davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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. (FL)

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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-10
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian 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. These fraudulent, inaccurate, and false information consists of a accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 Complaint XXXX as proof from the US 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 2024-09-10
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. (MD)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 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. XXXX XXXX XXXXXXXX XXXX XXXX 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! Delete the late payments from my consumer reports
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc. (MO)

XXXX  XX/XX/XXXX i cashed my paper check using cash apps mobile check deposit. i was told that my funds would be available in 5-6 business days, and instead of my funds being released i am being given the run around and being told now that " it takes 5-6 business days before we look at your check, and then once its approved it will come onto your card in 4-8 business days. i cant afford to wait 13 days to get my money. i want my paycheck and i want it now. i feel like they stole my money to pay the class action lawsuit thats currently against them.
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

Back in XXXX of XXXX  I have reported a lost/stolen card and fraud activities on my HSBC credit card with HSBC. Even though I provided them all the proof that at the time of fraud activities I was not physically present in the country. I was out of country the whole time my card was used. HSBC have denied my claim. I refused to pay for something which I did not authorized. This is my Right not to pay if I did not make purchases. Now HSBC have sent the whole amount to collection and the collection company name is XXXX XXXX, they are keep sending me emails, non stop phone calls. 

I am attaching my proofs again.
Consumer complaint received 2024-09-10
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. (PA)

I XXXX XXXX viewed my credit report and noticed several accounts, addresses and names that remain reporting in my account inaccurate. This is the THIRD TIME REPORTING THIS COMPLAINT. I URGENTLY ASK YOU TO REMOVE THESES INACCURATE INFORMATION FROM MY REPORT. I AM A VICTIM OF IDENTITY THEFT. PLEASE SEE THE ENCLOSED DOCUMENTS I PROVIDED IN THE REPORT. This is very frustrating. All documents have been presented proof of Drivers license, social security and theft affidavit but the accounts continue to be on my report. I need these items removed as soon as possible as theses accounts is making it hard to take care of my financial responsibilities. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help in this matter
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I hope this message finds you well. I am writing to express my concerns regarding The XXXX XXXX XXXX and XXXX XXXX automotive inquiries Despite my previous communications on this matter, I have not received an adequate resolution. 

I request that you review this situation and provide a response at your earliest convenience, as it is important to me that this issue is resolved promptly. 
According to the law XXXX XXXX these inaccurate inquiries must be removed from my credit report Thank you for your attention to this matter.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX, 2024, I requested Experian to remove incorrect phone numbers, mailing addresses that I can not receive mail at, and to correct full name. I just received back my report around XX/XX/scrub> 2024. Under personal information it reads '' Personal information DOES NOT impact your score at all.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (AZ)

For years, I have submitted my payments electronically. I am a retired  XXXX  with a   XXXX   XXXX  . I use the grace period always since our mortgage is my largest monthly bill. When I have the funds available I submit my payment through the payment portal electronically. This usually falls near the end of the grace period per Regulation Z and I always keep excellent records of the submission dates, etc. regardless of what the vendors information says, I keep my own records.     And for years, when the payment falls over a weekend or heaven forbid a holiday as well, I have to fight with the mortgage company to get them to reverse the system generated late fees because their systems are set to use their POSTING date as the submission date which is a flagrant violation of the grace period rules of Regulation Z.     This is all well documented but I suspect the companies I have dealt with over the years do this little shuffle with intent. It amounts to another source of revenue and a numbers game for them. Not all consumers are going to understand the Regulation Z law and not all will have the knowledge to challenge their late fee char  ges. I do.
That is why I am asking for some assistance. I have filed a RESPA letter with Caliber Home Loans.   Right now, they are scrambling to fix their errors but I know this is only because I have caught them at this activity with solid proof. What happens to those who do not have the knowledge or the understanding to stop this activity? The lenders I have had to challenge over the years are   XXXX   XXXX   XXXX   ,  XXXX , and now Caliber Home Loans. It appears this may be an industry wide problem and I am ti red of dancing with them.     As a  XXXX , I know they can have this date of submission in the logic loop to see if the grace period is in play. Yet, they do not do this and I have clearly pointed this FLAW out to every lender I had this problem with. I truly think it is time to make this an issue with the industry. Their systems can and should be compliant with Regulation Z in all ways. They are not and their programming is therefore supporting a type of fraud these vendors have been perpetrating for decades.     Can you do anything about this or  must I hunt further fo r some assistance here for myself as well as other consumers who have been illegally charged late fees when their submission date fell within the grace period?     As a retired   XXXX   and a  XXXX , I can not understand why the systems are not properly tested by the regulators to assure this sort of fraud can not occur and I am truly wondering what if anything will happen to the lenders who are playing this game. I trust someone from this agency will be interested in this brand of consumer fraud or at least direct me to someone who might be interested in schooling this industry on the compliance laws of the regulations particularly those of Regulation Z and the grace period.
Consumer complaint received 2017-05-15
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. (IL)

My initial complaint about the inaccuracies of the late payments posted on my report were not corrected at all. Instead the whole account  ( s  ) for my loans were deleted. If their research showed that the late payments posted are valid or invalid then fine, because that was whtf I asked you all and them to look into. But instead TransUnion completely erased those three student loan accounts that were in my files and showed years of on time payments so of course that now has affected my score. It is very unethical for this company to do so and probably illegal for all I know to erase accounts that were current on my account. The other  two  agencies were able to look into the validatiy of these accounts while not emerssibg them. So why has TransUnion? It seems they intentionally did this jut because I questioned their reporting which I have every right to do as it 's my credit report  ( s  )! There 's no way a credit reporting agency is not aware that erasing three items im currently still paying on would not affect my scores greatly. They intentionally affected my average age of accounts which in turn also lowered m y credit score  significantly and I would like this reversed and corrected immediately! Thank you for your time and assistance in this manner.
Consumer complaint received 2024-09-10
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: Experian Information Solutions Inc. (VA)

