davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX received an email from XXXX XXXX that I was 60 days late on payment. I paid this card off in XX/XX/2022, had not activated the new card so I was confused. I called the company and they stated it was annual monthly fees. I had no idea they charged this monthly so it was reported to the credit bureau past 30 days and it dropped my score XXXX points!! I have worked hard to build my score so I contacted them about removing this from my report as I have never been late before and was unaware of this monthly fee on XXXX and XXXX they stated they would contact the bureau but this is still on the report and my score has not been restored. Please help.
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

In the XXXX XXXX XXXX I worked with my XXXX XXXX insurance agent to change my homeowners insurance plan. The agent said this plan would take effect in XXXX and that I would see a decrease in the monthly premium and therefore a lower mortgage payment. Fast forward to XXXX and my monthly payments went up ~ {$30.00}. I used New Rez 's webform to inquire as to why this happened and have followed up twice, but in the past 6 weeks have heard nothing. I hate using this medium to get answers out of them but it seems to be the only way to get them to answer questions. 

I'll also add in that in early XXXX  New Rez failed to pay my insurance company ( from my escrow account ) in XXXX resulting in my insurance company threatening to suspend my insurance. Then New Rez ended up telling me they were going to take out a policy on my house themselves and charge me for it all due to their own inaction. 
( XXXX  this second one has been resolved ( XXXX XXXX  got New Rez to transfer the payment ) but I'm including it as, lacking any evidence to the contrary, I have a sneaking suspicion that it is related to the above )
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Inaccurate Bankruptcy Closed Dates To Whom It May Concern, I am writing to dispute inaccurate information regarding bankruptcy closed dates listed on my credit report. Below are the details of the inaccuracies : 1. **Reference Number : XXXX - Reported Closed Date : XX/XX/XXXX - Actual Closed Date ( per bankruptcy court documentation ) : XX/XX/XXXX XXXX. **Reference Number : XXXX - Reported Closed Date : XX/XX/XXXX - Actual Closed Date ( per bankruptcy court documentation ) : XX/XX/XXXX The closed dates listed on my credit report for the above-mentioned accounts do not match the dates provided in the official documentation I received from the bankruptcy court. I have attached copies of the documents from the bankruptcy court that clearly state the correct closed dates for these accounts. 

The inaccurate reporting of this information is a violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 605 and 611, which mandate the accuracy of information provided in consumer credit reports. Due to the incorrect reporting, I request that XXXX promptly correct these inaccuracies and **delete these items from my credit report immediately**. 

Please confirm receipt of this letter and inform me of the actions taken to correct these errors and remove these items from my credit report. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

in XXXX I reached out to Equifax to update my credit report and remove incorrect Information on my report, Equifax failed to respond and remove the following incorrect addresses ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also request for my DOB to be corrected from my report as Equifax shows XX/XX/XXXX the year XXXX is incorrect. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OR)

I signed up for the AMEX Blue Business Card in XX/XX/XXXX. There was 0 % Promotional APR for 12 months. I made a purchase of {$2000.00} in XX/XX/XXXX. In XXXX XXXXXXXX, one of my payments somehow did not go through. I called AMEX customer service to find out what happened. It was a website use error. I paid my card promptly over the phone and ask that they refund the late fee. They refunded the fee ( {$35.00} ). I paid promptly for every month since then. What I was not informed about was that the company had started to levy a penalty APR 29.99 % for 12 months since XX/XX/XXXX. The customer service agent I spoke to did not inform me of that, and I continue to pay my monthly installments thinking that my APR was 0 % till XX/XX/XXXX, and I was paying down my principal balance. Now in XX/XX/XXXX, I only found out that this was not the case, and for the last 8 months, I was paying 29.99 % monthly interest instead of the advertised 0 % APR. This is misleading advertising and should not be allowed to continue.
Consumer complaint received 2024-08-29
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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. (MI)

in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX XXXX # XXXX  has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2022-08-14
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. (AZ)

XXXX XXXX XXXX I sent my money into a savings acct. They essentially " SELL '' credit reporting. I tried calling several times to ask about cancelling, sent messages, etc, and then notified them that I wanted to cancel -- -- they do not respond, they never answer the phone, they never return messages or call back. A month later, I stopped the autopay. They reported me 30 days late -- and I told them " I cancelled ''. So they said " we have no record '' and I said " you don't even acknowledge or respond '' So now I have a closed account, 30 days late, on my XXXX and experian. I really think XXXX XXXX need to be shut down- because they are selling credit reporting.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MA)

The credit reporting agency Equifax began reporting two accounts from XXXX XXXX XXXX in XX/XX/XXXX that were paid off with the new servicing agency XXXX. My XXXX loans had been transferred to XXXX on or about XX/XX/XXXX and then the loans were transferred to XXXX on or around XX/XX/XXXX. 

