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. (PA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Accordance to the fair credit reporting act these creditor Credit Acceptance and XXXX XXXX ( original Creditor : XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states. I have the right to privacy. 15 USC 1681, section 604a section 2 it also states a consumer reporting agency can not furnish accounts without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under open and consumer credit plan as late of any purpose.

( 1 ) Credit Acceptance : Shows as if I have not been making payments, payments on time and that Im behind 24 months of payment which is not true. Ive call about this matter. Nothing has not change on my credit report. Credit report shows XXXX of XXXX until now I have not made payments ETC ( 2 ) XXXX : ( original creditor : XXXX XXXX XXXX XXXX ) During this time. I was XXXX From XX/XX/XXXX to XX/XX/XXXX Which shows and means I was a XXXX of the state. All medical and medications was covered and Insurance by the state. Also this is over 2yrs
Consumer complaint received 2021-09-28
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: ALLY FINANCIAL INC. (MN)

I recently applied for a loan and they stated that my car loan has not been reporting on my XXXX report. I tried calling Ally and they stated that he has been reporting but I am also not seeing it on my report.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

Experian Credit Bureau removed my mortgage account from my credit report in XX/XX/2017. My FICO dropped 100 points or more because of this. I called Experian and was told there was nothing they could do. That I needed to call XXXX XXXX XXXX and request they resend the data to them. I did make that call and XXXX said that request had to be made by Experian. So, I called Experian, again, and they refused to assist. I stayed on the phone between the two for hours. They refused to work with one another to correct this error. XXXX did verify they sent data to Experian monthly. I just want an account I have had for almost 20 years reported correctly on my credit report. Both XXXX and XXXX have it listed. If Experian can't report my information correctly ( even when the error is brought to their attention ) then they shouldn't report on me at all! As a consumer expectations for the 3 credit bureaus is set extremely high, as it should be, considering the impact their reporting has on a consumer 's purchasing power.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (GA)

I do not have a contract with ABSOLUTE RESOLUTIONS INVESTMENTS nor do I owe them any debt. On XX/XX/2023 I sent in a proof of debt validation as to how I owe them the alleged debt, my request was avoided, and updated it with the credit reporting agencies as verified but with no proof. Absolute Resolutions Investments does not have any license to collect in the state of XXXX which they are illegally trying to do as well as trying to extort me for an extension of credit. They also commit the offense of identity theft by using my non-public information without my consent and authorization fraudulently.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TN)

In accordance with the Fair Credit Reporting Act ( XXXX  XXXX XXXX Acct # XXXX ) has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TN)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (FL)

My card was stolen and {$820.00} was spent off of my accounts on XX/XX/ i contacted chime ( TXXXX XXXX XXXX XXXX ) and filed a dispute with all the information they sent my a new card 3 days later and the representative told me my account would have provisional credits on XXXX  so on XX/XX/ chime denied my dispute saying they didnt recognize any error after investigation so the same day i filed a rebuttal because i told the representative my card was stolen and they denied my claim so with the rebuttal i was supposed to receive provisional credits XX/XX/ and i have yet to receive them i called over a 100 times and everyone says the same thing some of them hang up in my face when i try to ask going on with my dispute they keep saying they are escalating it to the investigation team and they will reach out to me but they still have not
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TN)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX  # XXXX ) has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: OneMain Finance Corporation (ID)

Ive had numerous hard Inquiries on my credit report which I havent had access to for over a year. I had a XXXX reported on XX/XX/2023 and then two XXXX reported on XX/XX/2023 and XX/XX/2023. I had a report for a XXXX on XX/XX/2023. I had two reports from ONEMAIN on XX/XX/2023 and then XX/XX/2023 2023
Consumer complaint received 2023-01-23
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. (FL)

XXXX XXXX has sent negative information to the XXXX without my written consent : as well as my authorized users. I have never given written consent to send any info to a third party. This has caused problems for me to obtain anything for my future, has caused XXXX and XXXX in my life.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX  has sent negative information to the XXXX without my written consent : as well as my authorized users. I have never given written consent to send any info to a third party. This has caused problems for me to obtain anything for my future, has caused XXXX and XXXX in my life.
Consumer complaint received 2019-12-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc (MD)

On XX/XX/XXXX i lost my job in the process i begin to try to catch up with my mortgage payments i only had two months behind i was told to put in the paperwork to start a process with assistance for my mortgage it was approved on XX/XX/XXXX my first payment was XX/XX/XXXX i made that payment along with XXXX XXXX and XXXX and XXXX and XXXX payment i am now waiting for them to cash the other payment that i sent out on XX/XX/XXXX i had to cancel the payment with the bank and resend they didnt ' still take my payment i don't know what they are doing but i submitted paperwork on XX/XX/XXXX with everything that i submitted early this year and know one has reach out to me i have been calling they have been hanging up on me i don't know what to do i have XXXX in my retirement that i will be paying back to the back loan but i am in the rear more than that i am trying to keep my home i have a XXXX child with XXXX XXXX and i need some help.
Consumer complaint received 2023-01-23
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. (VA)

XXXX shows that on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I did not pay my car payment when in reality I did. The final week of XX/XX/XXXX, I made my car payment for XXXX, In XXXX of XXXX I made my car payment within the first week and within XXXX of XXXX I made XXXX car payments for XXXX and XXXX. There were several times I asked for extensions due to illness which XXXX gladly gave me assuring me that an extension does not constitute none payment. There were also several times I paid XXXX to XXXX XXXX dollars more then my regular payment to pay ahead and to be current. XXXX has told me several times that I paid in full and that I have not paid late and that they would correct the mistake on my credit report. But this has not happened yet. In XXXX of XXXX XXXX tried to say i did not make a car payment which i did. i mailed the payment to them guaranteed check. they received it XXXX days later but lied and said they did not. I made an XXXX car payment at that time as a result over the phone. XXXX months later we found out from XXXX and the bank, that they did receive my XXXX payment via guaranteed check. They applied and updated that payment and I asked them to please remove the delinquency from my credit report. They said they would but have since done it.