davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

My current mortgage company Rushmore Loan Magnagement Services failed to pay my home owners insurance. XXXX XXXX XXXX XXXX  has been my mortgage company for 25 years, since day one, has paid my homeowners insurance out of my escrow account, annually, then billed me in monthly payments to cover the escrow. XXXX XXXX XXXX XXXX  XXXX sold my mortgage to Rushmore then notified me via regular mail that the only change to my loan would be who I paid and where I sent the check every month. Other wise the mortgage would be IDENTICAL. My house caught fire XX/XX/2023 and burned 75 % of it. I reached out to Rushmore to obtain the company name and contact person at the insurance company. Only to find out the dropped my homeowners insurance and placed Lender placed insurance on my home and NEVER INFORMED ME OF THAT. Bow because of their actions I have lost my home and everything I owned, Their neglect will cost me XXXX XXXX dollars. I want this company to do what is right!
Consumer complaint received 2024-04-22
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)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-22
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)

XXXX inquiries that I don't recognize XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX : XXXX. XXXX, 2023
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I recently reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-06-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc. (ID)

I have a debt appearing on my credit history that is not mine. The name that the debt is under is similar to mine but not mine as I have a different last name. I have tried resolving with XXXX but they marked it as accurate and it is not. The debt belongs to an uncle of mine I am named after.
Consumer complaint received 2024-04-22
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)

The company made false reports of my account being delinquent during COVID19. The account is also being false reported as XXXX accounts when is actually only XXXX that the XXXX XXXX XXXX XXXX is responsible for as agreed in mitigation back in 2013 for collecting tutition against the tuition expempt and making unsafe/ unsound scrutiny against orphans/wards of the court against Florida and Federal Law.
Consumer complaint received 2024-04-22
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. (GA)

I have reached out to the credit bureau XXXX, Experiean, XXXX On XX/XX/2024 And they have not removed the information, different addresses are still on my report from Experiean, XXXX, and XXXX charges that doesnt belong to me. I am not given these companies more time to figure this out. And they need XXXX  days to do so. This must be removed and deleted now. I did everything that was asked of me. I keep getting the run around. I came to you and expecting you to enforce the seriousness of this. Its holding up my credit and the ability to due something. I wrote in what was wrong and I provide everything in writing as well. If something is not done I will be suing them. Im connect the Attorney General next. They have exactly XXXX more days to remove the negative items on my report and update my personal information. Only one address on all reports to be showing, no previous address whatsoever. This is final
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Could you please ensure the removal and blocking of these fraudulent hard inquiries from my credit report? These inquiries are unauthorized and potentially indicative of fraudulent activity. It's imperative to take immediate action to safeguard my credit profile and prevent any further unauthorized access. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

Complaint : Comenity Bank has been incorrectly charging {$2.00} interest payments on months my card was paid in full and not used at all. They failed to notify me of my outstanding balance, charged me several late fees on that {$2.00}, and have unfairly damaged my credit score. 


History : XX/XX/XXXX -- I made a purchase for {$92.00} on my Express store card with Comenity Bank. 
XX/XX/XXXX -- I received the statement for my purchase, but misplaced and failed to pay this bill. 
XX/XX/XXXX -- I forgot to make a payment by the due date, and got a legitimate late fee. New statement balance of XXXX. 
XX/XX/XXXX -- I made a payment for my full statement balance of {$120.00} XX/XX/XXXX -- Despite paying off the account in full, I was INCORRECTLY CHARGED an additional {$2.00} of minimum interest. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -- Having not used the card at any point in this period, I was unaware of the incorrect {$2.00} fee. I was then charged {$8.00}, {$16.00}, and {$32.00} late fees, for a total bill of {$62.00}. I WAS NOT NOTIFIED by Comenity at any point of my outstanding balance or the late fees being applied, either by phone or email. 
XX/XX/XXXX -- I discovered a derogatory mark on my credit score, and traced it back to my Express store card and the surprise charges. I scheduled the payment for the full {$62.00} balance. 
XX/XX/XXXX -- On my next statement, Comenity applied another INCORRECT {$2.00} " minimum interest fee ''. 
XX/XX/XXXX -- I called to speak with a representative on the phone. The automated phone system tried to close my account before speaking with any actual human, with the {$2.00} still unpaid ( which, judging by other CFPB complaints would have led to even more late fees! ) Upon speaking with a representative, she failed to understand any of my complaints, ignored my concerns about my credit score, and claimed to reverse the {$2.00} charge. On my account on the card website, it now shows me owing another {$2.00} charge instead.
Consumer complaint received 2024-04-22
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. (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. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2024-04-22
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. (IL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-22
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. (PA)

