davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAND HOME FINANCIAL SERVICES (MN)

I called and asked XXXX XXXX when I was in forbearance due to XXXX. They gave me those dates which was XXXX of XXXX to XXXX of XXXX. I then let them know that they were reporting that on my credit report as late payments which is illegal these payments can not be reported that way because I was in forbearance due to XXXX. They told me that it was not being reported that way I let them know it was I could send them a copy of my credit report. They said they would make a case and have it taken care of this was XXXX  months ago at least. It is not changed I have since tried disputing the late payments on XXXX but every time I dispute it XXXX lets me know that land home financial is coming back and saying that it is correct information and they're not misreporting.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I used XXXX to dispute a new credit card opened with XXXX XXXX. I called XXXX XXXX to close the fraudulent account with XXXX and to get the due amount XXXX. They then closed the account. The initial alert was from XX/XX/year> and we called XXXX XXXX on XX/XX/year>. On XX/XX/year>, I found my credit report having a past due balance by more than 30 days of {$2500.00}. The account still says that it is closed on my credit report but it has a balance that should not belong to me. Since, I have frozen my credit reports on XXXX, XXXX, and Equifax to make sure this doesnt happen again.
Consumer complaint received 2024-06-19
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)

XXXX XXXX REPORTED THE HISTORY OF TRANSACTION AND EXPERIENCES BETWEEN ME THE CONSUMER AND XXXX XXXX TO XXXX, EQUIFAX, AND XXXX WHICH IS ILLEGAL TO REPORT 15 US CODE 1681a ( D ) ( 2 ) ( A ) ( i )
Consumer complaint received 2024-05-28
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)

According to FCRA 605B, it's mandated to eliminate any erroneous accounts from my credit report. These accounts contain inaccurate information in their reporting. Compensation of {$1000.00} is expected for each mistaken entry on my credit file.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX XXXX XXXX ADDRESS XXXX XXXX  XXXX XXXX CA XXXX Todays date XX/XX/XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX  XXXX ACCOUNT # : XXXX XXXX i ask for the companies involed to do a proper investigation and delete this fraud account please and thank you THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER IDENTIFIES AS IDENTITY THEFT MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2024-04-18
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. (MS)

Theirs is a XXXX XXXX credit card on my credit report that is not mine. The card is now delinquent and causing my credit score to drop. I have petitioned it several times through Experian. Experian has closed my disputes claiming to have reached out to XXXX XXXX who verified that the account was correct. Every time I have reached out to XXXX XXXX, they claim that they cant find my account using my name, SSN, or phone number. My credit report shows the address associated with the account, but XXXX XXXX says they can not search using an address. This account is fraudulent and does not belong to me.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Please see my attached most recent and up to date report. All of the accounts on it reports to all bueros so the information should be in sync/all EXACTLY the same. I'm not sure what kind of back office mess up is going on but the errors on Clarity service with Experian, XXXX, XXXX XXXX etc and especially XXXX is so completely off I haven't gotten a steady denial reason or approval for ANYTHING business or personal in over 6 months. Update ALL the information to be the same, all # s and dates are valid hints why they show on this report and my paid report. Anything off is incorrect as of XX/XX/2024. I have filed many complaints & disputes mail & otherwise. You are hindering my livleyhood and I can't get a home because you or your 3rd party affiliates are not reporting as you should be. DO NOT contact the companies again to update the accounts to the date of recieveing this notice or there will once again be discrepancy since they already reported on the attached report within 30 days once again making everything off. I'm not sure how you guys got so far behind and wrong but all Inquiries where and should be removed as well due to a breach theft reports were attached in precious complaints. Experian is the only one that has it all 100 % correct as of this date BUT even their Clarity service is completely off. Next will be a notice of suit.
Consumer complaint received 2024-09-05
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (NY)

in accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 Srction 604 A, section 2 it also staes a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-20
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. (TX)

I hope this email finds you well. I am writing to bring to your attention an issue regarding the accuracy of my credit report. Upon reviewing my credit report, I noticed that there are discrepancies related to the opening dates of certain accounts.

Specifically, the opening date of one of my accounts appears to be inaccurately recorded. This discrepancy is concerning as it may affect my creditworthiness and financial standing.

