davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

According to 15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please remove this item IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 US code 1681b - Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I'm demanding that the listed account be removed
Consumer complaint received 2023-02-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

XXXX I have submitted all required documents to Wells Fargo numerous times. The issue continues to be unresolved by you. Why? I am requesting my XXXX XXXX Wells Fargo XXXX. XXXX ( XXXX XXXX ) ORDERED Court settlement check. 
I have XXXX and your harassment is illegal towards me. 
Stop harassing me! Stop!!
Consumer complaint received 2022-02-08
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2018-09-01
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. (NY)

I have checked my report every week I notice last year that Experian had 2 accounts with false information on it just happen to be from XXXX which is XXXX, XXXX, and others however my problem was I had a bankruptcy discharged in XX/XX/XXXX which by law supposed to stop all creditors from making any credit report updates all is on cease and desist. With that being said we are in XX/XX/XXXX and almost XX/XX/XXXX I am still getting these companied reporting I failed to make payment in XX/XX/XXXX. Now you tell me how that makes sense when it was discharged inXX/XX/XXXX? I have contacted these companies and the reporting agency they fixed it last year but only when they were forced to by the Attorney General, I filed a complaint with the A/G and what do you know 5 days latter it was fixed. Now a year latter they are playing the same game knocking my credit score back down again. Their nis a law passed protecting people like me called the FCRA and gives me the power to prove and sue any reporting agency from reporting in accurate information. I think I have went above and beyond to try to fix the problem and they just slapped me in the face putting it back on as false inaccurate information so at this time, I am seeking suit as it is my right to do so. I want these companies held accountable as the State law shows that I can I even tried to fix the problem and the proof speaks for it self. I am seeking damages at this time and want the company in court. NOTE : They also make it impossible to file another error to your report because they state you have already done this even if you have new information, this is a loophole they are using and is ILLEGAL. As per he Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them toinvestigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX IL XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2018-09-01
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. (FL)

XXXX XXXX  sold the store card to XXXX XXXX XXXX XXXX. I called. XXXX XXXX - XXXX is their number I called XXXX XXXX  who claimed they had this account and was sold to them. I need XXXX XXXX to comment on this account that it is settled and paid in full. It is not a charge off or collection. Remarks need to say please, or comments settled and paid in full. Thx. XXXX XXXX
Consumer complaint received 2018-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NJ)

I have a TD bank account which was improperly handled and was changed without my permission from a student checking to a convenience checking account which by there own guidelines I am still eligible for ( the student checking ). 
Because of this I am being hit with approximately XXXX $ every time my account drops before XXXX . This is causing significant financial difficulty because Im on short term XXXX right now and have high medical bills from XXXX I had. I just thought the government should be aware of whats going on with TD and there shady business model with being coninously hit with overdraft fees while being less than a dollar short and multiple fees that are the result of not having enough money
Consumer complaint received 2022-07-08
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)

Reached out to the bureau requesting validation of debt for charge off account for XXXX on my credit report I sent the first letter to them on XX/XX/27 and they sent a updated report with changing the payment status date I resent another requesting for verification of the debt and they still have not sent results or any documentation. I also sent another letter on XX/XX/27 and XX/XX/27 as well to the credit bureau and they sent no response and its been over 60 days. They only sending updates on the credit report with changing the payment status dates and payment history back and forth and all three bureaus are not reporting the same across all three. I requested investigation to be re done XXXX times as well as sent documentation of proof with also factual data showing the inaccurate information and investigation still have not been resolved and no response from the creditor or correct investigation from the credit bureaus.
Consumer complaint received 2018-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The original owner was XXXX XXXX sold to XXXX XXXX XXXX XXXX. I settled and paid in full with XXXX XXXX. I need XXXX XXXX as well as XXXX XXXX  to comment on my account ( my credit report, all three. That this XXXX XXXX store card or credit card was paid and settled and paid in full. Was a charge off but need remarks to say, or comments as paid and settled in full please. Thx XXXX XXXX
Consumer complaint received 2018-09-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The original owner was XXXX XXXX sold to portfolio recovery associates XXXX. I settled and paid in full with portfolio recovery. I need portfolio recovery as well as XXXX XXXX to comment on my account ( my credit report, all three. That this XXXX XXXX store card or credit card was paid and settled and paid in full. Was a charge off but need remarks to say, or comments as paid and settled in full please. Thx XXXX XXXX
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (PA)

After review of my Credit Report, I found that my report contained Numerous Hard Inquires that I never Authorized. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX  XXXX XXXX 4.XXXX XXXX. 
5.XXXX  XXXX XXXX XXXX 6XXXX XXXX 7XXXX XXXX XXXX XXXX. 
9. XXXX XXXX XXXX XXXXXXXX. 
10.XXXX XXXX XXXX 
11. XXXX. XXXX
Consumer complaint received 2021-12-04
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. (SC)

XX/XX/2021 Attached are document to prove my identity, FULL NAME, ADDRESS, SOCIAL SECURITY, BIRTH CERTIFICATE. Under consumer law, I REQUEST MY SOCIAL SERCURITY NUMBER BE REMOVED FROM MY CREDIT REPORT. 15 U.S. Code SUBCHAPTER IIICREDIT REPORTING AGENCIES. Consumer law 15 U.S. Code 1681g - Disclosures to consumers
Consumer complaint received 2018-09-02
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (IN)

