davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

Back in XX/XX/XXXX, we put in a 60 day notice for move out of our home and we were answered back and it was put into effect that the move out is for the end of our lease term. Now we are being overly charged for early termination fee, rent and utilities for months we did not live there for, services while we did not live there and move out charges that when we ask for what it is, we don't get an answer. I have connected them with a letter of XXXX the XXXX, XXXX. We started calling both the RentDebt and XXXX XXXX to get this fixed and after three " disputes '' and emails from me showing my move out we are still being charged. We sent a Demand Letter for our charges to be removed and our deposit back on XXXX the XXXX, XXXX. I received a call today XX/XX/XXXX, from RentDebt, that we still owe the charges regardless of our proof. We informed them that we will be contacting the Fair Credit Reporting and reporting this wrongful charge. As well as contacted XXXX in one more final attempt to fix this matter.
Consumer complaint received 2024-03-22
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. (IL)

I'm reaching out to contest the addition of this bankruptcy to my credit report. It's deeply concerning because I have a court letter explicitly stating that this bankruptcy should not be included in your records. Moreover, the involvement of an unauthorized third party only exacerbates the absurdity of this situation.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NC)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date XXXX Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX Date of XXXX XX/XX/2023
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-04-24
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. (MI)

I am writing in regards to the account number XXXX that the company, XXXX XXXX XXXX, has listed on my credit report. I have previously contacted your company requesting validation of this debt, and to date, I have not received a response or any documentation that verifies this debt or a signed contract. 

As I stated in my previous correspondence, I have no knowledge of this debt and have never entered into an agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and to dispute its validity. Your company has failed to provide me with any documentation that proves the validity of this debt or a signed contract. 

Therefore, I request that you remove this account from my credit report immediately. Your failure to provide validation of the debt or a signed contract is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I also request that you cease all collection activity on this account until you can provide me with the requested documentation. Any further attempts to collect on this debt without providing verification are illegal and a violation of my rights under the FDCPA. 

I urge you to take immediate action to correct this error and provide me with the requested documentation. I look forward to your prompt response to this matter.
Consumer complaint received 2023-04-24
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: Colony Brands, Inc. (AR)

On XX/XX/2023, after unfreezing my credit reports, I set up a direct payment to clear off two debts that were showing on my credit reports. The companies Seventh Ave and XXXX XXXX both of the same address XXXX XXXX XXXX, XXXX, WI XXXX. As agreed the direct payment was paid to these two accounts via a bank draft. AFTER the accounts where cleared by my bank, the companies came back onto my credit file, first marking the account as paid, then came back later the same day and reported that the accounts where charged off, which is a lie. They were both paid in full.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are several inquiries on my Transunion credit report that I have disputed. I mailed my disputes off XX/XX/2023, and Transunion received my disputes on XX/XX/2023. When I call to check the status of my disputes. The representative explains that they dont have my dispute letters I mailed off. However I mailed the dispute letters off disputing my personal information, negative accounts, and unauthorize inquiries that is listed on my credit report. I have not heard back from Transunion yet with any update on my dispute. After you send a dispute letter to the credit bureaus, they have 5 days to send something back stating the fact that they receieved your dispute and a investigation is underway. However Transunion have not sent me any notifcation that they have received my dispute. 

I also filed a FTC identity theft report as proof that I am a victim of identity theft and the hard inquiries Transunion is reporting on my credit profile is not authorized by me and to remove them. 

Attached is the return receipt slip as proof that they received my disputes, along with the dispute letters.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Im not using any third party for this matter. I represent myself by myself. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. I have filed FTC report for this matter and included this report in a package. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Please remove these fraud items from my report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (CT)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXXXXXX Filed on XX/XX/2019 Reference number XXXX XXXX, XXXX XXXX XXXXXXXX Filed on XXXX XXXX XXXX  Reference number : XXXX
Consumer complaint received 2023-07-02
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2019-01-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Recently, I discovered a check misfiled in my safe. It is dated XX/XX/XXXX,  drawn on Bank of America. When I visited with Branch manager at local Bank of America, I was told to obtain Letters of Testimentary, which I did. When next contacting bank President, I was told that Banks were only required to keep records for 7 years, that she couldnt help me. 

