davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (NC)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 




XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2024-06-10
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: Experian Information Solutions Inc. (NJ)

The following inquiries were not authorized by me on EXPERIAN. I believe these inquiries are fraudulent. I have been dealing with a lot of stress trying to figure out what is going on. I have already submitted an XXXX  report. I have called each of these companies and none of them can provide any proof that I authorized these. They are not helping me get these removed. I am out of options at this point. I am asking you to please get these removed as soon as possible as they are all fraudulent. I am trying to buy a house and this is hurting me. Thank you! 

XXXX - XX/XX/year> 2024
Consumer complaint received 2024-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

My Mohela account currently shows a balance of {$3200.00} for a Federal Direct Loan. I received a XXXX XXXX Award from the XXXX XXXX XXXX XXXX XXXX that allows for me to pay student loans with the award funds. I authorized XXXX to make a payment of {$3100.00} on XX/XX/2024 towards my Mohela loan. XXXX subsequently marked that the payment was accepted by Mohela, however this payment has never been reflected on my Mohela account. I contacted Mohela through their online portal on XX/XX/2024 with the following message : " I used my XXXX XXXX XXXX to make a payment on this loan. The XXXX portal says that the payment was accepted by Mohela. Why is this still showing as unpaid? '' To which Mohela replied : " We apologize for any inconvenience this may have caused. Please be advised that we are in the process of transitioning to a new operating system and any payments made while on the previous operating system will need to be transferred to our new system. Please allow up to 60 days for the payments to be transferred to our new operating system. Please be assured that no action should be necessary on your part for this process to occur. We appreciate your patience during this time. '' I contacted them again on XX/XX/2024 with the following message : " XXXX sent a payment on my behalf for my student loan. Why is this not reflected on my account? This is now the second time that I have inquired about this. Please tell me what is going on or tell me who I should contact. '' To which they never replied. I called them last week, and they notified me that they would place a Payment Inquiry, but the issue is still not resolved.
Consumer complaint received 2024-06-07
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-25
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 file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
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: EQUIFAX, INC. (IL)

I am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The Fair Credit Report Act stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.
Consumer complaint received 2024-06-11
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. (IL)

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 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. 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 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 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 — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2023-09-30
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)

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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 XXXX 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 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (MA)

American Express sent me a replacement card for an existing account without my having asked for it. The card was never used by me, never left my house, and it was placed in a locked safe. AmEx claims they tried to alert me to a security concern about the card and denied initial attempts to use it -- claim they called me but never spoke with me or left a message. Subsequently an $ XXXX charge was approved ( despite never having heard from me about the security concerns ). When I received the statement with the charge I called IMMEDIATELY to report fraudulent use. I received a letter dated XX/XX/XXXX stating, " Any interest charges and/or miscellaneous fees that may have been billed to your account as a result of the fraudulent charges will be credited accordingly. '' THEY HAVE NOT. DISPUTE REFERENCE NUMBER XXXX They have since continued to send me notices of overdue balances. Whatever fees and interest that may have been adjusted still show a balance due of {$120.00} on XX/XX/XXXX. I have called to have " my '' late fees credited only to then have interest charged to the closed account. I have called, been placed on hold and spoken with representatives at least 5 times -- each time with assurances that the matter will be taken care of and my credit ( which was previously unblemished ) restored. I was just alerted by my XXXX credit card that I have a report of a balance overdue on my credit report. It is from the fraudulent charges that were reported ALMOST A YEAR AGO. I have spent HOURS on the phone in thus far unsuccessful attempts to resolve this issue. 

While I do not know the full account number of the CLOSED account, statements seem to show conflicting information : Account ending XXXX and XXXX It is unfathomable to me that I can not make any headway with an issue that I was assured would be resolved after the initial report.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX 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
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (FL)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 



NAVY FCU SUMMIT FIN { dispute_item_and_explanation } Enclosed is a copy of my Identity Theft Report, supporting my position. 

I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees.

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue.

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.
Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC (MI)

I called Loancare XX/XX/XXXX I was told over the phone that Im in foreclosure. I had not been notified via mail email or phone before that call. I was told I need to submit an application for mortgage assistance right away. He sent the application and it did not come to my email until the XXXX of XXXX. 5 days later. I lost 5 days worth of time right there to submit the application. I sent the application completed that evening. I followed up and was told I was missing documents, I resent another email with the missing documents requested, I followed up again and was told to call back the next evening, Losing yet another day, I called back when I was told and that agent told me that the emails cant be two separate emails they wanted the application all in one. So I submitted it again. I called to follow up the next day, I was told that because the email was too large they could not open the email how it was sent and they are not allowed to open the link it converts itself too when an email is too large. Then they gave me an impossible task, they wanted 50+ pages sent in 1 email and it must be under 25 mb for them to open the email. I tried two more times, I even tried XXXX which is a site that lets you send large files in one document. They refused that as well. Eventually I faxed it over on XX/XX/XXXX. I called XX/XX/XXXX the team my application goes to wasnt even notified my application had been faxed. Ive talked to agent after agent and department after department and no one told me I was too late. Now that Ive submitted my application and I jumped through all the flaming hoops and did my best efforts for my part, now theyre saying my application will not be reviewed because Im too close to my sale date and they never gave me enough time and wasted a lot of my time needed for review. Now my house is up for sheriffs auction XX/XX/XXXX XXXX