davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
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. (AR)

I have been a XXXX XXXX XXXX ( Account # XXXX**** ) customer since 2018 and during that time, I have enjoyed my experience with XXXX XXXX XXXX greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced accounts that date back to 2018. Since that time I have been an exceptional customer paying early every month. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was a XXXX XXXX  XXXX XXXX  without a job. I say that not to justify why the payments were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX XXXX is heads above the rest. I look forward to your reply.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have been a XXXX XXXX XXXX ( Account # XXXX**** ) customer since 2018 and during that time, I have enjoyed my experience with XXXX XXXX XXXX greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced accounts that date back to 2018. Since that time I have been an exceptional customer paying early every month. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was a XXXX XXXX XXXX  XXXX  without a job. I say that not to justify why the payments were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX XXXX is heads above the rest. I look forward to your reply.
Consumer complaint received 2020-03-26
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. (AR)

I have been a XXXX XXXX XXXX ( Account # XXXX**** ) customer since 2018 and during that time, I have enjoyed my experience with XXXX XXXX XXXX greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced accounts that date back to 2018. Since that time I have been an exceptional customer paying early every month. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was a XXXX XXXX XXXX XXXX without a job. I say that not to justify why the payments were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX XXXX is heads above the rest. I look forward to your reply.
Consumer complaint received 2022-12-28
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 Account Number 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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  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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : I am writing to formally complain about TransUnion 's failure to properly reinvestigate inaccurately reported late payments on my credit report associated with my XXXX XXXX account, number XXXX. These errors are negatively impacting my credit score.

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4 ) ( 0 ) ), TransUnion is required to conduct a thorough reinvestigation when a consumer disputes the accuracy of the information in their credit report. Despite my disputes, the following payment records are incorrectly reported on my credit report : XXXX : 30 days late XXXX : 60 days late These inaccuracies must be corrected, and I request their immediate removal from my credit report. 

I formally request that TransUnion provide me with a copy of the reinvestigation report, including detailed documentation and evidence that justifies the conclusion of the investigation. It is crucial for me to understand how the reinvestigation was conducted and to verify that the procedures followed were appropriate and that the final decision is based on concrete and verifiable evidence.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase is reporting incorrect information on my credit report. Isnt that a violation of the FCRA? They are reporting Date last active as XX/XX/22. They are also reporting a total of XXXX inaccurate lates. According to the FCRA inaccurate information must be deleted. I need this account deleted from my credit file as this is causing me issues to obtain a home loan. 

Please provide detailed description of all procedures used in the process to determine complete accuracy of the information reported
Consumer complaint received 2020-03-26
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. (NV)

XXXX XXXX/Equifax is reporting incorrect information on my credit profile, I have attempted several times to have the information updated and removed and have not been able to be successful. 
There is a collections account XXXX XXXX XXXX showing a open date of XX/XX/2020. This is fraudulent and needs to be removed. 
There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. XXXX XXXX keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

XXXX  is reporting the following incorrect information : There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. XXXX XXXX keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

XXXX is also reporting an incorrect collection that previously was advised was removed but is still reporting for XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Hello the XXXX XXXX XXXX  account listed on my XXXX credit report was charged off in XXXX and was recently settled and paid. It is now reporting in the payment history listed on XXXX as charged off in XX/XX/XXXX when in fact it was settled and paid in XX/XX/XXXX. XXXX shows no payment history for this account and the status as paid and Equifax has it showing as account status charged off. I have the right to accurate complete XXXX percent verifiable information on my credit report per FCRA. This account is also a negative account that is more than XXXX XXXX XXXX and outdated information appearing on my report is a violation of FCRA. Please see attached copies of my XXXX Equifax and XXXX reports regarding this account. Thank you.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

I discovered that my name and information were used to open multiple accounts with Comenity bank. Upon discovery I disputed them and they did not remove them. I then completed a police report and the required identity theft affidavits on the federal website. I have sent this information to Comenity. They refuse to delete these fraud items. They return a form letter telling me they find nothing valid. Ive sent the data twice. This is fraud due to data breach exposure. The attached police report was made in my maiden as the fraud was perpetrated in that name. It is Not my name.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (CA)

