davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CT)

A principal payment ( Incentive Investment payment per contract ) was made on XX/XX/XXXX for {$10000.00} This payment was applied as interest and principal. We called on XX/XX/XXXX to notify Dividend Finance of the issue and didn't get any assistance. 
Today XX/XX/XXXX we again called Dividend Finance and explained our issue. We were told that they can not fix how the payment was applied and, in order for us to maintain the current monthly payment of {$170.00} we need to pay them an additional {$54.00}, and it must be paid today. We asked to speak to a Manager and they told us someone will get back to us in XXXX which is unacceptable especially when they wanted more money today. 

We have done everything per the contract and should not have to pay more money.
Consumer complaint received 2024-10-25
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. (NC)

Hello Sir/Madam, I recently viewed my credit report and noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX XXXX XXXX in XX/XX/XXXX . I have contacted XXXX XXXX XXXX  by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX ; and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. " 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. Below, I have attached an accurate credit report from XXXX XXXX XXXX of all three bureaus reporting inaccurately. Therefore, I am now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully I look forward to your immediate action.
Consumer complaint received 2024-09-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (WI)

I see that Wells Fargo has had numerous Class Action lawsuits filed against them related to mortgage loans that went to Foreclosure. I realize this is from XXXX, but I am needing information about how to join the class action lawsuit and have not been successful getting any information from their Customer Service through the XXXX phone number that was listed. I can't find details in my files related to account number. The only thing I have is through on-line XXXX look up showing my Foreclosure. 

I need help getting information why I wasn't included in this Class Action automatically, as the online articles implied that this was to be expected. 

Wells Fargo refused to work with me on a loan modification or other reasonable solution. What they proposed via the phone contacts that I had with them was not a solution. Ultimately, my mortgage was foreclosed on XX/XX/year>. This caused me great hardship Please advise what I should expect or what I can do to pursue this and be part of the Class Action settlement.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-21
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. (NC)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing in response Legal Item XXXX because I do not believe I owe what you say I owe. This is the first I 've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. Kindly also remove this item with immediate effect.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint against Equifax for reporting inaccurate names and an inaccurate address on my consumer report. These errors have persisted despite my dispute attempts, and they remain on my file, in violation of the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA, specifically 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Equifax has failed to comply with this provision by continuing to report inaccurate personal information, including both names and an incorrect address.

Additionally, FCRA 1681i ( a ) mandates that consumer reporting agencies conduct a reasonable reinvestigation when a consumer disputes information on their report. If the information can not be verified or is found to be inaccurate, it must be deleted or corrected. XXXX failure to conduct a proper investigation and correct these errors is in violation of this section of the FCRA.To support my dispute and prove the accuracy of my personal information, I am providing copies of my state ID and a recent bank statement, both of which reflect my correct name and current address. My dispute will include the inaccurate names and inaccurate address that needs to be removed off my consumer report.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This CFPB complaint has been filed to request according to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account ( s ) appearing on my consumer XXXX Equifax credit report which I do not recognize as reported and which result from identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX account opened at XXXX on XX/XX/XXXX under the account number XXXX. A Phone account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries result from identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws.
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. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

Experian is illegally reporting a collection account that has been previously deleted. The company is illegally allowing XXXX XXXX XXXX to report a collections account for an account with XXXX XXXX in the amount of {$950.00}. This account appears on my credit report and is negatively impacting my credit as well as my mental health. This account has been paid in full and previously deleted but has reappeared as a collection item.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with 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 60 days 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.

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 8
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 US.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 2024-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

i recently looked at a copy of my credit report and seen numerous inquiries on my credit report that I do not recognize or authorize please remove these unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-21
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: EQUIFAX, INC. (OH)

Company or Organization : XXXX  XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$2400.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$9900.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$18000.00} Fraudulent Information on Credit Reports Other Identity Theft Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent {$600.00}
Consumer complaint received 2017-10-17
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)

All 3 credit reporting are showing an involuntary repossession of a XXXX XXXX on my credit reports. What they do n't show is why. I had serious XXXX issues and could no longer drive or work to make the payments on the car.I lost the ability to XXXX. Had to go to a XXXX XXXX for almost two years and through XXXX XXXX for 14 months before i lost two XXXX in my XXXX XXXX. They just XXXX. I now have XXXX and XXXX and XXXX and XXXX holding me together. This can all be verified. I had to have XXXX XXXX in XXXX 2015 of which I am still recuperating. I would like to have this information added to my credit reports so future creditors would know the whole story
Consumer complaint received 2017-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

My name is XXXX and today I received a telephone call from ERC regarding a debt that they stated I owed from XXXX XXXX. ERC said that this debt was owed from 2013 in the amount of XXXX. The representative, XXXX XXXX, was very mean and angry and I am a XXXX year old man with medical problems. I have never received a letter from this company regarding this debt and the representative demanded my credit card or a check by phone. I gave my daughter, XXXX XXXX, permission to speak with them because I felt threatened and did n't understand what was going on. She requested a supervisor and the supervisor was XXXX XXXX ID # XXXX. The supervisor admitted that they had not mailed a copy of this debt to me. My daughter advised that the telephone number that they contacted me on ( XXXX ) was on the national DNC list and was owned by her and should never have been called. The supervisor apologized for breaking the law and said that he would never contact me again. I am very stressed and displeased with the way I was treated my ERC. I am XXXX years old and this is no way to treat a senior citizen.