davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

On XXXX XXXX I sent Experian an letter requesting how Experian investigated a fraudulent account that was reinserted back on my credit report and it had been over 30 days no comply and that Experian did not due an proper investigation before they reinsert an fraudulent account as identified in 15 USC 1681a section 603E and is in violation of that law, I tried several times but Experian wants to due what they wan na due, but not to me. I going to make sure Experian as well as XXXX mainly Experian. Because Experian did not due a proper investigation, if they have I wouldn't be filing another complaint. And this time I have proof and I'm not letting up every information that's not accurate on my Experian Credit Report I'm seeking Damages as proscribed by 15 USC 1681n and 15 USC 1681o. so I don't give a XXXX about Experian I know one thing Experian as well as the other reporting agencies gon na abide by the FCRA LAWS. Or keep getting fined.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Experian Credit Bureau is still reporting an inaccurate account from the company : XXXX XXXX XXXX XXXX account # : XXXX and account # : XXXX. This account was disputed multiple times for the first fraud and continuously reported on my credit report without proper investigation. I have never received any written correspondence from either company, Experian or XXXX, about my credit report or an update to my credit report. 
I would like this account removed immediately from my credit report. The account is also charged-off and a charged-off account by a creditor or financial institution is considered income. And income can not be reported on a credit report.
Consumer complaint received 2024-06-05
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 sent a letter last XX/XX/XXXX to delete the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
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. (IN)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am asking for an investigation because these accounts on my credit file are incorrect. The Fair Credit Report Act says I should get {$1000.00} for each error. FCRA 605B requires reporting wrong accounts on a credit file.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to request the removal of unauthorized inquiries from my credit report. Upon reviewing my report, I noticed several inquiries that I did not authorize. These inquiries have adversely affected my credit score and financial standing, and I am concerned about their impact. I have enclosed a copy of my credit report, with the unauthorized inquiries highlighted for your reference. I kindly ask that you investigate these inquiries and remove them from my credit report promptly.

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) ), inquiries related to credit or insurance transactions not initiated by the consumer should not appear on their credit report. Since I did not initiate these inquiries, it is essential that they be removed. Furthermore, non-compliance with 15 U.S. Code 1681e, which mandates the highest accuracy in credit reporting, infringes upon my consumer rights.
Consumer complaint received 2024-06-05
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-12-21
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-05
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)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Account name : XXXX XXXX XXXX XXXX : Dispute of Late Payment Account Number XXXX To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit report associated with my XXXX XXXX XXXX account number XXXX. Upon reviewing my credit report, I noticed an entry indicating a late payment that I believe is incorrect. 

According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, the use of consumer reports is regulated to ensure accuracy and fairness in credit reporting. I believe the late payment reported on my account does not accurately reflect my payment history and is adversely affecting my credit score. 

To support my dispute, I am providing the following details : XXXX. **Account Information** : - Account Holder : XXXX XXXX XXXX Account XXXX : XXXX XXXX. **Disputed Item** : - Date of Alleged Late Payment : [ Date of Late Payment ] XXXX. **Reason for Dispute** : - I have always made timely payments and have not missed any payments for the period in question. 

I kindly request that you investigate this matter and remove the incorrect late payment entry from my credit report. Additionally, please provide me with written confirmation that the error has been corrected. 

Please respond to my dispute within the time frame specified by the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your confirmation of the correction. 

Thank you for your assistance. 

Sincerely, XXXX XXXX Enclosures : copy of ssn card & identification
Consumer complaint received 2024-06-28
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. (AL)

I found these credit inquiries on my credit report. I do not recognize them nor did I authorize them. 
XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX  XXXX XXXX  XXXX  : XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Account name : XXXX XXXX XXXX XXXX : Dispute of Late Payment Account Number XXXX To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit report associated with my XXXX XXXX XXXX account number XXXX. Upon reviewing my credit report, I noticed an entry indicating a late payment that I believe is incorrect. 

According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, the use of consumer reports is regulated to ensure accuracy and fairness in credit reporting. I believe the late payment reported on my account does not accurately reflect my payment history and is adversely affecting my credit score. 

To support my dispute, I am providing the following details : XXXX. **Account Information** : - Account Holder : XXXX XXXX XXXX Account XXXX : XXXX XXXX. **Disputed Item** : - Date of Alleged Late Payment : [ Date of Late Payment ] XXXX. **Reason for Dispute** : - I have always made timely payments and have not missed any payments for the period in question. 

I kindly request that you investigate this matter and remove the incorrect late payment entry from my credit report. Additionally, please provide me with written confirmation that the error has been corrected. 

