davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
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. (GA)

I was a tenant at an XXXX XXXX called XXXX XXXX in XXXX NC back in XXXX it was around the time COVID was extremely high and I was in crisis. I couldn't afford my rent nor my utilities due to not being able to get a job and previous homelessness. I then found out about rental assistance program called RAMP where I applied to get assistance. I end up getting approved and completed all the steps to get assistance for my struggles. After I had to leave the apartment in XXXX, XXXX  I thought everything would be took care of and I would be able to move forward in peace. Years ago by the same apartment reports almost {$9000.00} dollars on my credit without my permission as it states in the law 15 USC 6802 limits the disclosure of nonpublic personal information by financial institutions. The section states that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without providing the consumer ( XXXX XXXX ) myself a notice. I have the emails of the program confirming my assistance for my time of need and suffering due to COVID and it was not correctly and morally used therefore it should not be on my report because it's false information which why a credit bureaus should have called me first before reporting on my credit to these agencies. Secondly the law 15 USC 1681b permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the order of a court having jurisdiction to issue such an order meaning credit agencies should have had my written instruction to allow to put this on my credit report but I didn't send nor write a letter stating that and if so I need that to be verified. Lastly my information should be passing my personal information without my lawful authority which is the law 18 USC 1028A. I do have the emails stating I was getting rental assistance so this needs to be off my credit report due to pain and suffering of not being able to rent/buy a home of my own.
Consumer complaint received 2024-07-03
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. (DE)

I am writing to express my deep frustration and concern regarding the continued reporting of unverified and unauthorized negative accounts on my credit report. Despite my previous disputes, these incorrect items remain, causing significant damage to my credit profile.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 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.

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-24
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. (CO)

I have items passed on that should be taken out or removed. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-03
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. (LA)

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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I had paid this account in full once I realized the original creditor was mine. I need this now removed off of my credit report please in a timely manner as company agreed to remove the collection account upon me paying off the debt completely. Im in process of trying to buy a home and need this removed. Thank you
Consumer complaint received 2024-07-03
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. (GA)

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

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 2024-08-29
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. (NY)

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 2024-09-02
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. (GA)

I was a tenant at an XXXX XXXX  called XXXX XXXX in XXXX NC back in XXXX it was around the time COVID was extremely high and I was in crisis. I couldn't afford my rent nor my utilities due to not being able to get a job and previous homelessness. I then found out about rental assistance program called RAMP where I applied to get assistance. I end up getting approved and completed all the steps to get assistance for my struggles. After I had to leave the apartment in XXXX, XXXX  I thought everything would be took care of and I would be able to move forward in peace. Years ago by the same apartment reports almost {$9000.00} dollars on my credit without my permission as it states in the law 15 USC 6802 limits the disclosure of nonpublic personal information by financial institutions. The section states that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without providing the consumer ( XXXX XXXX ) myself a notice. I have the emails of the program confirming my assistance for my time of need and suffering due to COVID and it was not correctly and morally used therefore it should not be on my report because it's false information which why a credit bureaus should have called me first before reporting on my credit to these agencies. Secondly the law 15 USC 1681b permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the order of a court having jurisdiction to issue such an order meaning credit agencies should have had my written instruction to allow to put this on my credit report but I didn't send nor write a letter stating that and if so I need that to be verified. Lastly my information should be passing my personal information without my lawful authority which is the law 18 USC 1028A. I do have the emails stating I was getting rental assistance so this needs to be off my credit report due to pain and suffering of not being able to rent/buy a home of my own.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

Credit bureaus reporting XXXX XXXXXXXX XXXX reporting incorrectly consistently ignoring XXXX police report XXXX and other evidence investigations and DISB report. Credit bureaus are not attachments letter to credit reports rebuttal letters consistently to all credit reports. Credit bureaus are colluding with XXXX XXXXXXXX XXXX reporting to damage my credit reports
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My accounts 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 to be removed/updated. 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. 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!
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX, # XXXX.
Consumer complaint received 2019-07-31
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: Experian Information Solutions Inc. (MO)

Looking at my credit file I've noticed inaccurate data reporting on my report. and I'm demanding that these accounts be blocked immediately. 

