davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

XXXX XXXX has now made false statements to the CFPB and myself. They lied and said they 'confirmed no negative account information is being reported to the bureaus. ' That is false. I have proof right here. I have a copy of my XXXX credit report, as of today, that proves the false adverse credit file information is still being reported. This now marks my FOURTH attempt to resolve this issue and I am preparing to file a lawsuit if it does not get corrected within the next 7 business days. I have had it. I am tired of companies thinking they can put whatever they want on my credit report that is completely false, and I am tired of the severely unethical and bias for-profit credit bureaus that allow it and make deceptive statements that the information has been verified as accurate when it absolutely has NOT been. I am not going to tell you again XXXX, get this false information OFF my report and do it NOW. I had a flawless record with your company, you closed my account anyway, and now you are reporting NEW and FALSE information against me that has destroyed my credit score as it is being considered by the bureaus to be 'report of a new bankruptcy ' and I am furious that you lied that no problem exists when I have already proven that it does. Fix it, and stop lying. It is causing me serious duress to have to haggle back and forth about it like its a fish market when I did absolutely nothing wrong to deserve this violation of my consumer rights and defamation in the first place. Take care of it and do not blow me off this time. I mean it. CFPB, do not transfer my complaint somewhere else this time and tell me you do not handle this type of complaint when the evidence is right here that you do because it is featured in all of your drop down menus. It's not my fault there are so many of my creditors, violating my rights with false information, that I have so many open complaints. You should be that much MORE motivated to help me, should you not? I want this addressed. And the fact XXXX made false statements in response to my last complaint, and still ignored my XXXX complaint altogether and said it does not exist. Well I attached a copy right here. So now what? # 1. XXXX information needs to be corrected including removing the false bankruptcy information that is currently being reported see copy of report for proof. # 2. My entire flawless payment history has been deleted from Equifax, that needs to be corrected. # 3. The 'customer disputes after resolution ' indicator needs to be removed from all three bureaus once those issues have been corrected.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

Hi XXXX XXXX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc. (NY)

I have spoken repeatedly with Remex to resolve this issue. I have a claim number and a payment number provided by a state employee. Remex is requiring an explanation of benefits as proof - however, consumers are not able to request this information. The provider is to request a remittance by calling XXXX and providing an NPI number. I have spent days and countless hours speaking with representatives from both the NY XXXX and Remex, and nothing has been resolved. I am physically unable to obtain a copy of the EOB due to HIPPA regulations, and Remex/Well Now has made it blatantly clear they will take no steps to follow the procedure set in place to acquire this documentation. 

As I have taken the steps to provide proof and have been met with accusations that the debt remains unpaid, I consider this a fraudulent attempt to collect a debt that has been paid over a year ago. A state employee with the NY XXXX has suggested I file a report with the state. 

Claim : XXXX Payment number : XXXX This has severely damaged my credit score. I have gone from an XXXX to XXXX after a history of perfect payments. 

Please help me to resolve this issue! 

Thank you! 

Best regards, XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2021-05-11
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)

There are a couple of accounts on my credit report that I do not recognize. I also have a bunch of inquiries that I did not authorize. There are 2 addresses I have never lived at. Please remove them immediately.
Consumer complaint received 2022-01-21
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The company, XXXX XXXX placed a derogatory report on my credit report. The company reported to TransUnion that my account was late for payment and shows as a charge off on my credit report with TransUnion. The account for XXXX was discharged in Chapter XXXX Bankruptcy in XXXX of 2020.
Consumer complaint received 2023-09-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (CA)

Vehicle was repossessed XX/XX/XXXX. American Credit Acceptance sold vehicle XX/XX/XXXX. Account was charged off XX/XX/XXXX. Interest was accrued from XX/XX/XXXX to XX/XX/XXXX. Charge off amount is incorrect. Loan with accrued amount was XXXX and sold on XX/XX/XXXX for XXXX. If the charge off was on XX/XX/XXXX. Then it should be for the amount of XXXX.
Consumer complaint received 2022-03-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2020-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (NC)

I have a collection on my credit report that has been paid but it was sent to a collection company that continues to attempt to collect the debt. I have tried to dispute this with the credit bureaus but have not received any notice from them that they even opened the investigations. Please help me to get the collection removed from my report.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Experian, XXXX, and XXXX is reporting incorrect and inaccurate information to my credit report from XXXX XXXX which is a closed account with a late payment in XX/XX/2023, which is INCORRECT! Experian is reporting the late payment in XX/XX/2023. XXXX is reporting the late payment in XX/XX/2023, and XXXX is reporting the late payment in XX/XX/2023. Which are all incorrect and inaccurate dates with all XXXX bureaus I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

