davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
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. (GA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still havent heard anything back. I think my complaint is being disregarded and that Im being victimized of. It is precisely stated in section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else Ill pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and its feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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 2023-10-13
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: Experian Information Solutions Inc. (WA)

I have a late payment record on my credit report from XXXX, which I believe is inaccurate and unjust. This record has severely impacted my ability to take out loans or refinance. Two years ago, XXXX and I agreed that the monthly mortgage payment would be automatically withdrawn from my bank account on the XXXX day of each month. This was in line with my payday on the XXXX. I have bank statements to prove this arrangement. Issue Without my consent, XXXX changed the withdrawal date to the XXXX. This unauthorized change led to several denials of transactions from my bank and has made it difficult for me to make payments on time. However, I have always managed to pay before the 30-day late mark. Extenuating Circumstances XXXX XXXX, I was unable to mail the check due to international travel and XXXX XXXX
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TX)

Good morning. 

I have an American Express XXXX card since 2000. This past month, American Express closed my account without any proper notification causing my credit score to drop by 20-50 points. I found this out that my card had been cancelled, when I noticed my card had expired and I had not received a new card and I called up American Express, I was informed my only options were to apply for a new credit card. this would in turn have a negative impact on my credit score. 

Thank you
Consumer complaint received 2020-07-30
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: Experian Information Solutions Inc. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-07-15
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: Experian Information Solutions Inc. (FL)

I had no idea. My roommate stole my identity. XX/XX/XXXX. I received a letter stating that he did. I went down to the XXXX Police station. Got a police report. Did a affidavit. I wrote to all 3 credit bureaus I am a victim of identity theft. I have Hard inquiries and things in collections and credit cards and auto loans in my name that was not mine and to take it off. XXXX, XXXX, Experian. They took 4 years to take off the identity theft. As of today XX/XX/XXXX. My credit report from 2 of the 3 is almost right. XXXX still has a hard inquiry from XXXX XXXX DC XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CO XX/XX/XXXX. These Hard inquiries need to come off this was due to Identity Theft. They did take off other stuff that was in result of this mater. XXXX did the same they took off all the stuff from this matter. But they did not take off the hard inquiry. XXXX - XXXX XX/XX/XXXX. I had wrote to all 3 Last month to take them off. But they refused. 

As for as Experian, Its XXXX everything is still on my credit report. I sent everything certified mail. They did receive everything the other credit bureaus got. Never was sent a letter all the Identity theft is still on there. Accounts are. 

XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, {$17000.00}. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, {$730.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, XX/XX/XXXX, {$340.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX  FL XXXX, XX/XX/XXXX {$650.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX  FL XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX FL XXXX, XX/XX/XXXX, {$94.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX FL XXXX, XX/XX/XXXX, {$760.00}, XXXX XXXX, XX/XX/XXXX, {$1000.00}. 

Hard inquires XXXX  XXXX XXXX, XX/XX/XXXX, Bank Credit Cards, XXXX/XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-13
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. ()

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for this consumer reporting agency to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2020-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (FL)

The company Allied collection placed a debt for {$300.00} on my credit file, I have told them numerous times that anything pertaining to the original creditorXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  was paid by my insurance ( Florida XXXX ). Prior to this debt being placed on my credit file which is how I found out about it I never received any notices regarding such debt. When I filed a complaint with the XXXX   of XXXX XXXX, ACS claimed they were calling me, I have never received any calls from them, nor messages, nor WRITTEN correspondence regarding this matter. ACS needs to stop reporting inaccurate false debt to my credit report and remove the inaccuracy.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-04-05
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. (AL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I need TransUnion, XXXX and XXXX to remove late payments on account XXXX XXXX, XXXX XXXX XXXX XXXXXXXX missed payment due to cov19 pandemic and weather desaster declared by governor in Michigan. The XXXX companies asked to speak to the company but the company arent removing it or answering me back and they harming me because I want to apply for a mortgage and they not doing it. I need help thank you.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2024, and I have not yet received a response. ''
Consumer complaint received 2023-10-13
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. (MA)

In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX open date XX/XX/XXXX. 

XXXX XXXX open date XX/XX/XXXX. 

