davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute unauthorized and inaccurate credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
Details of Disputed Entries : Creditor Name : XXXXXXXX XXXX XXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XX/XX/XXXX - XX/XX/XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 
A charge-off should not have a past due balance or be reported as past due once the account is sold. It is considered as income since the alleged account has been written off by the debtor. 
Inaccurate reporting of this charge-off account can be damaging and may be considered defamatory. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e : Consumer reporting agencies must follow procedures to ensure the accuracy of the information in consumer reports.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

American Express continues to rebill a merchant with a fraudulent transaction. The merchant has not delivered product which has been repeatedly shown and keep getting awarded a rebill of funds. This entire transaction is legally in favor of me the card holder. There was a clear quid pro quo ( another illegal action ) that happened and have been within my rights as a consumer in CA. all transactions are under question now as the cc company can not/ will not protect me from fraudulent transactions. They cc company refused to return annual fee once membership and trust had been compromised.
Consumer complaint received 2024-06-02
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. (CA)

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. 

I have informed XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A : states I have the right to privacy.

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 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CT)

I took out a mortgage loan in XXXX with XXXX. Which was sold in XXXX to XXXX XXXX XXXX who then sold it to Nationstar in XXXX. In XXXX we did a modification with Nationstar. Recently my husband and myself reviewed a copy of our credit report only to see for the last 2 years Nationstar has been reporting inaccurate data to the credit bureaus. They are reporting that my husband and I are anywhere from XXXX XXXX to XXXX XXXX behind in our mortgage and 30 to 60 days late. It depends on which report is pulled at the time. Also when the mortgage was modified we were told what the new loan amount would be. They also have it showing on our credit report as if we are over limit on out loan. It shows loan balance XXXX XXXX then it shows highest balance XXXX. This was all included in our modification. I feel this information is wrong. It is making my husband and myself look like we are people just trying to get over when we are actually 2 people working hard to give our kids a better life. This is Defimation of our character and credit worthiness
Consumer complaint received 2024-06-02
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)

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX ncorrect CurrentAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Incorrect Name : - XXXX XXXX ncorrect Name : - XXXX XXXX XXXX ncorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

MY IDENTITY HAS BEEN COMPROMISED DUE TO DATA BREACH AND I AM SEEKING REMOVAL OF AFFECTED ACCOUNTS FROM MY CREDIT REPORTS. I HAVE ALREADY FILED AN FTC REPORT AND CONTACTED THE CREDIT BUREAUS.
Consumer complaint received 2024-06-02
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: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX AMERICAN CREDIT ACCEPTANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX CAPITAL XXXX BANK XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX AMERICAN CREDIT ACCEPTANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have an account listed on my credit report from XXXX XXXX XXXX XXXX. When I view my credit report the account is listed in collections and fails to state who the original creditor is. I had recently attempted to contact XXXXXXXX XXXX  XXXX to see who the original creditor is as its not showing that information on my credit report. The representative I spoke to with XXXXXXXX XXXX XXXXXXXX tell me that they no longer have the account and I would need to speak with someone from a different agency to verify the information and make payment etc. They give me the phone number to XXXX XXXX XXXX  and I contact them. After verifying the original creditor and me realizing the account is mine I make full payment to XXXX XXXX XXXX. The credit reports should have reflected accurate information. I want this account removed off my credit reports since I did pay in full.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

I pulled my XXXX XXXX XXXX because Im DENIED for a bank account from XXXX. 


It stated I had a NAVY FEDERAL ACCOUNT THAT WAS CLOSED DUE TO FRAUD. 


I explained to them I then that was not me who placed a check on my account. They stated I did fraud which is INCORRECT. 

THEY WERE RUDE AND STATED I COMMITER FRAUD. I have XXXX XXXXXXXX and a credit union and had never did anything. And they closed my account and left my SAVINGS OPEN. 

If Im not gon na get my account back they need to remove this red flag because I cant get any bank account. This accusation is incorrect I cant get a bank or an apartment because of this INCORRECT ACCUSATION
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My card, accounts and person identity was comprised. There was two fraudulent chargers for XXXX and XXXX made to XXXX XXXX that was not authorized by me. Bank of America isnt investigating this because they say I had a previous history with this merchant. Never have I made transactions this high and nor have I authorized these charges. I have filed a police report and provided this to Bank of America and they refuse to properly investigate this. Please help as this has put me in financial hardship.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Number : XXXX XXXX  Account Number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Number : XXXX  Account Number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2024-06-01
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-15
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: NAVY FEDERAL CREDIT UNION (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-06-02
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: EQUIFAX, INC. (NV)

I did not apply for credit with XXXX XXXX XXXX XXXX XXXX. I did not apply for XXXX XXXX. XXXX inquiries are on my credit file are fraudulent. Identity Theft Report Filed. XXXX.
Consumer complaint received 2024-08-22
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. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$35000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

NationStar has repeatedly made erroneous charges to our mortgage account, continue to bill us for tax and insurance escrow though we pay our taxes and insurance directly to providers/county and they have reported inaccurate information to the credit bureaus ( ie. stating our account was discharged with a bankruptcy when it was not, showed our account paid in full when it is not and then ultimately deleted the reported account entirely rather than correcting it when a dispute was filed ). NationStar 's practices seem predatory and their telephone staff spend an enormous amount of time transferring us with no resolution to issues.
Consumer complaint received 2024-07-08
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. (NH)

Experian is being prejudice. Experian is hiding XXXXXXXX XXXX XXXX from my credit report.in attempt to stop me from filing a dispute deny me the right to file a new dispute old report # XXXX XXXX XXXX. Experian is being prejudice by not updating my credit report. Experian has been treating me unfair by looking at my supporting evidence that supports my dispute. Experian has been prejudice against me by allowing illegal credit score dropping as well and harshly. for example, XXXX XXXX closed my acct due to their error ( XXXX  error ) submitted letter of error to Experian they Experian drop my score XXXX points for a " safe '' credit building card. that i put my money in. XXXX  allowed a transaction to go through on a canceled credit building card that was canceled due to fraud. XXXX  punished me because they messed punished me for their noncompliance after many XXXX XXXX policy was its our money its a safe secured card it won't affect my credit but then they closed me out unfairly and Experian backed them up and despite the facts and evidence letter from XXXX  stating the error was on XXXX behave Experian refused to restore my XXXX point that were unfairly dropped..
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Equifax mistakenly listed my truck as charged-off, but XXXX XXXX denied ever reporting it as such. After speaking with a supervisor and the compliance office at XXXX XXXX, they confirmed that my account was not charged off and attributed the error to Equifax. They assured me that they would investigate the matter. The call with the compliance office took place on XX/XX/XXXX, while the conversation with the supervisor was on XX/XX/XXXX. Due to this reporting error, my credit score has dropped by XXXX points, which could impact my ability to secure future vehicle financing. I suspect that someone from XXXX XXXX may have reported this in retaliation for my frequent disputes. I have come across similar cases on the XXXX  website and am considering seeking legal advice to rectify the situation. I urgently request that the incorrect information be removed without delay.
Consumer complaint received 2024-06-26
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)

Reporting of these accounts listed below on my consumer report without my consent. These are in violation of U.S.C Code 6801 Protection of non public information and U.S.C Codes 1681b and U.S.C Code 1666b illegal reporting of lates Permissible purposes of consumer and reporting time to make payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-06-02
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)

" I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible. ''