davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have caused considerable harm to my credit history and financial stability. 
I have been a victim of identity theft, which has resulted in several fraudulent accounts and transactions appearing on my credit report. I have reported these fraudulent activities to the respective creditors, filed police reports, and submitted identity theft affidavits as required. However, these fraudulent items continue to tarnish my credit history, negatively impacting my creditworthiness. 

I have submitted multiple dispute letters to the credit bureaus, explaining the fraudulent nature of these entries and providing all necessary supporting evidence to substantiate my claims. Despite my numerous attempts to rectify these errors, the response from the credit bureaus has been minimal, and the fraudulent items have not been removed from my credit report. 

I understand the importance of maintaining accurate credit reports and am committed to restoring my financial integrity. It is crucial that these fraudulent items are promptly and permanently removed from my credit report. 

I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I also request written updates on the progress of this dispute and the results of your investigation. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take any necessary legal actions if these discrepancies are not resolved promptly. I hope that such actions will not be required and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove the following fraud items : 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
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Porsche Financial Services, Inc. (FL)

IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

PLEASE HELP ME CORRECT MY Address and FULL NAME AND LAST Name AND PERSONAL ADDRESS AND REMOVE THESE LATE PAYMENTS PLEASE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS INQUIRY HAS BEEN 2 YEARS OLD NEEDS TO BE DELETED.

15 U.S. Code 1666b states that a creditor can not treat a payment on a credit card account as late unless they have taken reasonable steps to ensure that the consumer receives their periodic statement at least 21 days before the payment is due. The statement must include the information required by section 1637 ( b ) of this title.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

They post it to all 3 bureaus without my permission. The corporate United States created a tacit mortgage on my private property without my knowledge or consent and is using it as collateral for loans of credit and money substitute from the non-federaXXXX XXXX XXXX XXXX. HJR 192 of 1933 and UCC 10-104 and 1-104 which is my congressionally designated right. You have XXXX hours to remove it. I want to be notified when its done..
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

They post it to all 3 bureaus without my permission. The corporate United States created a tacit mortgage on my private property without my knowledge or consent and is using it as collateral for loans of credit and money substitute from the non-federal XXXX XXXX XXXX. HJR 192 of 1933 and UCC 10-104 and 1-104 which is my congressionally designated right. You have XXXX hours to remove it. I want to be notified when its done..
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

Please know the information on my credit report is not correct. I've listed personal information as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. I want to ensure my information is reporting accurately. Please remove urgently.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

The courthouse didn't do anything but instead they said there wasn't anything that they could do for me. They wouldn't provide a letter or anything. All 3 credit bureaus are reporting these as bankruptcies and it's hurting my credit drastically.
Consumer complaint received 2023-08-07
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. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2XXXX 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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

dear sirs, submitted id theft report, ftc report # XXXX, police incident report and XXXX, equifax continue to report on my credit file about a bankruptcy.i never filed for a bankruptcy and a bankruptcy is showing up as public record in my credit file. 
please indicate to XXXX and equifax that they are reporting incorrect information in my credit file.I already sent them documents attached and still they continue to report incorrect information about public record, bankruptcy.
Consumer complaint received 2023-09-22
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)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

As a XXXX XXXX XXXX XXXX and identity fraud, I've written several letters to the credit bureau explaining my situation and have sent proper proof of my victimhood. The bureau continues to ignore my case without investigation. The information is false, inaccurate and needs to be removed from my credit file.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VT)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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. 

I Contacted the company thru phone and they offered no resolution the late payment from XXXX of 2020 was not late.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (GA)

The companies for which I am filing this complain are all in violation of the law ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other such as : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These agencies need my written consent to add anything to your consumer report if I did not give this authorization ( for the clarity of this complaint I have provided no such consent ) that is a violation of the Fair Credit Reporting Act In addition the law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports states : Except as authorized under subsection ( b ), 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.

To remedy these violations I will be invoking the law ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; For the purposes of this complain I am demanding a retribution of {$1000.00} per violation found on my credit report
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

An application for an American Express XXXX XXXX with number XXXX was denied on XX/XX/2024, Once I provided the company with my signature, social security number, when the law states that only must be given to government agencies, as stated in Section 7 of the Privacy Act, and the negotiable instrument aka application it became legally binding, so Im requesting them to perform their fiduciary obligations.
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (FL)

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.

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 2023-04-17
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. (IL)

None of my credit accounts on my credit report match. 

The credit bureaus stated all of my information on my credit report is accurate and verified. 
How is that possible when the balance owed, payment status open date, date last active is incorrect, and date last reported are not accurate on all of my accounts. 
I have attached my credit report below. XXXX isnt even reporting on here but i have my XXXX report. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 604 A SECTION 2. 15 USC 1681 SECTION 602 A states I have a right to privacy! 

The law states clearly a consumer reporting agency can't furnish an account without my written instruction. I haven't given my permission for them to furnish my accounts. 