1 ) XXXX XXXX {$150.00} 2 ) XXXX XXXX  {$550.00}
Consumer complaint received 2024-04-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACS Education Services (NY)

I paid in full my student loan for my XXXX XXXX degree with a loan collection company Called ACS in XX/XX/XXXX. I received a letter from ACS acknowledging my payments and then some XXXX yrs later I began receiving notices from other collections companies stating that I owed them for this same debt which was already paid off. I presented them proof and then they would eventually disappear. However, XXXX  collectors keep popping up and claim that I owe on a student loan. The most recent collector is XXXX, who sent me a copy of an application I never applied for in XXXX with disbursements I never received for schooling at XXXX  XXXX XXXX XXXX, which I didn't attend in XXXX. I actually was overseas, living and working in XXXX, teaching XXXX at XXXX XXXX XXXX  until XX/XX/XXXX. I returned home and not long after discovered this fraudulent student loan activity which also resulted in the XXXX of my XXXX IRS refund. XXXX. Owes me for my IRS refund, also note my loan of {$20000.00} was overpaid, I paid in excess of {$31000.00} and I want to be reimbursed for the overcharge plus interest as this dates back to XXXX of XXXX. I have also incurred damages as this problem has negatively impacted my credit ratings for more than XXXX yrs.
Consumer complaint received 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is refusing to remove unauthorized inquiries that were made while I was in the hospital without my authorization. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The other credit reporting agencies helped me but Transunion has refused to remove the inquiries.
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Approximately 18 months ago I restructured my mortgage due to financial hardship with NationStar Mortgage. I was behind in my mortgage and facing the possibility of foreclosure. After all was said and done, I wound up with a 40 year mortgage, with payments only approximately {$200.00} less a month than what I was currently paying. 
At the time of this restructuring, I only had 7 years ( {$68000.00} ) left to pay on my home that had a market value of {$150000.00} to {$180000.00}. When I asked why I had to pay such a high long term cost for this restructuring, I was told that there were attorney fees, late payments, etc. At the time I was approximately five months behind in payments. I was told that after I reestablish better credit I could refinanace for a better term. 
With all that considered, I believe a 40 year mortgage term in order to save my home is a bit excessive. In the end I am paying NationStar approximately {$500000.00} for a {$68000.00} loan. 
I am not sure what recourse I have, if any but any advice would be greatly appreciated. I can provide greater detail if there is a possibility that I have a legitimate complaint. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (GA)

1st two payments were paid via online account that I had set up. As the checks were being cleared electronically I received a letter from Mariner stating that my checks had been returned. That was not true. The checks cleared when presented and this was eventually reflected in the payment history by Mariner. However Mariner did not recognize their original mistake and continue to insist that I had sent two checks that did not clear. This resulted in them canceling my ability to pay online ( the original payment method ) and to refuse the subsequence paper checks that I have tried to send them. Since the mail in paper check is the alternative that I have to paying online, I have continued to send a check monthly, each time explaining the mistake that is resulting in them eventually returning the paper check with a letter stating that due to a previously returned checks they are no long acceptable. Since it is easy to verify what I am saying and that Mariner is not bothering to do so, I am can only assume that they are trying to get as much from me for the loan in the way of additional late payments fees and interest accrued.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (FL)

Bmo Debit card claims department. 

On XX/XX/2024 I called customer service to open a merchant dispute for these transactions {$50000.00} - {$51000.00} - {$51000.00} for merchandize not received. 
Cases ID : XXXX / XXXX / XXXX After the claim was opened the bank requested more information about the case and supportive documents. I sent them on XX/XX/2024 to the fax provided on the letter. 
The claim was denied saying that I authorized the transactions, on XX/XX/2024 I reopened the case by email to have a second review and proceed with merchandize not received. 
On XX/XX/2024 I was able to speak with the merchant and they proceed with the refund of the purchases because they didnt have it on stock and they couldnt request more items to the factory. 
Attached goes the refund receipt, but the credit is no on my account, I tried again to reach them to ask about the refund and nobody answers. 
Please take note of this new evidence to support the case that is under second review. 
Regards
Consumer complaint received 2024-07-22
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. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681. 

XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX The following accounts have violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 605 A Section 2. States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( A ) ( 5 ). States no consumer reporting agency may make any consumer report containing any of the following. Any other adverse items 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 ). States 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 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-07-03
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 am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.