davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
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)

I am filing this formal complaint against Experian for multiple violations of federal law related to the handling of fraudulent accounts on my credit report. Despite providing both a police report and an FTC Identity Theft Report, Experian has failed to remove the following fraudulent accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To support my claim, I have attached the following documentation, which I have previously submitted to other credit bureaus, resulting in the successful removal of these fraudulent accounts : Notarized Identity Affidavit FTC Identity Theft Criminal Complaint XXXX XXXXXXXXXXXX XXXX XXXX XXXX  Proof of Removal from other credit bureaus Additionally, I would like to bring to your attention that I am a victim of the XXXX Data Breach ( see attached proof ), which has further contributed to the misuse of my personal information.
Consumer complaint received 2024-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

15 Usc code S1681 section 602 A There is a need to ensure that consumer reporting agencies exercise the grave responsibilities with fairness impartiality and respect for consumer rights to privacy.

15 USC 1693 C Ceasing communication 15 USC 1681 section 2 15 USC 1681 Section 602 A Reporting information with actual knowledge or errors. A person shall not furnished any information relating to consumer reporting agency or has reasonable cause to believe the information is inaccurate. 
The following Account and Account Numbers. 
XXXX XXXX XXXX  Account number : XXXX in the amount of {$170.00}. 
XXXX. XXXX XXXX XXXX Account number XXXX {$420.00} XXXX XXXX XXXX Account number XXXX XXXX Debt paid in full XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX {$2100.00} XXXX Funding Account XXXX {$340.00} XXXXXXXX XXXX XXXX XXXX Number XXXX {$420.00} XXXX XXXX XXXX Account XXXX XXXX {$2300.00} XXXX. XXXX XXXX XXXX XXXX Account number : XXXX {$2300.00} Please removed these accounts off my credit report
Consumer complaint received 2021-02-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

I closed on my home XX/XX/XXXX. At that time my homeowners insurance was paid in full to XXXX XXXX XXXX XXXX. Co. for the year. So my mortgage payment for the year was {$2200.00}. In XXXX/XXXX I get a letter from Freedom Mortgage that my payment needed to increase to {$2400.00} due to lack of funds in escrow. Which seemed off to me at the time but ... The letter stated these payments needed to start in XXXX. So, I made my payment for XX/XX/XXXX in the amount of {$2500.00} to cover escrow and add a bit to principal. 
Late XXXX I get a letter from XXXX that my homeowners insurance was never paid by Freedom Mortgage Co.??? So of course I call Freedom Mortgage Co. and get a recording saying that my insurance is XXXX XXXX XXXX. Co and my payment is almost triple the price for an exorbitant amount of coverage. Come to find out that someone at Freedom Mortgage Co. applied the wrong insurance company with a wrong amount to an account that was paid up for the entire year! How does that even happen? So, I finally get someone to actually speak with and tell them they have the wrong info and it needs to be paid immediately. The payment to my insurance company was made. Ok so that leaves us with the overpayment of funds. So payments as follows, which should have occurred! 
XXXX XXXX payment of {$2500.00} was made, my payment was supposed to be {$2200.00} Which would leave {$230.00} To go towards principal. 
XX/XX/XXXX Payment of {$2500.00} was made, my payment was supposed to be {$2200.00} Which would leave {$230.00} to go towards principal I have made 3 addition phone calls to Freedom mortgage and they can't seem to figure it out. I made them do an escrow evaluation and they came back with {$2200.00} for XXXX. So I paid {$2500.00} for XXXX which leaves {$230.00} going toward principal. Thats a total of {$700.00} Which should have been applied to the principal on my loan? Which also would effect the interest amount applied. I have tried communicating this to Freedom Mortgage Co. and seem to get nowhere!!!! I am awaiting a phone response since XX/XX/XXXX and have not heard one thing! I need this taken care of ASAP. 
Thank you, XXXX XXXX
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I recently disputed this information several times with XXXX  and the Auto Lender. XXXX  will put only what the creditor tells them and this needs to stop! Thanks to your website the late payment was disputed and resolved. 25 of the 30 pts taken on my credit score were given back due to the lender admitting that I should have never been marked late. Somehow this late payment is showing up once again on my credit report. It's not that XXXX  didn't know this. They were in the complaint I made with you and the Auto lender so why have they gone back and changed my credit score again??? I am so sick of this! This makes no sense! I submitted this complaint on XX/XX/2021 COMPLAINT ID XXXX You will see this matter was resolved and now the Credit Bureau is saying they don't have to deal with duplicate disputes and they went back and changed the information even though I had a letter in writing stating they should never have marked it late.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumerXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (TN)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX MO XXXX ) XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (MI)

Dear CFPB, I'm writing to dispute National Credit Adjusters LLC 's unlawful collection

practices and request an investigation into their violations of federal law.

