davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-14
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. (OH)

I opened XXXX XXXX  and Equifax this A.M. to check my current scores to find that my Equifax score had dropped because of a Hard Inquiry made by XXXX. I have never applied for any form of loan from this company and never gave this company authorization to check my credit. It really disturbs me that they can arbitrarily do these things without consent from the party being researched. I would never consider this company now and I certainly would not recommend them either.
Consumer complaint received 2018-02-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

I HAD XXXX WHICH IS A MEDICAL CARD FROM THE STATE OF ILLINOIS. THEY STATE SHOULD OF PAID THIS WHOLE BILL. THE HOSPITAL DID NOT CHARGE THE RIGHT INSURANCE AND I HAVE TOLD THEM THAT BEFORE
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (MI)

On XX/XX/2018, a letter was sent to Diversified Consultants via certified mail asking for validation of a debt they are reporting on my credit report. It has been over the 30 day request for this information and they have yet to respond. I am requesting that this negative information be deleted from my credit report as they have failed to provide this information and it is harming my score.
Consumer complaint received 2018-01-09
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. (IL)

I have attached a letter and documents with highlighted information for review by the CFPB the credit reporting agencies and the creditors XXXX XXXX XXXX XXXX XXXX This is in response to a previous complaint with regarding items listed on my credit file that have not been validated. The information attached has been altered and or tampered with and is not the original information that was " supposedly agreed to by myself and the joint party. I never received a claim letter from this company regarding the CFPB consent order and was misled by the healthcare provider about the details and truth regarding opening the account and card. I believed that this card and account was paid in full. Account ending in XXXX was charged off and sold to a collections agency. 
******Please view all attached documents. ***********
Consumer complaint received 2020-06-03
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. (FL)

Experian has this XXXX XXXX auto  loan reporting on my file however the account is inaccurate and i have documentation to prove it and XXXX XXXX is in violation of the fdcpa with predatory lending practices of the acct XXXX XXXX XXXX  : XXXX so in the attached sheet from a XXXX XXXX XXXX  statement it shows the terms of this loan is 75 months ... then look at the experian report they reporting that the loan term is 77 months, i obtain a print out from the dealer it showed the term was 72 months, which is it? What we know is that this data is inaccurate Another thing no fault of experian is XXXX XXXX   reporting saying the apr is 5.89 % the dealer has it at 6.89 % this account is in fdcpa violation its just not reportable See attached sheets, experian can not correct this XXXX XXXX can not correct it, between the dealer, XXXX XXXX XXXX  and experian they have three different information on this loan suggest shady tactics and documentation was falsified Therefore this inaccurate data experian is now aware of it, its on paper i need the data remove its misleading See attachment Will be mailed to XXXX CFPB AND ATTY GENERAL OFFICE Experian you are herby notified that this account does not qualify to be on my report, you cant say later you did not know because this account will take on a different complaint process if its not removed
Consumer complaint received 2024-03-01
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. (IL)

Equifax has a promotional block on my credit profile most information is reported incorrectly i can not access my report correctly because of a block they can not tell me who put the block on my account personal information is incorrect name on account is inaccurate employment inaccurate alot of soft inquiries THAT ARE NOT MINE i was told i was not apart of the equifax breach settlement clearly my report shows otherwise i have spoken with them on several accounts still no results I CLEARLY need to know how a block has been placed without my authorization creditors cant even access my report
Consumer complaint received 2018-03-02
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. (CA)

I have already contacted company by submitting a certified letter to each company and as of yet have not heard anything back, and I want these hard inquiries removed immediately. 


XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - Equifax/XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX  hard inquiry XX/XX/XXXX -, XXXX   XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XXXX Equifax ; XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX XXXX  ; XXXX XXXX XXXX, XXXX hard inquiry XX/XX/XXXX - XXXX ; XX/XX/XXXX, XX/XX/XXXX - XXXX All of these companies sent a certified letter of dispute XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (TX)

Re : Merchant Credit Gui : Amount ( s ) {$580.00} and {$700.00} ALL of the reporting dates are inaccurately listed under the account of the alleged debt the statute of limitations for reporting under the FCRA has passed. 

In Addition, all medical debts shouldve been covered under insurance through Texas XXXX during/prior/afterwards within the timeframe indicate. I have listed Insurance Information below for verification. 

I the consumer did not receive notification of any balances owed prior to the creditor reporting the alleged debt to the credit reporting agencies. 



Texas XXXX # XXXX XXXX
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CO)

Hello I received a Reliacard from US Bank that was not requested and I do not have any benefits from the State of Colorado that were requested or that should be coming to me. Someone applied in my name for benefits that are fraudulent request. Please make sure the card is dicontinued and any funds placed in the account returned to sender.
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (OR)

I tried to verify debt and said I disputed that debt. XXXX, I think his last name was XXXX  he said. Stated they didnt have to verify the debt. I stated that under the ADA law I disputed and he said they were past that. I asked if they had sent me a letter and he states they had not.
Consumer complaint received 2019-08-21
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. (CA)

I just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with the credit bureaus
Consumer complaint received 2020-01-22
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. (FL)