I am writing to follow up on my previous dispute concerning several inaccurate and unverified accounts on my credit file. Despite my prior request, these accounts continue to be reported, even though they remain unverified and unjustly associated with me.
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Aqua Finance, Inc. (MI)

i got a new rv loan got one statement then none. 6 times over past three months i have called talked to reps and even a so called supervisor got different reason why no statements came to me which they keep acknoldging they did not send them to me. i have requested even by email but they never come. i need them to mail in pmts. and track what is going on. i don't want to do things online. but i think they want me to give in. if i keep not getting statements i cant pay my bill on time and i don't want my credit to get messed up. it will be their fault. so i am filing a complaint for you to investigate. i hope you get back to me as i will file a claim in court if my credit gets messed up because i don't get a statement to pay them the money i owe them. i want as much evidence as needed if it comes to this. that i tried to solve it. i hope you can resolve this and get them to send me statements in the US Mail every month. 

Their name is XXXX XXXX. their NMLS # XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Subject : Dispute of Credit Reporting Errors To Whom It May Concern, I am writing to dispute certain information in my credit report that I believe to be inaccurate. This action is in accordance with the Fair Credit Reporting Act ( FCRA ), which ensures accuracy, fairness, and privacy of the information in consumer reporting agency files. Below, I have highlighted the erroneous items related to accounts listed as discharged through bankruptcy XXXX  XXXX but still reported in a manner I believe to be incorrect. 

XXXX Account Status : Under dispute Date Opened : XX/XX/XXXX Balance : - Status : XXXXischarged through Bankruptcy XXXX  XXXX. 
XXXX Account Status : Potentially negative Date Opened : XX/XX/XXXX Balance : - Status : Discharged through Bankruptcy XXXX  XXXX. 
XXXX XXXX  Account Status : Potentially negative Date Opened : XX/XX/XXXX Balance : - Status : Discharged through Bankruptcy XXXX  XXXX. 
XXXX  XXXX Bankruptcy Record Status : Potentially negative Date Filed : XX/XX/XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX I believe the above information is reported inaccurately. According to XXXX  XXXX bankruptcy discharge guidelines, these accounts should be reported with a XXXX balance reflecting that they are discharged and should no longer be represented as owed or outstanding. 

I kindly request that you investigate these discrepancies and correct the errors promptly. Attached are copies of documents supporting my position ( include copies of documents like your bankruptcy discharge paperwork ). Please update my credit report accordingly and send me a corrected version of my credit report post-investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 

Sincerely,
Consumer complaint received 2024-11-01
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. (NV)

After reviewing my credit report and noticed i had fraudulent accounts on my report. This account was already removed 6 months ago by experian as fraudlent but they still activating on my credit report after 6 months. This is an illegal action by this agency. Please remove the account " XXXX '' from my report, they are hurting my ability to credit.
Consumer complaint received 2017-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

I setup automatic payments with my mortgage company. These payments are setup to be withdrawn bi-weekly, resulting in 26 half payments, or 13 full payments, to be made each year. This is super convenient and I am satisfied with that. I am however concerned with the application of payments. Penny Mac withdraws these half payments themselves as I was told, during the setup process, that if I were to setup recurring bill pay payments through my bank, that when received they would likely be curtailed and this would require me to call EVERY month to have the funds reallocated. That sounded very inconvenient so I opted for their bi-weekly program. Although I find the process dated and silly at the dated technology abilities, I am overall somewhat satisfied. I do however have XXXX, in my opinion, very serious issue. The fact that they withdraw funds, like they did today, then hold the money for two weeks before there 's a benefit to the consumer seems a bit unfair, and frankly ridiculous. Questions ... where is the money sitting? in a bank account, accruing interest for the mortgage company? why do n't i see a benefit to that? why is n't the money applied to the account then? interest accrual, if i 'm not mistaken, it is based on the principal balance, is it not? so should n't the end result be seeing less interest paid over the life of the loan? unless it is not applied until 2 weeks after the company receives it ... I 'd like to better understand this and when I brought it up to their representative they told me there was nothing to worry about and that I did n't understand but offered XXXX explanation to remedy it.
Consumer complaint received 2024-09-10
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: Experian Information Solutions Inc. (TX)

EXPERIAN HAS FAILED TO REMOVE 7 NEGTIVE ACCOUNTS REPORTING ON MY CREDIT THAT SHOULD NOT BE ON THERE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE CALLED AND PROVIDED EVIDENCE TO EXPERIAN EXPRESSING MY CONCERN OTHER BUEROS HAS DONE THEIR INVESTIGATION AND DELETED THESE ACCOUNTS OFF MY PROFILE AND BY LAW MY CREDIT REPORT WITH ALL XXXX  MUST BE CONSISTENT AND ACCURATE. EXPERIAN IS THE ONLY XXXX REPORTING THIS INACCURATE INFORMATION DISPUTE DISPUTING THIS NUMEROUS TIMES. I WILL SEEK LEGAL ACTION DUE TO THE DISTRESS OF THE INACCURATE INFORMATION