davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. ()

I'm applying for my mortgage and found out that my credit account with Equifax is mixed with my husbands who's living in the same address. 

My credit report from Equifax wrongfully entitled me with my husband 's mortgage. 

Ive already submitted 3 online disputes and started an investigation ( reference # : XXXX ). I received a response email saying that they had updated my information. However when I check my credit report, there are no changes. So I filed a new online dispute ( Ticket # XXXX ). 

Please remove my husbands info from my profile so that I can proceed with my mortgage application. This is an URGENT matter that needed to be resolved ASAP.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc. (FL)

The company lied on the application after the paper app that I filled out had my proper address thats been on my Florida license since 2013 and have personal proof that I have to live there this whole time. I have a XXXX XXXX XXXX and a XXXX veteran, Conns changed my address without my permission, to my ex girlfriend house so she could have a refrigerator that she was paying for with her card, because I never once swiped my card because I found out the card used has to be one that the refrigerator is going for automatic payment for zip code XXXX Ive never lived at that zip code, my zip code is XXXX and they reported I lived there on my credit report at XXXX with the address, that how I know they changed it and now I have having problems because they are reporting the address and bad credit that is hurting my credit when I already live on a fixed income and now they have. I tried to have a resolution and call the woman that has the refrigerator that was paying for it and called conns to have them pick up the thing because they were harassing me calling up to 10 times a day. When I called conns to pick up the refrigerator they said they couldnt is what I was told I could bring it in, how? If it a secured loan by the refrigerator than why wouldnt you go pick it up? Scammed by the store and XXXX they just wanted the sell and she wanted the refrigerator. The address on the agreement is not the address I gave them and they allow her to pay with her card and set up payment automatic draft. My credit is ruined and they have made it where I can attain the services that are required because my credit. Conns I guess their name should of told me! Im totally disappointed
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Javitch, Block & Rathbone LLC (WV)

Javitch Block LLC is trying to collect a charged off balance. A bank sued me over XXXX years ago and knows I am a XXXX XXXX  recipient. The real collector for this debt was a different lawyers office in West virginia ( XXXX and XXXX ) they know I am a XXXX XXXX recipient and are un-lawfully trying to manipulate me.
Consumer complaint received 2024-08-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (IA)

I changed my phone plan over a year ago to XXXX from XXXX. I had asked multiple times to make sure all bills were paid. 
XXXX never sent me a bill or a certified letter showing that I owed {$420.00} or why I owed {$420.00}. Recently I had been getting texts from phone number ( XXXX ) XXXX the company was MRS BPO LLC. Since I had never recovered a letter I wrote it off as just another fraud text message and deleted it. Now I see my credit score has taken a hit down to the XXXX. Ive been above XXXX since XXXX and above XXXX going back a year. I feel the companies inability or unwillingness to send me a letter is a predatory practice to collect fees from me.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with ( CREDITOR NAME ) 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. 


( CREDITOR NAME ) 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 2024-08-05
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: PLANET HOME LENDING, LLC (WA)

XX/XX/2024 Called company to close Escrow account and refund the balance in account. Company gave information of process to follow and documents to provide. Followed instructions and emailed requested documents. Received confirmation of their receipt of doc. Given case number and told to expect a response within 5 days. 
XXXX XXXX No response received from company. Called to check status and was told to wait longer XX/XX/2024 Still no response from company. Called to check status. Representative stated could not find an " job '' open for my request to close Escrow account. Gave her the Case # but she could not find any documents from my request. Told Rep I received 2 email confirmations my documents had been received by the company and per Reps request I forwarded the email confirmations I had received. Rep still could not find any documentation of my request. I indicated I would send hard copy and ended the call. 
XX/XX/2024 I used postal mail to send hard copies to both the Customer " Service '' address and CC 'd the CEO at corporate address. 
XX/XX/2024 Verified, XXXX XXXX XXXX XXXX XXXX were received by the company on XX/XX/XXXX and XX/XX/2024. 
XX/XX/2024 Called company telephone number and asked to speak with the CEO. My request was refused. Representative wanted me to explain my request again. I told the Rep I had already explained this to multiple Reps and now I wanted to speak to a higher authority. Rep transferred me to a " supervisor. '' Explained to XXXX the problem and gave the case number. XXXX indicated the request was open and would be completed XX/XX/2024 with final system update of XX/XX/2024. 
XX/XX/2024 I called to check status of my request to close my Escrow account. I gave the Rep the Case 3. XXXX stated did not know what XXXX number I was talking about. Rep looked up my file and found my request to close my Escrow account, that it had been approved and would be approved XX/XX/XXXX. Rep also indicated did not know why I was told XX/XX/XXXX was the completion date. Rep suggested I call back on XX/XX/2024. 

