davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

The law requires the fair credit act law be followed no if and or but about it the fact is my credit report at Experian is completely false based on my race and gender being a successful aXXXX with good credit this company have failed to update my credit card usages on a monthly basis I have my evidence its your job to get your evidence on my credit card balance by the end of the business day today I want the experian app updated or remove all my personal information for life by the end of the business day today False credit card balance is fraud the law requires a monthly update that never occurs based off my race and gender I filed over XXXX disputes within this year of XXXX since XXXX, XXXX and XXXX with mail sent out as still pending and no update or inaccurate information fully removed this is against the law and your job to correct and removed and verify all information on a monthly basis as the The fair credit act law requires all Credit bureau to follow rules and regulations do you understand that law if so do your job by the end of the business day today The law requires I file XXXX dispute only and thats thats not law requires me to keep disputing the same information on my credit report I have already filed dispute on all not XXXX on all XXXX loan if experience, Customer Service employees and managers cant obtain my XXXX loans information, they need to be fired for failure to do your job. Call the XXXX department of education XXXX call them do your job call them right the XXXX now before the end of this XXXX business day XXXX call them right the XXXX now department of XXXX education loans you have the loan holders information on all of them XXXX XXXX loans call each one of them XXXX and see what the XXXX they tell you dirty XXXX I have headed up to the roof with you. Incompetent XXXX XXXX working in this XXXX department, putting the whole XXXX consumers phone because you failed to do your XXXX job and keep this XXXX information up to XXXX date I want you XXXX fired you dirty XXXX XXXX, and I dont give a XXXX I said what the XXXX I said.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I was shocked this morning when I noticed inaccurate accounts on my credit report, and I have no clue how they got there. I check my credit report regularly, but this time, there were sudden discrepancies out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but it wasnt. The inaccurate accounts remained, and its extremely concerning. I really hope the documents Ive sent will be reviewed properly so I dont have to deal with this anxiety again.
Consumer complaint received 2024-10-01
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-12-04
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. (NJ)

Experian knows that this XXXX  XXXX XXXX account on my credit report has exceeded the Statue of limitations allowed its been over 10 years old. By LAW any accounts older than 7 years Need to be deleted off your credit report. Its against the law to be reporting old accounts thats over 7 years old and its also violating my consumers rights. Must be deleted
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute the inaccurate reporting of an account listed as " XXXX '' on my Equifax credit report, reported on XX/XX/year>. Although the outstanding balance for this account is now {$0.00} and the account status indicates " Paid, '' the payment status continues to show as " Charge-off. '' Under the Fair Credit Reporting Act ( FCRA ) Section 611, I request an immediate investigation and correction of this information. Furthermore, according to FCRA Section 623, the data furnisher has a duty to ensure that all information reported is accurate and up-to-date. The continued listing of this account as a charge-off payment status is misleading and does not accurately reflect its current status as closed with a {$0.00} balance. Additionally, under FCRA Section 609, I am entitled to access and verify all information contained in my credit report, which supports my claim of inaccuracy.
Consumer complaint received 2024-09-13
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. (NV)

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 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 2024-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

My husband in the military was paid by direct deposit on the XXXX of XXXX on that day we paid all our bills which left very little in the bank account. My husband died on the XXXX of XXXX and on the XXXX of XXXX the Va asked the bank to return his pay to them because technically he wouldnt have been paid until the XXXX  but USAA pays two days early. The bank took two withdrawals out the first one was XXXX  and the second one was {$4000.00} leaving me {$6000.00} negative. I filed a complaint they agreed it was their fault on the {$2000.00} one but denied me on the {$4000.00} one it has now put me in debt and ruined my credit because of what they have done. They closed the account wed had for 28 years and left me like this.
Consumer complaint received 2024-09-13
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-13
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. (NJ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-13
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: CCS Financial Services, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CREDIT COLL, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. 

It has come to my attention that CREDIT COLL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for CREDIT COLL to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that CREDIT COLL immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that CREDIT COLL will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Consumer complaint received 2024-09-13
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 dates XXXX XXXX. XXXX dates XXXX XXXX. XXXX dates XX/XX/23, XXXX XXXX I was never late on a payment According to USC 1681i ( a ) ( 6 ) ( B ) ( iii ) a notice that if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including proof showing late payments were late. Not word of mouth. 
Include an investigation of the XXXX on my profile
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC (WA)

In XX/XX/year> roundpoint mortgage purchased my loan from XXXX XXXX. 

My payment had already been sent to XXXX so I called Roundpoint and they said they would help track it down. I sent proof of payment and conformation # of the payment. I never received a call back and assumed they had helped sort the issue. Come to find out they never intended to help but rather started charging me late fees. I ended up having to sort it with flagstar and the payment was made. 

Over 2 years I have called over and over again to have these fees removed and have been given nothing but lip service. Even once i was current on payment they keep charging late fees ON MY LATE FEES. I've called over XXXX times and have been told I would get a call back. The late fee of {$57.00} is now {$620.00}. 

This is predatory lending and I am appaled these banks are allowed to do this. I am asking for support. they clearly don't intend to fix it and apparently if they are allowed to do this why would they stop?
Consumer complaint received 2024-08-27
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. (OH)

XXXX XXXX XXXX  is reporting inaccurate accounts on my consumer reports which has affected the ability to maintain credit. This account does not belong to me. Anyone can open a fradulent account online. Where is the orginal contract with my signature. How did they verify an account is accurate that was opened online.
Consumer complaint received 2024-09-13
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. (NJ)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-09-13
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. (MS)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Almost all of experian information about me is wrong and when i told them to remove it they wanted to adjust the inaccurate information to be correct i told them, your kidding right that needs so instead they created another file insteAd of removing the inacurate info. Also they have the most basic things wrongs first of all my name on my id and birth certificate is not even on my file yet they have like 6 alias listed not one is my legal proper name i told them if the name thats not on my social birth certificate and drivers lisence is not the name on your file remove it the told me i must tell them one by one each name u want us to remove i told no look at my social birth certificate and driver liscense i provided it and if it dosent match remove it later i got a letter that my submissions were inlegible or they couldnt see it because the images were bad which is balonge. Also my social security number listed is not mine its the wrong number so if the number they have listed is wrong why are there some many things in my consumer credit report that is connected to my correct ss number??? Once again how is there anything at all on my credit report if experian dosent even have my correct $ $ number the second digit of the last four of my social is wrong i told them and they created a second profile now thats fraud i have two credit report files at experian now and the us giverment wanted to use XXXX to verify people identidication i think they need to keep that in house .so they did not correct any information they have my incorrect name and social security number yet theres things on my file where the socials dont match to what they experian  have on file also i paid for thedt protection XXXX XXXX XXXX  gurantee i suffered a financial loss because of idenity theft i tried to contact them to make a claim they just ignore me they ignored all my request to remove inaccurate things on my report and info. Yet they post things that have mismatched ss # on my report. No wonder i cant get approved for even a XXXX dollar credit card experian  has my social security wrong thats why everyone says they cant verify my information ugggh
Consumer complaint received 2024-09-13
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. (MO)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX
Consumer complaint received 2024-09-13
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. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.