davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-24
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)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

I contacted AmeriSave Mortgage only to get information on their fees and current interest rates. I specifically stated to them that I was not ready to initiate an application until I had further information. I then received an email ( shortly after telling their representative online that I would not be interested because their discount points were higher than I was willing to pay ) that I have copied below stating my application was created. I don't want my credit to be dinged because of numerous " applications '' when I am only in the information gathering phase of looking for a mortgage at this point. 

AmeriSave Mortgage Corporation XXXX Wed XX/XX/2021 XXXX XXXX  Your new application has been created. 

Access your mortgage application by clicking on the following secured link : https : //www.amerisave.com/login/ If you can not login, please use the Forgot Password link to reset your password. 

AmeriSave Mortgage Corporation XXXX  ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX www.amerisave.com XXXX
Consumer complaint received 2024-08-23
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. (AZ)

On XX/XX/XXXX I filed a dispute with Experian when the account that was paid and closed updated on the other bureaus and did not on Experian. The account was paid and closed in XX/XX/year>. On XX/XX/year> they declined to amend the information on my report even with the letter from the company who the debt was owed. I resubmitted the dispute XX/XX/XXXX and they have also declined this dispute. This is not accurate and is directly affecting my debt to income ratio and my progress in purchasing a home.
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CT)

There are 3 people on the loan ( XXXX, XXXX, and XXXX  XXXX. My sister XXXX XXXX XXXX started to make payments for us in XX/XX/XXXX due to financial difficulties. 

We applied for the forbearance program back in XX/XX/XXXX due to COVID. XXXX  lived in a different state and when she came home and noticed that the payments were not being applied as requested, we requested the forbearance program again about XX/XX/XXXX. We received confirmation that forbearance program began XX/XX/XXXX. 

We paid {$13000.00} during fiscal year XXXX and the amount due including principal and interest for the fiscal year is {$14000.00} - note that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was not due, due to the forbearance which amounts to {$3700.00}. 

We filed a complaint previously w/the CFPB previously and M & T noted that XXXX is not an authorized 3rd party when she is a loan holder and CFPB closed the case. We called M & T mortgage and they said the person reviewing the file had to go to a second screen. It is very frustrating. 

To give credit, after the complaint was filed M & T did apply some of the payments towards the principal but now have a {$74000.00} payment unpaid for XXXX. I'm not sure how this was done but now our credit score is negatively impacted even though the forbearance program is not supposed to have any negative impact on your credit. 

I have been on the call w/M & T mortgage for literally XXXX to discuss this just today alone which ended up either in a disconnect or a hang up. CFPB was not that much helpful when I called after my frustration that I am in fact on the loan and their response that I am not an authorized 3rd party is XXXX - excuse my language.
Consumer complaint received 2024-08-23
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. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationXXXX. Please delete the following accounts. US DEPT ED- XXXX XXXX XXXX- XX/XX/XXXX Balance {$1000.00} XXXX U S DEPT OF EDXXXXXXXX XX/XX/XXXX Balance. $ XXXX XXXX XX/XX/XXXX Balance $ XXXX XXXX  XXXX. {$270.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX Balance. {$650.00} << XXXX XX/XX/XXXX XXXX. {$1200.00} XXXX XXXX XX/XX/XXXX XXXX. {$1000.00} XXXX XXXX XXXX XX/XX/XXXX Balance. {$12000.00} XXXX XXXX- XX/XX/XXXX XXXX. {$720.00} XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I contacted XXXX and Experian about this XXXX account # XXXX that show XXXX balances but, reporting charge off and they told me that, this information was verified as accurate. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ) ( 7 ), I am entitled to a description of the procedure used to determine the accuracy and completeness of the disputed information.

They deliberately refused for the past 7 months to show or provide Details of the evidence and documentation they used to substantiate the reported information.
Consumer complaint received 2023-04-27
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. (CA)

Dear Credit Bureau Equifax I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

On XX/XX/XXXX ( Receipt included ) a Dispute Form including all accounts resulted from Identity Theft, Identity Theft and Police Report were mailed. Accounts in dispute were listed on original Dispute and Evidence Request per section 609. This envelope was certified mail and required signature. Records show it was received by your office. 

As proof of my identity, drivers license, cell phone bill, and Social Security had been attached. 

You were unable to verify the accounts with the original contract, the information should be removed from my credit report within 10 days of receipt of this Complaint. 

