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

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX  XXXX Balance : {$44000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$310000.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$2500.00}
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX
Consumer complaint received 2024-09-12
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)

Upon reviewing my credit report, I noticed inaccurate information that should be removed. The bureau refused to complete a thorough investigation into the matters instead. These inaccuracies are causing great stress and negatively affecting my financial standing. 

I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help in this matter. 
XXXXXXXX XXXX XXXX XXXXXXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
US DEPT OF EDXXXXXXXX - XXXX - I believe this is reporting inaccurately - verify that this belongs to me. - This account is reporting incorrectly. 
XXXXXXXX XXXX XXXX XXXXXXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX, XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX - XXXX - Verify this belongs to me. - This is paid as agreed and should not be reporting negatively on my report. 
XXXX XXXX XXXX XXXX XXXXXXXX - 15 U.S CODE 1692 ( e ) 10 - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX - 15 U.S CODE 1681 ( o ) - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Consumer complaint received 2024-09-09
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)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$9200.00} XXXXXXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-09
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. (TX)

I believe these accounts were fraudently opened due to identity theft XXXX  XXXX {$110.00}, XXXX XXXXXXXX XXXX {$480.00}, XXXX  XXXX {$540.00}, XXXX XXXX XXXX {$510.00}. I've asked the credit agencies to remove these accounts on several occassions from my consumer report and provide documents validating these accounts at this point the agencies are in violation of williful non compliance
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to request an investigation following information on my Equifax/XXXX credut report. 

XXXX XXXX XXXX Balance {$130.00} Balance updated XX/XX/2024 XXXX I paid the account in full, and it should no longer appear on my credit report. I am the victim of identity theft, and I did not open this account. The creditor misreported my account, and all my payments are current and were paid in full. I moved out of this apartment over a year now. 

Please let me know if any additional information is necessary to remove this from my credit reports. 
Thank you
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I am not liable for a debt with the XXXX  XXXX XXXX XXXX. I have no contract with XXXX  XXXX XXXX and thus it is illegal for them to be reporting on my credit report wrong, fraudulent and incorrect information on my credit report, It is a violation of the Fair Credit Reporting Act for an entity to report information on my credit report when I don't have a signed contract with XXXX  to do so. I never did not even one course or assignment with the XXXX  XXXX XXXX XXXX  but yet I am been told that I owe XXXX {$2200.00}. I have asked XXXX to provide documentation that I did an assignment with the grades assigned and they are unable to provide the information requested as I never did any assignment or courses with them and so if I didn't do any courses or assignments with XXXX then why am I being asked to pay {$2200.00} to an agency that I didn't sign a contract with? I also filed an identity theft report as I don't owe XXXX any money.
Consumer complaint received 2024-09-09
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)

I reviewed my Consumer Reports and noticed that I had XXXX 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 2024-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (TN)

I purchased this car in 2020 and was approved for an auto loan through American Credit Acceptance at XXXX in XXXX TN. I was told that the loan was roughly XXXX closer to XXXX and I was shown that amount on my contract. I have been paying this loan since then and although I have missed some payments and had them added to the end of the loan, the balance NEVER moved UNTIL I filed a complaint a few weeks ago. Upon doing so, for the first time in 4 years, my balance went down to roughly XXXX. Now I have addressed this issue before to no avail. I have made a total of XXXX payments ( that is XXXX ) yet I still owe almost the entire amount. It appears that on a previous contract they sent, the total amount said XXXX and THAT WAS NOT THERE when I signed the contract, the document appears to have been tampered with. I would like the CFPB to help me see a breakdown of ALL payments and investigate the quality of the contract. It looks like the total amount of XXXX was written in pencil. I have requested a breakdown and was told that is not possible. 

CFPB- I have noticed that this is not the first time the company has done this, please check your records in NY and see if there are any similarities between that case and this one.
Consumer complaint received 2024-09-09
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)

I have sent in several dispute letters via certified mail, the bureau has failed to investigate the accounts in a timely matter and block them from the consumers credit report while the investigation is being completed. I am asking for assistance to expedite this matter and investigate them immediately. Thank you
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (IL)

