davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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. (FL)

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX. 

First off show me a contact I signed with XXXXXXXX XXXX.does not exist!! 

Secondthe loan status is being reported as charge off when there is not one late or missing payment Third XXXX XXXX XXXX breached this contract on XXXX XXXX XXXX Fourth were are all the payments I made ontime? Why are they no longer showing Fifth..being reported I have 100 % of this loan left to pay. Incorrect Sixth.Equifax.every month Im filling a new complaint about the same creditor who still is not reporting anything correct. EQUIFAX YOU ARE RESPONSIBLE FOR CORRECT AND ACCURATE REPORTING! THIS IS NOT CORRECT NOR ACCURATE!! You are to delete immediately!!! FCRA VIOLATION 611!!

Seventh.EQUIFAXdelete this account immediately!! I should not be continually harried by you!! YES YOU EQUIFAX!! FCRA VIOLATION 607!!

Eighth..XXXX  FCRA VIOLATION 623!! Liability of the creditor for accuract annd complete information supplied to credit agency!!
Consumer complaint received 2024-06-12
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. (SC)

I am filling a compliant today, with a heavy heart and a sense of urgency regarding the inaccuracies on my credit report. As a dedicated and responsible individual, I have always prided myself on maintaining my financial integrity. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX  Balance Owed : {$580.00} XXXX XXXX XXXX XXXX  Balance Owed : {$110.00} XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX  Balance Owed : {$3500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Thank you for your efforts in removing some of the items from my file related to alleged fraudulent activity. However, there are still items that need to be addressed. According to FCRA Section 605, you are required to remove any items listed in ID Theft Report # XXXX. Per Section 605B ( a ) of the Fair Credit Reporting Act, you must remove any items opened without my knowledge, consent, or authority within four business days upon receipt of the following : ( 1 ) Appropriate proof of my identity ; ( 2 ) A copy of the identity theft report ; ( 3 ) Identification of the disputed information by me ; and ( 4 ) A statement by me affirming that the information is not related to any transaction I conducted. Please see the items for removal listed here : Experian XXXX, XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX ( Original creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$3600.00} -- -- -- -- XXXX XXXX  Date opened : XXXX XXXX, XXXX XXXX Balance : {$230.00} XXXX  Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. You have four business days to remove the reporting of any items in my credit file associated with alleged fraudulent activity. I do not consent to the use of E-OSCAR or any automated verification methods. Your immediate attention to this matter and a response within four business days are required.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX OBTAINED MY PERSONAL INFORMATION AND REVOKED MY RIGHTS TO PRIVACY AND HAVE COMPROMISED MY IDENTITY THROUGH A THIRD-PARTY COMPANY
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-South Adjustment Co., Inc. (CA)

Hello, these two collections accounts were deleted from my credit many months ago due to inaccuracies ( XX/XX/2020 ) but has since reappeared. I have tried to inquiry about this account but have not received any response. This account needs to be deleted permanently as I have made several attempts to resolve this issue with no one responding. I have attached a copy of my credit report of when this account was NOT reporting on my credit.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with these company 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 MONTHS REPORTING LATE 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.

This company 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ).

The following account listed on my credit report have violated my rights : XXXX  Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 2024-06-12
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. (IL)

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 2024-06-12
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. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-06-12
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS (MI)

To XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and to XXXX XXXX XXXX please work with LEXISNEXIS a XXXX " FOR THE TRUTH '' with XXXX  XXXX XXXX ( contractor ) to confirm on my credit file 10 years satisfactory of mortgage XX/XX/year> never document as Tradelines.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (DE)

On XX/XX/year>, I discovered that a total of {$52000.00} had been fraudulently removed from my Credit Karma checking and savings accounts. The fraud began with five separate unauthorized transactions of {$10000.00} each. Additionally, my account details, including the associated phone number, were changed, locking me out of my account. The criminals were able to generate a digital debit card and proceed to clean out the remaining funds. 

Actions Taken by Me : XX/XX/year> : Immediately contacted Credit Karma 's customer support via phone and email to report the unauthorized transactions and requested to freeze my accounts. I provided all known details of the fraudulent activity. 
July 23-24, 2024 : Made repeated attempts to follow up with Credit Karma 's support team, including additional phone calls and emails, emphasizing the urgency and requesting the account freeze and recovery of funds. 
XX/XX/year> : Despite my continued efforts, my requests were largely ignored, with one phone call ending abruptly without resolution, and no follow-up on my email requests. Meanwhile, the criminals continued to access and drain my account.

Lack of Response and Impact : Credit Karma 's Response : The response from Credit Karma 's support team was inadequate and unhelpful. They failed to freeze my accounts promptly, allowing the fraudulent transactions to complete. The requested support for filling out a notarized dispute form was not provided, and my inquiries went unanswered.

Health Impact : As a Type 1 diabetic, the stress from this incident has significantly affected my health, nearly resulting in a hospital visit due to the severity of the situation.

