davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-16
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: Merchants and Medical Credit Corporation, Inc. (MI)

I am writing to delete the following information in my file. These items that should be deleted are listed in the report. I was trying to ask the Bureaus for validation of these Collections but I did not receive any response from them. 

Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, these Collection Agencies have violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

ACCOUNT NAME XXXX M & M CREDIT  ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$700.00} ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$750.00}
Consumer complaint received 2021-12-16
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 am writing to delete the following information in my file. These items that should be deleted are listed in the report. I was trying to ask the Bureaus for validation of these Collections but I did not receive any response from them. 

Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, these Collection Agencies have violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$700.00} ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$750.00}
Consumer complaint received 2015-04-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I originally submitted a FHA loan application on XXXX 2015 for a mortgage, submitted all paperwork and paid fees including an inspection I was told when the application was in the underwriting process the house I was buying was a flip and FHA would not accept a property that was flip unless it had more than XXXX days I lost the property and the money the bank did n't tell me that requirement until it was about to close. Then I found another property submitted and application they told me it would be faster and while in the underwriting they told me I had to do an addendum to my tax return I did it and submitted it on time, but the underwriting department did n't look at it because they were out of compliance with the XXXX days so they close the case and did n't consider the evidence making me loose more money again. I lost over {$1400.00} dollars on this because of the Banks inability to look at a file within their time frame
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (NC)

Hello ... 
This message is to file a complaint against XXXX XXXX and First Source debt collecting agency. My father, XXXX XXXX, dob : XX/XX/XXXX, applied for XXXX XXXX credit card. Unfortunately, my father passed away on XX/XX/XXXX. XXXX XXXX did not respect the fact that my father died and began to harass me and my family if we did not pay the company. One of the options was to take over my father 's account. Therefore, I decided to take over the account because I did not want any trouble. When I first took care of the account, I was making payments on time because I was working. However, I was a full time student and with the impacts of Covid19, my hours at my work decreased significantly. I am a single mother of a ten year old boy with XXXX. I take care of him and I also take care of my mother who is XXXX. Unfortunately, I do not make enough to take care of credit card payments, utility payments, insurance, all of the financial obligation that I have with my family. XXXX XXXX and First Source debt collecting agency continue to harass me despite the fact that I have informed them to stop calling me. They call me when I am at  work, they call me before XXXX and they call me from restricted numbers. Please help me to solve this matter. Thank you, XXXX XXXX XXXX.
Consumer complaint received 2022-12-19
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: FORD MOTOR CREDIT CO. (MS)

In accordance with the Fair Credit Reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX I received the following email from Macy 's. In short, I did not make this purchase nor do I know the person in the shipping address. I called Macy 's and they cancelled the card and will send me a new one. However I want to report this action including the person who may be responsible. 

-- -- -- -- -- XXXX XXXX, Thank you for visiting XXXX. Regrettably we had to cancel your order because we were unable to verify information provided in connection with this purchase. 

We've requested a reversal of your payment with your financial institution. The exact amount of time until your payment is reversed is determined by your financial institution. 

We understand you have a number of options when making your purchase, and we're sorry for any frustration or inconvenience. 

Please call our Consumer protection team at XXXX ( Sunday-Saturday XXXX to XXXX ) Eastern Standard XXXX XXXX XXXX this issue. 

Order # : XXXX Order date : XX/XX/XXXX Payment method : Macy 's XXXX Refunded amount : {$640.00} Billing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Gift Receipt : Yes Order total : {$590.00} Shipping : FREE Additional shipment fee amount : {$0.00} Shipment upgrade fee amount : {$0.00} Gift wrap fee amount : {$0.00} Sales tax : {$49.00} TOTAL : {$640.00}
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (MI)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX Balance : {$160.00}
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-03-12
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)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXX XX/XX/XXXX
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (CA)

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute I will contact the data furnisher. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct this account from my file. 
XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2022-05-26
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. (RI)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

This is in regards to Comenity Bank, XXXX XXXX XXXX, XXXX Ohio XXXX. 

