davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
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. (AR)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress.

I first noticed the late open accounts, Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it.

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score.

A written confirmation of the resolution, including the date when the correction was made.

An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner.

I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities.

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct this late open account : XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-26
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. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (GA)

I am writing to formally dispute unauthorized inquiries listed on my credit report, which were conducted without permissible purpose, thus violating federal law. Pursuant to 15 USC 1681b, credit inquiries must be made with permissible purpose, and any inquiries made without such purpose are considered unauthorized. 
The inquiries in question were conducted without my consent or authorization and were not initiated for any legitimate business need. As a result, they do not meet the requirements outlined in the Fair Credit Reporting Act ( FCRA ) and must be removed immediately. 
Furthermore, these unauthorized inquiries also violate 15 USC 1681e ( b ), which mandates that credit reporting agencies must ensure the accuracy of the information they report. By including unauthorized inquiries on my credit report, the credit bureaus have failed to uphold this requirement, thereby further violating federal law. 
I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that the unauthorized inquiries are promptly removed from my credit report. Additionally, I urge the Bureau to hold the credit reporting agencies accountable for their failure to comply with the FCRA and other relevant consumer protection laws. 
Enclosed with this letter is a list of my credit report highlighting the unauthorized inquiries below. 

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 Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-26
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. (NC)

I Have 4 Inaccurate Late Payments On My XXXX XXXX XXXX XXXX I Made These Payments & It Was Rejected By Software Malfunction. I Ask That You Please Delete Those 4 Inaccurate Late Payments Off My Credit Report Please By Law. 

( 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.

Those 4 Inaccurate Payments Are Stopping Me From Buying A Home. Can You Please Remove Those 4 Inaccurate Payments Asap. 
Thank you & XXXX XXXX.
Consumer complaint received 2024-01-25
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: EQUIFAX, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 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.
Consumer complaint received 2023-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC (TN)

I made a loan with Integra Credit on XX/XX/XXXX for {$1000.00}. Thus far as of XX/XX/XXXX I have paid a total of {$1600.00} and they say another {$530.00} is due. The required payment changes every 2 weeks and they add each pay cycle a fee in the amt. of {$41.00} plus interest payment.. 

This is a total scam - their interest must be at 1000 percent Can you help me on this. I have fairly good credit and always pay on time but this is ridiculous!
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

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.

has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX 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 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

This is completely inaccurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (TX)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
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 2024-04-12
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. (CA)

On XX/XX/year>, XXXX XXXX XXXX  had closed my joint checking account and sent a notice to the credit bureaus naming it as a " Charge Off ''. It has been two years since this occurred and I have not received a 1099-C for a Cancellation of Debt for this item. I was not notified about the status of this account. This has put a major ding on my credit report and I wish to have it taken off.
Consumer complaint received 2024-04-12
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services (CA)

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : MB FIN SVCS XXXX  These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. 
I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. 
Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.
Consumer complaint received 2023-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (TX)

JP Chase Charge off a debt and then sold the debt to XXXX XXXX XXXX. 

I open an account with JP Chase in 2013 with a balance transfer. Chase never sent me a billing statement. At the same time, I opened a bill payer with XXXX XXXX to pay JP Chase every month for {$100.00}. The plan was to modify my payments to payoff the debt before the grace period ended. I forgot about Chase because I never received any billing statements by mail or electronically, but the XXXX XXXX payments were sent every month. 

Chase Charged off the debt and sold to XXXX XXXX XXXX. The {$100.00} payment were still going to Chase even though they sold off the debt. My credit report still reflects that Chase is the holder of the debt, no mention of XXXX XXXX XXXX. Chase never notified me the debt was Charge off or sold to XXXX XXXX XXXX. Chase has been receiving my payments for years and then sending them to XXXX XXXX XXXX. 

I only found out about XXXX XXXX XXXX because I answered the phone after persistent calls to stop the calls. 

It is my understanding that JP Chase is required to notify me of the Charge off and requires my sign of to sell the debt to XXXX XXXX XXXX. None of this occurred. JP Chase is still reporting debt even though it has been sold to XXXX XXXX XXXX.
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (FL)

I do not recognize any of these inquires that appear on my credit report XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX Inquired on XX/XX/year>
Consumer complaint received 2024-01-25
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. (NY)

I am writing to address a pressing concern related to the Fair Credit Reporting Act ( FCRA ) and the serious violations committed by XXXX XXXX. Specifically, I have been reported as delinquent by XXXXXXXX XXXX and it is crucial that this issue is rectified without delay. 

Under 15 USC 1681 Section 602, my right to privacy has been egregiously breached by XXXXXXXX XXXX as they have reported me as delinquent without adhering to my instructions under an open-end consumer credit plan. This violation is further highlighted by 15 USC 1681 Section 604a Section 2, which explicitly underscores the importance of safeguarding consumer privacy. 

Furthermore, per 15 USC 1666b, a creditor such as XXXXXXXX XXXX  is prohibited from treating a payment on a credit card account as late for any purpose without proper adherence to the terms of the open-end consumer credit plan. The reported late payments are a direct violation of this statute. 

I am disappointed by the significant delay in resolving this matter, particularly in relation to my XXXX, XXXX, and Equifax credit reports. I urgently request these bureaus to prioritize this dispute, conduct a thorough investigation, and promptly rectify the inaccuracies on my credit report caused by XXXX XXXX 's violations of the FCRA. 

Your immediate and decisive action in resolving this matter on my XXXX, XXXX, and Equifax report is not only anticipated but also greatly appreciated. I trust that you will address this issue with the urgency and seriousness it deserves. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2016-11-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I had a shortage in my escrow account so an analysis was done in XXXX and my payment was going to increase effective XXXX 2016. I did end up paying a portion of the shortage in XXXX 2016. On XXXX/XXXX/16, I requested that another escrow analysis be run since making that escrow deposit. The analysis was run and my payment was going to be lower than projected but around XXXX higher than my current payments. I am fine with the increased payment, however, Nationstar said that the increased payment was due immediately. They gave me no notice.
Consumer complaint received 2023-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (CA)

To whom it may concern, i previously filed a complaint they keep saying its not for them and they reject them. I do have an account t with them they have even acknowledge received and claim that they will give me an answer by XX/XX/XXXX a day after my foreclosure auction. Unbelievable all they want is to keep my house. I will attached copy to this complaint
Consumer complaint received 2024-01-25
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)

The debt has already been paid in full but it is still showing on my credit report as unpaid. 
Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX )
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

THERE IS A FRAUD BLOCK ON MY EQUIFAX CREDIT REPORT I HAVE CALLED EQUIFAX AND THEY SAY IT IS BECAUSE OF MY DATE OF BIRTH EVEN THOUGH I VERIFIED MY DATE OF BIRTH WITH EQUIFAX AND THEY HAVE IT CORRECT THIS IS PREVENTING ME FROM CHECKING MY CREDIT REPORT AND APPLYING FOR A MORTGAGE. 
THE OTHER XXXX CREDIT BUREAUS, XXXX AND XXXX, I CAN CHECK MY CREDIT REPORT WITH THEM WITH NO PROBLEM AND SO CAN THE MORTGAGE COMPANY. 
I HAVE CALLED EQUIFAX AT LEAST XXXX TIMES OVER THE PAST WEEK TO GET THIS RESOLVED AND IT IS STILL NOT RESOLVED. 
THIS IS PREVENTING ME FROM GETTING A MORTGAGE. 
PLEASE HELP!
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, 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 FURTHER Complaint regarding the identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00}.