davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
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)

Based on a review of my credit report, under the FCRA ( Fair Credit Reporting Act ) 15 USC 1681 and the Privacy Act of 1974, for the purpose of maintaining the consumer report in premium standard, the following partial account # s should be removed Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are considered charged off and closed accounts with a security interest certificates of indebtedness, which are taxable income for sold debt for which I have a security interest in, as per 26 CFR 1.61-12 of the Internal Revenue Code, Subchapter A, and 26 CFR 1.108-2. The treatment of value for market value of indebtedness by the creditor/debtor partnership, as equal to the liquidation value of the debt for equity interest, is for the purpose of determining the tax consequences of the debt for equal exchange. Any and all power of attorney duties and responsibilities have been removed from all original creditors and third-party debt collectors regarding any certificates of indebtedness owed to my estate. Thus they have no permission to report any private income to my public accounts on my behalf. 

Third-party collectors with account numbers and transaction history are to be removed as they are charge-offs from the original creditor and are considered zero certificates of debt, which is income per 26 USC 61 where gross income is defined. This income can not be reported as it is a violation of financial transactions and is considered non-public personal information, and should be removed immediately.

12 CFR 332.10 limits on the disclosure of non-public personal information to non-affiliated third parties. ( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any non-public personal information about a consumer to a non-affiliated third party unless : ( i ) You have provided the consumer with an initial notice as required under 332.4. As I was not notified prior to the recording of any accounts or transactional history, prior to the violation, it is to be removed.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IN)

I kindly request that you ensure the accuracy, timeliness, and verifiability of my personal information in your records. It is crucial that your documentation adheres to the standards outlined in the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. Therefore, I urge you to promptly delete any address within your system that does not align with my specific. 
the correct of my address is XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX please updated my information on my consumer credit report
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I paid off my XXXX XXXX XXXX XXXX to a {$0.00} balance. XXXX XXXX then charged off my card, and didn't send me any documents showing the {$0.00} balance. The account was then marked closed on all three credit bureaus. However, months later I begin receiving mail statements showing an outrageous {$1800.00} bill on the same card, with charges from a card that was supposed to have {$0.00} credit for available credit, on a {$600.00} credit limit. I also had two different collection companies inquiring about the same card at the same time ; one which has since disappeared. When I contacted XXXX XXXX, they act as if they have no record of final payment, saying payment was rejected. I did in fact attempt to make several payments from two different banks until one went through ( bank statement attached ). I also paid off my other credit card with them, which had a {$1000.00} credit limit, at the same time. I also, received a letter in the mail stating that both credit card accounts had " unusual behavior '' on it. Then I noticed that an {$1800.00} balance was added to the closed account ending in XXXX on my credit bureau accounts. How is this possible, unless someone is committing fraud, and my information has been compromised. I brought this to CFPB 's attention, and it was quickly dismissed without being looked into. I also requested that each credit bureau go through filings for this account and find that the balance was {$0.00} and account was closed, before it miraculously appeared again with a false {$1800.00} balance. The last set of charges are fabricated and balance is incorrect. The last payment made was for {$300.00} because thats all I owed. I do not waste my time, arguing balances that I know I owe ; this one I already paid off. I'm not giving up. 
So, fix it!
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Upon careful examination of my recent credit report, I have identified discrepancies that warrant urgent attention, particularly regarding the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The companies have acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 
I kindly request a comprehensive investigation into these accounts and expeditious communication of the findings via postal mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I anticipate receiving your response within this specified time-frame.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-08-22
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. (CA)

I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n. I am entitled to monetary compensation for the damages caused by these violations. 

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transactions that were not initlated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 

I have already contacted the creditor who is reporting this information and waittng on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report!
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] Equifax XXXX [ XXXX XXXX ] [ XXXX ] XXXX : XXXX XXXX XXXX ] [ XXXX ]
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

EQUIFAX is obligated by the FCRA to report accurate information and accounting. The consumer has advised Equifax LLC that the XXXX XXXX  account ( XXXX ) reported is fraud. Equifax, had 4 days according to the law to remove this item. An FTC fraud report was filed on behalf of the consumer for this item. The consumer is now requesting Equifax to provide the documentation used to determine this account was authorized by the consumer. Equifax has 15 days to provide me with the name of the person ( XXXX ) they spoke to, documentation used, signed application, with consumer 's wet ink signature. The consumer is NOT asking for an e-oscar report. If Equifax does not have documentation to show this account was in fact authorized, this account must be removed IMMEDIATELY. Equifax is liable under the SEC to follow certain rules. Equifax XXXX file number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York  XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NewYork XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX I will be filing Form XXXX treasury XXXX to audit the consumer 's account. 

EQUIFAX IS SECURITIZING CONSUMER 'S DATA, BUT EQUIFAX REFUSES TO PROVIDE THE CONSUMER A COPY OF THEIR CONSUMER FILE, NOT CONSUMER REPORT.
Consumer complaint received 2022-10-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (AZ)

Contacted American Credit Acceptance XX/XX/XXXX for a deferment due to having XXXX XXXXXXXX, they denied that request at a time when it was mandated by Federal law for them to do so. On XX/XX/XXXX they repossessed my vehicle. I borrowed money to get it back. On or around XX/XX/XXXX my family once again went into severe financial hardship I contacted American Credit Acceptance to get a deferment, again they denied. They are unwilling to help with hardships that were caused by the pandemic. I need a deferral. This company would rather repossess than do what is right.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXXXXXX have 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 instructions.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing to address serious concerns regarding the inaccurate reporting of my financial transactions and experiences to consumer reporting agencies, as well as the violations of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681a 2 ( A ) ( i ) and 1681s2. 