I then proceeded to pay off three of my loans ending with account # XXXX XXXX, XXXX, and XXXX that were now with XXXX. Starting in XX/XX/XXXX Equifax then began to report that account # s ending in XXXX and XXXX were still open with XXXX XXXXXXXX XXXX. After having disputed the information and report that the accounts were paid off, Eqiufax continues to report that the information is " accurate '' and refuses to remove these duplicate accounts from my credit report. 

I have attached a copy of the latest dispute I made with Eqifux in which they again reported that the accounts are accurate. I have also attached the correspondense from XXXX XXXX XXXX in which they said that they will no longer be servicing my loans. Lastly, I have also provided documentation from XXXX saying that these accounts are paid in full.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the veracity of an alleged eviction on record appearing on my credit and rental report. Previously, I disputed this identical account with the credit bureaus. Their reply, however, was that the account had been verified with ( Company name ). 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), As well as ( FDCPA ) 15 U.S. Code 1692, your company has the obligation to ensure that any data reported on my credit profile is both accurate and complete. Furthermore, according to the Metro 2 format guideline developed by the XXXX XXXX XXXX XXXX, data furnishers are mandated to report complete and accurate information about each account to the credit reporting agencies. Lastly, Under the FCRA Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i-1681x et seq, information can not be verified if you do not have the authority to access, edit, or share this consumer 's account. 

Given these legal requirements, I respectfully request that you furnish any documentary evidence in your records that you believe validates the derogatory information under dispute. 

I anticipate a response to this challenge within 30 days from the date of this letter, as mandated by the FCRA. If you can not produce the requested documentation, I kindly insist on the prompt elimination of the eviction record from my credit report.
Consumer complaint received 2024-09-17
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-09-02
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NJ)

I contacted Elan Financial Services who is managing a credit card for Fidelity Investments in XX/XX/2023 to dispute a claim with XXXX XXXX XXXX in XXXX XXXX, Florida. 
On XX/XX/2023, Elan Financial Services decided to not dispute the charge claiming that it was beyond a 60-day period.

According to Fidelity Visa Signature Card Agreement, they state that If you are dissatisfied with the goods or services that you have purchased with your Card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. Nowhere within their Card Agreement does it state a 60-day period to dispute. 
When I approached them about this, they reopened the dispute on XX/XX/2023. 
On XX/XX/2023, Elan Financial Services stated in writing that " we are unable to assist you in resolving your dispute as you received the services represented by the transaction ''. I never received services. I am disputing a product that doesn't work. They stated to me on the phone that the matter was closed because there is a no return policy with XXXX XXXX XXXX therefore, they are closing the dispute. What is the reason? A service or product. Prior to this, XXXX ( Dispute Supervisor ) stated to me and my husband, XXXX XXXX that they will force XXXX XXXX into arbitration and that the no return policy didnt matter. I told XXXX that I have emails stating that XXXX XXXX will allow a return but for only {$2500.00} if I drop the dispute. XXXX advised me to not drop the dispute because I would not be allowed to reopen the dispute. At one point, XXXX, and XXXX ( Dispute Supervisors ) started attacking my character and were yelling at me. They made a complete 180-degree change in attitude. 
On a recorded line with XXXX XXXX of XXXX XXXX XXXX XXXX and myself, we together called Elan Financial Services and asked to speak with the dispute department and they refused to speak with us. We called twice. 
Elan Financial Services has been combative and argumentative and unwilling to look at the emails and documentation sent to me from XXXX XXXX XXXX. XXXX and XXXX ( Dispute Supervisors ) at Elan Financial Services are acting as if they never read any documentation I submitted.
Consumer complaint received 2022-09-24
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. (CA)

ON XX/XX/XXXX I CONTACTED XXXX XXXXXXXX FOR ACCOUNTS THAT THEY REPORTED TO CREDIT BUREUS AS PRIOR COMPLAINT THEY BLOCKED AND REINSERTED THE ACCOUNT TO ME CREDIT SO PER CALL ON XX/XX/XXXX I TALKED TO XXXX XXXXXXXX FRAUD DEPARTMENT REPRESENTATIVE ON RECORDED AND MONITORED LINE SHE TOLD ME THAT ACCOUNTS ARE FRAUDULENT AND IM NOT RESPONSIBLE FOR THEM AND THEY SHOULD BE REMOVED FROM MY CREDIT REPORT THOSE TWO ACCOUNT XXXXXXXX XXXX
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late fo 266 purpose.
Consumer complaint received 2022-11-02
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.., I found that under section XXXX ( a ) Experian, XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required XXXX  Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX law enforcement agency, including the XXXX XXXX  XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt.
Consumer complaint received 2023-03-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Offices of Hayt, Hayt & Landau, LLC (PA)

I received a letter on XX/XX/XXXX that is telling me I am being sued for a credit card debt from XXXX XXXXXXXX that I have not had since XXXX. They state my balance due is XXXX. The letter states I must appear in court on XX/XX/XXXX. As an alternative than to appear in court I can pay XXXX.up until XX/XX/XXXX.