davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (FL)

XXXX XXXX Receive Escrow Analysis Letter from Annie Mac Home Mortgage stating Surplus amount of {$970.00} would be sent to me via check if account current within 30 days of receipt of the letter. 

XXXX XXXX XXXX Each month had to call customer service at XXXX to make payment as they stopped sending monthly statements to me. Inquired each month as to why I never received my escrow surplus check, agents claimed that it showed in system, requested check be sent- verified account not past due. They were unsure as to why the check was not sent. 

XXXX XXXX Called to make May mortgage payment again, no statements received still. Inquired about escrow check again, agent verified Escrow check amount had been wiped out of system and check denied for past due account. Agent verified account was not past due. Agent suggested I email the company at XXXX and ask for formal inquiry. 

XX/XX/XXXX, XXXX sent email with copy of escrow analysis letter, copied personal lawyer on email, to Annie Mac XXXX giving them 7 business days to resume sending monthly statements and to send my escrow surplus check or would file formal complaints with government agencies. 

Receive letter dated XX/XX/2023 from AnnieMac that they acknowledge receipt of my email and would respond via mail within legal time limits. 

XX/XX/XXXX, XXXX Called once again to Annie Mac , no statement received, no further reply nor check received. Agent reads to me notes in system saying check denied on XX/XX/XXXX for account status being past due and increase of insurance premiums. Agent verifies account in current status- monies received by Annie Mac being put in suspense account rather than posted to monthly mortgage payment due. Agent initials XXXX, stated she was very apologetic for what her company was doing and had no explanation for them not sending my surplus check. Tried to escalate my call to a supervisor- but they would not take my call. 
Advised agent I was formally filing complaints with all government agencies.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-05-15
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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 XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/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 2024-05-15
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. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion has a Renters Credit Score of XXXX that I was never aware of I have been keeping up with the information on my scores and currently my TransUnion Score is XXXX on my current Transunion account / My credit karma account and my nerdwallet account all of them have accurate score. During a couple recent Tenant screening I was denied based of of credit Screening. Then I Did about my 5th Application ranging from XXXX Dollars per Application, I took a look at my Screening for XXXX, XXXX XXXX XXXX {$39.00} My Score was in fact XXXX with all the recent inquires looking for a rental. I reached out to TransUnion Who I had been calling every 3 moths regarding the inaccurate credit reporting/ old accounts being transfered to look new and not deleted. I first started my Rental search XX/XX/XXXX and was denied for several applications. I expressed to TransUnion that they were effecting my ability to have a better quality of life. I was told to put in Disputes and with every dispute, it was never resolved. TransUnion told me that my XXXX score is my Current score but that TransUnion created another score for Renters Credit that they provided to Landlords which decision making factor in A Landlord rejection and approval of my credit scoring application. I asked them why I could not see this new score they said that it was note a score that XXXX or XXXX use for all consumers, this was a score that ONLY TransUnion created that is not published thru TransUnion member services just for Landlords. TranUnion also stated that the information to come up with the renters credit was not reflected on Fico information i.e. in the Employment section the Renters Credit had employment for XXXX I have not worked there in 11 years but TransUnion.com Has my current Registered Business as my current Employment .TransUnion Has violated my Consumer credit rights with a secret score and inaccurate informations to get that score that ensures the denial of my ability to rent a unit.
Consumer complaint received 2024-05-15
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. (MA)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-05-15
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. (MA)

Congress finds there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the authorized representative and original creditor on behalf of : XXXX XXXX XXXX Upon review of my credit report, I have noticed discrepancies in the information reported by Experian, XXXX and XXXX. It appears that there are inaccuracies regarding the debts owed and listed on the consumer report. As the original creditor, I request a thorough and FULL investigation into these discrepancies and a FULL disclosure of the consumer files you have on record. In accordance to FCRA the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. ALL listed accounts are an invasion of privacy and extortion of credit. XXXX is not in compliance with FCRA and are reporting inaccurate, unfairly and impartial information causing the consumer harm in extending credit and defamation of financial character. XXXX, Date of Account XX/XX/scrub>XXXX/2017, XXXX, I would like to receive the PROMISSORY NOTE connected to my line of credit in demand for accord and full satisfaction of the principal loan amount. Securitization of the assets was not disclosed to the consumer which would have essentially affected the consumers conscious decision making on the goods or services from XXXX. This would constitute Non Full Disclosure and unfair or deceptive acts or practices and a host of other violations listed below : FCRA SEC. 5 : unfair deceptive acts or practices 12 CFR 1026.13 15 U.S. Code Credit Billing : 1666. Correction of billing errors 1666a. Regulation of credit reports 1666b. Timing of Payments 1666c. Prompt and fair crediting of payments 1666d. Treatment of credit balances 1666e. Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor 1666.f Inducements of cardholders by sellers of cash discounts for payments by cash, check or similar means ; finance charge for sales transactions involving cash 1666g. Tie-in services prohibited for issuance of credit card 1666h. Offset of cardholders indebtness by issuer of credit card with funds deposited with issuer by cardholder ; remedies of creditors under State law not affected 1666i. Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses 1666i-1. limits on interest rate, fee, and finance charge increases applicable to outstanding balances
Consumer complaint received 2024-05-15
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. (MO)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-15
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

FCRA 605B mandates the removal of any erroneous accounts from my credit report. There is an inaccuracy in my credit file ; kindly eliminate it. Compensation of {$1000.00} per incorrect reporting is expected.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-09-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AR)

The basis for my dispute Credence Resource Management LLC, XXXX XXXX XXXX, CREDENCE RESOURCE MANAGE AccXXXX, {$560.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. 

CREDENCE RESOURCE MANAGE Accfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, CREDENCE RESOURCE MANAGE Acc '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of AR allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Credence Resource Management LLC, XXXX XXXX XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve CREDENCE RESOURCE MANAGE Accis held liable as well for defamation and in the state of AR a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard 980 S.W.2d693 ( Tex.App-San Antonio 1989 reh.den . ) citing Monroe v. Frank 936 S.W.2d 654 ( Tex.App-Dallas 1996 writ dism 'd w.o.j. )
Consumer complaint received 2024-05-15
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( account number XXXX ) has violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-15
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. (NC)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
Account # XXXX  has violated my rights. Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (CT)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

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 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 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (MI)

I have a loan with lending club and have been paying on it regularly on time and I have had open since XX/XX/2016. I had automatic payments set up on this account since starting. In XXXX I received notice that my account was more than 90 days late. I made contact with Lending Club and they apologize for the error only to report me late AGAIN in the XXXX when my account is current, showing me 120 days late. I have spoken with multiple representatives who have all given me different answer to when this issue will be fixed and also were very rude and disrespectful. I will also be submitting a compliant with the XXXX.
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (IL)

Date : XXXX RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} XXXX. 
Attn : XXXX. 
You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my XXXX, XXXX, and Experian report and furnished several inquirys without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
I have not initiated any transaction with ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX is mine but it is XXXX years old it should have fell off. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. PLEASE DELETE THESE ERRONEOUS INQUIRIES I AM THE VICTIM OF IDENTITY THEFT.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX
Consumer complaint received 2024-05-15
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. (CA)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.