davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Fl XXXX Date XX/XX/year>XXXX  I am writing to file a formal complain against Equifax, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the insertion of material into my credit report. 
I sent a letter to Equifax notifying them of the insertion of : Account name XXXX  Account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ) Despite waiting for 35 days after sending the letter, Equifax has failed to remove the inserted account from my credit report, continuing to violate FCRA regulations. 
Equifax 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws. 

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer dispute. 

Account XXXX ACCOUNT # XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-06-04
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)

XX/XX/year> Account name : XXXX XXXX XXXX XXXX investigation Based on my request for a reinvestigation of the account reported by XXXX XXXX XXXX on my consumer report the first time I was not given details of investigation or shown any contract or disclosures with my wet ink signature 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : When a consumer reporting agency completes a reinvestigation of disputed information, it must provide the consumer with a written notice of the results of the reinvestigation. This notice must include : A statement that the reinvestigation is complete.

A consumer report that is based on the consumers file as that file is revised as a result of the reinvestigation.

A description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

This section ensures that consumers are given a full description of the investigation process, including who was contacted and the methods used to verify the disputed information., several key legal provisions are relevant, including 15 U.S.C . 1681 a ( e ), 15 U.S.C. 168117, and 15 U.S.C.

1681g. 1. **Verification Process** : I have the right to know how the account was verified and whether information solely from the alleged creditor was used, as per 15 U.S.C. 1681a ( e ).

This provision outlines the parameters for investigative consumer reports and specifies that information obtained directly from a creditor or consumer reporting agency does not constitute an investigative consumer report.

2. **Description of Investigation** : 15 U.S.C.

1681i7 mandates that the investigation be accurately described in its entirety. Any discrepancies in this description may indicate a failure to comply with the law. 3. **Disclosure of Information** : Under 15 U.S.C. 1681g, you are entitled to all disclosures of information on file, including the original contract with your wet ink signature and the three disclosure forms mandated by 15 U.S.C. 6802. Given these legal requirements, I demand the immediate removal of the account from my consumer report. Failure to provide the necessary disclosures and evidence to support the account 's validity would constitute a violation of consumer protection laws and necessitate its removal.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report from your organization on [ date you pulled your credit report ] and noticed a credit inquiry that I did not authorize. 

I contacted XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile. 

At this time, I am requesting that you launch an investigation into the inquiry by all three lenders to determine who authorized it. 

If you find that my claim is true and the inquiry is invalid, I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. 

If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 15 days of the closure of this dispute. 

Thanks in advance for your assistance with this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-06
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I looked at my EXPERIAN credit report on XX/XX/year> 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 supposed 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. 
According to 15 USC 1681s-2 they are supposed 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and Im 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 three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2017-02-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

My husband passed away 8 years ago. I recently assumed the mortgage. Nationstar has not corrected the name on the mortgage and has n't sent me a correct XXXX. I 've received a XXXX that has no numbers in the interest paid field. My name is incorrect. So far, I 've received 3 different XXXX forms-none of them are correct.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (NJ)

I applied for a credit builder loan. Apparently it's not a loan. Money lion takes money out of your checking account every month and keeps it until you pay off XXXX dollars. Once you pay off this XXXX dollars, they are supposed to give you the money back. I paid off my XXXX dollar credit builder loan on XX/XX/XXXX. Not only will they not pay me. I can't get a superviser. I keep being told the escalation department is handling this already, yet it'd bee. 2 weeks, no one has contacted me. I've called every other day for the last 10 days.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-07-04
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. (TX)

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-05-06
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 am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There are incorrect negative items on my credit report XXXX XXXXXXXX Account # XXXX Late Payment : XX/XX/2017, XX/XX/2017, XX/XX/2017 2017
Consumer complaint received 2019-02-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

I received a letter in the mail from One Main Financial with a request to refinance my account and funds were available after refinancing. However, they added more money to my account and fraudelent placed on my account 2 different amounts of refunds totaling {$3600.00} and {$110.00}. After One Main fraudelent placed those amounts on my account. My account increased to {$18000.00}. i had paid off {$2800.00}, a total of one years worth of payments.. The company sent an ACH to my account a total of {$2900.00}, after I left there ofn XX/XX/2018. I spoke with the manager and XXXX XXXX and asked him to fix this account because it is incorrect and he says it was not. I did not receive these monies in my account or under no circumstances. I can not believe that he expect me to pay for monies that I have not received. This is outright fraud. I do not know if he or his employees received thi money and is trying to make me pay for it. I have all the documentation to confirm what I received and was distributed to me. He also placed the amount of finance charges back on my account to bring it to a total of {$18000.00}. Please advise. I appreciate your time and concern with this matter. It is fraudelent and unwarranted, incorrect and creating a hardship.
Consumer complaint received 2024-05-06
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. (IN)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX ( account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

I applied for a credit card from JPMCB CARD SERVICES on XXXXXXXX and was denied and asked for return of appplication if no credit card would be issued. I was declined both the return of my instrument as welll as reconsideration and approval for credit instead the employee scrutinized my credit report of personal information stating that I was not credit worthy and I have it all on a audio recording as I tried to reason with the employee. I asked were they in compliance with truth in lending as well as fair credit opportunity act an which she say they were but she still proceeded to belittle and discriminate against me but per 15 U.S.C. 1691 a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NC)

I purchased tickets from Box Office Sales to a concert and the seller did not provide the tickets, charged my credit card incorrectly ( more than agreed ), and did not provide a service offered ( insurance ) in the closing documents. I filed a dispute with my bank and according to my credit agreement if the seller does not respond within a timeframe the dispute gets settled in my favor. Also, the card was an XXXX and has specific rules on disputes that Wells Fargo did not follow in the resolution. Nearly 3 months later they called me and told me that the charges stand and nothing can be done. I still do not have the tickets, an adjustment to the overcharged amounts, or the insurance purchased.
Consumer complaint received 2024-06-04
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

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.