davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
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. (NV)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-05-21
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)

I am writing to follow up on my previous letter dated XX/XX/2024, regarding the accuracy and completeness of certain information reported about me. As per the Fair Credit Reporting Act ( FCRA ) 611, I requested an investigation into several accounts listed on my credit report. However, I have yet to receive a satisfactory resolution or response to my dispute.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filed a dispute on a transaction and opened a claim witht the bank on XXXX XXXXXXXX XXXX. The transaction involved was with merchant XXXX XXXX I had previously contacted the merchant XXXX XXXX who refunded my account the transaction amount of {$130.00} on XXXX XXXXXXXX XXXX. Capital One was still invesigating claim # XXXX and issued me a tempoary credit of {$130.00} not ealizing th merchant had already credited me the amount and the dispute was resolved. I contacted the Bank because my remaining balance was eflecting {$200.00} when the correct amount should have ben {$78.00}. and was told that the bank had made an internal decision to close my accounton XXXX/XXXXXXXX and my remaining funds would be mailed to me once their investigation was completed. Finally the bank took back their temporary credit on XXXX/XXXXXXXX  and informed me I would be receiving my remaining funds within 2-5 business days. I have bowo made 4 seprate phone calls each time being told the investigation was completed on XXXX/XXXXXXXX the last converrsation was on XXXX/XXXX/XXXX with claims supevisor XXXX employee # XXXX I still have not received my funds or an explanation as to why my acccount was closed. I have been a client with this bank since XXXX Can you please help me to eceive my remaining funds of {$78.00}.
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (FL)

Hello, my account has a shortage in the escrow because of some homestead exemption taxes that were found that they were behind with an amount of {$48000.00} and what phh mortgage has done is put that shortage in top of my monthly mortgage payment which has an increased {$1800.00} additional to my monthly mortgage payment. I used to pay about {$1200.00} and now my mortgage payment is {$2800.00}. This is unbearable and its just cruel. I dont want to lose my home!
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This particular account is being reported incorrectly, so please take it off my credit file. I am entitled to {$1000.00} for each erroneous report on my credit file.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wont let my personal info to continue to be reported wrongly. Its affecting me mentally and emotionally causing great XXXX. I demand you fix and update my personal information as quickly as you can so this wont turn into a lawsuit.
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: EQUIFAX, INC. (CA)

I am writing to formally contest the inclusion of fraudulent accounts in my Equifax credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this accounts persist on my Equifax report. After uncovering these fraudulent accounts, I contacted the relevant companies, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged these accounts from their records after verifying its fraudulent status. I am puzzled as to why Equifax continues to report these fraudulent accounts, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (OH)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 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 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit score dropped considerably because of your faulty reporting, these accounts are inaccurate/incorrect and brought me nothing but stress and problems. An account that I have already settled ( XXXX ) is still appearing on my credit report. This is frustrating, you guys are hindering my ability in achieving financial freedom and getting approved new credit.
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: EQUIFAX, INC. (NJ)

After being contacted numerous times by the creditor seeking an alleged debt which is against the law and violates my right of privacy, I've then reached out to them asking them to verify the debt with the proper documentation. The documentation that I asked for included signed signatures and agreement between me and the creditors in which failed to provide me. I have no knowledge of the creditors seeking this debt in which they unlawfully reported to the credit reporting agencies. Equifax is reporting this account to my consumer report but the accounts and information listed in my dispute letter does not belong to me nor have the permission to be reporting. I am aware that in order for any account or information listed on a consumer report must. be verifiable and accurate ion which these accounts aren't. By Equifax reporting this inaccurate information, my credit score is being negatively impacted which impairs with my ability to obtain housing or funding or have any potential relationships with banks or lenders. I am asking that Equifax investigate my dispute letter and remove any information that's not verified or accurate. I understand that consumer reporting agencies. must do what's fair and equitable for the consumer in which them reporting information that has no legal right to report isn't fair nor equitable for me. Never id Equifax have the right to furnish a consumer report on my half which is a violation. Attached to this complaint is a copy of my dispute letter with the accounts and Information that I'd like removed from my consumer report. 