Privacy Concerns : For over 48 hours, my entire credit information was accessible to the criminals. This included sensitive information provided in the Credit Karma dashboard : Full credit report details Personal identifying information ( PII ) Account balances and transaction history Credit scores and factors affecting them Linked bank account information Other personal financial information that could be leveraged for further fraudulent activities Request for Resolution : I am seeking immediate intervention to recover the stolen funds and secure my account. Given the lack of adequate support from Credit Karma, I am requesting the CFPB 's assistance in this matter to ensure that my concerns are addressed and appropriate measures are taken to prevent further unauthorized access and to provide the necessary support to resolve this issue.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MN)

I have tried twice now to enroll in Auto-Pay with ED Financial , my student loan servicer. I just submitted a third request today. While I caught the fact that the auto-pay didnt process in time for the first two payments to be made manually, I missed the XXXX payment deadline because I was relying on the auto-pay function. I also have not received the interest rate reduction associated with the auto-pay function. 

The chat help box simply informs me to enroll again.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (TX)

On XX/XX/year> around XXXX XXXX I remitted {$3200.00} to a friends account at XXXXXXXX XXXX based in XXXX using a financial service called Remitly and the transaction was confirmed as complete. But after I sent a confirmation to my friend he noticed that I had made a mistake of the banks name - it was supposed to be XXXX. Remitly currently only services two banks in XXXX XXXX and XXXX. 
I called them to inform them that there was a mistake in the recipients bank and they promised to get back to me within 24 hours. After 48 hours I called them and they told me there is nothing they can do as the recipient had received the money already. I asked the recipient to go and report at XXXX XXXX  in XXXX and they informed him that if the money was wronged sent to that bank, they will return it to the sender. I called Remitly at least XXXX times and they kept me giving me a run around and finally one agent asked me to provide the recipient bank statement to show that he did not receive the funds. I uploaded the statement and he promised to get back to me within 24 hours. He never did. I called them, and they assured me the recipient bank had acknowledged receiving the money and will be reversing the transfer and I should call back within 24 hours. I called back and they told me there is nothing they can do. I actually have the text communication I had with them. This has been a huge inconvenience on my part and I dont think this company is willing to resolve this issue. The money was sent to a wrong bank and there is no way the recipient got the money and I pray that you can help me recover my money from this company. I have asked to speak to a supervisor at least 10 times and they keep saying they are busy. This customer has the worst customer service and if they can answer basic questions and resolve issues, they should not be allowed to handle peoples money.
Consumer complaint received 2024-07-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC (FL)

I filed XXXX XXXX bankruptcy in XXXX, 2024. My lawyer insisted that Rocket Mortgage, with whom I have a mortgage for my house would not be affected. I was set up with a payment plan through XXXX to pay my debts. I was assured many times by my lawyer that Rocket would not affected. In XXXX, I attempt to log into my Rocket account to make a house pymt & I get errors that my password is wrong. I call Rocket & Im told that my online account has been deleted because of the bankruptcy. I ask when I was going to be told about this and was informed that this is routine. It made no difference that I had never been late with a payment & that I was assured by my lawyer that Rocket would not be affected. I ask Rocket if I was going to be sent snail mail bills. The answer was no unless I request it. I requested it. I called my lawyer again who assured me again that Rocket had not been affected and they were not on the list of debtors Im paying back. 

Today, XXXX XX/XX/XXXX, I get a statement saying that I had a past due amount before the bankruptcy filing of {$3600.00}. The same statement also shows that I owe an extra {$400.00} for advances made on your behalf. I call Rocket ( XXXX XXXX & Im told that the past due amount is not showing up & the {$400.00} is a bankruptcy fee. She suggests that I call my lawyer because you should have been told about this fee. I call my lawyer who again states that Rocket was not affected, he still has no idea why my online account was deleted & inquired if I knew to whom the advances were made to on my behalf. The answer to that is no so I said Id get back with him. In the meantime, I get on a chat with XXXX XXXX at Rocket who says there are no past due amounts & the {$400.00} was the bankruptcy filing fee. I explain that Rocket did not advance me any monies to file the filing fee with the county I live in. Now you know on a chat how you can see that the person is typing? XXXX XXXX produces this macro : 'If I do not receive a response within 2 minutes, I will have to disconnect our chat '. 38 seconds later while I'm typing a response about the monetary advance, he disconnects. 

I email Rocket. I get that they want to kick me while Im down but I have never been late with a payment, my lawyer states that they are not on a list of debtors Im paying back, I paid the filing fees myself & can prove it. Rocket did not advance me any money and I still do not understand why I no longer have online access.
Consumer complaint received 2024-07-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (TN)

Purchasing the house on XX/XX/year> with lender company XXXX mortgage company and they asked me the first two payment. I have to mail it to them. 
So this company has been transfer the service to the other company, which is Shellpoint without tell me anything. 
After that, Shellpoint try to contact me regarding make a payment, but I have no clue about them. 
After making the two first payment to the XXXX, which is mean in XXXX, they contact me and they told me about Shellpoint, but its too late because Shellpoint they reported payment missing for XXXX and XXXX and they dont receive any payment after contact XXXX about that they send the money to the Shellpoint For XXXX and XXXX, but Shellpoint report to my credit card report which is mean payment missing in fact I make a payment on time so after investigation with the XXXX and Shellpoint they told me the person who was take my payment and work on my case, she is a quit And she didnt send me the letter to explain to me make a payment to the Shellpoint however, I am lost between them