davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
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. (MI)

I recently pulled my credit report on XX/XX/XXXX. I've noticed that XXXX, Equifax, and XXXX are reporting inaccurate, duplicate accounts, different payment status, different worst delinquency, and reporting on a account that was closed XX/XX/XXXX. 
Account number XXXX XXXX XXXX XXXX  is reporting payment status for Equifax and XXXX as ( Paid or Paying as agreed ). While XXXX is reporting legally paid in full for less than full balance. This account was closed on XX/XX/XXXX. This account reported 30 days late on XX/XX/XXXX and a charge off after I closed it on XX/XX/XXXX. How is this possible that they reported inaccurate and incomplete information when the account was paid and closed months earlier. XXXX reported a 30 day late payment as well on XX/XX/XXXX after the account was closed. Now Equifax is still running this account as active in XXXX ( See Attached supporting documents ). 
I have sent a certified letter to this company on XX/XX/XXXX requesting that they send me the original contract. I never received any documents nor did receive any response in all this time. I am requesting that this account be DELETED from my XXXX, Equifax, and XXXX credit profile. They have violated FCRA and continues to do so as of today.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-31
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. (MI)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-01
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: EQUIFAX, INC. (FL)

I've ensured that payments on this account are always made on time, without becoming overdue. I am uncertain why there are reports of late payments on my accounts. According to 15 USC 1666b, any billing errors should be rectified.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-09
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)

I, XXXX XXXX, the undersigned, am writing to formally dispute the inclusion of a late payment entry on my credit report, specifically pertaining to my XXXX XXXX XXXX XXXX account for the month of [ XXXX ]. Upon meticulous review of my credit report, I was profoundly dismayed to discover this entry, as it unequivocally misrepresents my payment history and has egregiously impacted my creditworthiness. 

As delineated within the annals of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are unequivocally mandated to adhere to reasonable procedures ensuring the utmost accuracy of the information comprising consumer reports ( 15 U.S. Code 1681e ). It is, therefore, incumbent upon the credit reporting agency to ensure that the information disseminated in my credit report accurately delineates my payment behavior and fiscal probity. 

I maintain, with unwavering conviction, that the inclusion of this late payment entry is egregiously erroneous and patently fails to accurately portray my paymet conduct with XXXX XXXX XXXX XXXX. Consequently, rectification of the entry 's status to " paid as agreed '' is not merely an equitable resolution, but a requisite measure essential to safeguarding the integrity and veracity of my credit report, as mandated by the hallowed provisions of the FCRA. 

Furthermore, pursuant to the auspices of 15 U.S. Code 1681c, it is incumbent upon a consumer reporting agency to permit a user of a consumer report to divulge the contents thereof to the consumer, should adverse action be taken against the latter based, either wholly or in part, on the contents of said report. Therefore, I hereby demand full disclosure of the contents of my credit report in relation to this dispute. 

In the event that the aforemntioned equitable resolution is unatainable, I am left with no recourse but to entertain the prospect of terminating my association with XXXX XXXX XXXX XXXX and exploring alternative avenues. It is of paramount importance that my credit report accurately reflects my fiscal standing, thus facilitating the administration of equitable and transparent lending practices. 

I hereby demand that you conduct an exhaustive investgation into this matter forthwith and take requisite measures to expeditiously rectify the inaccuracies pervasive within my credit report. Your immediate attention to this matter is of the utmost exigency and is earnestly anticipated.
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

I requested details for a fraudulent application for a Home Depot consumer credit card, reference number XXXX. 

I have recently been a victim of identity theft. Someone attempted to open a credit card using my identity for a Home Depot Consumer Credit Card on or around XX/XX/year>. I made a FACT act request, or request for records pursuant to section 609 ( e ) of the Fair Credit Reporting Act, using the application reference number XXXX. 

However, it has been impossible to identify an address to mail this request in. I have spoken to multiple customer service representatives at Citibank, and departments and no one seems to know where to submit this request. The creditor is listed as Citibank.

I have also mailed a request for records to Citibank and they are not able to assist without a credit card number. However, this credit card application was denied, therefore no account number was generated.
Consumer complaint received 2024-05-31
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. (DE)

This letter serves as a formal notice demanding the immediate removal of several unauthorized inquiries listed on my credit report. These inquiries were made without my consent or any valid permissible purpose, thereby constituting a violation of multiple federal laws protecting consumer rights. 

