davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, 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. (AL)

Equifax is reporting 7 inquires on my credit report that does not belong to me. 
XXXX. XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX, inquiry from XX/XX/XXXX XXXX. XXXX, inquiry from XX/XX/XXXX XXXX. Equifax Mortgage Service, inquiry from XX/XX/XXXX XXXX. XXXX XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX XXXX, inquiry from XX/XX/XXXX Fraudulent information is being reported on my credit report and Equifax has neglected and refused to remove fraudulent account. Someone else whom I am unaware of has used my information without my permission and knowledge. I did not authorize this inquires.
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

On XX/XX/XXXX, I paid my credit card balance off in full. Previous to this date I paid my card on time every month. On XXXX, I was hit for a finance charge of XXXX. Given that my card was paid off, I should not have acquired this charge. I was not notified of a balance due through mail or by phone and was not aware of a charge until earlier this month after purchasing a vehicle. I then paid XXXX and sent an email immediately to my company apologizing and asking them to waive the fee. I then went to purchase an item yesterday and found out I have been reported to the credit bureaus for being 90 days past due on my account. I immediately called my credit company to find out what I could do to resolve this. After looking further into this I found I was hit with 2 late fees and interest accrued to XXXX. I was told by the supervisor there was nothing I could do. I am stuck with a ding on my credit report after being charged a finance charge on a balance that I had previously paid off.
Consumer complaint received 2024-05-17
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 recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year>. I'm now requesting you investigate the XXXX XXXX XXXX account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) 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.
Consumer complaint received 2024-07-08
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. (FL)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-05-17
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. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$6600.00} XXXX  XXXX Balance : {$4400.00} XXXX  XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$6400.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

* Contacted Credit Acceptance ( CA ) back in XXXX to correct the balance * Called CA on XX/XX/XXXX and spoke to XXXX who works on CA 's Legal Collections Team ( who was very helpful ) along with XXXX who manages coordination with XXXX XXXX XXXX XXXX XXXX. XXXX conveyed her apologies for the oversight of the late reporting, and payment history since the account was settled in XX/XX/XXXX, but their documentation reflects XX/XX/XXXX. 
XXXX stated that CA would update the credit score that day, but it would not reflect until XX/XX/XXXX. XXXX advised me to reach out to the law firm XXXX XXXX XXXX ( XXXX ) XXXX for the satisfaction of Judgement ( SOJ ) I spoke to XXXX XXXX who was not helpful at all, and suggested I call CA back. 
* XX/XX/XXXX I had a conference call with my Mortgage XXXX ( XXXX ) and CA to get an update on my credit score and documentation. I asked to speak with XXXX since she spoke to me initially, but XXXX who was very guarded with her responses and stated she was not available, but she would try to help. XXXX basically confirmed what I already knew to be true... nothing was done, and no documentation was available. XXXX also mentioned that the refund would be sent to XXXX XXXX, but did not share the amount. XXXX made note of both XXXX and my email address to forward the requested documentation. 
XXXX I received a letter from CA regarding my credit dispute stating " we do not have enough information from you to review your inquiry ''. 
XXXX called CA and spoke with XXXX who stated CA received the reference number for the SOJ but would not give me the number, but suggested I reach out to the District Court 's office. 
XXXX My mortgage team had XXXX XXXX XXXX XXXX XXXX reach out to me to have my tradelines updated without any late payments. XXXX ( XXXX ) and I conference called CA and XXXX who was extremely helpful ( manages coordination with XXXX XXXX XXXX XXXX XXXX ) answered the phone and apologized for the inaccurate reporting, answered all of Jasmines questions. Even though her office has a copy of the ( XXXX ) its not signed by the Judge. XXXX suggested I reach out to the XXXX XXXX for an update. I called the XXXX XXXX again and spoke to XXXX XXXX again who couldn't even find my file with my account number. He found it eventually and confirmed that XXXX was still not signed, but that it could take a few days. I stated that's what you said this the last time, and nothing has happened! He was not professional towards the end of the call. 
XXXX XXXX XXXX out to me and stated that late payments are still reporting on my credit history even though it has a XXXX balance. XXXX suggested I call CA again to have them correct it. XXXX stated she always has difficulty when dealing with Credit Acceptance. A formal complaint to Consumer Financial Protection Bureau ( CFPB ). 

