davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Credit card or prepaid 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: Affirm Holdings, Inc (MI)

On XX/XX/2022, I made a purchase of an item on XXXX, using the credit service Affirm.com. My total was {$1900.00} after credit fees, and that was that. Nearly a month goes by, and I have the XXXX tracking information, and I do notice it is coming from XXXX, and that it also is set to not require signature on delivery. The so called " delivery date '' comes and goes, the item is not present, and my security cameras at my home do not catch it being delivered. I file a complaint/lost package report with XXXX  and they actually call me the next day to let me know that their driver admitted fault, and delivered it to the wrong address, ( and I have the voicemail from their office regarding this claim ) and that they would attempt to retrieve the item from the wrong address and attempt to redeliver It to the correct address, asking for a bit of time to get this resolved. I waited and waited, called a few more times, filed a lost package report with both XXXX and XXXX this time, and simply received the run around from them both for about a month, so I reached out to Affirm, filing a fraud claim on this charge. I gave them all of the relevant info, including the info from XXXX, and they also gave me the runaround, to the tune of about 8 months, to which in XXXX I reached out again, as my account was several months past due, but they had not charged it off yet. When I reached out in XXXX, they told me they would no longer assist me, and informed me it would be getting charged off, and to contact the debt collector in regards to this account.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

There is a company LVNV Funding LLC, which showed up on all my credit reports I believe in XXXX of this year. I do not know who this company is and I have never done business with this company. I have requested documentation show I have or had an account with them and they have yet to provide the information
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non-compliance.
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: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-25
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. (LA)

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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I paid off my loan and have an email from XXXX XXXX stating that fact. Nonetheless, XXXX XXXX failed to report that fact to all the credit bureaus. It shows that I still have a balance and the fact that the account was paid in full was never reported.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

I have attempted to use the Equifax website several times over a period of several months to temporarily unfreeze my account. In all cases I was able to correctly answer the questions posed to me ( on the website ). Yet, in every case, I have been instructed to call their toll-free number to speak to a representative. 

Early on, I obtained a PIN, which should make the process of freezing or unfreezing simple and quick. Despite having a PIN, I was required to answer numerous questions when I called in. 

I appreciate that it is critical to maintain the security of my account. However, some of the questions are unreasonable. For example, I was asked to provide the month and date when I first implemented the freeze. This was several years ago, and I have no idea when it was done, nor was I told ( at that time ) that it was important to keep a record. 

I was also asked what my job title is on my credit record. Obviously, I know my job title. But, I have no idea what's on my file. Apparently, the two don't match ( and I still don't know what's on my file ). 

I was also asked to provide the current balance on a credit card account which was no longer open. Note that this was *after* I had indicated that it was a closed account. 

My inability to provide correct answers prompted the agent to ask that I mail in hard-copy information. This was particularly frustrating when I was trying to *reinstate* a freeze. This procedural hurdle was preventing me from protecting my own credit in a timely fashion. 

I escalated this issue to the manager on duty, and it has been resolved. My complaint is that there is a systemic problem with Equifax. The fact that it has existed since at least XXXX of 2018 suggests that they are not making a serious effort to correct it. 
By contrast, I have had no difficulties at all with XXXX or XXXX XXXX. 

All of the credit reporting agencies heavily market paid services for locking your credit report. I find it suspicious that Equifax has a long-standing deficiency that makes it difficult for non-paying consumers to obtain rights which are due to them under law.
Consumer complaint received 2024-06-14
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)

Upon reviewing my credit report recently, I discovered several items that are unverifiable, invalidated, inaccurate, or questionable. These discrepancies have caused significant distress. 

Under the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be XXXX  % accurate. The accounts in question are in violation of FCRA sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require accurate reporting. 

I have attached copies of all correspondence sent to your agency regarding these discrepancies. I request an immediate investigation and removal of these inaccuracies from my credit report.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account that i have included screenshot inside this complaint in on date XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-10-25
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-06-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have sent numerous requests to a company called XXXX. XXXX XXXX   XXXX that has bought a debt from XXXX XXXX that is reporting on my credit report. I have sent them letters by mail on XX/XX/2019, XX/XX/2019 and XX/XX/2019 asking them to provide a contract bearing signature for the validity of the account, I even sent an offer to pay for delete to the company and they have not responded back to me via mail. I have disputed this account numerous times with the credit bureaus and it just keeps coming back saying it was validated. How was this account validated when they will not even respond to my requests? It has been over 180 days since I challenged this account numerous times and over 30 days of the last time I disputed. I demand that this account be removed from XXXX, Experian and XXXX. This is a violation of my rights as a consumer by nit furnishing me with a contract bearing signature nor responding to my requests to resolve the account.
Consumer complaint received 2023-03-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Shellpoint Mortgage Servicer Is NOT a mortgage company but a debt collector, I got the paperwork they sent me on my loan modification that was agreed to by Ditech and that they never gave me, 1 ) Shellpoint had forced place insurance on my home when I had explained to them that I had insurance through my HOA Fees but now they need to go back and correct that.

2 ) Shellpoint was Escrowing Taxes when I had paid the taxes on my home myself again I explained that to Shellpoint.

3 ) Shellpoint denied the modification because their OWN Notary did not finish witnessing the documents XXXX, that they sent to XXXX. In fact, I have emails going from XXXX back to Shellpoint telling Shellpont that the Docs are not correct and to redo them and get them back out to XXXX who then brought them to my office where I knew there would be people around and I could find 2 witnesses. Shellpoint, wanted my deceased Mother to sign the docs, but they fail to mention too that she had been dead since XX/XX/2013. They already had a Certifitfied copy of her Death Certificate, which can be used as the deceased 's signature, a copy of the will of the trust, and her handwritten codicil giving me her 50 % of the property, not to mention that the property had already been transferred into my trust at this point, so it was a done deal. 
4 ) I have already filed a lawsuit in XXXX XXXX Superior court and been granted a TRO to stop any foreclosure on my home, by XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and I am working out a modification with XXXX as I type now. I now want Shellpoint to go back and stip out all the extra charges that they added to my account before they SOLD the loan to XXXX for pennies on the dollar.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE 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 XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 report.
Consumer complaint received 2024-05-24
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. (AL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-06-14
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. (NJ)

To Whom It May Concern, This Is my XXXX  written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. Account Number : XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX this account. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, SC XXXX there is some inaccurate information reporting, delete this account. 
XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Delete this account. 

I have been in communication with the companies for a YEAR about the errors on my account, i am highly considering a lawsuit if these accounts are not deleted immediately!
Consumer complaint received 2024-07-05
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. (AZ)

I am formally contesting any inaccurate or undocumented information in my credit report, including unverified claims. Under the FCRA and the accepted STANDARD of metro 2 data field reporting, I challenge the reportability of these unsubstantiated allegations. Federal and state laws require accurate reporting, and it is inappropriate to report unlawful claims. Please ensure the accuracy and correctness of all your claims, supported by verifiable evidence.

I kindly request you to provide evidence for the existence of the account and its permissible usage. If such evidence is lacking, I expect the removal of the account from the report. Please send me physical documentation of your actions and an updated credit report. 
Listed below are the Personal Information 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 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 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 2024-06-17
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. (TX)

I am using my report to challenge and investigate these wrongly reported accounts on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report on my credit file. I understand that FCRA XXXX mandates reporting any incorrect accounts appearing on a consumer 's report.
Consumer complaint received 2024-06-14
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.