davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 in to be removed. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports
Consumer complaint received 2024-10-04
Product: Credit reporting 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. (MD)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Regarding Unauthorized Hard Inquiry by XXXX XXXX Dear Sir or Madam, I am writing to file a formal complaint concerning an unauthorized hard inquiry on my credit reports made by XXXX XXXX. Upon reviewing my credit reports from XXXX, XXXX, and Experian, I discovered a hard inquiry dated [ Date of Inquiry ] that I did not authorize. 

I have not applied for any new lines of credit with XXXX XXXX or any of its affiliates, nor have I given permission for any credit inquiries. This unauthorized hard inquiry has adversely affected my credit score and may impact my future ability to obtain credit. 

I kindly request the following actions : Investigation : Please investigate this matter to determine how this unauthorized inquiry occurred. 
Removal of Inquiry : If no valid authorization is found, instruct XXXX XXXX to immediately remove the hard inquiry from all three of my credit reports. 
Correction of Credit Score : Ensure that any negative impact on my credit score resulting from this inquiry is corrected. 
I have attached copies of my credit reports highlighting the unauthorized inquiry for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. Please feel free to contact me if you require any additional information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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  Balance : {$0.00}
Consumer complaint received 2024-10-04
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2024-08-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NY)

I had a Contract with XXXX XXXX Since XXXX I was on Automatic payments from my Bank account my contract was from XXXX to XXXX XXXX XXXX increased my payments and did not notify me They claimed that they emailed me I never received any emails from this company my only onto is from XX/XX/XXXX. When checked my bank account to make sure they were paid the bank stated the XXXX. XXXX  put a check in my account for {$580.00} dollars in XX/XX/XXXX I stopped the check and notified XXXX XXXX and canceled the policy and went to another company which cost me a lot of money because I was new so in XX/XX/XXXX I paid this new company for my auto insurance now XXXX XXXX has called. Collection company to mess up my credit this is on all three credit reports I have bank statements showing my XXXX payment and bank statement and disclosure for my new Auto insurance company and the collection agency is now requesting {$290.00} dollars to settle this debt and claims to go higher this is disrespectful on XXXX XXXX part I have been with this company for 10 yrs.
Consumer complaint received 2024-10-22
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Info : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX XXXXXXXX Employers : XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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
Consumer complaint received 2024-10-08
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. (AZ)

To Whom It May Concern : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Consumer complaint received 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (ME)

This is the letter that I sent to XXXX bank & Loancare : I am writing this statement to you explaining what happened with Loancare starting in XXXX ended XXXX of XXXX. 
I XXXX XXXX XXXX have NEVER been late with a mortgage payment. I am/have been disputing this. I have been requesting a hearing for two years with Loancare and as of now no reply. NOTHING. I have sent letters and Emails to no avail. I was disputing not only an escrow increase issue, but an issue since XXXX that Loancare should not have control of my taxes & insurance. I was in touch with them back then, they said they were working with me because I was trying to re-mortgage. I made it clear to them that my Mortage payment would not include the increase for the escrow. 
Once my mother-in-law took sick, I asked for some more time. After that our conversations got heated. Four times Loancare reps called me on private lines. They laughed at me, accused me of making up stories hung up on me. I did not find out they ruined my credit until XXXX of XXXX. Since then, I have called several times to get my credit fixed. XXXX XXXX reps call back, not one call back from Loancare themselves. In my research I have found out that Loancare had a management shuffle. I call it a house cleaning. I have asked, demanded to talk to those two employees in a XXXX meeting, nothing. In almost XXXX XXXX years Loancare has refused to call me back. NOT ONE return call after I talked to the reps that answers the phones. Why? They can not dispute my claim because the employees are AWOL. Permantally! I lose! 
In almost 50 years of Mortgages & loans, I have never been so upset, insulted, and laughed at like I did with two of their employees. Loancare should be embarrassed. 
This all stems from my complaints after closing on a loan XXXX. That is exactly what I have accused them of ever since. Each and every time I have called. I have stated this was a Fraud loan. That was Then. Now at 4 %, they are stuck with me. By the way XXXX management, XXXX Mortgage closed. The mortgager & his manager both filed XXXX XXXX XXXX shortly thereafter. They close one mortgage, in ten months, mine, then closed the doors lying & misleading me all the way through it!! 
I have accused them of this several times, I threw in the towel fighting corporate America in XXXX of XXXX. 
End result, two employees because of personality conflicts with me INTENTIONALLY ruined my credit. Since Loancare has new management, I have no proof, I have paid dearly. 
You serviced two personal loans to help me pay-off moneys that mostly should have been paid off in XXXX. I am never late with payments. Double when you deduct them like you will one LAST time with this loan, please. 

