davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
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. (PA)

On XX/XX/year>, Victim was not availed the opportunity to submit an online dispute via the Companies listed Dispute resolution center. There is not now, nor has ever been an effective dispute resolution process at XXXX. In order ton file a dispute, a victim must pay a {$26.00} fee to be eligible to file a dispute. 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] I, ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) XXXX XXXX XXXX ) Do hereby attest that I am a XXXX XXXX XXXX for purposes of section 605C of the Fair Credit Reporting Act.Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act. The Federal Trade Com- mission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this title and to require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this title. Any person violating any of the provisions of this title shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission Act as though the applicable terms and provisions of such Act are part of this title. State governmental entity. The Bureau proposed treating documentation of a determination that a consumer is a XXXX XXXX XXXX by a State governmental entity as including documentation created at either the State or local level. The Bureau noted that local law enforcement, as part of a local government, may have documentation of a determination identifying XXXX XXXX XXXX, including, but not limited to, items in a police report.
Consumer complaint received 2024-06-15
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. (IL)

I have repeatedly kindly requested credit bureaus to reinvestigate inaccurate and incomplete information reporting on my credit report and to correct all accounts that is inaccurate and incomplete I've been so very patient with Experian, XXXX, and XXXX I have sent letters to the company on XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX asking EXPERIAN, XXXX, XXXX TO send me the original documents that they are using to report these serious errors. I have not received any proof of these original contracts it has been more 90days they continue to give me a run around... it is already hard enough with how the inflation with the economy is going it is hard please help me get this resolved as soon as possible.
Consumer complaint received 2024-06-16
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. (SC)

I've recently checked my credit report and noticed some inaccurate accounts reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I am writing to dispute the inaccurate and inconsistent information reported across all XXXX  major credit reporting agenciesXXXX, Experian, and XXXXregarding XXXX of my accounts. These discrepancies include conflicting account balances, payment histories, and account statuses. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and consistency of the information they report ( 15 U.S.C. 1681e ( b ) ). Given the significant inaccuracies and inconsistencies in the reporting of this account, I request that the account in question be thoroughly investigated and subsequently deleted from my credit report. Please see screenshot attached :
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

Company, Experian has updated the consumer report to reflect updated credit score. As of XXXX XXXX changes were made without no changes. I ask Experian update the correct score to reflect the consumer report.
Consumer complaint received 2024-06-15
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. (IN)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-15
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. (CT)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-15
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. (FL)

Re : Remove Incorrect Information I have been trying to get this issued resolved for a while now. 

I disagree with the items listed below which shows that the account is in collection, and it has a balance of {$89.00} which is in correct, and I have attached a copy of the receipt and bank statement transition showing that the balance was paid on XX/XX/year>. Please update this information as soon as possible. 

XXXX- # XXXX Please forward me an updated credit report after you have completed your investigation. 

Your cooperation and prompt attention on are greatly appreciated. 
Best Regards
Consumer complaint received 2024-06-15
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. (TX)

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 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 XXXX XXXX XXXX XXXX XXXX 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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with DEPT OF EDUCATIONXXXX 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 XXXX 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. DEPT OF EDUCATIONXXXX 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 2024-07-11
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (IA)

My mortgage is a reverse mortgage. The company is PHH Mortgage. All of a sudden, they decided that I had not paid my insurance. So, they got an insurance policy and charged me for it. My insurance company had renewed my policy on XX/XX/year>, as they have every year that I have had the mortgage. I had to have the insurance send copies more than once, but they didn't accept it until they say that it was not in a timely manner, and I was in default, so they sent an assessor to assessor the property. Then they decided I had not paid my taxes. I had to send them multiple times before they accepted it. Now they want me to pay the assessor because they say I was in default which I was not. It was their screw up. I did reverse mortgage so I could retire and take care of my XXXX husband. I don't have the extra money. We just had the house sided and a new roof because of XXXX XXXX. I have copies of my payments to both and a copy of the first time the insurance policy was sent.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I scheduled automatic payments through XXXX XXXX to pay my Fifth Third Bank credit card bill. Until XX/XX/year>, these payments were consistently made on time, by the XXXX of each month. However, starting in XXXX, XXXX XXXX claims a technical issue with Fifth Third Bank 's system prevented electronic payments. They resorted to sending checks, causing delays and resulting in late fees totaling {$140.00}. Neither bank is taking responsibility, leaving me to bear the financial burden of these penalties.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It is of utmost importance that prompt measures be taken to prevent the usage of fraudulent accounts that have been bought to light as a direct consequence of the Equifax data breech/identity theft. In light of ongoing investigation by the federal trade commission it is incumbent upon us to comply with regulations laid down in the fair credit reporting act section 605B, which mandates the blocking of such information until the investigation is concluded. As such, it is imperative, that we take Swift and decisive action to protect our customers and uphold our commitment to compliance and security. Continue unauthorized inquiries XXXX XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX via dealer XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Credit Human FCU-DIR XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX 2023
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MS)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Employer - XXXX XXXX Incorrect XXXX : - XXXX Employer - XXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Employer - XXXXXXXX XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-02-18
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. (FL)

I am submitting this Complaint regarding the fraudulent items I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I need you to remove from my Crediet File : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} Opened XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX BANK Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX BANK  Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX. With you not sending me any documents to support your claims that the disputed items belong to me, I have been expecting immediate deletion of the disputed items off of my Credit File.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 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 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 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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, 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 anyway To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, I received a payment in the amount of {$9900.00} from XXXX, which is a federal agency, for miscellaneous business consulting work. XXXX paid for my services via XXXXWePay with their purchase card. 

The following day WePay notified me that the payment was flagged for as " high risk '' for chargebacks. I did not understand how my account nor payment was flagged because it was my first deposit/payment. In addition, I have had a personal bank account with Chase for more than 10 years. 

I subsequently responded to the email and provided the requested information : IRS document with EIN number ; New York State Articles of Organization documents ; invoice to XXXX ; and a link to my personal XXXX page. The latter was denied as a valid form of identity. I communicated to the WePay representative that I recently formed my business and had not taken the time to finalized my business website because I have a full-time job. I did not want to send clients to an incomplete website, thus I provided my personal XXXX website as proof of my identity and experience in the field associated with my XXXX XXXX. 

Nonetheless, the WePay representative rejected my documentation and deemed my account as high risk. This is EXTREMELY surprising given that my client is a federal agency which I stressed my than once to the WePay representative. 

As a result of my funds being withheld, I have had to delay my work with XXXX which compromises my ability to secure more work with them. In addition, I have been unable to secure requisite materials to adequately run my business like a post office box or hiring a web designer. 

In short, I would like my rightful earned money as soon as possible.
Consumer complaint received 2023-12-01
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. (DE)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.