davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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. (FL)

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

" Your agency is in violation!

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. 
Delete this immediately.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-04
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. (IL)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Consumer complaint received 2024-06-05
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. (SC)

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 2024-06-05
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)

XXXX XXXX XXXX Account Number XXXX. I recently took a look at my credit report, I noticed that you are reporting this account incorrectly This collection account is reporting not as OPEN but, shows a past due balance of {$540.00}. According to the FCRA, I have right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2024-06-03
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)

I was an authorized user on a XXXX credit card account. This account was opened in XXXX of XXXX. The account was charged off in XXXX of XXXX and settled in XXXX of XXXX. I have requested removal of this account from my credit report however all XXXX did was update it to reflect that the charge off was settled. I have made multiple requests and still it remains.
Consumer complaint received 2024-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I always make my payment online through my banks bill pay to my mortgage company Nationstar. On XXXX XXXX my bank XXXX XXXX sent a payment to Nationstar and it was rejected I did not know that. I received email form Nationstar that I was late and I called Nationstar to let them know my payment has already been sent to them my usual way by my bank and I see the debit in my account. I got XXXX XXXX on the phone XXXX way to confirm the payment. The customer service lady told me I should wait since it takes a couple of days for the payment to post. Yesterday XXXX XXXX, I noticed the credit in my account called XXXX XXXX and was told Nation Star has rejected the payment again XXXX times that was the reason for the credit and we went through verifying that my Nationstar account to be credited was correct. I called Nationstar and this time when I explained what XXXX XXXX said that Nationstar had rejected the payment twice, Nationstar proceeded to say the reason for the reject was because it has to be certified funds. I asked how certified does the funds has to be, cashiers check XXXX XXXX etc because I could not even make a payment on Nationstar website my account was blocked. I asked why was this not communicated to me earlier so I could have taken care of this sooner than now. I was told they send me mail. I said to them ever since my account was transferred to Nationstar all communications from us has been electronic why did they not send me such an important document the same way but chose to send it by paper mail. Bottom line is I have gone to XXXX XXXX today to make the payment I just do n't think I should be reported to the Bureaus as late when I made the effort to make a payment. If they had told me the XXXX time when I called that my payment was not going to be accepted that way because of the block on the account I could have taken care of the payment before it became late. I can not even refinance with Nationstar because of the late payment. 
If its XXXX intention for us to lose our home its not going to happen.
Consumer complaint received 2023-10-25
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NY)

I had a mortgage with Wells Fargo since XXXX on an condo in XXXX, WA. I had set-up an auto-payment that pays the mortgage from my checking account every months. This year I was out of the US from XX/XX/XXXX to XX/XX/XXXX on a family medical emergency. During this time in XX/XX/XXXX, Wells Fargo sold my loan to XXXX and sent an mail to a postal address where I lived XXXX ago. Wells Fargo did not send me any emails with this notification. As a result of this I did not know that my loan was no longer with Wells Fargo and it had transferred to XXXX. As a result of this, I am 60-days late on my mortgage payment because I was under the assumption that my loan was getting paid by the auto-pay to Wells Fargo. I got to know about it during a Credit History Check and I immediately paid the full amount that was due. The delinquency status on my credit history is hurting me to get any loans and I am planning to invest in Real Estate. Wells Fargo is at fault here, they did not do their due diligence in ensuring their customers are aware of their loan transfers. Before this incident my credit score was XXXX and today it is XXXX, this has hurt my years of financial health. I am a productive professional in the XXXX XXXX with a good income. I have paid all of my dues in a timely fashion. I should not be the one suffering because Wells Fargo did not inform me.
Consumer complaint received 2023-09-16
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: EQUIFAX, INC. (IL)

XXXX XXXX Account # : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX 15 U.S. Code 1666b - Timing of payments ( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the
Consumer complaint received 2024-07-30
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. (CA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC ReportXXXX regarding the account that do not belong to me.
Consumer complaint received 2024-06-04
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. (SC)

This account was charged off on the following date ( XXXX XXXX  ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WY)

I checked my credit report on XX/XX/XXXX to see an account for PORTFOLIO RECOV ASSOC for XXXX XXXX XXXX XXXX XXXX. that is invalid. I have never received any correspondence about any of the account listed on my credit report, nor did I receive any right to dispute or a debt validation and never received a debt verification per the Fair Debt Reporting Act. I am supposed to be notified of any pending debt and given a chance to dispute or resolve the debt before reporting. XXXX - XX/XX/XXXX - {$460.00}.
Consumer complaint received 2023-10-25
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)

A charge off means that a lender or creditor had written the account off as a loss and the account is considered to be used as income when filling taxes for the consumer which mean it should not be used to be reported on credit report. According to 15 U.S.C. 1681 ( 1 ) the banking system is dependent upon fair and accurate credit reporting. In accurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The charge off of this account reporting a late payment is a clear violation of the FCRA law. Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions. The information on two different credit reporting agencies is reporting two different information and dates do not match
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written intrusions. 
XXXX. XXXX XXXX XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. 
XXXX XXXX XXXX XXXX  Balance Contacted the Buraus to notify not my account. XXXX. XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. XXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. XXXX XXXX XXXX  Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXXXXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

I ordered some items using my JC Penney mastercard ( not from JC Penney, from another site ) on XX/XX/XXXX. The items were delivered to me. ( amounts of {$6.00} and {$7.00} ) When I received my statement from the JC Penney Mastercard, there were two additional charges on my account that were from the original sites I had ordered from, but in the amounts of {$110.00} and {$82.00}. I had NOT ordered anything else from these sites, and I immediately contacted the fraud dept. at the card 's website. They started an investigation and reversed the charges. I then received notification that my claim had been denied because the items were shipped to my address. The charges reappeared on my credit card. I contacted them again TWO more times and told them that I had never ordered any more items, and nothing had ever been delivered to me. Each time I received notification that my claim was denied, because the items had been shipped to my address. I spoke with the fraud department at Synchrony Bank on XX/XX/XXXX and they were going to open my case again ( which had recently been denied again ) and get back to me. I am frustrated and angry.
Consumer complaint received 2023-10-26
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. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.