davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (PA)

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 2024-05-22
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. (IL)

I am writing to formally dispute the reporting of a late payment on my XXXXXXXX XXXX XXXX  account, ending in XXXX which has been inaccurately recorded on my credit report on XX/XX/year>. Upon review of my account statements and payment history, XXXX Credit Card Agreement, and Consumer Law 15 U.S. Code 1666 I have identified an error that needs to be corrected promptly. 

Federal law mandates that late payments can not be reported to the three main credit bureaus until they are at least 30 days past due. My records indicate that the payment in question was not 30 days past the due date. Additionally, I did not incur any late fees or returned payment fees for this billing cycle, further supporting that my payment was within the acceptable timeframe. 

According to the XXXXXXXX XXXX XXXX  Agreement, specifically under Section 4 titled " Penalty Fees, '' a late payment fee is only applicable if the Minimum Payment Due is not received by the Payment Due Date. As per my account, the Minimum Payment Due was satisfied within the required period, negating any grounds for late payment reporting. 

Given these facts, I am requesting that XXXX immediately investigate and correct this erroneous late payment record with the credit bureaus. A timely resolution is crucial, as this incorrect reporting adversely affects my credit score, which is critical during my ongoing process of purchasing a home.

Please confirm receipt of this dispute and provide a written acknowledgment that the error will be corrected. Should you need any additional information or documentation, please contact me at your earliest convenience. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-02-02
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: EQUIFAX, INC. (AZ)

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-22
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. (MD)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

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 Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX  XXXX Account # XXXX
Consumer complaint received 2024-05-22
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. (LA)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXXXXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX, Account name XXXX : # XXXX, Account name XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my credit report on XXXXXXXX XXXX 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-22
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)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: LD Holdings Group, LLC (GA)

I am writing to complain about Loan Depot, broadly, due to their not closing on time, and the Loan Depot XXXX XXXX in the XXXX area XXXX led by XXXX XXXX XXXX and my specific concerns about loan XXXX XXXX XXXX XXXX 

I have two complaints : 1. The first complaint is the manner in which XXXX XXXX conducts her business. I was working with a separate loan officer with Loan Depot, XXXX XXXX, out of a different office. He had performed a lot of work on the loan. XXXX XXXX, who I had never spoken to, upon learning that we would be closing on a home, went into our Loan Depot file and changed the loan XXXX from XXXX XXXX to herself. XXXX XXXX can confirm this and XXXX XXXX does not deny it. She did this without our permission. 

XXXX. When I complained about this, Loan Depot did not close on time, and they asked me to pay a new fee just days before closing. I believe both of these steps were in direct response to my complaints about XXXX XXXX 's behavior, which I believe was unprofessional and unethical. I further find it unacceptable that Loan Depot could not close on time. I provided them all the information requested several weeks in advance. On the day of closing, they requested several new items ( some that they already had ) and make spurious arguments, asking for information that they did not need. I believe they asked for these to attempt to justify their inability to close on time and attempt to reframe the narrative as someone else 's fault. 

It's not clear if this was willful retribution for my criticism, or simple incompetence. In either case, the delayed closing had significant XXXX and XXXX order effects. I had to take 4 days off of work, waiting in front of my computer all day, for LoanDepot to respond to me and let me know if they needed anything else to close. This hurt my professional reputation and has caused me several issues with my supervisor in the federal government. Loan Depot made requests at XXXX on multiple days in a row, and then left for the day, ensuring no progress could not be made on that day and starting the same game the next day. 

I had to negotiate with the seller to avoid losing the deal, and my due diligence money. I had to rearrange appliance deliveries. I had tenants who had planned to move in. I had to change dates for improvements to the property ( installing a fence ). Loan Depot at no point expressed even a little bit of concern for the chaos their delays were causing. I can't believe the loan officers I dealt with are licensed professionals. I would like the CFPB to bring both the company and individuals involved and this complaint to the attention of the appropriate licensing authorities.
Consumer complaint received 2024-05-22
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)

I, XXXX XXXX, am experiencing significant negative impacts on my credit score and financial stability due to numerous inaccuracies on my credit reports provided by XXXX, Experian, and XXXX. These inaccuracies include discrepancies in account numbers, dates of activity, high credit limits, and account statuses for multiple accounts. Despite my attempts to dispute these inaccuracies directly with the credit reporting agencies, the erroneous information remains on my credit reports. 
Specifically, the disputed accounts and issues are : XXXX. XXXX ( Account Number : XXXX - Discrepancies : Date opened, credit limits, high credit. 
- Details Requested : Verification of the opening date, high credit, and credit limit for accuracy. 

XXXX. XXXX  XXXX Account Number : XXXX -Discrepancies : High credit, account closure status, date last active. 
- Details Requested : Confirmation of the high credit, closure status, and last active date. 

XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX - Discrepancies : High credit, credit limit, account numbers, date of last payment. 
- Details Requested : Clarification of the high credit and exact credit limit. 

XXXX. XXXX XXXX XXXXXXXX ( Account Number : XXXX - Discrepancies : Date of last payment, high credit, account numbers, status of account closure. 
- Details Requested : Review and verification of the high credit, payment status, account number, and closure details. 

XXXX XXXX XXXXXXXX ( Account Number : XXXX - Discrepancies : Date last active, date of last payment. 
- Details Requested : Validation of the last active date and the last payment date. 

XXXX. XXXX ( Account Number : XXXX ) - Discrepancies : High credit, credit limit, date of last activity, account numbers. 
- Details Requested : ** Correction of high credit values and confirmation of the date last active. 

Additional discrepancies include the dates of account openings and closings, reported balances, and payment histories. These inaccuracies are adversely affecting my credit score and financial standing.
Consumer complaint received 2024-05-22
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)

XXXX / XXXX Account XXXX - XXXX XXXX XXXX. I just got a copy of my credit report, I notice you are reporting this account incorrectly. This collection account is already as PAID/CLOSED, According to the FCRA, XXXX have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
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. (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 XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or 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 2024-05-22
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)

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-11
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: EQUIFAX, INC. (NV)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-10
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. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm sending my disputes letter to dispute problems with my credit report and they not accepting my letters to help me fix my problem of XX/XX/XXXX i send them off they receive them XX/XX/XXXX this is the third month i just send new ones off today i have tracking number im just trying to fix my credit report
Consumer complaint received 2023-09-04
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.
Consumer complaint received 2024-05-22
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2024-05-22
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. (MD)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.