I kindly request that you investigate this matter and take the necessary steps to correct the opening date of the account in question. Ensuring the accuracy of my credit report is essential for maintaining my financial integrity. With this, I am asking for your assistance to correct these accounts in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
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. (MD)

In previous months, I requested for correction of inaccurate information which another credit reporting agency found to be inaccurate and had corrected. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to CORRECT the items listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (TX)

I greatly appreciate the time and effort made by the Credit Reporting Agencies in removing a portion of the fraudulent accounts and information reported on my Credit File. However, there are still accounts that should have been removed but remain on my Credit File. According to the Fair Credit Reporting Act, the Credit Reporting Agencies are legally obligated to investigate and remove any accounts and information resulting from fraudulent activities. The disputed accounts have no relation to any transactions where I obtained goods, services, or money, nor did I authorize them. Therefore, I kindly request that the Credit Bureaus block the reporting of any information in my credit file that resulted from identity theft. Please remove the remaining accounts and information off of my Credit File as soon as possible ; XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}. Furthermore, I have noticed discrepancies in the information provided by the Credit Bureaus. Some accounts that have been deleted by other bureaus still appear in the reports provided by the Credit Bureaus involved. This raises doubts about the accuracy of the reported information. Additionally, the reported payment history on some accounts is unclear to me. I would appreciate clarification on these matters.
Consumer complaint received 2024-04-20
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. (TX)

After viewing my credit report. The following accounts listed below are not mine. Please remove these accounts reporting to my Experian credit profile. 

XXXX. Please remove this account from my credit report. 
XXXX XXXX XXXXt Account Type : Collection Date : XX/XX/XXXX Balance : {$350.00} XXXX. Please remove this account from my credit report. 
XXXX XXXX XXXX  Account Type : Collection Date : XX/XX/XXXX Balance : {$280.00} XXXX. Please remove this account from my credit report XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$460.00} XXXX. Please remove this account from my credit report. 
XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$100.00} XXXX. Please remove this account from my credit report XXXX XXXX Account Type : Charge Off Date : XX/XX/XXXX Balance : {$110.00}
Consumer complaint received 2024-06-19
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to express grave concerns regarding the derogatory rating on my account. This negative rating has already had severe consequences, including the denial of a recent loan application and increased interest rates on my existing credit accounts. The financial and emotional distress caused by this derogatory rating has been substantial, and it will continue to adversely affect me until the issue is resolved.
Consumer complaint received 2023-07-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (FL)

Hello, I'm low income only making {$12000.00} annually and unable to pay monthly my mortgage. I need help! 
I can't find on your site help from Government free money. 

Please email me the link to apply an application to get free money. 
Here 's my email : XXXX Thank you for your support!
Consumer complaint received 2024-07-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend ()

Took out a quick short term/payday loan to cover some bills. The loan amount was for {$1700.00} with {$330.00} coming out of my bimonthly paychecks. My wife noticed that XXXX payments had come out of our checking account the other day which amounts to {$2300.00}. Which should have meant the loan was finished and paid off. When I looked into it further then I became aware of the interest rate of 480 % I was beyond shocked. The website says they help people but having me pay {$330.00} for XXXX payments puts me at almost {$6800.00} that they want me to pay back. I feel that I was taken advantage of and this isn't helping me at all but hurting me more. 480 % interest is highway robbery!
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-20
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. (TX)

I hope this message finds you well. I am writing despite my previous communications regarding the removal of fraudulent items from my credit report. This marks the numerous formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Comenitycapital/Floo XXXXXXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} Capital XXXX XXXXXXXXXXXX Balance : {$6200.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX # XXXX, XXXX, LA XXXX Comenitycapital/Floo XXXXXXXXXXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX Plus/Everett XXXX XX/XX/year> Credit Plus XX/XX/year>.
Consumer complaint received 2024-04-20
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. (TX)

I am looking at my credit report today XX/XX/year>, 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. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, are NOT complete and accurate. they did not provide me with the original contract as requested and the documentation that proves the amount that i allegedly owe with my signature the information is False and inaccurate the date open on my credit account is inaccurate and the payment history. 
And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows le cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-20
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. (ND)

I have identity theft and companies say they are investigating. After investigation, they claim info is accurate and verified. They do not provide how their false investigation comes to that conclusion. I have identity theft and nobody will listen
Consumer complaint received 2024-04-20
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that you will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : XXXX - XXXX
Consumer complaint received 2024-09-08
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX {$300.00} Account Name : XXXX Account Number : XXXX {$0.00} Account Name : XXXX Account Number : XXXX {$0.00} and 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 2024-09-05
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. (AZ)

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 those account 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 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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 reports