davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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. (OH)

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 number : XXXX, Account name : XXXX - Account number : XXXX, Account name : XXXX - Account number : XXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXXXXXX I looked at my credit report XXXX XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-26
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. (MI)

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. 

XXXX XX/XX/XXXX : # XXXX {$830.00} XXXX : # XXXX {$69.00} XX/XX/XXXX XXXX XXXX XXXX : # XXXX XX/XX/XXXX XXXX : # XXXX XX/XX/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 information is inaccurate.
Consumer complaint received 2024-09-25
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 you as the holder of FREEDOM MTG account number XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : 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 I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely,
Consumer complaint received 2024-09-25
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 you as the holder of XXXX XXXX account number XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : 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 I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely,
Consumer complaint received 2024-09-26
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. (OH)

I am writing to you as the holder of credit card account number XXXX XXXX XXXX  # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I filed a complaint with Cfpb a few days ago regarding what I believe to be an intentional event where XXXX, XXXX and Experian are intentionally keeping my credit scores as low as possible due to the fact that I am an XXXX XXXX. I recently paid on two-3 credit cards and loans that usually report by the XXXX of the month when my balances are high, however, now that I have paid off my balances their has been no updates on my credit report or score and it is the XXXX? I am trying to purchase/rent a home and if someone is intentionally delaying reporting is this illegal? I am wanting this complaint added to my initial complaint and sent to all three companies for a review of my account and score. I want my score increased if needed.
Consumer complaint received 2024-09-06
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 been disputing these accounts as fraudulent and no one has helped me. 

I am a XXXXXXXX XXXX XXXX  who is in desperate need of the guidance from FTC and the credit agencies in order to begin getting my mind, life, credit, education, finances back on track. I just want a fair chance like everyone else. Thank you so much for helping victims like me. I really do appreciate it and I have faith everything will fall into place soon. As per the guidance from the CFPB, the documents needed to block these accounts are attached. I kindly request that you block this information from my credit report pursuant to section 605c of The Fair Credit Reporting Act as a result of XXXX XXXX XXXX XXXX, Trafficking Debt Final Rule. Please block all the fraudulent accounts stated in this FTC Report along with these accounts because I couldn't add more than 5 accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
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)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # -- XXXX, XXXX Account # -- XXXX, XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # -- XXXX, XXXX Account # -- XXXX, XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2023-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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.

Equifax 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 2024-09-06
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. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-26
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. (CT)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2022-11-29
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. (NY)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section2 : It also states a consumer reporting agency can not furnish an 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 or 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. 1681 s-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. 

Please be advised that I have enclosed with this dispute a copy of the original court order for Child support which list the ONLY ACCOUNT that I am currently paying with the names and ages of both my children on this order, signed by Judge, XXXX XXXX. 

As you can see and read on the provided attached copies of the court order Child support, you will notice the ages of both, my daughter born on XXXX XXXX XX/XX/XXXX ; and my son XXXX XXXX XXXX XXXX Born XX/XX/XXXX. 

Yet you do Not see any such account : ( XXXX ) I am requesting that you EITHER PROVE BEYOND A SHADOW OF A DOUBT ; the ACCURACY of this account A response from your company to a previous dispute of this same account you were insufficiently noted as : We verified that this item belongs to you. This account has been updated. Additional information has been provided from the original source regarding this item. '' Please note : ( verify /verf/ past tense : verified ; past participle : verified make sure or demonstrate that ( something ) is true, accurate, or justified. 
" his conclusions have been verified by later experiments '' LAW swear to or support ( a statement ) by affidavit. ) I would like to know what EXACTLY WAS VERIFIED? Was the AMOUNT VERIFIED? If so where is said verified proof? I did not receive any such proof in accordance with the Fair Credit Reporting act. It clearly states you can not report any negative items on my credit report that are not 100 % accurate. How is this account proven accurate and or " verified '' IF ITS NOT ON THE CHILD SUPPORT ORDER SIGNED BY THE JUDGE? 

If you fail to provide proof from the original reporting creditor ( XXXX ) that this account is Indeed accurate and " Verified '', you are bound by law to DELETE IT ASAP.
Consumer complaint received 2023-03-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (ME)

This is a portion of a letter written by order of the Vermont Superior Court during the telephone conference on XX/XX/XXXX. All evidence and documentation held by the Vermont Superior Court. 


In XXXX, one year after I was laid off and unable to find work, we applied for numerous programs through the Making Home Affordable program. We were required to work with the lender ( Wells Fargo ), providing applications and much paperwork and background information. Over the course of many months our paperwork was lost several times ( according to telephone conversations with representatives at Wells Fargo ), requiring new documentation be generated by us ( because according to them it was now out of date being some weeks later and we would have to start over ). It is important that it be known that we had never been late on, or missed a full payment at this time. This went on for some time until they began cashing our payment checks but not applying them to our account. We began receiving letters and phone calls from Wells Fargo demanding payment ( even though we had paid, on time ) and threatening credit reporting and eventual foreclosure ( again, we had never been late on, or missed, a full payment ). After much effort I was able to talk to someone who understood what was going on. She said our payments were placed in a special escrow account for people like us until the application process through the Making Home Affordable program was complete. 

I asked how I could avoid a negative credit rating and was told that they would apply our payments if we stopped applying for aid through Making Home Affordable. I had no choice but to agree to stop the application, and they applied our payments to our account. 

End of Letter We eventually did refinance independently of Wells Fargo but were forced to abandon the house because of work. Our complaint is that Wells Fargo has excluded us from the Court Order requiring them to make amends with consumers whom suffered from their business practices.