There are 3 derogatory alleged medical collections placed on my XXXX, XXXX, and Experian consumer reports. These alleged collections are from the same company which is XXXX. XXXX has placed an alleged collection for {$200.00}, {$260.00}, and {$260.00}. I have tried to get this removed with no luck. I was involved in an auto accident and when my attorney settled the case all of my medical bills were paid out of the settlement. This collection company committed fraud by stating that these accounts meet FCRA requirements. They did not provide proof that these belong to me nor did they provide documentation showing that I signed any contracts with my social security number on any paperwork. I have all paperwork from the accident that I will provide to the courts because I will be seeking a remedy from the XXXX and from XXXX, XXXX, and Experian for allowing this company to commit fraud. XXXX did not get my permission to place these fraudulent collections on all 3 of my consumer reports. They have violated consumer law 15 USC 1681b ( 2 ) which is a {$1000.00} violation among other violations. XXXX also ran a soft pull on my consumer reports before placing these alleged collections. I have also provided proof that XXXX ran a soft pull on my consumer reports before placing these fraudulent accounts.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are 3 derogatory alleged medical collections placed on my Transunion, XXXX, and XXXX consumer reports. These alleged collections are from the same company which is XXXX. XXXX has placed an alleged collection for {$200.00}, {$260.00}, and {$260.00}. I have tried to get this removed with no luck. I was involved in an auto accident and when my attorney settled the case all of my medical bills were paid out of the settlement. This collection company committed fraud by stating that these accounts meet FCRA requirements. They did not provide proof that these belong to me nor did they provide documentation showing that I signed any contracts with my social security number on any paperwork. I have all paperwork from the accident that I will provide to the courts because I will be seeking a remedy from the XXXX and from Transunion, XXXX, and XXXX for allowing this company to commit fraud. XXXX did not get my permission to place these fraudulent collections on all 3 of my consumer reports. They have violated consumer law 15 USC 1681b ( 2 ) which is a {$1000.00} violation among other violations. XXXX also ran a soft pull on my consumer reports before placing these alleged collections. I have also provided proof that XXXX ran a soft pull on my consumer reports before placing these fraudulent accounts.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (IN)

Since XX/XX/2021 I have received 600 to 900 automated ( recordings ) from SYNCHRONY BANK of Utah and Florida. 
XXXX or XX/XX/2021 I had a scammer call me, he spent 1 hour on the phone representing himself as Pay Pal During this time he charged my account {$700.00} then {$1400.00} then he took it off my account. I was afraid he would put it back on my account so I called SYNCHRONY BANK and explained what had happened. They said they would have their Fraud Dept investigate it. 
The thieves then took out {$700.00} from my account. and I started getting the phone calls. 
I have spoke to one of the SYNCHRONY BANK representatives and told him what had happened. Nothing happened. 
I wrote 4 to 5 emails ands nothing happened. 
I have stopped putting items on XXXX XXXX I believe my items have been shown since this all this has happened. I had hundreds of items on line. 
I will no longer deal with XXXX XXXX or SYNCHRONY BANK. 
I have been with XXXX XXXX 30 years and have made over {$100000.00} in sales
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have previously disputed with TransUnion, XXXX and XXXX on XX/XX//2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (MO)

I have attempted to contact XXXX  several times about having an account re moved from my credit my insurance company has contacted them also on a recorded line were they agreed to have this account removed from my credit report.. the reporting collection company keep stating that they have not received anything from the. XXXX XXXX To remove it XXXX  stated they can not give me a copy of the letter because it is internal
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I've been a victim of identity theft. The inquiry listed should be removed as this is fraudulent and unauthorized. Inquiry : XXXX XX/XX/2021.
Consumer complaint received 2022-07-06
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. (NY)

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. U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # 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 2021-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My complaint is that the account is reported as {$760.00} dollars past due to XXXX and showing charge offs on XXXX  and XXXX when the account has been completely paid off. however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of this loan or debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past few years years and it has been hurting me and credit the entire time.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (CA)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX XXXX customer service representative.
Consumer complaint received 2022-01-21
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. (MD)

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 2021-08-28
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)

XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I have called on XXXX different occasions about why these loan are showing negative on my credit report.. My students loans should not be showing negative. They are deffered and not defaulted or negative. I have called XXXX XXXX XXXX XXXX XXXX and I was informed they they are not showing negative, but they are showing negative. 

XXXX. XXXX ( Date opened XX/XX/XXXX ) XXXX ( Date opened XX/XX/XXXX XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX )
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

The creditor is Best Buy Credit. I have made consistent and frequent payments over the last 2 years and 5 months. I have never been late on a payment and according to my records I have paid {$3700.00}. On XX/XX/XXXX apparently a charge of {$5000.00} in interest was applied to a {$3400.00} balance resulting in a {$8400.00} balance. I called 6 times to speak with a customer service representative. 4 of the 6 times I was hung up on and 2 of the times I was put on hold for over an hour before being hung up on. I tried accessing my account multiple times online only to receive error messages. I requested to close the account which I was able to do but I was not told how the {$5000.00} interest charge was applied and to what item it applied to only that it was due to an expiration of a promotion. To my best recollection any promotion was only going to revert to a APR of 14.9 % after the interest fee payments of 24 months. Best Buy has been non communicative and unable to provide the information when requested multiple times. The last I had heard was that it was escalated and that someone would contact me but I have yet to hear from the company. A 143 % increase in the overall balance while paying on time over the last 2.5 years is egregious and should be remedied. I am not opposed to paying what I owe with a reasonable interest rate. In my mind Best Buy practices predatory and fraudulent lending on par with loan sharks.