Please respond to my dispute within the time frame specified by the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your confirmation of the correction. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX : copy of ssn card & identification
Consumer complaint received 2024-03-25
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-09-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Movement Mortgage LLC (PA)

I was Force to forfeited my earnest money by the seller due to the improper handling of the FHA loan. I was forced to sign away the money unknowingly, be sued by the seller for taking to long to close The UW from Movement Mortgage took almost 125 days to close the deal and the deal ended up being lost. I lost over {$5000.00} in the process and the house put back on the market behind because they couldn't get it done in a timely manner. I started my first contract on XX/XX/2023 and it ended XX/XX/2023. during this period after 45 days the seller was being paid {$100.00} a day until closing. They were very unprofessional and they wouldn't talk to my agent. There was very poor communicators throughout this whole process. I was put through so much stress behind this situation I wound up losing my job. on XX/XX/2023. UW put me on a yo yo for weeks. Everyone had a responsibility to do their job but I was the only one that suffered a loss of substantial significance. and I need your help to investigate their practices. They switched me from a conventional loan to a FHA after I was already approved with conditions. The Lender convinced me to try a XXXX loan to help with miner repairs, and asked me to hire a GC to do the repairs but gave me every little understanding of how the procedure would work. This turned into a nightmare of epic proportions .Even my agent didn't understand what they were doing and UW refused to talk to him over the phone or by email. i Feel as though I was taken advantage of. Maybe if the process was explained correctly the outcome would have been different. My Agent, Lender, and GC where of Color, they all agreed that this process took entirely to long. and are willing to testify to the inappropriate action of UW of Movement Mortgage. 
Please Im seeking Help with this matter.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

I am writing to express my disappointment with the ongoing issue concerning the removal of these fraudulent items from my record, despite these attempts to rectify the situation. In regards of providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the fraudulent items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (IL)

My account has been incorrectly reported as 30 days late to the credit bureaus when payments have been received and posted on my account every month per their website. This information needs to be corrected to reflect on time and any late payments removed. This issue is affecting my credit worthiness and any future inquiries
Consumer complaint received 2024-06-05
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX 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 2023-09-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE (NY)

I opened up a savings account with Barclay on XX/XX/2023 ending in XXXX. I linked my accounts as requested and deposited two funds totaling in {$5500.00}. They did not state any problems with the first transaction but during the second on XX/XX/XXXX they suspended my account without any notice. I attempted for days to enter my account to access my funds without assistance. I called Barclay where they stated that I needed to send over my ssn, bank statement, drivers license. I provided all the information and then had to call back days later to find out they had closed my account without any prior notice. This was on XX/XX/2023. I was told that in 5-7 business day my funds would be returned to my original account. I waited till XX/XX/2023 to call again because I had not received anything. I called my original bank and they stated not getting any notice of a deposit from Barclay. I called back on XX/XX/XXXX where they stated " it was already cleared, it has been sent, it will be there by XX/XX/XXXX ''. 
On XX/XX/XXXX nothing had been cleared. I call back Barclay and I am first told it is being sent to my other account. Then I am asked to verify my information. Then finally I am told I need to contact my original back and request that they retrieve my money back. When I ask " why is it a different answer every single time, I just want my money back ''? They had no answer. It is now XX/XX/XXXX, its been 7 business days. I can not seem to retrieve my funds, get a clear answer of their transfer or placement, and the banking support at Barclay refuses to assist me. They have closed my account so I can not even request personally to have them transferred back. 
This is dishonest service. These are my savings. I have worked so hard for this money and they are treating it like it is nothing. 
This needs to be addressed.
Consumer complaint received 2024-06-05
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. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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)

Investigate the following files below, the police report is attached to the files. Along with proof of address. I would like to be proven that the account belongs to me. I would also like for the accounts to be removed an a updated report be mailed to me please.
Consumer complaint received 2023-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (FL)

XX/XX/2023 Central Portfolio Control located XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX started reporting on my consumer reports of an illegitimate account from XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX in the amount of {$1300.00} I didn't even know this existed as I was personally never notified by either party, there are no dates or contact numbers on my consumer reports and this is clearly not my debt. I applied for a mortgage in XX/XX/2023 and was told this was on my consumer reports. For the past 4 months numerous attempts have been made to get this illegitimate charge removed to no avail. Central Portfolio Control is reporting false and damaging and simply misleading information that is causing me a monetary hardship. Their predatorial methods should be against the law. I am asking for help from the CFPB in getting this company to remove this erroneous account off my consumer reports.
Consumer complaint received 2024-07-25
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. (MD)

XXXX Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX md XXXX, XXXX : XX/XX/XXXX, social security # XXXX. Contents of complaint ; This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) That you the TransUnion credit reporting agency block the following information from my credit report that isa result of fraud & identity theft within 4 days of you receiving this complaint. 
this fraudulent and inaccurate information consist of credit card accounts : XXXX XXXX & XXXX Account # XXXX opened on : XX/XX/XXXX, XXXX XXXX bank XXXX Account # XXXX, XXXX Account # XXXX opened : XX/XX/XXXX I do not recognize the accounts & inaccurate information, collections appearing on my consumer credit report maintained by you TransUnion, which I did not open, allow or create & or initiated by me. All of the accounts/inaccurate information are a result of identity theft & fraud. I have enclosed a copy of my TransUnion credit report and FTC Report Number : XXXX as proof from the us federal trade commission that all of the accounts listed are a result of fraud and identity theft In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft Within 4 days of receiving this complaint, Thank you.