I would like to ascertain where this money has gone. I am XXXX years old and need the money. Can you help me? 
Thanks for any help you can provide. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-07-28
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Consumer complaint received 2023-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (TX)

For the XXXX  year, the servicer ( Flagstar ) miscalculated the escrow for the property. Starting in XXXX of XXXX, a new monthly payment was to start, to remedy the {$5600.00} shortage from XXXX. I was notified by mail after XX/XX/XXXX of the new schedule for XXXX. I make every payment for this mortgage approx 2 weeks prior to the due date ( 1st of every month ). Ex, payment for XX/XX/XXXX was sent directly from my bank around XX/XX/XXXX. Every payment for this loan has been done in this manner since the start. My payment for XX/XX/XXXX was applied correctly because the new amount was not started until XXXX of XXXX. My bank sent the payment for XXXX, on or about XX/XX/XXXX in the amount of {$1600.00} ( old amount before the deficiency ) because I did not receive notice of the new amount until after XX/XX/XXXX. The {$1600.00} payment was applied, but in such a way that shows I am delinquent every month. I was notified in XXXX that I was deficient and this was going to collections. I called Flagstar and was connected to their collections dep. They were able to identify that the deficiency did not start until XXXX. I explained the problem and we were able to find a {$450.00} deficiency in the amount they received for the XXXX payment and the one that was actually owed. I agreed and sent the additional funds so that I may be caught up and resume the {$2000.00} payment every month and not be considered late. Since this conversation and the additional funds sent, the problem has persisted and I am forced to contact Flagstar every month, talk to a new collections person ( XXXX was the last on XX/XX/XXXX ) and explain everything over. They take their time in tracing the payments and reluctantly admit that they misapplied the additional {$450.00} payment to catch everything up to the principal, and still show the FULL payment as late every month. Every month since XXXX, the payment I send on or about the XXXX gets applied to the same month it is sent, rather than the following month as it is intended. I HAVE NOT MISSED ANY PAYMENTS SINCE THE START OF THIS MORTGAGE. According to all the conversations with their collections department, no payment has been identified as missing. The only problem with any of the payments was the shortage for XX/XX/XXXX and was due to the late notification from Flagstar. I have since paid the extra {$450.00} to bring the account current and this was applied incorrectly. I receive no compensation for my time and effort every month when I have to call and effectively do their job for them. It is only a matter of time before they start reporting to the credit agencies that my payments are late and ultimately have a negative effect on my score. The incompetence shown regarding this issue is creating undue stress and is very time consuming for me, as well as generating more income for Flagstar in late fees assessed by them for their own neglect.
Consumer complaint received 2020-07-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX, XXXX, XXXX/XXXX, XXXX XXXX IN, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (CA)

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO. (GA)

I have an auto loan charge off on my credit report from Ford Motor Credit ( Account XXXX ). The car was turned in in 2019 at the beginning of the year. They did accredit the resell of the vehicle to my account, yet since a few months ago I have noticed that they have reactivated the debt to making it new again. I am not sure if this is done for them to keep it on my report longer, or what. I have tried disputing with the Credit bureaus in XXXX and XXXX on the XXXX and XXXX respectfully. This did not lead to any correction which was concerning. I even reached out to Form on XX/XX/XXXX about this and my credit. I explained how them reactivating the debt was causing massive harm and they weren't allowed to but I ran into a wall with their company. They said they did not have the debt and it was out of their hands. Yet when I look at my credit report, which I have from XXXX, it shows they do in fact have the item. 

I have attached a few pages from XXXX which shows that the account has been reactivated and that they continuously add debt to it as well. From what I have read regarding the Fair credit reporting act and fair debt collection practice act, this does not seem like they are allowed to do it. I did not want to conduct this complaint which is why I called Ford and disputed it with the credit bureaus. This got me nowhere, I feel I am up against goliaths and just trying to do what is right.