davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (MI)

I am writing to formally dispute the accuracy of the late payment information reported on my credit profile for my account with [ Bridgecrest ], account number [ XXXX ]. I am requesting the removal of these late payments under the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). 

*Under 15 U.S. Code 1666b - Timing of payments : ( 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. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge *15 U.S. Code 1681b - Permissible purposes of consumer reports It has come to my attention that my credit report incorrectly reflects late payments for this open account. As per the FCRA, Section 605, a creditor is prohibited from reporting inaccurate information. Reporting late payments when they do not accurately represent my payment history is not only misleading but also illegal. 

I believe that the late payments reported do not accurately reflect my payment history due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time of which I did call and make several arrangements. Under the UCC, it is crucial that any reporting of account status is both accurate and truthful. Failing to adhere to these regulations can result in legal consequences for the reporting entity. 

I kindly request that you investigate this matter and remove the inaccurate late payment entries from my credit report. I am committed to maintaining this account in good standing and would like it to be updated to reflect a current status. 

Please find attached any supporting documentation that may assist in your investigation. I appreciate your prompt attention to this matter and look forward to your response confirming the removal of the late payments from my credit profile. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-13
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 US CODE 1681 A I did not provide permission for none of these items to be place on my report and it isjeopardizing my character as a consumer. In addition these accounts are also affecting me XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX,
Consumer complaint received 2020-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We had an account with XXXX and we purchased XXXX phones for our business then their employee XXXX came to our place of business " to help us with our new phones '' which she ended up stealing. ( see police report ) XXXX later admitted to us that their employee XXXX stole about XXXX phones from them and that she had a warrant for her arrest. XXXX knew their employee had a previous record yet they had her work with the public and steal our phones. 
Now they are trying for me to pay for them ( see police report ).
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (TN)

To somebody who can help me. I am deeply upset about the enormous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you found out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thank you for your help [ with this matter. 

DATES DISPUTE LETTER SENT : XX/XX/2022 XX/XX/2022 XX/XX/2022XX/XX/2022
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account does not belong to me nor do I have any acknowledgment of this account ever being opened. I was able to dispute it and get it removed from XXXX but cant seem to have it removed from Transunion. I will below take a screen shot of the dispute and removed account from XXXX.
Consumer complaint received 2024-10-15
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. (WA)

Using my personal information he had access to behind my back, former friend, XXXX XXXX XXXX, added me as an authorized user to his XXXX XXXX XXXX acct ( # XXXX XXXX XXXX XXXX ) without my consent and approval. 

He recently became late on his payments and I only became aware of the delinquency because I had a dramatic drop in my credit score caused by XXXX XXXX adding me as an authorized user to his acct without my knowledge. 

I explained all this to XXXX XXXX and they removed me as an authorized user but said they could do nothing to clear my credit report from this reported delinquency. Equifax said they could remove this entry if I filed this report with you, and that's why I am doing this now.
Consumer complaint received 2022-08-31
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. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected and deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$990.00}
Consumer complaint received 2020-03-05
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: EQUIFAX, INC. (GA)

There are several accounts reporting on my credit file that does not belong to me. Please assist me in getting these accounts removed from my credit file. 

Accounts reporting as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
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. (CA)

This is a complaint against XXXX XXXX. My problem started when I bought a house located at XXXX XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting XX/XX/XXXX. I don't know when someone used my name to open an account with XXXX XXXX without my consent. I contacted XXXX XXXX but they would not give me any information about the account. They say they don't have any information because the account was closed and they gave me the phone number for the XXXX XXXX XXXX department. When I called that number I asked them if they had any type of document signed by me confirming my identity or if they could verify any information about my ID that they may have on my profile. I asked them what the name and address on the ID is. I also asked them what places the card was used. They were unable to give me the information I requested and they would not help me confirm the identity of the card user. I am requesting that they remove this fraudulently opened account from XXXX, XXXX and experian. I am attaching a copy of the police report for identity theft, I am attaching my electric bill from XXXX which confirms my address at the time. XXXX XXXX ' collection department sends monthly unpaid reports to XXXX, XXXX XXXX, and Experian. I can't pay for something I never bought. I never signed for anything. It's a fraudulent account, no one wants to help me. I have tried to file complaints with Experian, XXXX, and XXXX XXXX, and they never want to help me. They always deny my complaint. I am asking for help. Please, this has to stop. My credit is ruined by criminals who used my identity. I will never apply for a loan or card.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I am writing to formally notify Experian of a violation of the Fair Credit Reporting Act ( FCRA ) concerning the handling of my personal information. 

Despite my previous communication on XX/XX/year>, informing you them that XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX is no longer my address, and provided my current address, Experian have continued to send my personal information to the outdated and now incorrect address. Furthermore, this address is not verifiable by the U.S. Postal Service ( USPS ).

Under Section 611 of the FCRA, Experian is required to ensure the accuracy of the information it handles and correct any inaccuracies when notified by consumers. By sending my sensitive information to an incorrect address, you have compromised my privacy and exposed me to potential identity theft and fraud. 

I demand that Experian immediately : 1. Cease sending any personal information to the incorrect address.

2. Update your records to reflect my current address : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. 
3. Provide written confirmation of these changes and any actions taken to prevent future occurrences.

If Experian fail to address this issue promptly this will result in my filing a formal complaint with the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I will seek further action to protect my rights under the FCRA.