Violations : 1. 12 CFR 1006.34 ( b ) ( 5 ) : No validation information provided.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : No opportunity to dispute account.

3. 15 USC 1681s-2 ( 7 ) ( A ) : Furnished information without required disclosures.

4. 12 CFR 1006.34 ( d ) : False, misleading and deceptive practices.

Revocation of Communication Rights : Pursuant to 15 USC 1692c ( c ), I revoke National Credit Adjusters LLC 's rights to communicate with me through : Phone calls Text messages Mail Email
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX Balance : {$13000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX Balance : {$940.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX  XXXX XXXX Balance : {$1900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$720.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$1400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$2400.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Consumer complaint received 2024-10-18
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. (OH)

Ask all 3 credit companies to send proof that I had signed on as a cosigner. I dissaggreed with terms and didnt not sign any paperwork. Was told he didnt need me to cosign. 3 month later im getting called about this loan. XXXX is not providing me with a copy of signed agreement. ( Because there was none ) The dealership and loan company scammed me. Trying to fix with credit unions before talking to lawyer.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2021-07-03
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. (PA)

Hello my Name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-02-14
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One charged me an annual fee of {$59.00} on my XX/XX/2020 statement. They had my current mailing address, but they never mailed me the statement. Capital One subsequently charged late payment fees of {$25.00} in XX/XX/2020 and {$38.00} in XX/XX/2020 ( plus interest ). It wasn't aware of the annual fee or subsequent penalty fees until there was a delinquent payment indicator on my Credit Report. 

I contacted Capital One by phone on XX/XX/2020. I was informed that Capital One didn't mail me any statements because I opted out of paper statements in favor of electronic statements. This was impossible, because Capital One didn't have a correct e-mail address or a correct phone number on file. I updated that information during the call on XX/XX/2020, and I paid the balance due in full. However, the customer service representatives declined to remove the late payment penalties even though there was no way for me to have known ahead of time that I owed an annual fee during the month of XX/XX/2020.
Consumer complaint received 2024-09-02
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. (FL)

XXXX XXXX XXXX Account # XXXX I hope this letter finds you well. I am writing to respectfully request a XXXX  adjustment to my credit report concerning a few late payments on my account XXXX, which has been paid off and closed. 

I have been a valued customer of XXXX for XXXX  years and have always aimed to maintain a strong payment history. Unfortunately, due to financial hardship, I experienced temporary difficulties which led to the late payments on this account. 

Since then, I have made every effort to rectify the situation and ensure that all my financial obligations are met in a timely manner. I am pleased to confirm that this account is now fully paid and closed, and I have taken steps to avoid similar issues in the future. 

Given my overall positive payment history and the fact that the account is now settled, I kindly request that you consider removing the late payment records from my credit file as a gesture of XXXX. I believe this adjustment will better reflect my commitment to responsible credit management.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NY)

I have an opt-out suppression on file with LexisNexis as well as a security freeze. I have been trying to complete a data deletion request with a third party data broker called XXXX, which uses LexisNexis for identity verification. Upon receiving an error message when trying to contact LexisNexis, I obtained a copy of my consumer report and verified that the information is correct. I then contacted both XXXX and LexisNexis regarding the issue. Since it is due to the identity verification, the error is occurring on the end of LexisNexis and not XXXX. After contacting LexisNexis, I lifted my optout suppression ( I opted in ) and temporarily lifted my security freeze. I gave the computer systems ample time to update, but I still obtain errors in identity verification through LexisNexis. I tried to rectify the situation with LexisNexis, but the " XXXX XXXX  '' privacy management email eventually stopped responding. Moreover, the representative at XXXX reached out to their internal contact at LexisNexis and did not hear back after weeks. I have spoken to LexisNexis on the phone multiple times and they just say to lift the security freeze, opt-in, and wait, which I have done multiple times. 

XXXX does not use manual verification, so LexisNexis can not punt the ball to the other company as the identity verification is the responsibility of LexisNexis. XXXX did indicate that they MAY do a conference call to verify identity.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I've been attempting to contact the appropriate channels about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

XXXX, XXXX XXXX & Equifax are reporting late payments on the account listed as XXXX XXXX  Account # XXXX these late payments are affecting my credit score and they have not been validated as accurate and credit card payments can not be treated as late payments. XXXX is reporting late payments XX/XX/XXXX and XX/XX/XXXX. XXXX lists late payments XX/XX/XXXX and XX/XX/XXXX. Equifax XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX these payments do not match up so this account has not been validated. 

( 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.
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (VA)

Continue to report inaccurate information on consumer report, Continue to violate my rights as the consumer! Continue to report Unverified detrimental information to my consumer report, Violation of the FCRA
Consumer complaint received 2024-09-01
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. (NC)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of the receipt. 
I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TATICS FROM EQUIFAX.
Consumer complaint received 2024-10-18
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666b- ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.