XXXX XXXX open date XX/XX/XXXX. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C ( A ) ( 5 ) section states no consumer agency may take any consumer report containing any of the following items of information and/or any other adverse idea of information, other than records of convictions of crime which indicates the report by more than 7 years. 15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer through any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-13
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)

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.

has violated my rights. Or a list of inquiries : 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 2024-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-10-13
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: Experian Information Solutions Inc. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX  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 XXXX  Account Number:XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I have tried numerous times to get them to prove the debt which they have not. I won't to see the signed copy of debt from original creditor. I want to see copies of the paperwork where you legally bought the said debt and it was transferred to you by law I am entitled to those things and have not received them. I have tried repeadly to get them to provide it and they havnt
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. (GA)

I have been an victim of identity theft. I have filled a FTC report and and documentation of this to the 3 credit bureaus.

the credit bureaus are reporting accounts on my report that do not belong to me and also are showing inquiries that i did not authorize.

In addition the credit bureaus are reporting inaccurate information that do not match across all 3 bureaus. including the date the account was opened, the total amounts of the accounts, the last date the accounts were active. all of this information has been outlines and shown to the credit bureaus.

the FCRA clearly states the all accurate information must be posted on the reporting from 3 bureaus.

not only are these accounts fraudulent and do not belong to me but they are also inaccurate and display conflicting information as it pertains to dates, and amounts.

I have not been given any proof of my signature to authorize any of these accounts and i have not been provided information as to how these accounts have been verified the responses from the credit bureau are generic and automated. 

the accounts in question are : XXXX XXXX and XXXX XXXX fraudulent inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The initial date i sent a letter requesting this information and provided my FTC documents about my identity theft situation was XXXX, a follow up was sent on XXXX and again on XXXX
Consumer complaint received 2023-10-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XX/XX/2023 Subject : Urgent Request to Remove Inaccuracies from Credit Report Dear Sir/Madam , I am writing to urgently request the removal of inaccuracies from my credit report, as maintained by [ Credit Bureau Name ] . The presence of these inaccuracies, which exceed 10 in number, is significantly impacting my ability to secure a mortgage for my new home. My mortgage company has highlighted these discrepancies as a major hindrance to my home financing. 

In accordance with 15 USC 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the expedited removal of any incorrect information from my credit report. I am exercising this right and urge your prompt attention to the following inaccuracies in my report : 1. Date Opened : The dates are incorrect and inconsistent. 
2. Balance 2 : The amounts are inaccurate and inconsistent across all records. 
3. High Credit : The reported amounts for all three credit reporting agencies ( XXXX, XXXX, and Equifax ) are incorrect. 
4. Credit Limit : The reported credit limits are inaccurate and erroneous. 
5. Past Due 5 : The past due amounts vary among the three credit reporting agencies.

6. Payment Status : The payment status is showing different days.

7. Last Reported : The reporting dates are inconsistent and differ across the three agencies.

8. Date Last Active : The date of last activity is showing discrepancies in days, months, and years.

9. Date of Last Payment : The reported dates are entirely different and not accurate.

These inaccuracies have immediate and profound consequences for my financial goals, particularly my pursuit of homeownership. I implore you to expedite the resolution of these inaccuracies in line with the FCRA.

I respectfully request that you promptly investigate and verify the information contained in my credit report and take the necessary steps to correct or remove any inaccuracies. Given the urgency of my situation, I kindly ask for immediate attention and action.

To facilitate your investigation, I have attached copies of the documents that support my dispute, including [ List any supporting documents you are attaching ].

Please be aware that the FCRA mandates the completion of your investigation within 30 days. However, I urge you to expedite this process due to the significant impact these inaccuracies have on my financial prospects.

I anxiously await your prompt resolution of this matter and expect written confirmation of the results of your investigation, as well as a copy of my updated credit report, as soon as possible. 

Your expedited assistance is greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Due to COVID 19 pandemic, we suffered financial hardship. Our business was shut down, and we lost substantial amount of income. We were granted forbearance by our lender, Shellpoint Mortgage. Our forbearance ended in XX/XX/2021. We were still having financial difficulties, so we asked our lender for loan a modification. They offered to modify our loan but there was no reduction in the monthly payment. How can it be modification when nothing was modified? In addition, there was no guarantee that our monthly mortgage payment will be reduced despite of financial harship. So, we rejected the modification and opted for post COVID deferred payment but it seems like Shellpoint is not willing to help us out to keep our home and prevent foreclosure. They have not seriously offered us reasonable options to retain our home. At this point, we can not afford to pay our missed payments in the amount of $ XXXX in order to update our account. The only options we can think of are modification or Deferred Payment that our lender refused to offer.