Please respond to this letter within 30 days to confirm the corrective actions taken. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

My partner and I paid a {$4000.00} retainer to XXXX XXXX XXXX who promised to secure a loan modification with XXXX XXXX XXXX. We were told to not make any mortgage payments while the loan modification was being negotiated. XXXX XXXX XXXX told us to not communicate with XXXX XXXX XXXX, and that any written correspondence was to be forwarded to XXXX XXXX XXXX. We waited many months but never received a response to our application. Neither XXXX XXXX XXXX nor XXXX XXXX XXXX would return our calls, and we were left in limbo. During this time, the property came up for auction TWICE ; each time we were told to file XXXX XXXX bankruptcy. Eventually the COVID pandemic hit and caused delays and difficulty in reaching XXXX or XXXX, as well as making it difficult to reach appropriate government agencies to request assistance. During the COVID pandemic, my homestead became the target of a very disturbing tech-enabled real estate mobbing operation which has been disrupting my daily life and subjecting me to extreme forms of abuse  for the past three years. Several individuals participating in this real estate mobbing operation have attempted to claim ownership of my property. Many false claims have been made which is causing a great amount of confusion surrounding the status of my ownership and everything related to the servicing of my mortgage loan which has recently been transferred to a new servicer. Upon receipt of the new company 's Welcome letter, it was discovered that the loan documents contained the wrong name and possibly other inaccurate information. The loan is under the estate of my mother, XXXX XXXX XXXX. I was verified as a successor in interest, and authorized as a third-party on the account, but I never assumed the loan. The property has some business tax liens from my mother 's company that were supposed to have been removed from the tax rolls. At this time, we have received notice from a law firm in XXXX that the property is scheduled for foreclosure auction on XX/XX/2022. We do not know who is foreclosing on our homestead. The XXXX received a default judgement against me in the past year, and we were lied to by the XXXX 's attorney who promised us an out-of-court payment arrangement. I am an independent adult living with XXXX. I feel that my XXXX has been used to discriminate against or to take advantage of me. I have also been told that by not having a XXXX  or XXXX, that I am unfit to own my property in this community. Please help me save my family 's homestead.
Consumer complaint received 2024-10-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery Associates LLC has been trying to collect monies in the amount of XXXX that is claimed to be owed from a company that filed bankruptcy and closed back in XXXX. I had a credit card with XXXX years prior that had been settled with the company therefore I am not as to how or why Portfolio Recovery has for years now placed themselves on my credit as a creditor that is owed money from me which is incorrect. We are talking at the least 8-9 years ( XX/XX/XXXX ) that have time and time again reported this error in attempt to keep it open and have been disputed over and over. I have now more than 8 years later received an execution of garnishment from a company that I owe absolutely nothing too. How is this even possible? This company has harassed me for years about money that isnt even owed to them and Im tired of the harassment and fake information that has been provided about a creditor that they purchased information from many years ago.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (AR)

Supreme Lending is doing a refinance loan on my existing mortgage. Effective XX/XX/20 they terminated employment with my mortgage loan officer who was conducting this refinance. 

The primary reason I was doing this refinance loan was because of the trust and confidence I had in the Mortgage Loan Officer that I had chosen to do this refinance. Since the MLO is no longer employed with Supreme Lending I attempted to have my loan file pulled and reimbursed for the Appraisal Fee I was charged by the bank. 

The loan officer who is now in charge of this file called me today ( XX/XX/20 ) to inform me that we are so close to closing on the file that it would unreasonable to cancel the loan and that the Appraisal Charge of {$510.00} paid on XX/XX/20 would not be reimbursable ( Also found out today that the appraisal charge increased to {$580.00} ). Although they can cancel the loan, they will not be able to reimburse me for the appraisal charge. She also stated that she doubts any other banks would be able to accept the current appraisal. At this point, I could be out over {$1000.00} between canceling this loan and choosing to use another bank. 

- Supreme Lending is not reimbursing the appraisal charge as a tactic to strongarm me into closing a refinance loan with a person I originally did not choose to conduct business with. 

- Had I chosen to roll the appraisal charges into the loan, I would be able to cancel penalty-free. But because I specifically paid for the Appraisal upfront, it is being used as a predatory tactic to keep me from shopping with a new bank. 

- I should have the option to pull out of the loan penalty-free and am asking for my loan to be canceled and that I be reimbursed the {$510.00} I spent on the appraisal. 

Loan # XXXX
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I applied for credit with discover card XX/XX/2020 and was approved for {$750.00} credit limit. I received my card and start utilizing it. On XXXX XXXX I noticed a drastic change in my credit score because of issue with my credit card. So I called discover card services and was advised that they needed to verify additional information which was very vague and not specific in detail. Discover card advised me that I would receive email for verification and I received XXXX  docsign IRS 4506-t. At that point I was advised that a hold would be placed on my account. I made a payment on XXXX XXXX for the amount of {$640.00} as my payment is due on XXXX XXXX. I currently receive XXXX income and due to this reason I was discriminated against because of my XXXX income and discover card used my XXXX income against in extending credit to me. As a result my account was closed. My credit score dropped tremendously. When I can call or chat to get more information limited information was disclosed.
Consumer complaint received 2022-11-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

No open account associated with these inquirys and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. 

update my information and remove this incorrect data my name is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

status date as of XX/XX/2022 there has been recorded on my credit report from Hunter Warfield from XXXX XXXX XXXX and XXXX for {$570.00}. Balance was updated XXXX XXXX, 2022. I was not notified of this charge until after it was reported on my credit. This was from a my previous residence. I was told that they would have to keep my security deposit which was {$670.00}. When I departed from the home there was nothing wrong with it everything was intact with no damage. It may have needed painting due living there for 2.5-3 years.