That folks, was the short version. Any questions from anyone, please call to ask me anything you like, unlike Loancare I have NOTHING to hide. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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. (IL)

Im sure I never miss payments, yet this company shows late payments for certain months. Per USC 1666b, billing errors should be fixed, and my account updated to show " paid as agreed. ''
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Collection : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX Date of inquiry : XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX STATE EMPLOYEES XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XX/XX/XXXX Former : XXXX XXXX Former : XXXX XXXX Employers : XXXX XXXXXXXX Employers : NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : NM XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX
Consumer complaint received 2024-10-04
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. (CA)

On XX/XX/year> I noticed unknown collection XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report ( Experian ) This debt collector has not provided me proper debt validation for this allege debt. Under code 15. U.S.C. 1692C they have violated my rights by in lawful communication. Please delete this debt from my credit report. Thank you in advance.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : OFFICE OF THE ATTY GEN XXXX - collection XXXX  XXXX - collection XXXX  XXXX XXXX - late payment XXXX XXXX XXXX XXXX XXXX  XXXX - collection XXXX XXXX  XXXX - collection XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Employers : XXXX XXXX
Consumer complaint received 2018-04-09
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. (CA)

I am contesting a collection account that is recorded on my Experian and XXXX credit reports. I have, in the past, protested this account through Experian and XXXX, with unsatisfactory results. 

The collection account is for XXXX XXXX in the amount of {$700.00}, and has been on my record for more than six years. 

The original debtor, XXXX XXXX XXXX, was at no point in time opened or used by me. Claims otherwise constitute fraud by the creditor or a third party. Therefore, this collection account should be removed from my credit report record.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL (IA)

Dear CFPB During my XXXX XXXX visit to sam 's club, I was invited to apply for XXXX & get XXXX XXXXXXXX price deduction. I was buying a TV unit at sam 's. Unexpectedly, My application was rejected,,, even though on that day, I had a XXXX creditscore ( see printed proof from XXXX ). The Non sincere* bunch reduced my sam 's instore creditcard line of credit to {$100.00}. Such an insinceremove caused a loss of XXXX points frommy XXXX score. 
Recently Synchrony sent me their reasons which are pure nonsense, please see. 
( synchrony stated ) for our decision are listed below. 
Lack Of Real Estate Secured Loan Information >>>> NONSENSEHOUSE IS FULLY PAID FOR. I'm 65.

Balances On Delinquent Or Derogatory Revolving Accounts Are Too High >>>NONSENSE> NO_HIGH BALANCE EXISTED Too Many Delinquent Or Derogatory Accounts >>> NONSENSE >>> GONE in 2018 Balances On Delinquent Or Derogatory Bankcards Are Too High XXXX NONSENSE>>> NO-HIGH BALANCE EXISTED Conclusion. I'm requestingCFPB to reprimandboss of these low level staffers that are without proper training and have the boss to forward a letter of apologies to us. 
NOTE : I have high credit limit cards that I do not use at all. I know we rely on low pay workers from the XXXX XXXX to save cash. On XXXX XXXX XXXX saw XXXX possibilityto steal $ XXXX from my CC. Based on their training by XXXX. Staffers took the $ XXXX cash. Ever since, XXXX has admitted their committed theft. But, wants copy of ( my ) Governmentissued ID & a selfie to issue a refundof my lost XXXX XXXX. That was their/GOOGLE'sstance 4months ago that regrettably has not changed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit scores and much more - XXXX XXXX XXXX XXXX recommendations, tools and insights from XXXX XXXX XXXX that help you optimize your money and grow it faster, to help you get ahead.www.creditkarma.com XXXX. 
Checked daily XXXX XXXX XXXX score checks from XXXX calculated using XXXX XXXX
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX placed a collections account on my credit report for all three credit bureaus in the amount of {$330.00} account ending in XXXX. I immediately contacted XXXX XXXX XXXX to obtain additional information on this debt because I was not notified by them prior to it being added to my credit reports. They informed me that it was a debt they collected from capital one bank and that I needed to pay it. I informed the representative that I was going to dispute the debt because I have no knowledge of a capital one account from XX/XX/XXXX and it was incorrect. I also asked why I wasn't notified by them prior to action being taken by their company, so I could address it prior to it hurting my score. I am currently in the process of finalizing my mortgage loan and this inaccurate account detrimentally affected my ability to obtain credit. She stated that they were not obligated to notify me of the debt because the original creditor already did in the past. XXXX XXXX XXXX has not provided me with any written notice of my debt or written notice of my ability to dispute the debt since my phone call which is in violation of several debt reporting laws. According to the law they have 5 days to provide me with a written notice stating this information. I want this account removed immediately due to their illegal debt collection practices.