The company in which I disputed the accuracy of the reporting to the credit bureaus was not resolved they are still reporting inaccurate and inconsistent with the other reporting bureaus which violates my rights for fair reporting because it is inaccurate which I provided a copy of my report that shows all XXXX bureaus reporting differently. To resolve this issue I want this deleted or I will move forward with a lawsuit because reporting inaccurate information is against the law according to 15usc1681i 15usc 1681s2 15usc 1681i5 15usc 1681eb Please delete these accounts expeditiously!
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX  sold my account to XXXXXXXX XXXX  When my account was sold XXXX provided the wrong information - the wrong address, phone number, email, everything. They also disabled my login, and left me unable to authenticate myself ( can't if I dont have account number or matching information ). I was unable to register a new login because my information did not match ( I live in Texas, the address was a new york corporate address for a corporation I do not work for and never did ).

This negligent act meant the company would not allow me to make payments and it took several months to correct this issue. By the time it had corrected they marked me with a 30, 60, and 90, 120, and 150 day late payment on my credit report. While the account is current now they intentionally and maliciously sabotaged my credit score. Then to add salt to the wounds they slashed my credit limit based on the low score they caused.
Consumer complaint received 2024-04-22
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. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-04-22
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. (PA)

XX/XX/XXXX, I looked at my report. I sent a letter to XXXX And XXXX on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 1681eb they are supposed to ensure this ( b ) Accuracy of report 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.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report 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.

Also my accounts was paid off and was still showing that it is open and i requested that they delete the paid off accounts from my credit report they simply updated the report and change my open account to closed. i also contacted the banks and the banks told me to contact the credit bureau 's i also contacted Experian once again and they told me they will investigate but the other 2 gave me no choice seeking for help. 

XXXX, XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Consumer complaint received 2024-04-22
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)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

The company has stated and provided a letter stating that my account has been paid in full, but Experian has not removed it from my credit report after several attempts to have them so do. I have provided Experian the letter from the loan department, and it still shows up as an unpaid loan.
Consumer complaint received 2024-09-11
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. (MS)

I have recently obtained a copy of my credit report and have identified the following item ( s ) that contain inaccurate information : The following personal information is incorrect Employers : XXXX XXXX The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 1. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX  2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX 7. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX 8. Identity Theft XXXX  Account Number : XXXX 9. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX 11. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX.
Consumer complaint received 2024-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I looked at my XXXX credit report on XX/XX/2024 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 generallf, 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 2024-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (IA)

Zelle, owned by major banking corporations, does not offer any protection from financial scams. Most, if not all of the owners banks offer fraud protection, so to not offer protection through Zelle is misleading and unethical.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-04-22
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. (MD)

On XX/XX/24 I mailed a letter to Experian expressing my concerns of inaccuracies on my credit report. Pursuant to 15 USC 1681 ( I ) ( 5 ) ( A ) information that is found to be incomplete and inaccurate must be modified or promptly deleted. My letter was received on XX/XX/24 ; theres only been XXXX item removed and I havent received a response. I have included a picture of the certified mail receipt, my letter and Experian credit report with the respective accounts circled.
Consumer complaint received 2024-04-22
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. (PA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.