This is all according to the FCRA XXXX account # XXXX The bureaus had 60 days to fix this and by law they had tO fix this within 30 days. I have all the documentation I need to come after the bureaus. I already am in a lawsuit with XXXX, and i will come after XXXX and experian. The bureaus did nothing to fix this and i'm not waiting any longer. 

Please see attachments below : ALL OF THESE ACCOUNTS NEED TO BE DELETED WITHIN THE NEXT 14 DAYS
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I disputed to bureaus that child support contract was cancelled. They're still reporting it negative as closed in 2017 and last paid in XXXXplz help..this is hurting me badly with frustration, undue stress, and negative credit worthiness..Thanx
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NM)

On XX/XX/XXXX I was out of town for work with no car and I got hungry, so I ordered food from XXXX through XXXX. Upon arrival of the food, I discovered the steak was too raw for me to eat. I was afraid I would get sick if I ate it. I tried at least 5 times to call the restaurant itself and never got through. So, I called Chase to make a claim and they gave me my money back. Yesterday ( XX/XX/XXXX ), I went to get myself something to eat at the end of the day and my card declined. When I went into my Chase account, I discovered that two months later, with no warning or anything, they decided to take all that money back out of my account, leaving me hungry and with only {$1.00} to my name when I should have had {$100.00}. I called them today and talked to the claims department and she told me there was nothing they could do because I didnt return the food. As I said, there was no way for me to because I didnt have transportation and I couldnt get a hold of them. Now I am stuck here with no way to eat and no way to earn money because the only way I was earning money was through XXXX and now I cant even afford one gallon of gas. This is not right. Not right AT ALL.
Consumer complaint received 2023-04-12
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: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

Hello, I never received my original contract with my wet signature and I never signed a contract with XXXX AND XXXX and they have failed to validate the debt. You have violated and compromised my private information according to the XXXX XXXX. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached 2 pieces of information for proof of my identity.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 


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 2024-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY (GA)

I initially contacted the bank about removing the PMI on my loan in XX/XX/XXXX and XX/XX/XXXX. They never gave me a reply. My XXXX was about XXXX  % at this time, which met the threshold for removal of the PMI. I reached out again in XX/XX/XXXX, and I was told that their requirements for removal were revised, and my loan did not meet them. My challenge with this is that customers were never notified about the new requirements. As of XX/XX/XXXX my loan has a XXXX ratio of about XXXX  %. I need the PMI removed from my loan.
Consumer complaint received 2023-12-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I was given an American Express gift card for XXXX. I have been able to use it, check the funds of it, yet I wasnt able to use it on apps like XXXX or XXXX, and other people have complained about this too. I was only able to use it on XXXX, a digital marketplace, but no other has seemed to take it at all.
Consumer complaint received 2023-11-08
Product: Credit reporting 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. (VA)

I did not recognize any of the following inquiries and did not authorize them. 

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
Consumer complaint received 2023-10-25
Product: Credit reporting 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. (VA)

XXXX XXXX XXXX XXXX I NEED THESE ACCOUNTS TO BE REVIEWED AND DELETED I CAN NOT HAVE THEM ON MY REPORT BECAUSE SOME OF THESE ACCOUNTS HAVE LATE PAYMENTS WHEN I HAVE NEVER PAID LATE XXXX XXXX {$6000.00}
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC (LA)

RE : Error in Reporting for Loan # XXXX for XXXX XXXX and XXXX XXXX XXXX We found an error in the credit reporting on our mortgage and submitted a dispute via XXXX and XXXX. We uploaded appropriate documents to their websites, but then someone at Rocket Mortgage responded to their inquiries that the information being reported to the bureaus was accurate. It is not. 

I then sent an email to your Rocket Mortgage 's Servicing Help email address, and received a prompt email response. The case was escalated to the Servicing Help department, and an agent called me back on XX/XX/XXXX. Im a bit confused why an agent called, as he basically said that he understood there was an inaccuracy that was negatively impacting us, but then said I cant do anything about whats being reported to the Credit Bureau. I am hopeful that you can correct this error/inconsistency in reporting. 

We original mortgage was opened on XX/XX/XXXX, with an opening balance of {$200000.00}. 

We modified this mortgage, due to the pandemic, effective XX/XX/XXXX, with a balance of {$190000.00}. 

Rocket Mortgage is reporting this mortgage to the credit bureaus with an opening date of XX/XX/XXXX, and with an opening balance of {$190000.00}. 

Obviously, Rocket Mortgage is reporting the original opening date with the modified opening balance. This is NOT accurate... and that is a problem because the FICO algorithm includes a scoring that compares the opening date and opening amount to the amount that has been paid off. With Rocket 's current reporting of the earlier opening date and the later opening balance, the algorithm results in a score that implies it took us ten years to make one year 's worth of payments. This reporting is negatively impacting our credit scores due to the inconsistency. Either Rocket needs to report the original date and the original balance TOGETHER, or they need to report the modification date and the modified balance TOGETHER... but not this mix and match. 

Could you please intervene and ask Rocket Mortgage to correct the records that are being reported to the credit bureaus to reflect the accurate information? The information needs to be corrected in the reporting for both XXXX XXXX XXXX and XXXX XXXX XXXX.