davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-07-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I am a mortgage customer of Carrington Mortgage. I am writing to file a complaint regarding the misapplication of my mortgage payments. 

XXXX years ago, I set up my mortgage payments to be made semi-monthly through the bank 's online system. This set up was intended to reduce the overall interest paid over the life of the loan and to align with my payroll schedule. I have been making semi-monthly payments of {$1000.00} on the XXXX and XXXX of each month. 

Despite my semi-monthly payments, the bank has been applying these payments as if they were made monthly. As a result, my payments have not been applied in a manner that would reduce my overall interest as anticipated. This discrepancy means I am not realizing the financial benefits of making semi-monthly payments. Due to the bank 's failure to apply my payment correctly, I expect to lose approximately {$20000.00} in potential interest savings over the next 27 years. This financial impact significantly affects my long-term financial planning and undermines the benefits of my chosen payment schedule. 

I contacted the bank 's customer service on XX/XX/year> and I spoke to a few representatives. I explained the issue and they told me that they would mail me a form to split my payment equally on the XXXX and the XXXX because there was no option for the customer to do so on their current system. They did not offer to correct the application of my payments. 

I am seeking the following resolutions : 1. Correct application of my payments as semi-monthly retroactively.

2. Recalculation of interest based on the correct payment schedule and a refund of any overcharged interest.

3. Assurance that future payments will be applied correctly. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-28
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-28
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. (IL)

In accordance with the Fair Credit Reporting act. 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, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 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 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX date open inaccuracy with all 3 credit bureaus {$1000.00} - original creditor XXXX XXXX  I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX XX/XX/21 $ XXXX original creditor XXXX XXXX  I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX Collections closed due to inaccuracy but needs to be deleted. See attached credit bureau response after re-investigation. I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists.

Credit bureaus are to report 100 % accurate information by law, the above companies were asked to investigate and provide proof of accuracy of these alleged accounts by item of signed contract, note, or instrument showing the accuracy of these accounts and they have failed to do so. These accounts are negatively affecting my credit profile and leaving me under distress.
Consumer complaint received 2024-06-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: EZ Financing Inc (IN)

On XX/XX/year> legal tender of payment was signed and accepted by XXXX XXXX XXXX XXXX XXXX Pursuant to Indiana Code 26-1-3.1-603, tender of payment for the full amount was refused by XXXX XXXX XXXX XXXX Pursuant to UCC 3-603, If payment is refused, discharge to the extent of the of the amount of the tender shall have the right of recourse. My payment was ignored and shredded according to General Manager XXXX XXXX. XXXX XXXX refused to give me back my rightful ownership of the vehicle. He also said that I gave him a payment he was unable to cash verified by his lawyers and bank manager at XXXX XXXX XXXX XXXX. 

Pursuant to 15 USC-1605 Determination of finance Charge, my credit was extended to XXXX XXXX XXXX and all sections below were violated due to dealer fraud. XXXX XXXX XXXX also mentioned that I be made the decision to not give me my vehicle back and that I would need to seek a new lender for the vehicle within 10 days. As the original creditor and securities lender to this transaction, this is dealer fraud.

Please see 12 CFR Part 1026.10 ( 4 ) ( I )
Consumer complaint received 2024-09-13
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)

Hi Equifax, I don't know what is going today I am checking my credit report again and still see those fraud inquiries that shall be deleted from my credit report. 
I spoke with the fraud team and they told me I have the right to request those fraud inquiries below for deletion. 


XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX  XXXX XXXX, INQUIRY DATE : XX/XX/year>
Consumer complaint received 2024-04-28
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. Date : XX/XX/XXXX XXXX XXXX  Address Phone number XXXX XXXX XXXX XXXX, DE XXXX. Date : XX/XX/XXXX
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXXhas been reporting erroneous information to my credit report. I have outlined all of the errors in my attached screenshot. This is making it extremely hard for me to get a home for my family. These errors are unlawful according to the FCRA please remove immediately from all reports because Im have the right to a fair and accurate credit report.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NV)

XX/XX/XXXX : XXXX {$110.00} XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX {$4.00} XX/XX/XXXX : XXXX XXXX {$4.00} XX/XX/XXXX : XXXX {$97.00} XX/XX/XXXX XXXX XXXX XXXX {$11.00} XX/XX/XXXX : XXXX {$93.00} XX/XX/XXXX : XXXX {$15.00} XX/XX/XXXX : XXXX XXXX {$8.00} XX/XX/XXXX : I was contact by text message from Capital One regarding fraud, I logged onto my online account and found all above fraud. 
XX/XX/XXXX : Filed fraud report with Capital One, and verified I did have my card in my possession. 
XX/XX/XXXX : Capital One closed the card and said they were shipping a new one, I cut up the card I had in my possession. 
XX/XX/XXXX : Received letter of denial stating either me or someone I know is benefiting from the fraud. 
XX/XX/XXXX : Contact Capital One and was told that the decision was final, and the Fraud reps name was XXXX and she was located in the XXXX and was unable to provide me with a Manager. 
XX/XX/XXXX : Police Report Filed
Consumer complaint received 2024-07-16
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$28000.00}.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion, XXXX and XXXX will not allow me to dispute this item that is now " Paid '' due to constant issues with them deleting the account history status that is recorded monthly since opening account of which caused a 'LOWER '' scoring model to be used on my credit report. It is showing " Missing Status History '' Currently but has been " Paid '' on XX/XX/2023.
Consumer complaint received 2024-04-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TN)

In response to MIDLAND FUNDING MANAGEMENT, per CFPB complaint XXXX this company has stated they filed suit against me. Per the Fair Debt Collection Practice Act 15 USC 1692i Legal action by debt collectors ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. The law prohibits debt collectors from taking legal action. A summons was not served to me. I did not receive a summons regarding this matter. The validation documents that were said to be mailed and delivered was not received. Per 15 USC 1692g we are allowed to request the chain of assignment regarding the alleged debt, a contract bearing our signature, and if there is insurance on the debt. We are allowed to ask questions legally because of fraudulent and deceptive practices by unlawful companies and their erroneous behavior. A debt has to be legally, accurately, and adequately proven in order to be validated. Information can in fact be fabricated so it is a legal right to request this information as there are in fact debt collection companies who have been banned, flagged by the FTC for habitual abusive and deceptive practices and behavior. We have a right to ask questions and to request relevant information because it would be ignorant to do as you say without legitimate proof of claim. It has also been noted that MIDLAND FUNDING MANAGEMENT communicates with symbols in their letters which is prohibited by the FDCPA per 15 USC 1692f ( 8 ) ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. It is my legal right to request information regarding my private information. I also requested proof that MIDLAND FUNDING was legally given permission to obtain my personal private information such as my SSN per 5 USC 552a Privacy Act of 1974. I am still requesting this information. As you attempt to collect any debt it is imperative that you follow all legal compliance procedure exceeding that of the Debt Collection Rule under the FDCPA. I am also aware that this collection company has not furnished information accurately to my consumer report. The date the account was posted/open does not reflect the payment history of the account when the notation was first marked with the collection notation. The account was notated to months after the account was open. This is in fact inaccurate, and it infringes the FCRA 15 USC 1681s-2 and 15 USC 1692d ( 1 ).
Consumer complaint received 2024-04-28
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. (IL)

I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 
Here are the specific items in contention : XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. Thank you in advance for your immediate attention to this matter.