HELLO AND I TRIED TO COMMUNICATE WITH XXXX DEPARTMENT OF FRAUD FOR THE CHARGES THAT APPEAR ON MY CREDIT CARD, I REPORT THE CHARGES AS A FRAUD ARE FRAUDULENT TRANSACTIONS, ALREADY I HAVE A LONG TIME WAITING FOR THE RESOLUTION OF THE CASE AND I NEED THEM ONE LETTER SAYING THAT THE CASE WAS APPROVED THAT THE CREDITS ARE PERMANENT AND NOTHING THEY GIVE ME THOSE CREDITS, IN THE CREDIT AGENCIES THEY HAVE BEEN REPORTED LATE PAYMENTS THEY ARE DAMAGING THE CREDIT WITH WRONG IMMIGRATION PAYMENTS LATE AND FAKE USE THAT I HAVE TO XXXX AND IT IS NOT SO I DON'T HAVE ANY PENDING BALANCE WITH XXXX  I NEED THAT SOLUTIONS THIS QUICK PROBLEM IS TOO MUCH THE TIME I HAVE BEEN WAITING THEM TO DELETE THE NEGATIVE HISTORY THAT REPORTED THE CREDIT TO THE CREDIT CREDIT CARD.
Consumer complaint received 2022-04-28
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. (NY)

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
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 an account without my written instructions.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NV)

I closed my granters account when he passed got the contents of a safety deposit box and got an estate account on which I paid the bills. Wells Fargo says they have the death certificate and Order to Set Aside. They said that wasn't enough? Now, I'm sure they owe remediation on his account due to the lawsuit and they are refusing to give me access to the account or the remediation. So I faxed them his will. That's all I got! It worked then why won't it work now?
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (CA)

I contacted Continental Finance credit card XXXX to report a Fraud on my account. After reporting fraud and requesting a new card, I noticed on their website that they updated my balance to zero. 

They closed my account, deleted all credit statements from my online profile, and reported, without my knowledge, a high balance on my card to three credit bureaus. 

The negligent and incorrect reporting affected my credit score and damaged my credit reputation. This erroneous action and the confusing online portal harmed my credit. 

This message serves as a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) that your reporting to credit bureaus is disputed validation, before reporting you MUST validate charges. 

The law is clear regarding the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. 

I demand the immediate correction of the information posted in three credit bureaus.
Consumer complaint received 2018-02-03
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: Bridgecrest Acceptance Corporation (TN)

Complaint against XXXX Credit Reporting Agency. They show loan ending XXXX in my name active in Chapter XXXX Bankruptcy. This information is destroying my credit score and report. I have contacted XXXX and have had no success in getting this error removed. The Chapter XXXX Bankruptcy in XXXX XXXX XXXX XXXX name. The court will provide proof that I am not in bankruptcy in anyway whatsoever. This error has been reported since XX/XX/2013. Ironically XXXX and XXXX are not showing any derogatory information on this account.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-04-28
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. (SC)

I'm requesting a correction or deletion of the following information that appears inaccurate on my Equifax consumer report. I have already filed a dispute letter to Equifax regarding these inaccuracies dated XX/XX/2022, asking for an investigation, and I didn't receive any reply from Equifax. These items lack accuracy and completeness and have violated my consumer rights under the Fair Credit Reporting Act and as mandated in 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Consumer complaint received 2024-02-29
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. (NJ)

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX ( NMLS ID XXXX ) put a hard inquiry into my account without my consent. She misinformed me on rates for an investment property refinance then pulled credit without my consent. After multiple times telling her I wanted cash-out to refinance she quoted me the rate of the regular refinances which has a lower rate. The other was substantially higher. She also tried to charge me their {$500.00} fee as well. She was just trying to push me through the process and did not listen or do any diligence to ensure she was doing the right thing. Her manager is XXXX XXXX XXXX XXXX Manager| NMLS ID XXXX| XXXX. Poorly run area. Have had many issues with them. They also demonstrate discriminatory practices and I recommend someone ( not JP Chase ) reach out to me so I can explain. They need to be audited on something as I am sure of wrongdoing.
Consumer complaint received 2024-02-29
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. (TX)

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. 

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 2021-05-03
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)

I uploaded my ID and identity theft report too many times and some of the agents keeps saying they received it and some said I have to wait 5 days for processing so Im confused Im just trying to get a fraudulent item blocked on my credit report that it and I hate waiting when all my credit cards are in a jeopardy to be closed down .. and I want to dispute a item from XXXX XXXX account and I have the FTC report and my ID to inclosed
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the XXXX day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.
Consumer complaint received 2019-03-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (OR)

I submitted a complaint in XX/XX/2019 XXXX and LendingClub did the same thing! 

Letter to LendingClub, uploaded same issue as before tried to pull from an account that I have ask them to never use/remove! To be safe I changed and you can see the screen shot is XXXX only!
Consumer complaint received 2018-03-04
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. (NJ)

I had a recent mortgage modification where it was completed roughly 45 days ago and they are still reporting the old mortgage balance and that I was late with my mortgage payments. Neither of which are accurate. I provided them with a current statement of my mortgage showing it is current and that their balances are incorrect and they refused to recognize that 3rd party documentation as proof that I am correct.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PENTAGON FEDERAL CREDIT UNION (OH)

Never told me bills was due. Signed up for email alert.Never received. They sent me a bill past due in the mail.I did receive a call a few days ago to call them. Tried it, they just advertise for different kinds of loans.Cant get a person on the phone.
Consumer complaint received 2018-10-04
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: BMW Financial Services NA, LLC (CA)

Dispute with XXXX failed to remove an inaccurate 30 day late with BMW Financial Services. Instead, BMW updated the tradeline with an ADDITIONAL 30 day late across all 3 credit bureaus. I have disputed the tradeline again, with screenshots from my bank statements that show electronic payment dates - no payment was 30 days late.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

in 2019 i had broken let i couldn't work so i called to XXXX and the synchrony bank to let them know that i wasn't able to made one because i had an car accident ( XXXX XXXX ) and then they were like happy the i let them know about. so within the following month i received a statement over XXXX dls to be paid and i called them back i explained them again my situation and then they returned the late feed but they close the account and keep me raise interest for over year and they mark as delinquent account. now i still paying every month i haven a single payment since.