I discovered in XX/XX/2018 I was reported as having missed a payment in XX/XX/XXXX and XX/XX/2018 on my leased vehicle through GM Financial. I had automatic payments set up through the GM financial website. I verified through my bank statements that I made my payments on time. I went on the GM website and discovered that my XX/XX/XXXX statement was not on their website and was the only month missing. I looked at my payment screen and it showed my account had no past due amounts. I contacted GM financial multiple times and they stated I owed back taxes from where I previously lived in Virginia. However there was no XX/XX/XXXX statement to reflect this and their website ( payment screen ) didn't reflect I owed any taxes. So I was not aware of this until I inquired about the matter in XX/XX/XXXX. The customer service agent for GM financial stated they could place a corrective letter to my credit report. This matter has still not been resolved as of XX/XX/XXXX. I feel it's unfair to penalize me for payments I was not aware of and from a statement that doesn't exist on their site. These are the only negative remarks on my credit and dropped it 70 points. I would like GM financial to honor their word that they would fix my credit, update their website to reflect what I truly owe in a timely manner, and maintain all of my monthly statements.
Consumer complaint received 2022-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation (SC)

To Whom It May Concern : This letter is in reference to XXXX that your company is currently reporting to XXXX XXXX XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. This negative rating has caused me some serious financial distress and will continue to cause me financial and emotional distress until it is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to under these circumstances. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand an information request! 

I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. 

I request, under the FCBA, that you include all of the following for my reference and research into this matter : A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
A full file disclosure. 

An itemized statement breaking down the balance you claim I owe. 
Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 
1099 ( c ) IRS Document that you are required to send me, If you can not provide this requested correspondence, then please delete the negative marks you have reported to the three consumer reporting agencies about me within the timely manner prescribed by law. Your prompt attention to this matter will be greatly appreciated. 

RECEIVABLES MGMT CORP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-09-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have received several debt collection letters from Portfolio Recovery, on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. All of these letters state that I owe {$2100.00}. I have no idea what this is or why they are attempting to collect this amount from me.
Consumer complaint received 2018-09-02
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. (FL)

This is the 3rd time I have had to file a complaint with the CFPB on XXXX XXXX to get this corrected. I really dont understand. I file a complaint. XXXX XXXX removes the incorrect information then a month later it reappears. My credit report at all three credit bureaus once again show me having late pays XX/XX/XXXX and XX/XX/XXXX with XXXX XXXX. In XX/XX/XXXX, I was a victim of Hurricane Irma. I do realize XXXX XXXX has no legal obligation to work hurricane victims so all I can do is accept this late pay BUT XX/XX/XXXX I will not accept. XXXX XXXX misapplied a payment I made to someone elses account. They are fully aware of this. There are notes all in my account with them along with a copy of the canceled check. The correction to my account was made back in XXXX. They just keep adding this 30 day late pay reporting to my credit report which is unfair and against credit reporting regulations. They can not hold their mistake against me. I should not have to keep disputing this.
Consumer complaint received 2023-01-10
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. (MO)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
XXXX. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX BANK XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-09-02
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. (TX)

XXXX total dud false advertsing on their page XXXX XXXX XXXX as just visa deceptive practice have them remove it from their company site
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (FL)

This is the 3rd time I have had to file a complaint with the CFPB on Exeter Finance to get this corrected. I really dont understand. I file a complaint. Exeter Finance removes the incorrect information then a month later it reappears. My credit report at all three credit bureaus once again show me having late pays XX/XX/XXXX and XX/XX/XXXX with Exeter Finance. In XX/XX/XXXX, I was a victim of Hurricane Irma. I do realize Exeter Finance has no legal obligation to work hurricane victims so all I can do is accept this late pay BUT XX/XX/XXXX I will not accept. Exeter Finance misapplied a payment I made to someone elses account. They are fully aware of this. There are notes all in my account with them along with a copy of the canceled check. The correction to my account was made back in XX/XX/XXXX. They just keep adding this 30 day late pay reporting to my credit report which is unfair and against credit reporting regulations. They can not hold their mistake against me. I should not have to keep disputing this.
Consumer complaint received 2022-07-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (CA)

XXXX, XXXX, and XXXX are violating the FCRA by reporting inaccurate information on my credit reports. The payment history states the wrong first date of delinquencies among various other inaccuracies such as : XXXX XXXX and XX/XX/2020 both report XXXX days late, XXXX- XXXX and XX/XX/2020 both report XXXX  days late, and also XXXX and XX/XX/2020 report XXXX days late. 
XXXX Not reporting XXXX days late at all. 
All credit bureaus are reporting incorrect information. 

According to the FCRA, any inaccurate or incomplete information must be deleted. Please delete NAVY Federal CU charge off account from my credit report immediately. Thank you!
Consumer complaint received 2018-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (NC)

I tried to pay my walmart Mastercard monthly balance early last XXXX and That payment was applied to the previous month and then for the month of XXXX my account was marked late. The walmart Mastercard is designed to make money from this countries poorest individuals from interest rates and late fees. If you pay your balance off every month, they are not gaining anything and therefore make it impossible to keep the account. Then walmart cut off my card and I paid off the full amount and it was opened again. It's my only credit card and so I pay the balance off every month now just trying to improve my credit score but every month even though I pay it on time they cut it off. Plus walmart is on my credit report like 5 different times for the same issue so I cant even get a different account. I thought paying the whole amount every month was a good way to improve my credit score but it's been a nightmare. I am scared to close the account because they never remove the negative things from my credit report and a closed account looks bad on me not them but the issuer is the worst credit agency I have ever had to deal with in my life.