davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is showing an account on my credit reports. This account had an initial delinquency date of XX/XX/XXXX However they are reporting the initial deliquency date as XX/XX/XXXX No payments or promises to pay have been made sense XX/XX/XXXX so this account should no longer be on my credit reports. 

re-aging is a violation of the FCRA
Consumer complaint received 2023-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (GA)

I got the loan in early XXXX with XXXX XXXX. They sold the loan on XXXX XXXX  XXXX to Flagstar bank. ( Flagstar will claim it was XXXX XXXX XXXX but I have documentation showing it was the XXXX. ) We were out of town until after the loan was closed, when we returned we were moving. From what I understood, we had 60 days leeway until we had to make a payment. I wasn't in a position to make a payment because of coming back and trying to move into the new house so I was planning on using some of that 60 days. 

Today is 26 days after flagstar purchased. I've received a notice from flagstar saying my account is overdue and has been forwarded to collections. I set up my online account and logged on. The site shows I can not make an online payment because the account is in collections. When I call, I'm told I have to make a phone payment with their collections agency instead of a normal payment because my payment is past due. 

According to your website my account can not be considered past due : 1024.33 part 33c paragraph 1 : " Payments not considered late. During the 60-day period beginning on the effective date of transfer of the servicing of any mortgage loan ''
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

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. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I dont think you realize just how stressful this situation is for me. These inaccuracies on my credit report are making things even worse, and its like a never-ending nightmare. Ive been trying to get this fixed for the past XXXX months and havent heard back. Im really struggling here and need this resolved urgently.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax 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. 


Equifax 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

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 2 out of 3 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. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-11
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 am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

This needs to be investigated and escalated immediately. In XXXX and XX/XX/year>2024, Discover credit card services sent me a letter stating that this account would be reported to the credit bureaus as 'DISPUTED '. THE SAME INFORMATION WAS GIVEN TO THE CONSUMER FINANCIAL PROTECTION BUREAU STATING THE SAME THING, THAT THE STATUS OF THIS ACCOUNT WAS GOING TO BE REPORTED AS DISPUTED. UNFORTUNATELY, THIS IS NOT THE CASE AS THEY HAVE REPEATEDLY REPORTED TO THE BUREAUS THAT THIS ACCOUNT IS CHARGED OFF AND OR DELINQUENT. THE REASON I AM DISPUTING THE STATUS OF THIS ACCOUNT IS FOR THEIR MISHANDLING OF PRIOR PAYMENTS MADE BY ME AND SO LONG AS I AM FIGHTING THIS WITH DISCOVER THEY SAID THEY WOULD REPORT THIS AS DISPUTED AND WOULD REPORT IT AS SUCH UNTIL I, THE OWNER OF THIS ACCOUNT, WOULD ADVISE THEM TO NO LONGER REPORT IT AS SUCH. WHAT DISCOVER SAYS AND DOES ARE TWO COMPLETELY DIFFERENT THINGS NEVER FOLLOWING THROUGH ON WHAT THEY SAY AND WHAT THEY NOW HAVE PUT INTO WRITING. WHILE I AM IN FACT PURSUING LEGAL ACTION AGAINST THEM THEY SIMPLY SEND A REPORT TO THE CONSUMER FINANCIAL PROTECTION BUREAU STATING HOW THEY'RE GOING TO RESPOND THEN KNOWINGLY RESPOND OPPOSITE TO THEIER STATED ACTIONS. THIS HAS CAUSED DETRIMENTAL EFFECTS TO MY CREDIT SCORE MY CREDIT REPORT AS WELL AS AFFECTING MY WELL-BEING SINCE THIS ACCOUNT, AND ONLY THIS ACCOUNT, IS CAUSING MY CREDIT REPORT TO LOSE XXXX POINTS SIMPLY BECAUSE THEY REFUSE TO REPORT IT AS THEY SAID THEY WOULD, 'DISPUTED '. IN THE LETTERS THEY ALSO STATE THAT SHOULD I HAVE ANY QUESTIONS TO SIMPLY CALL THEM AT THE NUMBER PROVIDED. UNFORTUNATELY, THIS IS ALSO SIMPLY STATED TO MAKE IT APPEAR AS THOUGH THEY ARE WILLING TO DISCUSS THESE ACTIONS AGAINST ME BUT FOR WHATEVER REASON I AM UNABLE TO CONNECT TO ANYONE NOR DO THEY RETURN ANY OF THE MESSAGES THAT I HAVE LEFT AND THERE HAVE BEEN SEVERAL. THEY'RE REPEATED ACTIONS NEED TO STOP AND THEY NEED TO SIMPLY DO WHAT THEY SAID THEY WERE GOING TO DO AND WHAT THEY NOW HAVE WRITTEN THEY WERE GOING TO DO.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