Comentity charged interest even though I paid balance in full each time postmarked 9 days before due date. They charged interest when they processed my early payment 16 days after it was postmarked. I can not be responsible if Comenity processes it grossly late or the XXXX XXXX delivers it grossly late. What am I supposed to do? Mail all my payments a month ahead of time? They refused to refund the interest and the late charges are all because I did not pay the unjust interest. Comenity is engaging in unfair business practices. My full payment of the bill was postmarked XX/XX/21 but they did not process it til XX/XX/21. They refused to refund the interest and they are charging late fees each month for not paying interest that was unjustly charged. They need to refund my entire balance which is just interest and late fees. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sunset Management, Inc (GA)

This company has repeatedly called me about getting in contact with a friend who has a debt with them. They call every week day between XXXX and XXXX am and leave a message about having the friend call them. They called my cell phone repeatedly until I blocked them and now they are constantly calling my landline and leaving messages. The friend that owes them does not and has not lived with me, so their solicitation is particularly aggravating.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I requested for a loan from XXXX XXXX XXXX XXXX. However, I was denied for the following possible reasons : Credit score shows XXXX from Equifax, derogatory public record or collection filed, time since delinquency is too recent or unknown, number of accounts with delinquency, or length of time accounts have been established. Immediately I reached out to Equifax XXXX XXXX XXXX XXXX XXXX & the credit union indicated that the score would have to be 720 or higher. I reached out to Equifax & asked that they explain to me why I was denied a loan because I know exactly what is on my credit report & I only have one acct in collections because I do not owe it. I have a credit score that totalS XXXX what Equifax shows, yet they sent the report showing that my score is XXXX. The Equifax rep said a mortgage score is different & when asking how do you all get that calculation she said she did not know. Again, my overall credit score is XXXX, my home is paid off, car paid off, I am not late on any of my accounts, & I have had these accts for over 7 years. As I stated to the rep how can improve the score if you don't know how or who calculate the mortgage score. So I can have excellent credit so I still can not get a loan when needed. I am needing them to either raise my score or tell me how they are getting the score so I can improve it. I am needing a loan and yet with excellent credit I am not able to get it.
Consumer complaint received 2017-12-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP (FL)

Upon reviewing my current credit report from your bureau, I came across the attached highlighted item, and I do n't think it is mine. Would you please remove this item from my credit report? 
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item AMERICAN HONDA FINANCE disputed by name of AMERICAN HONDA FINANCE is  inaccurate because I did not used or gave my personal information to this creditor. I am requesting that the item be deleted to correct the information. 
Enclosed are copies of my credit report supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Credit Report
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I have disputed three ( 3 ), fraudulent Tradelines that are reporting on my personal consumer report bearing the name of XXXX XXXX XXXX. The Tradelines are XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, AND XXXXXXXX XXXX XXXX XXXX # XXXX. 

I have requested that Experian provide the legally required proof required to report these fraudulent Tradelines under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Experian has not provided any proof and has failed to DELETE the three ( 3 ) fraudulent Tradelines. Therefore, I am demanding that Experian DELETE the Tradelines due to the fact you have not supplied the demanded proof of the alleged Tradelines, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of these alleged Tradelines, nor therefore any such Tradelines, in fact exists. 

I expect the three above listed Tradelines to be Deleted from my Experian personal consumer report within 15 days of receipt of this letter, in compliance with the FCRA. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Experian is in violation of the FCRA and outright refusing to uphold the law. According to the Fair Credit Reporting Act, your company has an obligation regarding the accuracy and integrity of the information you furnish. Continuing to report these three ( 3 ) Tradelines after I have advised you that they are fraudulent constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2021-12-16
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. (AR)

On XXXX Experian sent my results from a dispute of a bankruptcy stating that the company " XXXX XXXX XXXX AR XXXX XXXX '' verified that the information is accurate and that this item will not be changed as a result of their processing. 
View Experian statement in the attachments I have an attachment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX stating that thXXXX XXXX XXXX XXXXXXXX does not provide information to any credit reporting agency. Experian is falsifying documents and hurting my ability to obtain credit. PLEASE REMOVE IMMEDIATELY
Consumer complaint received 2021-12-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (VA)

In XXXX my car was in an accident. My insurance companies paid the total balance owed on the vehicle. 

In XXXX, I was seeking financing for a new vehicle. The former finance started reporting negative information to the credit bureau, thus impacting my score.
Consumer complaint received 2021-12-16
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. (OH)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-12-16
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. (NC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2017-07-10
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: Experian Information Solutions Inc. (NY)

I disputed inaccurate information and requested that they look for fraud or identity theft. They did nothing. I asked for them to send me documentation of the contracts with the merchant that reported the negative items and they still did nothing. This company is blatantly avoiding following the law and the negative items they report in error should be removed immediately. Delete these items for lack of verification and or fraudulent since you can not verify. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX  Account XXXX Unverified, Inaccurate or Not Mine