Inquiry Details : - Equifax Mortgage Service ( Miscellaneous ) Date of Inquiry : XX/XX/XXXX - XXXX XXXX XXXX XXXX ( XXXX  ) Date of Inquiry : XX/XX/XXXX - XXXX ( XXXX  ) Date of Inquiry : XX/XX/XXXX XXXX. Supremacy Clause According to the Supremacy Clause, federal laws take precedence over state laws and corporate policies. Your agency is legally obligated to comply with federal regulations regarding credit reporting and consumer privacy, rendering any conflicting state law or internal policy secondary and non-applicable. 

2. 15 U.S.C 1681 ( a ) ( 4 ) This statute emphasizes the protection of consumer privacy. The inclusion of unauthorized inquiries on my credit report represents an invasion of my privacy, violating this statute. Consumers have an absolute right to maintain the confidentiality of their personal information. 

3. 5 U.S.C 552a ( b ) No agency is permitted to disclose personal information without the written consent of the individual involved. These unauthorized inquiries were made without my explicit consent, constituting a direct violation of this provision. 

4. 15 U.S.C 1681b ( a ) ( 2 ) This law requires a permissible purpose for furnishing a credit report. I did not provide any such permissible purpose for these inquiries, making them unauthorized and illegal under this statute. 

5. 15 U.S.C 1681b ( c ) ( 3 ) During my recent investigation into these erroneous inquiries, your agency incorrectly advised me that the law mandates the inclusion of these inquiries. This is a misrepresentation of the law, which clearly states that you " shall not furnish to any person a record of inquiries '' without permissible purpose. Consequently, these inquiries must be removed immediately. 

6. 15 U.S.C 1681a ( d ) ( 2 ) ( i ) According to this provision, a consumer report does not include any report containing transactional or experiential information. The unauthorized inquiries in question should not be included in my credit report. 

In light of these clear legal violations, you are required by law to take the following action : 1. Remove the unauthorized inquiries listed above from my credit report. 
2. Provide a confirmation letter stating that the inquiries have been removed. 
3. Rectify my credit report to ensure it no longer includes these unauthorized inquiries. 

Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the relevant statutes. Unauthorized inquiries significantly impact my creditworthiness and overall financial health, and your prompt compliance is not only expected but mandated.
Consumer complaint received 2024-05-31
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Trans Union had a glitch in their system that violated the rights of their consumers in der section 6.11.As a result, I have been gravely affected by this with my score suffering as a result of the glitch. No notice was given which is a violation and I am requesting that All inquiries listed be removed. 
XXXX
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (IL)

Have had a XXXX XXXX account since XX/XX/XXXX. Have never had a late payment. Father was primary contact on card until deceased on XX/XX/XXXX. No problems until XX/XX/XXXX. I requested to become primary contact on account. Was given a form to fill out, which I did and returned to XXXX. Was then told I filled out incorrectly, so I requested it to be sent back to me to be corrected by email. XXXX agreed to do that & send it by regular mail. I didn't receive either email or regular mail. 

XXXX then cancelled the whole account on XX/XX/XXXX due to not receiving their KYC form back. When I called to explain situation & get account back active I was told multiple times that wasn't an option. The best scenario they gave me was to re-apply for a new account. 

I'm fine with having to do that or get a different card company to give me an account, but we had XXXX rewards points to redeem. XXXX will not honor those points as they stated the account was closed, not due to non-payment, and could not honor the request. 

Being delinquent, lying on an application, or just wrong on how to operate business is grounds for termination with cause. This is not that scenario.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have filed multiple disputes with Equifax regarding inaccurate information on my account. Currently they are showing accounts from Dept. of Ed. With balances at over $ XXXX and $ XXXX. 
I have disputed the same information from my XXXX and XXXX reports and they have removed them. 

The accounts are null and void due to court settlement XXXX XXXX XXXX, which I sent XXXX the complete legal settlement document and information about the landmark case that has canceled the debts of XXXX XXXX borrower victims of predatory lending. Part of the settlement requires the loans be completely removed from my report as if they never existed. 