I will call today again on my behalf.
Consumer complaint received 2024-07-08
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. (CT)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report these remarks have impacted severely detrimental to my life and credit health.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc ()

I woke up to two emails from Chime this evening : One that said a new login was detected on my account, and another that confirmed the opening of a checking account, the card would be on the way soon. I did NOT authorize any of this, so obviously I was alarmed. 

I do have a Chime account that I did make years ago, and last year I updated the information, most notably my phone number. I had to talk to customer service for this, because it's a XXXX number ( moved ) and I wasn't getting any codes. They fixed this over the phone, but tonight I couldn't log in and when I went to use my same number for a password reset - it's a completely different number I don't recognize. 

This meant I had to call them, so I did and explained my situation. The woman on the other end was nice, but didn't seem to totally understand my situation completely no matter how I worded it. She got the phone number issue and said she would email another department to get it changed, but that isn't urgent enough considering the situation- and they would not answer my questions about who logged in, how they were able to get in and change my number with no notification to me, etc. After this call, I followed up with an email to XXXX explaining it, but no response there yet either. 

Such a slow response to something like this is NOT acceptable. At this point I want any account I have with Chime to be completely closed, and for any attempts made to open an account using my email to be axed. Nothing has shown up on my credit alerts or reports, but this is still alarming either way. Shady company that needs to be held accountable.
Consumer complaint received 2024-05-16
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. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-11-30
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (MA)

I received a VISA gift card that I used in XX/XX/2023. The card was then stored away until XX/XX/2023 when I attempted to use it again. The card was used then next day from the date of my original transaction. The vendor is listed in Illinois as possibly a XXXX XXXX XXXX. I advised the card administrators ( Blackhawk network ) and received minimal information on who actually charged the card. They provided very little support to allow me or themselves to inquire with the vendor directly regarding this charge. 

I contacted the Attorney General 's office for my State. Neither their support office handling my complaint or I received any response to their inquiry.
Consumer complaint received 2024-05-16
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. (MI)

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  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX/DOFED Account XXXX 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 2024-05-17
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. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Control, LLC (NY)

XXXX XXXX  keeps sending my exempt from debt collectors debts they have out for collection to bust my chops and have them report it being that XXXX  knows I am exempt from debt collection for the pass 7 years why do they keep tiring to collect
Consumer complaint received 2023-08-24
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. (FL)

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. 

I told XXXX, Trans Union, and XXXX to re-investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states, that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, 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 writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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. (CA)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Nationstar Mortgage withheld money from my monthly house payment to fund an Escrow account from which they are to pay property taxes. They used the funds from my account to pay taxes on someone else 's property - landing me in collections with the XXXX County tax department. They have since paid off the collections, but are showing the additional amount as being part of my payoff amount ( meaning they are charging me XXXX for property taxes ). When my attorney and I have requested that they update the payoff since it was not my error, they are not helping me. They have told me they have to wait for the refund from XXXX County. When I contacted XXXX County, they advised me they do not refund mortgage companies for issues such as this. They said the mortgage company has to request the funds from the owner of the property that they erroneously paid. Nationstar is now saying they did not make a mistake. My attorney has documentation showing the issue and that I am being penalized for this, which is making it impossible for me to refinance my loan to a lower interest rate ( this is how we noticed the issue ). I have spent literally hours trying to get this resolved - many times being disconnected and given incorrect call back numbers or numbers that route to the wrong department. I also gave each of the representatives my call back number and no one has called me back. I left several messages with XXXX in the tax department and she never returned my calls. I want to move my loan from this company ( which could be accomplished through a refi ), but they are showing me as owing {$6000.00} more than I should, which means I would have to come out of pocket and hope for a reimbursement at some point.
Consumer complaint received 2023-08-24
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. (NJ)

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind accounts. No knowledge account. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information. I have enclosed a copy of my credit report and circled the fraudulent items on the report. I appreciate your prompt attention to this matter. Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 
XXXX XXXX XXXXAcct # XXXX **** Not my account. Please delete. 
XXXX XXXX XXXX ACCT # XXXX Not my account. Please delete. 
XXXX XXXX XXXX  ACCT # XXXX Not my account. Please delete. 
XXXX XXXX XXXX ACCT # XXXX Not my account. Please delete. 
XXXX XXXX XXXX ACCT # XXXX Not my account. Please delete.XXXX XXXX XXXX ACCT # XXXX Not mine account. Please delete.
Consumer complaint received 2024-07-30
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any inquiries which are found to be opened due to identity theft. The dispute inquiries do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>