davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am filing this complaint against TransUnion, XXXX, and XXXX for reporting incorrect information on my consumer report. The only employment information that should be reflected on my report is my employment with XXXX XXXX and The XXXX XXXX. Any other information that appears on my report is inaccurate and must be immediately deleted. 

Legal Basis : 1. Michigan Consumer Protection Act ( MCPA ), MCL XXXX et seq. 

Under the Michigan Consumer Protection Act ( MCL XXXX ), it is prohibited to : ( XXXX ) Fail to reveal a material fact, the omission of which tends to mislead or deceive the consumer, and which fact could not reasonably be known by the consumer. 

By reporting incorrect information on my consumer report TransUnion, XXXX, and XXXX are misleading and deceiving both consumers and third parties regarding my creditworthiness and personal information. 

2. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

The Fair Credit Reporting Act mandates the accuracy of consumer reports and sets forth the rights of consumers to dispute and correct inaccurate information. Relevant sections include : XXXX XXXX. XXXX ( a ) This section requires consumer reporting agencies to investigate disputed information in a consumers file. I have disputed the information on my consumer report, and the agencies have failed to correct or delete the incorrect entries. 
XXXX XXXX. XXXX ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. By including erroneous details on my report TransUnion, XXXX, and XXXX have violated this section. 

3. Michigan Collection Practices Act ( MCPA ), MCL XXXX et seq. 

Under the Michigan Collection Practices Act, it is unlawful to provide inaccurate or misleading information to a credit reporting agency : MCL XXXX ( XXXX ) Prohibits a person from furnishing false or misleading information concerning the creditworthiness, credit standing, or credit capacity of a consumer to a credit reporting agency. 

4. Federal Trade Commission Act ( FTC Act ), XXXX XXXX. XXXX ( a ) The Federal Trade Commission Act prohibits unfair or deceptive acts or practices in or affecting commerce. Reporting incorrect information on my consumer report constitutes an unfair and deceptive practice under this act.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MI)

I am filing this complaint against XXXX, LexisNexis, and XXXX XXXX Auto for reporting incorrect information on my consumer report. The only employment information that should be reflected on my report is my employment with XXXX XXXX and The XXXX XXXX. Any other information that appears on my report is inaccurate and must be immediately deleted.

Legal Basis : 1. Michigan Consumer Protection Act ( MCPA ), MCL 445.901 et seq.

Under the Michigan Consumer Protection Act ( MCL 445.903 ), it is prohibited to : ( s ) Fail to reveal a material fact, the omission of which tends to mislead or deceive the consumer, and which fact could not reasonably be known by the consumer.

By reporting incorrect information on my consumer report, Innovis, LexisNexis, and XXXX XXXX XXXX are misleading and deceiving both consumers and third parties regarding my creditworthiness and personal information.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The Fair Credit Reporting Act mandates the accuracy of consumer reports and sets forth the rights of consumers to dispute and correct inaccurate information. Relevant sections include : 15 U.S.C.
1681i ( a ) This section requires consumer reporting agencies to investigate disputed information in a consumers file. I have disputed the information on my consumer report, and the agencies have failed to correct or delete the incorrect entries.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. By including erroneous details on my report, XXXX, LexisNexis, and XXXX . Auto have violated this section.

3. Michigan Collection Practices Act ( MCPA ), MCL 339.901 et seq.

Under the Michigan Collection Practices Act, it is unlawful to provide inaccurate or misleading information to a credit reporting agency : MCL 339.915 ( e ) Prohibits a person from furnishing false or misleading information concerning the creditworthiness, credit standing, or credit capacity of a consumer to a credit reporting agency.

4. Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) The Federal Trade Commission Act prohibits unfair or deceptive acts or practices in or affecting commerce. Reporting incorrect information on my consumer report constitutes an unfair and deceptive practice under this act.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I am submitting this complaint against XXXX, XXXX, and Equifax for inaccurately reporting late payments on my credit report for the accounts listed as XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX. These reports are inaccurate and should be corrected, either by removing the late payments or updating the accounts as Paid as Agreed. 

Legal Basis : XXXX. Michigan Consumer Protection Act ( MCPA ), MCL 445.901 et seq.

Under the Michigan Consumer Protection Act ( MCL 445.903 ), the following unfair, unconscionable, or deceptive practices are prohibited : ( c ) Falsely representing that the consumer transaction involves consumer rights, remedies, or obligations. 

In this case, the credit reporting agencies are falsely representing my obligations by incorrectly reporting these late payments, damaging my credit history. 
2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The FCRA establishes the legal framework for credit reporting accuracy and consumer rights regarding disputing inaccurate information. Relevant sections include : 15 U.S.C. 1681i ( a ) This section requires credit reporting agencies to investigate disputes regarding the accuracy of information in a consumers file. I have disputed these inaccuracies with the credit reporting agencies, but they failed to correct the information.

15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX, XXXX, and Equifax failed to do so by reporting inaccurate late payments. 

XXXX. Michigan Collection Practices Act ( MCPA ), MCL 339.901 et seq.

The MCPA prohibits unfair and misleading collection activities, including making or threatening to make an inaccurate report to a credit bureau : MCL 339.915 ( e ) Prohibits making an inaccurate credit report on a consumers credit worthiness.

4. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Although the FDCPA applies more directly to debt collectors, the credit reporting of false information can be considered an unfair collection practice under certain circumstances.
Consumer complaint received 2024-09-23
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. (AR)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2015-06-14
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MN)

I am trying to purchase a home in XXXX MN. The lender approved us for a loan. We have done all of the standard things to get ready to close including scheduling XXXX closing dates that have been cancelled because the mortgage company will not give us a clear to close. When we get real close to the closing date the lender needs more unneccesary paperwork, ie: another paytub or another printout of account details from a stock. The sellers (and us the buyers) are becoming anxious about the transaction and I fear they will move on to the next offer even though we have done all we can from a buyers perspective.
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: Experian Information Solutions Inc. (TX)

Subject : Dispute Regarding Inaccurate Reporting of Closed Account Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of an auto finance account on my credit report. For over a year, I have been attempting to synchronize and correct the records across all three major credit bureaus. Specifically, the account in question is with XXXX  XXXX XXXX and is listed under the account name charge card. 
Despite my numerous credit disputes, EXPERIAN persistently reports this account as open and claims it has been verified. This account was, in fact, closed, and I have provided the necessary discharge documentation from my XXXX  XXXX bankruptcy as evidence. Unfortunately, my evidence has been consistently ignored, and the account status remains incorrect. 
I am seeking your assistance to rectify this situation and ensure that my credit report accurately reflects the closed status of this account. Your prompt attention to this matter would be greatly appreciated, as it is crucial for maintaining the integrity of my credit history. 

Thank you for your time and assistance.
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP (CT)

I applied for XXXX XXXX XXXX on XX/XX/year> and got denied. This was told to me by the dealership XXXX  manager XXXX XXXX at XXXX XXXX. Regardless of the reasons for being denied, I have the right to credit. Withholding my access to my securities is security fraud. You're violating the " Equal Credit Opportunity Act '' and the " Consumer Credit Protection Act ''. Since you are denying me my credit please retract my application. 

Thank you XXXX XXXX XXXX XXXX  XXXX in fact for the all cap 's name.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
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. (GA)

The following inquiries need to be deleted. 
I included my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Dear Sir or Madam : I am writing to dispute a fraudulent account. The account are XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX XXXX, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ) FCRA 605B ( 15 U.S.C. 1681c-2 ) .I have the police report and the FTC REPORT 605B letter
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (NC)

I called Santander Consumer USA XX/XX/2023 and previously also in XXXX of 2023 to get a letter of deletion to get their account off of my credit report. I settled the account with them already and I would like it removed. Each time I called, the representative stated they dont do courtesy deletions or send letters of deletion. I was under the impression that whenever I settled the account with them, that I could get it removed from my credit report. I will also be reporting them to my state attorney general 's office to see if I can get it deleted.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX Opened XX/XX/XXXX, Bal {$4200.00} XXXX XXXX opened XX/XX/XXXX, XXXX. {$1200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX. {$2200.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX. {$1500.00} XXXX XXXX XXXX opened XX/XX/XXXX, XXXX. {$1600.00} XXXX XXXX opened XX/XX/XXXX, XXXX. XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints ( XXXX and XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-19
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (DE)

I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/2024. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX XXXX SOLD TO LVNV FUNDING. THIS ACCOUNT IS FRAUD AND NOT VALID. I HAVE NEVER DID ANY BUSINESS OR APPLIED FOR A XXXX XXXX CARD IN MY LIFE. IVE ASKED THIS COMPANY LVNV TO PROVIDE ME WITH A ORIGINAL CONTRACT WITH MY SIGNATURE WITH XXXX  XXXX, NO RESPONSE. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (FL)

In late XXXX, I contracted XXXX and was out of work, I had a loan with affirm and on their website it states if youre having issues with hardship such as XXXX or a natural disaster they would delay payments and not penalize you but Affirm did not do that. Not only was and still is hard to get in touch with a live person but they reported me late and have basically told the credit bureau its accurate. Ive pleaded with them while I was going through recovering from XXXX and its almost as if they do not have a XXXX or any sort of compassion for humans. I found this on their website, however, it was never offered to me, they just wanted their money. 

Coronavirus payment assistance We want to help relieve the financial difficulties you XXXX be having as a result of the coronavirus. With payment assistance, we give you more time to pay your existing loan balance. That means you won't pay more for your loan : theres 's no increase in the interest you pay, and there are no fees of any kind.
Consumer complaint received 2022-10-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2024-10-15
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. (PA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-14
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. (NC)

I am writing to formally dispute the inclusion of a fraudulent account on my credit report. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following information. This account was opened fraudulently and does not belong to me. I have not authorized this account, nor have I ever had any dealings with this creditor. To support my claim, I have enclosed a copy of an Identity Theft Report that I filed with the Federal Trade Commission ( FTC ) [ or a police report ], which verifies that I am a victim of identity theft. Under Section 605B of the FCRA, you are required to block the reporting of this fraudulent information from my credit file within four business days of receiving this notice. I expect you to fulfill this legal obligation promptly and to notify me once the account has been removed.
Consumer complaint received 2015-10-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (VA)

On XXXX/XXXX/2015 I disputed XXXX XXXX XXXX XXXX on my Equifax credit report using the online dispute system. I received notice that that information was " Verified ''. On XXXX/XXXX/15 I sent Equifax a request for method of verification as authorized by FCRA 611 ( a ) ( 7 ). ( attached Doc # XXXX ) This request was delivered to Equifax on XXXX/XXXX/2015 ( Attached Doc. # XXXX ). The Fair Credit Reporting Act requires this method of verification be provided no later than XXXX days after receipt of the request. Equifax has failed to provide me with the requested method of verification and therefore is in violation of the FCRA and my rights therein.