XXXX has failed to fulfill its obligation to report accurate information on my credit report.
Consumer complaint received 2024-05-31
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX  Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-01
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. (FL)

I am working to fix wrong reports on my credit file. I should get {$1000.00} per mistake according to the Fair Credit Report Act. FCRA 605B says we must report wrong accounts.
Consumer complaint received 2016-08-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Global Mobile Limited Liability Company (TX)

In 2014, I went to XXXX in order to buy a mobile home. I paid them in good faith a deposit of {$3.00}. They promised me that my monthly payment would be {$830.00} and would not rise. A few days of being there I got an increase in the payment. An later, I got another increases in the payment. With this second increases my budget was not enough to pay. So, I decided to leave because I could not afford the new payment. I preferred to lose the {$3500.00} that had given of deposit. To my surprise I am seeing that they put a judgment against me on XXXX XXXX. Please see my credit report ( attachment ). I should put a judgment against them for {$3500.00} I lost. Please investigate this company because I 'm not the only one who has had this kind of issues by this entity. Additionally, I need help in order to remove the trial they put against me.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute the information being reported on my credit report concerning an account with XXXX XXXX ( Account Number : XXXX ). I have noticed that this account has been marked as " charged off '' in XX/XX/XXXX, which is incorrect and adversely impacting my credit score.

To provide context, the account in question pertains to a car lease that ended in XX/XX/XXXX. The final payment for this lease was made in XX/XX/XXXX, and the car was subsequently returned in XX/XX/XXXX. There were no outstanding payments or issues with the account at the time of the lease termination.

I recently discovered that XXXX XXXX has reported this account as " charged off '' in XX/XX/XXXX, which is inexplicable given that the account was settled and closed in XXXX. I have spoken to XXXX, a manager  at XXXX XXXX XXXX, who confirmed that there is no apparent reason for this delayed and incorrect reporting. She advised me to file this dispute as she is not a credit specialist and unable to provide a detailed explanation for the discrepancy.

According to the Fair Credit Reporting Act ( FCRA ), information reported on a consumers credit report must be accurate and verifiable. The current status of my account as a charge-off is neither accurate nor verifiable, considering that the account was fully paid off and closed almost three years prior to this erroneous report. 

Therefore, I am requesting that XXXX XXXX correct this error immediately by updating the account status to reflect that it was paid off in full as of XX/XX/XXXX, with no charge-off status. This adjustment is crucial to rectify the negative impact on my credit score and restore my ability to apply for new credit without undue hindrance.

Please confirm receipt of this letter and inform me of the steps that will be taken to correct this error. If you require any further information or documentation from my end to expedite this process, please do not hesitate to contact me at XXXX. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (FL)

I have spent a year ( so far ) trying get all reimbursements due on an insurance claim from Seneca. They hold the money from the insurance during this arduous, redundant process and appear to be incapable of performing their responsibilities. Since XXXX 2015, I have been told 4 times that a check will be sent and still have not received XXXX. Each time I call, they are unable to track the check or confirm one was even mailed. Today I was told the same, the had to provide the loss information again so they could create a new " claim '' in order to generate a " draw ''. I have wasted way too much time trying to get this last {$100.00} from them and pursue this only as a matter of principle. I 'm convinced they intentionally make the process arduous in order to keep money as long as possible. This is just the latest problem we have experienced with Seneca. My previous compliant at least resulted in a positive change to make claim forms available online.
Consumer complaint received 2024-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: GUARANTEED RATE INC. (ME)

I recently closed on a mortgage on XX/XX/year>. I made my first Payment on XX/XX/year>. I the received a letter from my Original Loan Servicer... 

GUARATEED RATE XXXX XXXX XXXX XXXX, GA XXXX Stating that my loan had been transferred to a new services ; .... 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX The account number I was given from my current loan servicer, for my new loan servicer was wrong. Trying to contact my new loan services to find out where to send my payment for XX/XX/year> was impossible ; Automated systems hanging up on me, information for my loan not in their system, hold times in excess of XXXX min. 

I finally went ahead and made my loan payment to my original services XXXX Guaranteed Rate XXXX XXXX on XXXX XX/XX/year>. 

Now finally I have found and been able to create an online account with my new loan services. The account number for my new loan services was completely different from the XXXX my previous loan services had given me. 

Now, of course, my account with my new loan services shows as past due. Why hasn't my payment been transferred from XX/XX/year>? its been XXXX weeks! 

This isn't rocket science, its 2024 these companies should have this down to a science by now. Do I make a XXXX payment for XXXX, will my payment be transferred to the new loan servicer, Have I just lost $ XXXX?