Sincerely, XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SS : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2024-08-20
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)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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.

has violated my rights. Or list of inquiries 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 2023-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (FL)

In XX/XX/XXXX, I received a {$1500.00} loan through XXXX XXXX and got spammed with a lot of other offers after I completed this process. I accepted a second {$1500.00} loan through NetCredit ( appears as Enova NetCrColl in my bank statement and their mailing address indicates that they are called XXXXXXXX XXXX  XXXX XXXX XXXX ) and though I have been making timely minimum payments, I have a balance of {$1200.00} with NetCredit whereas with XXXX XXXX I've been making timely minimum payments and will pay my last payment on XX/XX/XXXX of $ XXXX. 

As I look at my statement, I've been charged {$1100.00} in fees for the " statement balance fees '' which seems grossly disproportionate to the loan, so I am intending to pay it all off in the next month or XXXX, but I did want to report them here to prevent them from taking advantage of others. 

Thank you for your time.
Consumer complaint received 2021-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/20 ), I sent a letter regarding inaccurate and unknown accounts on my credit report. To this day, it has been over 45 days later, and I have not received a response yet. I feel like I am being taken advantage of, and my disputes are being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately. It has been well over that timeframe, so these misleading should be deleted promptly. 

I've sent out a second attempt to have the items removed ; if there are no responses again, I will move forward to file litigation due to the stress it has caused me. I have also discovered that I am a victim of the XXXX  data breach, which impacted my information ; I am deeply concerned with my personal information having likely got into the wrong persons ' hands.
Consumer complaint received 2024-07-24
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. (TN)

XXXX XXXX is reporting on my credit report I don't owe them. I sent both companies Cease and desist letter but Experian keep saying that it's verified or updated each month an now it's showing in collections. XXXX nor XXXX has this information my credit report should be the same across all three reporting agency Experian should delete this
Consumer complaint received 2024-07-24
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. (IL)

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. Account Information : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX I believe that this charge off account is inaccurate because XXXX. The high balance reported by XXXX is {$1200.00}, while Experian reports {$0.00}, and XXXX reports {$1200.00}. 2. The date of last verification is XX/XX/XXXX in XXXX, but it is not reported in Experian or XXXX. 3. The date of last activity is reported as XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. 4. The date reported is XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. 5. The date opened is XX/XX/XXXX according to XXXX, but it is XX/XX/XXXX according to both Experian and XXXX. 6. The balance owed is {$540.00} across all three bureaus, but the closed date is only reported by XXXX as XX/XX/XXXX and not reported by Experian or XXXX. 7. The account rating is reported as " Derogatory '' by all three bureaus. 8. The account description is reported as " Individual '' by all three bureaus. 9. The dispute status is reported as " Account not disputed '' by all three bureaus. 10. The creditor remarks in XXXX indicate that the account was charged off as bad debt and canceled by the credit grantor, while Experian states that the account was closed due to inactivity with the unpaid balance reported as a loss by the credit grantor, and XXXX states that the account was charged off and closed by the credit grantor. 11. The payment amount is reported as {$0.00} by all three bureaus. 12. The last payment date is reported as XX/XX/XXXX by both XXXX and Experian, but as XX/XX/XXXX by XXXX. 13. The past due amount is {$540.00} across all three bureaus. 14. The credit limit is reported as {$1000.00} by both XXXX and Experian, but {$0.00} by XXXX. I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information. Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days, as required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL 6XXXX XX/XX/XXXX
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NY)

I am aware that according to article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with I.C. SYSTEM, INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 
As of XXXX XX/XX/2024 I have not received any documentary evidence such as a trilateral contract giving I.C. SYSTEM, INC any right to collect on this alleged debt. I have never received any documentation requesting validation from I.C. SYSTEM, INC before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking.

If I.C. SYSTEM, INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them.

If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud.

Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f.

Your prompt attention and response are both requested and required.
Consumer complaint received 2024-07-24
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. (KY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-24
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. (NC)

I am writing to dispute a collection account reported on my consumer report. The account is currently listed by XXXX XXXX XXXX XXXX. 
I dispute the validity of this collection for the following reason : Lack of Authorization to Collect in XXXX XXXX : According to the XXXX XXXX Department of Justice, debt XXXX must be licensed by the state to collect debts from XXXX XXXX residents. We have been unable to locate a valid XXXX XXXX debt collection license for XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inacurrate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.