davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 2024-08-12
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: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX Dear Sir or Madam, I am writing to formally lodge a complaint against XXXX XXXX and XXXX XXXX XXXX, regarding their handling of two disputed accounts on my credit report : a {$10000.00} account with XXXX XXXX and a {$430.00} account with XXXX XXXX XXXX. Despite disputing these accounts for over three months, I have received no resolution or proof of my connection to these accounts. The companies have failed to provide any documentation, including signatures or any other evidence, linking me to these debts. I believe that these actions are a violation of my consumer rights under the Fair Credit Reporting Act, which requires that creditors provide verifiable evidence of a debt before continuing collection efforts or reporting the debt to credit bureaus. The refusal to provide such evidence is causing undue stress and potential harm to my credit score. I respectfully request that the CFPB investigate this matter and ensure that XXXX XXXX and XXXX XXXX XXXX comply with all legal requirements. Additionally, I ask that these disputed accounts be removed from my credit report until verifiable evidence is provided. Enclosed are copies of my previous correspondence with XXXX XXXX and XXXX XXXX XXXX, as well as any responses received. I hope this information aids in the prompt resolution of this matter. Thank you for your attention to this issue. Please feel free to contact me at the phone number or email address listed above if further information is required. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

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

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date XXXX, XXXX. I'm now requesting you investigate this account and updates this payment to be paid on time immediately. Thank you for understanding and prompt actions.
Consumer complaint received 2020-06-17
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYFILED XXXX XXXX {$18000.00} XXXX XXXX {$3000.00}
Consumer complaint received 2024-08-07
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. (HI)

This letter is a request of the steps that your company took when investigating the disputed item. 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. 

XX/XX/XXXXXXXX-
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I was utterly stunned and disheartened this morning when I discovered inaccurate accounts on my credit report. I regularly check my report, but today, there were discrepancies that appeared out of nowhere. I tried refreshing my browser, hoping it was just a glitch, but no luckthe inaccuracies remained. I urgently need the documents Ive sent to be reviewed thoroughly so I can have peace of mind.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) a court order. d ) employment. I recently pulled a copy of my credit report and noticed inquires that I did not authorize and do not fit A, B, C, or D above. I also sent an FTC report 30 days ago. Remove the following inquiries : XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX EXPERIAN, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX EXPERIAN, XXXX XXXX XX/XX/XXXX XXXX,
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-07
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)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I noticed unauthorized inquiries on my credit report today, and I dont understand why. I regularly check my credit report, but this time there were unexpected issues. Refreshing my browser didnt solve the problem, so I urge you to thoroughly review the documents I've sent to resolve this matter promptly.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC (NC)

As of XX/XX/2023 i notice when Credit plus XXXX as known as xactus pulled my report they have accounts that isnt showing on my actual report anymore which is considered a violation of bein unfair of reporting falsley information and inaccuracy... however the accounts that they have showing is showing late payments and that is inaccurate fasley information which is a violation under the fcra act.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GATEWAY FIRST BANK (TX)

The payment due on XXXX XXXX, which is automatically deducted out of my checking account was reversed due to insufficient funds unbeknownst to me. On XX/XX/year>, a replacement payment was automatically deducted from my checking account at the XXXX  days past due mark. A subsequent payment to bring the account current was made on XX/XX/year> once I had been made aware of the infraction. However, Gateway Mortgage still erroneously reported the XXXX payment over 30 days past due.
Consumer complaint received 2024-08-12
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. (TX)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  ) : ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-08-10
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. (TX)

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. 

Account Name : XXXXXXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$6500.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX : Account Number XXXX XXXX : Balance : {$240.00} Account Name : XXXX : Account Number : XXXX : Balance : {$630.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1800.00} Account Name : XXXX XXXX : Account Number:XXXX  : Balance : {$1200.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is very concerning what XXXX finance does. I call every day to make sure this doesnt happen and they tell me to send an email and take days and days to respond. 

I was on XXXX forbearance with XXXX lending and during this whole time XXXX protect me with the cares act of reporting XXXX XXXX and XXXX XXXX as delinquent on their mortgage. 

XXXX transfer me to XXXX in XXXX before doing the loss mitigation after coming out of XXXX forbearance. The cares act protect us from lender reporting us delinquent and XXXX knew this look at the letter attached. 

XXXX said they will do the deferment but didnt mentioned that we will have XXXX on escrow shortage that it was going to ballooned the payments. My first payment was due on XXXX - The supervisor told me to send a hardship application and we sent as the attachment shows. She also said during this process ( loss mitigation ) there is no negative reporting on credit bureau because its all originated from my XXXX forbearance. I asked her for a letter and she said all their calls are recorded. 

I sent my hardship application on XX/XX/XXXX. Before my first payment ( they said they take 30 days ) and still nothing but went ahead to report me today as default. 

They told me to send a letter to customer service to make sure they dont report me as the supervisor recommended because it protects me cares act and I did as the attachment shows and still no response.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These accounts are reporting late as reported in my XXXX Credit bureaus. These accounts should not be showing the current status of XXXX and 60 days late since its already been paid for. It seems impossible to accrue late on an accounts that hae already been paid. Please report the payment status positive and update all late from reporting on these accounts. XXXX XXXXXXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-08-07
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. (AL)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I sent an identity dispute letter to XXXX via certified mail with XXXX forms of identification on XX/XX/XXXX to remove the inaccurate, outdated personal information from my credit report and never received a response. 

Also, I sent Equifax a verification dispute letter on XX/XX/year>. On XX/XX/year> I sent a 30 days no response letter, with each letter being sent certified mail with a return receipt, and same issue, there was no response from Equifax and I never received the return receipt that was sent was the letter sent on XX/XX/XXXX.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

I received a call on XX/XX/2023 from comenity bank stating that I have not paid my bill for two months which is inaccurate. I did not receive any information regarding what account as I have multiple credit cards under comenity bank and believe I have paid them all off. When I finally discover that the problem is regarding my childrens place credit card I log into my account and see that all my outstanding transactions are paid off but I am being charged a late fee on top of a late fee that I did not know I had plus interest on those late fees. I did know I had these fees since I am not receiving any paper or electronic statements. So my outstanding balance is purely late fees and interest accumulated which is entirely unfair as I had been charged the late fee. When I paid my last outstanding balance the payment was posted the next day however the late fee was charged on XX/XX/2023 which is when my monthly payments are due, how can a late fee be charged the same day my payment is due. I spoke to a customer service representative who said my payment due date is the XXXX of every month so why was I charged the late fee before the end of the day. Either way when I made my payment the late fee was not applied to my payment due so of course I paid the exact total of my outstanding balance.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  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 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX and XXXXXXXX XXXX XXXX have already deleted and removed from My credit reports as the accounts do not belong to me. Transunion has refused to remove them even when provided with accurate information along with multiple other accounts theyve been asked to correct. Attached are XXXX  results for the files thats Transunion fefuses to look at
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

XXXX XXXX Email : XXXX Phone : XXXX Date : XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Representative XXXX Subject : Verification of Identity and Resolution of Third-Party Access Issue I am writing to provide the necessary documents for verifying my identity and to address a concern regarding third-party access to my online consumer report. 

Enclosed, you will find copies of the following documents : State-issued driver 's license Social Security card Recent utility bill I kindly request that you review these documents and take appropriate action to resolve the issue of third-party access to my online consumer report. 
while It is important to me that my personal information is protected, I appreciate your prompt attention to this matter. 

If you require any additional information or have further questions, please do not hesitate to contact me at XXXX or via phone at XXXX. 

Thank you for your assistance. 

Sincerely, XXXX XXXX