I started this process XX/XX/2024. I followed the company 's instructions at every step of the way. I have repeatedly been told there is no record of my request, that is takes 30 days to process, they are still working on it, and given multiple moving dates as to when it would be completed. It has now been almost 60 days. Other than the email confirmation that my emails had been received, no other communication has been initiated by the company and every time I call I get a different answer. This request should have been completed weeks ago.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I recently disputed with all XXXX bureaus this fraudulent XXXX XXXX account that was opened in XX/XX/2017 that I recently discovered and shows XXXX different balances of {$5300.00} and {$4300.00} which does not belong to me. This account was removed from my all XXXX bureaus and then re-added to my XXXX Report. I have submitted my Identity Theft Report to all bureaus and this should not have been re-added to my report as this violates my rights under the FDCPA. This account is not proven to belong to me and in fact does not.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX RE : Last XXXX SS # XXXX To Whom It May Concern, On [ XXXX XXXX ] I disputed an account reported by [ Wells Fargo Card SVC ACCOUNT # XXXX ] in the file you main under my Social Security number. 
I was informed on [ XXXX XXXX ] that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( i, you are required to notife me is the reinsertion in writing within 5 business days.

In accordance with the requirements of the ( 11 ), you are required to notify me of the reus business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized y the consumer for that purpose, by any other means available to the gency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blata t disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IL)

My account with the DEPT OF EDUCATION/NELN and i was never late! I have had exceptional payment history with this company 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 2020 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 2024-07-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC (LA)

The Cash Advance XXXX strikes again. I received yet another ominous email ( XX/XX/year> XXXX XXXX ) from an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that subject to threats of legal actions against me. The email states that it will be the final opportunity to settle the debt outside of court before legal proceedings begin. I was threatened to be charged with Violation of Federal Banking Regulation, Collateral Check fraud, Theft by Deception, & Electronic Fund Transfer Misconduct and wire fraud. The email also includes the threat of reporting my SSN to major credit bureaus to be investigated. The email concludes with leaving two options to settle out of court ; one being a one-time settlement of {$750.00} within 1 day of receiving the notice and the other being a weekly installment of {$330.00} until the full balance of {$1600.00} is paid.
Consumer complaint received 2024-06-18
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. (GA)

I am writing to dispute fraudulent information that appears on my credit report provided by Experian. Upon reviewing my credit report, I have identified an account labeled XXXX XXXX XXXX XXXX that I did not open or authorize. This fraudulent account is not associated with any transactions or activities conducted by me, and its presence on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

The fraudulent account details are as follows : - Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Reported Balance : {$600.00} - Date Opened : XX/XX/year> - Status : Collection account The inclusion of this fraudulent account on my credit report not only represents a severe breach of my financial security but also poses a significant threat to my creditworthiness and reputation. As per the FCRA regulations, credit reporting agencies bear the responsibility of ensuring the accuracy and integrity of the information they report on individuals ' credit profiles. 

Section 611 of the FCRA explicitly outlines the responsibilities of credit reporting agencies when reporting fraudulent information, emphasizing the need for accurate and timely investigation of disputed accounts. The presence of unauthorized and fraudulent accounts on my credit report not only compromises my financial standing but also violates my rights under the FCRA. 

I demand that the fraudulent account labeled XXXX XXXX XXXX XXXX be promptly investigated and deleted from my credit report. This unauthorized account poses a serious risk to my credit reputation and financial well-being, and its immediate removal is imperative to mitigate any further harm. 

I expect a prompt response and the deletion of the fraudulent account from my credit report within the legally mandated timeframe of 30 days. Failure to address this matter in a timely and compliant manner will result in further action to seek redress for the violation of my rights under the FCRA. 

Thank you for your immediate attention to this critical issue. I look forward to the swift resolution of this dispute and the removal of the fraudulent information from my credit report.
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. (PA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 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 XXXXXX/XX/XXXXXX/XX/year>
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

There is incorrect information on my report that needs to be removed. My Name is XXXX XXXX all other names need to be removed. My Current Address in which I receive USPS Mail, is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. All other addresses are inaccurate information and needs to be removed.
Consumer complaint received 2024-08-17
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. (KY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-16
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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly UPDATE all information that is inaccurate, incomplete, or which can not be verified.

Under 15 U.S. Code 1666b ( a ), 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 ) is mailed or delivered to the consumer not later than 21 days before the payment due date.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be PROMPTLY updated/negated in its entirety.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be UPDATED immediately.

Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX XXXX  Account # : XXXX Account Status : Closed I have no knowledge of late payments because THERE ARE NONE and all XXXX credit bureaus are showing different dates which again proves inaccuracy. 

I AM DEMANDING THAT THIS ACCOUNT BE UPDATED IMMEDIATELY TO PAID AS AGREED AND NEVER LATE. 

I HAVE SENT LETTERS TO ALL XXXX CREDIT BUREAUS MULTIPLE TIMES!!! ASKING THEM TO LOOK INTO THE PROBLEM AND CORRECT THE ISSUES THERE. THIS INACCURATE INFORMATION ON MY REPORT IS NOW HINDERING ME FROM PURCHASING A HOME AND GOING ABOUT MY LIFE AND IF IT IS NOT FIXED WITHIN THE NEXT WEEK I WILL BE TAKING THIS UP WITH MY ATTORNEY TO TAKE LEGAL ACTION.