davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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 write to advise that my XXXX XXXX XXXX Bank all contain inaccurate and missing payment, balance, notice of disputes, fatally false date of first delinquency and other mandatory data which is missing from my credit reports as set forth in the attached Experian credit reports. 

I am the prevailing party in arbitration and court litigation for which XXXX  claims have been extinguished under the XXXX XXXX XXXX of Federal Rules of Civil Procedures further automatically staying and barring relitigation and presenting balances above {$0.00} as {$0.00} is owed. 

I have attached copies of inaccurate and incomplete missing payment and balance data which must be presented to XXXX for investigation in detail without providing a meaningless XXXX digit code. 

I request that Experian process this dispute, advise XXXX and other CRAs of the dispute and perform the request investigation which would include hundreds of pages regarding the specific XXXX XXXX extinguishment.
Consumer complaint received 2023-09-21
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. (CT)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. 
I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Someone opens a line of credit using my information on XX/XX/2022. 
The line of credit was opened with XXXX, thus incurred a hard inquiry and credit limit of {$3900.00}. 
I've contacted XXXX about that fraudulent activity in which they said a dispute and a report to the fraud department will follow.
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AUSSRQ Holdings, LLC (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

These accounts, XXXX XXXX and XXXX XXXXXXXX do not belong to me and are closed, so they must come off. I also said that XXXX XXXX  XXXX ( late payment ) and XXXX XXXX XXXX XXXX ( late payment ) have never been late and must be updated. I also did not open any new XXXX  loans in XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX, so that also needed to come off of my report. These both have the same account number and are for the same amount. This appears to have been opened in XXXX. There is a collection on my report from XXXX XXXX XXXX XXXX. They are reporting negatively on my report, and I wanted them removed. The only response I received was that someone would call me back. I never got a call back ; it was only a notification that the information was correct. I have not applied for new cards or accounts, but I see XXXX forms for XXXX. 

My correct address is not listed on the report ; a few other addresses are deliverable and belong to someone else. I told them all its information, and they have done nothing. Meanwhile, I still get alerts that my information has been compromised. All of this needs to be corrected as it Is causing me undue stress and hardship.
Consumer complaint received 2024-10-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

Jefferson Capital Systems contacted me to collect debt. I sent a letter asking for XXXX. Proof that Jefferson Capital Systems legally owns this debt, including documentation of the sale or assignment from XXXX XXXX to Jefferson Capital Systems. 
XXXX. A detailed breakdown of the debt amount, including any interest, fees, or other charges applied. 

They never responded. However they updated my credit report remarks with Account information disputed by consumer, meets FCRA requirements.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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 2024-10-09
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: CREDIT ACCEPTANCE CORPORATION (MI)

Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. THEY KEEP CALLING ME AND PULLING UP TO ADDRESSES WHILE IM NOT THERE THEY XXXX  MY MOM HOME XXXX XXXX THEY SAYING THEY GOT LAWYERS TO SUE ME AROUND MY KIDS THIS IS NOT FAIR AND THEY ONLY CALL TO THEART ME EVERY TIME I FILE A COMPLAINT WITH THE CFPB YALL REALLY NEED TO LOOK INTO THIS COMPANY JUST NOT ON MY BEHALF ON ALL CONSUMERS IN XXXX
Consumer complaint received 2023-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

I booked a flight with a connection so that's XXXX  tickets on XX/XX/year> and I was charged XXXX and XXXX the problem is they charged it XXXX additional times so I was charged 4 times for the XXXX and XXXX 4 times they refunded during the dispute the XXXX additional charges for XXXX and successfully ruled it in my favor but they refuse to give me the XXXX charges back and they won't pursue any investigation on the matter or give me a reason why it's a clear banking error each charges has the same serial number that's over XXXX of my money missing XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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. (NV)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-04
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (NY)