Ive contacted these debt collectors before, told them I went to XXXX where I had my service, asked them why I was receiving this bill? They looked up my account, said my bill is completely paid. They said we are not sending these notices. They said have them call sprint and verify the account is paid in full. I went to the XXXX office in person when I made my last payment. A year or more later, I began receiving these notices. 
I do not owe anything on this account. If necessary, well go to court. Im sorry but I wont pay what I dont owe. XXXX says do not give you any personal info, because this is a scam. I went there three times, each time they stated I do not owe.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

Checking over my credit report and I noticed that some inquiries where on my account I didnt know about. 

XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX/XXXX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  Equifax Mortgage XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX ID XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX mail XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  I feel like anything posting inaccurate on my report with no info behind it should be removed immediately as my more financial educated friends say the fair reporting credit act. 

Im trying to better myself & this is really hindering me
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (PA)

Acct : DEPTTEDNELNET | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX  XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX  XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX/XXXX  | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2020-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION (CA)

On XX/XX/XXXX at XXXX XXXX, COMPLAINTANT has successfully created a joint account with WSFS bank. Account was finalized on XX/XX/XXXX at XXXX XXXX with verification with deposits via a different bank. 
Mobile access and SMS/email notifications were all functional starting XX/XX/XXXX from XXXX XXXX  to XX/XX/XXXX XXXX XXXX  when WSFS security department suddenly restricted the account. 
Representative on XX/XX/XXXX at XXXX XXXX indicated that only the mobile access, not the entire account, was put on block. 
COMPLAINTANT asks that WSFS uses the same criteria against other accounts to restrict them the same way they put a restriction on COMPLAINTANT 's  account. 
COMPLAINTANT acknowledges WSFS 's right to deny/refuse service to anyone for any reason ( as long as not pertaining to age/religion/nationality/race ), however, would like to note that this interaction seems forced by WSFS. By placing a manual and artificial restriction on COMPLAINTANT 's account, WSFS forces COMPLAINTANT to call its customer service representatives. ( To refute this account, WSFS can look into how many of new customers it places restriction on, after new accounts pass enrollment verification that includes credit reporting agency 's questions as well as entering driver 's license and/or passport information ).
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I tried twice to set up a trial payment plan, but both times i had issues and they would not give me a chsnce to try again. I have my own business and it went through a very hard time because of XXXX virus which I caught twice., I also had a XXXX XXXX and was prescribed medication, and I also went through a divorce.. my business went down to almost nothing but now it has come back to almost pre Covid levels so im sure i can make the mortgage payment if they will work with me. I tried several times to get another trial payment plan started but the people im getting on the phone are not giving me any sign of hope. They are saying they cant do anything. Yet repeatedly in their letters they say over and over they want to help us retain the home. But the way they treat me on the phone really depends which person answers the phone. I also have a very very difficult time getting my so called relationship manager they assigned to me. She is impossible to reach. I also have documented proof that on the last trial payment plan i paid on time with two of the three payments but they sent the first payment back then refused my trial plan in s letter before i could make the final payment. I have documented proof of this and they still have not told me why they sent the payment back on the first payment
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just made a report 2 months ago to transunion again they are playing games stating they do not understand my complaints. 
so they can understand 1. for over 10 years you refuse to give me my credit report you say I need to send in my ID and address info when I have lived at the same address for 4 1/2 years also I have sent my ID to them numerous times plus on here i have put a copy so again playing games with my credit. 
give me my credit report! do you understand that? 
2. 
you are reporting fraudulent medical bills on my credit and have been doing so for years giving me no proof they are mine after being asked numerous times to show me my signature on any paperwork. 
I have full coverage insurance and have had it for over 17 years. 
you refuse to show proof that what you have put on my credit report is mine, but refuse to take it off .Take off this fraudulent medical bills that are not mine or show proof my signature on paperwork. Do you understand that? 
also I want the your legal information, address, phone number, and person responsible so I can start a law suite against your company.