Violations committed by Equifax and the creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
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: EQUIFAX, INC. (IL)

Did not consent to unauthorized inquiries the inquiry was not authorized. Also, the inacurrate addresses XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX FIRST XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
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: EQUIFAX, INC. (NY)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Balance : {$77000.00} XXXX XXXX XXXX XXXX Balance : {$4900.00}
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: EQUIFAX, INC. (NY)

I sent a copy of the FTC report, and it has come to light that 3 credit bureaus are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following documents listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX  XXXX XXXX Balance Owed : {$2600.00} XXXX  XXXX Balance Owed : {$400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3100.00}
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIRST INTERSTATE BANCSYSTEM, INC. (NH)

For 20 years I held a free checking account at XXXX XXXX XXXX. Over that time I never accrued any fees of any kind. 

I moved away with an XXXX XXXX assignment a long time ago and since forgot about the account where it continued to never accrue any fee or charge of any kind. 

First Interstate Bank acquired XXXX XXXX XX/XX/2022. 

Without my knowledge and without any contact, the account held there immediately started accruing completely arbitrary and predatory {$25.00} fees for various reasons and now there is over {$230.00} in overdue charges. I only just learned about this because of a recent credit check I ran. 

Since I'm not in the area, I can not attend to this in person and there doesn't seem to be a way to remedy this amicably or close my account in an easy manner as I wish. 

Now they posted an 30 day overdue account to my credit report and my flawless credit took a XXXX point hit, all because they want to apply random fees and charges that were never part of my original account -- terms that I never agreed to nor was even made aware of.
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX shows up on my XXXX XXXX as being NOT Paid/Paid LATE. I told XXXX to tell XXXX, XXXX, and Transunion to REMOVE themselves from my XXXX XXXX because I AM A VICTIM OF IDENTITY THEFT and FRAUD. SEE POLICE REPORT. MY CREDIT SCORE IS DAMANGED. THEY NEED TO REPORT TO ALL 3 AGENCIES NOW TO REMOVE.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute information related to my bankruptcy case, XXXX, which is reflected in the court records. After reviewing the records, I have identified inaccuracies that need to be addressed and rectified. I kindly request your assistance in investigating and correcting these errors.Maintaining accurate and reliable bankruptcy records is essential, and I am committed to ensuring that the information accurately reflects my case and its outcomes. Please submit that the information has been validated by Georgia Bankruptcy Court located at USBK Court XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I kindly request a thorough investigation into the disputed information and a prompt correction of any inaccuracies found. If discrepancies are confirmed, I expect a written summary of the results and the necessary adjustments made to the court records.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

consumer credit reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the fcra. I contacted Experian and asked for The investigator to remove the inaccurate account from my consumer report that they were illegally reporting and I requested specifically their alleged original application bearing my signature They have not been able to provide such proof. this address does not belong to me, and I have never lived at this location or held a lease, this address is not reported on the other XXXX major reporting agencies ' reports Please have it removed XXXX XXXX XXXX, GA XXXX,
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-21
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. (GA)

Recently I looked at my credit report, and I noticed several inaccuracies with one of my accounts. This account is reporting late payments and different dates for date opened XX/XX/2022, and XX/XX/2022. These inaccuracies are seriously hurting my credit score and my ability to obtain credit. I need this account updated and deleted from my credit score. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXXXXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


6. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


9. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


10. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 


12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 


13. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


14. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX, XXXX XXXX XXXX Account Number : XXXX Delete this account. 


15. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XX/XX/24 -- XXXX All my credit cards by Capital One were closed. 

XX/XX/24 -- > I spoke with customer service to request the reason why my accounts were closed and their response was : " The account holder is or was under legal action. '' I asked them what kind of legal action I'm under that could galvanize them to eradicate all my accounts and they responded by telling me to look at public record. I do have a XXXX  record from about XXXX years ago but it is nothing related to finance or anything that could threaten their institution. I have successfully paid all my debts with their company for the past decade and don't see why I have been shut out unprovoked. It is upsetting that I might be getting discriminated against based on my XXXX  record for a mistake I made as a XXXX. Their only reasoning for shutting down my account was for, " legal action that could be in the past or present. '' In conclusion, after reading an article from your website about, " What is credit discrimination? 
The Equal Credit Opportunity Act makes it illegal for a creditor to discriminate in any aspect of credit transaction based on certain characteristics. '' I think this situation should be looked at by an objective third party to see if there was any discrimination or unfair treatment done. 

Thank you,