Upon reviewing my Experian, XXXX, and XXXX consumer reports, I discovered that XXXX has reported a some late payments. However, this reporting is in clear violation of the FCRA. According to XXXX5 U.S. Code 1681a 2 ( A ) ( i ), consumer reports do not include information solely pertaining to transactions or experiences between the consumer ( myself ) and the entity making the report ( XXXX XXXX ). 

The law explicitly states that transactions or experiences between the consumer and the reporting entity are not to be included in consumer reports. Therefore, the reporting of a late payment directly contradicts this provision of the FCRA. As such, you have violated the FCRA 15 U.S. Code 1681a 2 ( A ) ( i ) and 1681s2 by inaccurately reporting this transaction on my consumer report.

Furthermore, under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies have a duty to provide accurate information. It is prohibited to furnish information if the person knows or has reasonable cause to believe that the information is inaccurate. By reporting a late payment when no such transaction occurred, you have knowingly provided inaccurate information to consumer reporting agencies. 

I am formally putting XXXX XXXX on notice that the continued reporting of this inaccurate information constitutes a direct violation of the FCRA and your responsibilities as a furnisher of information. You have caused significant harm to me and my family through your negligent and inaccurate reporting. 

Therefore, I demand that you immediately delete the erroneous late payment from my consumer reports within after receiving this notice. Failure to comply with this demand will result in legal action being taken against your company. I will seek actual damages for the harm caused by your failure to comply with the law, including but not limited to defamation of character, negligent non-compliance, civil liability, mental anguish, and violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) .Furthermore, if the late payment is not deleted within the stipulated timeframe, I will pursue arbitration to resolve this dispute. I reserve the right to pursue all available legal remedies to address this matter. 

Do not send me any correspondences regarding this matter unless it is to confirm that you have complied with the applicable law and deleted the inaccurate late payment from my consumer reports. 

I expect prompt and satisfactory resolution to this matter.
Consumer complaint received 2023-12-04
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZuntaFi Corp (WA)

Zuntafi incorrectly reported the alleged debt account to three consumer reporting agencies as delinquent when the account was disputed. Zuntafi also sent me a letter suggesting they will report the account as disputed. However, Zuntafi is misrepresenting and reporting the account as delinquent when the account is not validated with competent evidence. Zuntafi did not provide competent evidence to validate the alleged debt. Zuntafi has continued to send me statements in the mail despite my insisting the company not contact me, violating federal laws.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Hello, I am writing to dispute an account on my credit report that pertains to XXXXXXXX XXXX. The account in question reflects a debt cancellation, for which I was supposed to receive a 1099-C form. However, despite multiple requests, XXXX XXXX has failed to provide me with the necessary documentation. 

Account Details : XXXX Creditor Name : XXXXXXXX XXXX Date of Discharge : XX/XX/XXXX I would like to emphasize that according to IRS regulations, when a debt of {$600.00} or more is cancelled or forgiven, the creditor is required to issue a 1099-C form to the debtor. This form is essential for tax reporting purposes. 

Despite my diligent efforts to obtain the 1099-C form from XXXX XXXX including [ briefly describe any attempts made to obtain the form, such as phone calls, emails, etc. ], they have failed to provide me with the necessary documentation. 

As a result, I kindly request that you investigate this matter and take appropriate action to either remove the disputed account from my credit report or update it to reflect the accurate status, considering the lack of documentation provided by XXXX XXXX 

Please find enclosed copies of [ list any supporting documents you are providing, such as copies of correspondence with the lender or proof of your attempts to obtain the 1099-C form.

I appreciate your prompt attention to this matter and request that you inform me of the results of your investigation as soon as possible. 

Attach you will see the proof when I request the document through CFPB the last year On XX/XX/XXXX Thank you for your assistance in resolving this dispute. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

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 XXXXXXXX, {$350.00} I Reached out to my back for a refund on these fraudnlet charges and they wasn't able to get my money back
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I disagree with the account listed below which still appears on my credit reports, even after your Investigation. I would like this immediately re-investigatedXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated a copy of my updated credit report after your re-investigation.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The XXXX XXXX XXXX XXXXXXXX XXXX, has reported unlawfully XXXX missed payments that has result in a decreased in my credit report. 
According to the Consumer Law 15 USc 1666b it is illegal to provide any late payment information to the reporting credit bureaus. 

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.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Ensuring timely payments is a habit of mine. I am absolutely certain about this. What I find puzzling is why this company is labeling me late in certain months, which is unacceptable. USC 1666b states that any billing errors need to be fixed ; otherwise, they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-04-18
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. (CT)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

On XXXX XXXX 2018, I arrived home to find a notice posted on the front of my door. It was in plain view for anyone to read ( I live in a townhome ). The notice stated that my property was found to be vacant and threatened to rekey/winterize the property if I did n't contact XXXX XXXX XXXX within three days of the date of the notice. The Company 's name is XXXX XXXX XXXX, XXXX. I called their offices today and spoke with XXXX who advised me that they were requested to inspect my property by my mortgage service company, Mr. Cooper ( formerly NationStar ). I advised XXXX that my property is not vacant and that I was very upset by the way the notice was publicly posted and with threatening language.
Consumer complaint received 2023-12-15
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: EQUIFAX, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that 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 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