Re ; Account ending inXXXX XXXX XXXX XXXX Program changed its online account access system. Since the conversion, I have been unable to log in to the new account to make payments or review statements. This has been XXXX of this year. I eventually received a letter dated XXXX XXXX from TD Bank informing me that my payment was past due. I then called the contact number and explained the log-in problem and that I had not received paper statements or a mailing address. I was told a statement would be mailed. On XX/XX/XXXX I received a one-page bill indicating the dollar amount due. I then sent a check along with the payment stub in their return envelope. On XX/XX/XXXX, another past due arrived indicating that no payment had been made. The TD Bank website is still non-functional and the people answering their contact numbers have no explanation nor access to statements.
Consumer complaint received 2024-08-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (NV)

Over the past at least 20 years Wells Fargo Home Mortgage has been giving me issues with releasing funds refunded to me wether its from the escrow or refunds from a loan modification that I did with them. My ex husband and I was on a loan together. I filed for divorce and the home was granted to me as alimony in solido. I sent that to Wells Fargo. An escrow check was issued afterwards. I was asked to in order to reissue the check in only my name I needed to get him to write a letter stating that he no longer has interest in the property. I did. It didn't last long because sometime after another check was issued. I called back, then they tell me that I need a Quit Claim Deed signed by him in order to have future checks to only be issued in my name. I had to contact him to get that done, nw mind you I've remarried by this time. I bit the bullet and got that done and submitted. Over the years when a check is issued I've had to call in and resend the same documents that I've sent over 20 times to them. In XXXX I sold the home, without having his signature of course because of the Quit Claim Deed being filed. This week ( XXXX ) I received another check from them mishandling the loan modification in which case I didn't need his signature to apply for that, but I'm being asked to get him to sign another letter. This is ridiculous! The Quit Claim Deed according to my attorney automatically dissolve his interest. They are holding my funds due to me illegally. I am exhausted dealing with these people who willy nilly changes their rules at will. This is something I should no longer have to do. This is my money and they are making it difficult for me to have it. Something needs to be done about this. So per my attorney I am filing a formal complaint for this to be investigated and set right for me.
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

So my loan # XXXX was with XXXX XXXX loans. Last year in XXXX it was transferred over to XXXX  mortgage company. My flood insurance renewal was never processed by the company and by the time I found out it was too late and my policy was cancelled. I then had to get another policy that ran me XXXX times the cost due to their negligence of not paying my insurance on time from my Escrow. This year I asked my insurance agent to send them timely the invoice so they could pay it on time. Email was sent on XXXX  XX/XX/XXXX for quick payment. As of today XXXX  XX/XX/XXXX the mortgage company has still not paid the flood insurance from my escrow account. I spoke to the agent XXXX at ( XXXX ) XXXX she informed me they received the information and the check may be issued today or tomorrow. The insurance quote is only good for XXXX  XX/XX/XXXX. My frustration is that this new mortgage company takes to long to pay and sometime does not pay my insurance on time. Causing them to add mortgage enforced policy at huge amounts. This does not seem fair to the consumer.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I recently had all of my student loans discharged. I informed XXXX, Equifax and XXXX of this and sent them documentation that proves this and they have not updated the information to reflect the loans as having a XXXX balance.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian 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.

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.

Experian 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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Duty pursuant to the FCRA, it is EQUIFAXs duty to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 1 inaccurate late payment for the XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/year>. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-08-27
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. (PA)

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. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-08-26
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. (PA)

I am writing to urgently follow up on my previous complaints regarding inaccurate and unauthorized negative accounts on my credit report. Despite my repeated requests for their removal, these items remain unresolved. This situation is unacceptable and reflects poorly on your agency 's compliance with legal obligations under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-26
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. (MO)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and contingency under15 USC 1681. 

Account name : XXXX Account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602A 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 an account without my written instructions 5 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

I sent XXXX $ from my XXXX  account to my PayPal XXXX XXXX  XX/XX/year>. My account is on a permanent restriction so XXXX cant even access any of the funds. I called them and they said I may be able to access the funds in XXXX days. I need this process to be sooner. The account is on hold because someone sent me money and disputed it when I wasnt the one who told them to send money to my account.