This is a formal demand for the deletion of inaccurate and unauthorized bank account unverifiable information listed on my Early Warning consumer report. As previously stated, I am a trust beneficiary and have **never** held any bank accounts. On XX/XX/XXXX, Early Warning responded to my dispute via email and claimed that all pertinent information was reviewed with the furnisher. However, the response failed to include critical details I requested, I ask for the name of the man or woman who reviewed the case or documentation of this investigation, all documentation and an notarized affidavit which is required for verification by law. Early Warning if you and the furnisher review the " information '' then What is the name of the man or woman at early warning and the furnishers who reviewed and conducted the investigation.. the fact you failed to provided shows no man or woman is verifying this and it is not accurate and needs to be deleted. Early Warnings your response further states that you do **not have access to account documentation**, directing me to contact the furnisher directly for such records. According to FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), Early Warning, as a credit reporting agency, is obligated to provide any documentation obtained during the reinvestigation process upon consumer request. This lack of access implies a failure to meet the legal standards for a thorough reinvestigation, as you can not verify the accuracy of the accounts listed. And if you do not have access to the documentation how can you do a through investigation. In the absence of account documentation, Early Warning is unable to confirm the accuracy of these accounts. Therefore, this information must be **removed immediately** from my report, as mandated by the FCRA when the accuracy of data can not be substantiated. Also to clarify, I have already spoken with each bank involved including XXXX XXXX XXXX, and they directed me to dispute all fraudulent information directly with Early Warning. As a credit reporting agency, Early Warning is required to comply with FCRA provisions and delete any unverifiable information.

If Early Warning does not fulfill this demand, I will proceed with ligation
Consumer complaint received 2024-10-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

I am submitting this to dispute the debt of XXXX. XXXX XXXX XXXX. 
I never received a letter in the mail regarding this debt. I spoke to the company, and they said that they mailed it to my previous address in XXXX, when the account opened, yet they admit to the letter being retuned to sender and not trying to resend the letter. 
I had moved out of my old apartment by XX/XX/XXXX. I still returned multiple times to the apartment complex to pick up a package that was delivered by error and to see if I got any mail that didnt get redirected. After XXXX I began getting all my mail to my new address. 

I received an email on XX/XX/year>, with an attachment about my final statement with the company, but it does not include any contact information. The email was sent under a no-email address. 

XXXX XXXX XXXX got in contact with XXXX XXXX on XX/XX/year> and said that we needed to pay the full amount by XX/XX/year>, after that date it will reflect on our credit as a collections account. He told them that he needed to speak with me regarding this issue. 
I called them soon after and no one responded. I called hours later, and I got in contact with a representative, we spoke about the account, and I told her that I was not able to pay that by the date given. She then asked me to provide her personal information to see if the company will be able to work with me, to this day I am not sure what she needed that information for since she never told me anything after. 

I asked if I could speak to a manager regarding this issue, she contacted me to her manager, XXXX XXXX, which I had to explain the whole situation to. I told XXXX that I never received anything in the mail, which she admits they got the letter returned. I asked why I was never left a voicemail when they called during the day, XXXX said that the law doesnt allow them to do that. I told them that I work all day and all calls are blocked, if I receive a voicemail I will call back, but if no voicemail is left, I will honestly just consider it a spam call. 

I told her that I knew about that amount, and that I am willing to pay the full amount, but I can not do it by the XXXX. XXXX then said that the amount is due on the XXXX. I told her if I could speak to XXXX regarding this issue, XXXX said that if I hang up now it will mean Ill be declining any agreements weve made during the call, but we had made no agreements. I then had to provide my debit card number to put the account on HOLD until the XXXX. They were not willing to offer me any sort of payment arrangements. 

I then got an email on XX/XX/XXXX saying that this account is now on my credit report. XXXX XXXX had confirmed to me that it will show on my credit report after the XXXX. They asked me for my debit card information so it can put the account on hold. 

I know by Law I need to receive a letter in the mail regarding this debt, in which I never did.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (MN)

XX/XX/year> I had an unauthorized transaction with my XXXX XXXX  account. I have never used XXXX before. XXXX dollars was stolen from my account. I called XXXX XXXX and they said it was authorized. I said it was fraudulent and they said sorry to hear but we can't so anything about it. Then there was excuses of pending vs not pending or if it was authorized or not and they would change their story and ended the conversation with no resolution.
Consumer complaint received 2024-09-11
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. (NY)

Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( XXXX U.S.C. XXXX ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The account in question does not belong to me, and I have serious concerns regarding its validity. I have previously requested documentation, including the purchase agreement and any other supporting documents, to prove full ownership of this account. To date, I have not received sufficient evidence to verify that this account belongs to me.
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: EQUIFAX, INC. (WA)

In accordance with Fair credit reporting act, the list of accounts below have 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602a. States that I have the right to privacy.

15 USD 1681 section 604a section 2 States and consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) ( 5 ) 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 antidotes the report by more than seve years.

15 USC 1681 s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

i, XXXX XXXX am a victim of Identity theft. On XX/XX/XXXX and XX/XX/XXXX, I submitted disputes regarding all fraudulent bank accounts listed on my Early Warning file. I am a trust beneficiary and family has had trust for me since i was born and i never needed a bank account. Today, on XX/XX/XXXX, I received an email response from XXXX XXXX  stating that XXXX XXXX XXXX reported the information as " accurate and complete '' I require you XXXX XXXX to provide all documentation related to your investigation, XXXX. ) include interview records. XXXX ) All communications with XXXX XXXX XXXX  XXXX ) Also I need to know the name of the woman or man who verified the account as accurate? All this information need to provided to me for all bank listed in my file. All documentary material from your investigating need to be an notarized affidavit from the man or woman who verifying these accounts under penalty and perjury. XXXX XXXX you have XXXX  days XXXX. If the name and documentary information I am requesting is not furnished to me it proves that no man or woman has verified these fraudulently bank accounts and thus must be deleted from my report immediately!