EXPERIAN WILLFUL AND NEGLIGENT NONCOMPLIANCE AGAINST CODE OF FEDERAL REGULATIONS AND FCRA. Experian continues to report a charged off account with a past due balance. I informed Experian in a previous CFPB complaint that the account is inaccurately reporting as " past due as of XX/XX/2021 '' and is continuing to report a past due balance ( please find evidence of account reporting as past due ). Upon further research this account is reporting as a Charged Off status ( please find evidence below ) and according to the Internal Revenue Service, IRS, on their public website www.irs.gov, this canceled debt is considered ordinary income for me. Experian is reporting income on my consumer report. Experian publicly states on their website that income is not included in their consumer reports ( please find Experian stating income is excluded from a consumer report attached ). I am a federally protected consumer and I have a right to privacy and it is Experian 's grave responsibility to respect my right to privacy. Experian has a duty to insure maximum possible accuracy on my consumer report. Experian isn't respecting my right to privacy nor are they insuring maximum possible accuracy on my consumer report by reporting income on my consumer report. Delete account XXXX XXXX Account # XXXX immediately from my consumer report.
Consumer complaint received 2023-04-20
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX, XXXX and EQUIFAX are reporting in account that is in accurate outdated in my credit file. I have requested that they delete this account, but they have refused and have reported back to me that the account is validated. However, they have not provide me proof of the validity of the account, The account number is XXXX, Creditor-XXXX XXXX . First Date reported XX/XX/year>
Consumer complaint received 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized loan servicing is not paying back the overpayment in ESCROW Good afternoon, Please I need your help to collect the money, but also fine SLS. 
What they do to me probably they do to other people. If I dont pay, SLS would fine me $ $ late fee and extra interest and collection fee. 
I ask for the same. I ask my escrow money and a fine payable to me XXXX XXXX XXXX XXXX of {$1000.00} SLS did not refund the {$2500.00} overpayment in escrow after selling the house XX/XX/XXXX. 
Today XX/XX/XXXX I still have nothing. I called SLS on several occasions, I also send out letters with the request to SPESIALIZED LOAN SERVICING to use XXXX  and send the check. 
I also reported this incident at XXXX 
The letter I add to this email is dated XX/XX/XXXX from SLS. 
It stated that they send out a check twice which I never received. SLS did mention that they can not track the envelope because it was send by regular mail. You would think that XXXX IS going to send a XXXX XXXX check overnight with XXXX OR XXXX  after failing again. 
They did not!! 
Today XX/XX/XXXX I gave SLS a call, XXXX, and spoke with XXXX, XXXX and XXXX XXXX from Arizona office. 
SLS has done nothing, what they good say that the checks where never collected. 
What miss XXXX mentioned that they are going, again, block the second Check and reissue another one in 15 days, so you should receive it, hopefully in XX/XX/2022. Ridiculous, against the law and absolutely not to tolerate. 
I told them that they have to reissue a check today and send out today or tomorrow, XX/XX/XXXX overnight with XXXX EXPEDITED and with a tracking number. This ups tracking number you have to Email immediately to me. They dont know, we can not do that. 
I told SLS that all your mail I received correctly over the last 5 or 10 years. Also this letter attached to the email I did receive. Co -accidentally, twice I did not receive the check. It probably was never send out, or maybe someone inside the company SLS is sitting on it?? 
SLS LOAN SERVICING IS IN DEFAULT BY law. 
Please, I hope you can help. 
They should loose their mortgage license by doing those type of behavior. 
I want them to wire the monies including a {$1000.00} settlement. I spend so much unnecessary time on it. Today XX/XX/XXXX th, still nothing. 

Thank you very much for your assistance, P
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information Transunion.XXXX {$990.00}, XXXX {$80.00} XXXX XXXXXXXX XXXX {$560.00}, DEPTEDXXXX {$3700.00}, DEPTEDXXXX {$2300.00}, DEPTEDXXXX {$2300.00}, DEPTEDXXXX {$3700.00}, DEPTEDXXXX {$1800.00}, DEPTEDXXXX  {$1100.00}, DEPTEDXXXX {$1000.00}, DEPTEDXXXX {$1200.00}, XXXX {$620.00}XXXX XXXX XXXX {$1200.00}, XXXX {$15000.00}, XXXX XXXX {$9500.00}, XXXX XXXX {$810.00}XXXX XXXX XXXX XXXX {$20000.00}, XXXX {$1500.00}
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with 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 60 days 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. 

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 2022-02-21
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: SUNRISE CREDIT SERVICES, INC (FL)

I have a collections account that hit my credit report in XX/XX/2021 from an XXXX XXXX XXXX XXXX account that is not mine. The collections account is from Sunrise Credit Services and is hitting my XXXX credit report. I have filed several disputes with XXXX and it keeps reappearing. I have also called Sunrise Credit Services but that has gotten me nowhere.