davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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. (VA)

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
I am making another sincere attempt to work with you to resolve this issue before I am forced to consider legal action. Your inaccurate and non-compliant reporting is causing me unfair credit turndowns and exorbitant interest rates. Therefore, I am providing you with the following options for a resolution : Please understand that I will only accept regulatorily compulsory and lawfully compliant claim ( XXXX ) information alleged against me if it is confirmed to be accurate and complete. Any deviations or inadequacies in your reporting could potentially jeopardize the integrity of the alleged claim ( XXXX ) ( as per XXXX XXXX XXXX ).
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-11-30
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. (GA)

In XXXX, several accounts/credit cards were opened using my information including XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX To XXXX XXXX, and XXXX XXXX I immediately disputed all accounts, which were all removed from my credit and I thought the issue was resolved. At that time I placed a fraud alert and activated protection. Fast forward to XX/XX/XXXX, I was applying for an auto loan and realized I had a charge off from XXXX  XXXX XXXX which I thought had been resolved in XXXX. I immediately went to the police and filed a report and have been going back and forth with experian and XXXX  XXXX XXXX to resolve this issue. I went to a XXXX  XXXX XXXX XXXX on XX/XX/XXXX and had them fax over my police report and all of my supporting documents that they requested and my dispute was still denied based on them claiming that they did not receive my supporting documents and also stated there was not sufficient evidence to support my claim. I have provided a police report, along with pictures of all the accounts that were opened at the exact same time of the XXXX  XXXX XXXX credit card, and pictures of all the disputes from the other accounts that I filed back in XXXX. Please may I have assistance with getting this resolved.
Consumer complaint received 2024-04-20
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. (CA)

CFPB investigate damage to consumers caused by false reporting from credit agencies. 

Forensic evidence being collected All evidence attached 1. XX/XX/XXXX Equifax falsified records damaging credit score from exceptional to very good removing XXXX points with false justification 2. Equifax XXXX statement no recent revolving balance. XX/XX/24 less than 1 month consumer has paid on ontime payments on revolving balance. Evidence proving false reporting 3. Equifax falsely states Few accounts paid ontime. Consumer report shows XXXX accounts ALL paid ontime over 38 years. ZERO delinquency 4. XXXX falsely states no loan information. Consumer has over XXXX prior loans, good finances, paid all loans off over XXXX yrs CFPB needs to investigate credit agency for false reporting. 

see images Equifax reporting is significant differemt then other agencies. 

A consumer with good financial management responsiblility Equifax is damaging my credit with false justification
Consumer complaint received 2023-08-30
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C. (KY)

I had a townhouse at XXXX XXXX  in XXXX, KY which I stayed at for about XXXX months. The home was infested with mice. I reached out to the office multiple times ( many times through email for proof which I still have ) the issue remained unresolved so I reached out to a legal aid and they provided me with a XX/XX/30 letter to send to my landlord meaning my landlord had 14 days to fix the mice problem or I could move in 30 days from the time the letter was sent without paying. The problem still remained unresolved so I reached back out to legal aid ( I have these emails as well ) he assured me the 14 days had past and they did not hold up their end I was free to move without owing that months rent or paying to break the lease since the living conditions were unsanitary ( the mice had babies in my kitchen and I was able to capture one on camera since the apartments kept telling me they didnt see any mice ) I asked them to move the stove back because thats where I seen one of the baby mice run under and they couldnt even do that. I moved and now they have put the debt on my credit ( which they have not taken any legal action to sue me bc they know they will lose with the proof I have ) but now my credit is ruined and I will not be able to move again with this almost {$8000.00} debt on my credit. I reached out to legal aid again he said since they have not actually sued me they couldnt be of assistance and the only thing I can do is dispute it with the credit bureaus but 2 of them wont remove the debt and XXXX has removed it twice and XXXX keeps putting it back. Please help me get this permanently removed from my credit reports
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MI)

I disputed a late payment ( s ) that was reported by 3 collections agencies that was sold to the following companies without my written permission. According to FCRA 605b section 1681 these companies do not have the right to do this. This is on my credit report by XXXX these collections are LVNV Funding LLC stating the account was paid off with a XXXX balance, by XXXX XXXX XXXX  but written to LVNV Funding LLC that I owe {$740.00}, XXXX XXXX XXXX, my information was sold by XXXX XXXX in the amount of {$470.00}, and XXXX XXXX XXXX sold to them by XXXX in the amount {$570.00}. This account is also in error. 

I would also like to request my bankruptcy removed, due to XXXX not furnish this information.
Consumer complaint received 2024-04-20
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. (GA)

I am writing to formally dispute the inclusion of a late payment on my credit report, as indicated in your recent communication. Upon reviewing my credit report, I was alarmed to discover an entry suggesting that I made a late payment to XXXX XXXX XXXX XXXX in XX/XX/2021. It is crucial to highlight that the account number varies across my credit reports, constituting a violation of the Fair Credit Reporting Act ( FCRA ). 

I assert unequivocally that I have consistently maintained timely payments on all my accounts, including the aforementioned one. There has been no instance of late payment on this account, and I possess evidence, such as bank statements and payment records, to substantiate this claim. 

The presence of this erroneous late payment entry poses a significant threat to my creditworthiness and financial stability. Hence, immediate investigation and resolution of this issue are imperative to uphold the accuracy and integrity of my credit report, in strict adherence to the Fair Credit Reporting Act. 

Consequently, I demand a thorough review of the information concerning XXXX XXXX XXXX XXXX and prompt rectification of any inaccuracies, specifically the removal of the erroneous late payment entry. Failure to address this matter within 10 days may compel me to pursue legal remedies to redress this violation of my rights under the Fair Credit Reporting Act. 

Your prompt attention to this matter is appreciated. I anticipate a timely resolution and written confirmation of the corrective actions taken.
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-12
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. (NC)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX : {$640.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$43.00} ; XXXX XXXX XXXXXXXX  Balance : {$120.00} ; XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made two payments Bank of America on my account in XXXX of XXXX they applied them on XX/XX/XXXX one for XXXXXXXX XXXX payment and took the other payment and applied them to escrow only and will not change them XXXX, XXXX payment was made via check XXXX 's payment check numberXXXX for amount of XXXX for principal and interest and checked number XXXX for XXXX for escrow as described in memos portion of check XX/XX/ payment check number XXXX for XXXX for principal and interest escrow check number for XX/XX/ amount of XXXX as described in memo portion of check they only applied XXXX month payment put the rest in an undeposited account and then moved it to escrow
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (CA)

Hope this letter finds you in good health. As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. 

XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service I respectfully ask for your cooperation in removing the late payments that were noted from my account history. I cherish my good relationship with the credit card company and pledge to create a more regular and timely payment schedule going forward. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps.
Consumer complaint received 2024-04-19
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. (VA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-11-30
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. (TX)

Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX XXXX breach I found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, XXXX didnt make sure it was reporting 100 % correct. 

I reached out to them, and nothing was done. In accordance with Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished these accounts that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which made this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid 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: U.S. BANCORP (CA)

In the month of XXXX I noticed that there was a whole bunch of un- authorized charges on my credit card which was apparently done in XXXX XXXX , I immediately contacted the number was on the back of my credit card and disputed those charges which were close to the amount of {$11000.00} and I asked the person from the credit card company who was taking the notes from me if I need to make a police report and she told me No! you don't need to police report everything 's going to be taken care of by us. At that point they shut down my credit card and sent me a New credit card number with all the fraudulent charges reversed. About three weeks later the fraudulent charges were put back on the credit card. I contacted them back again with the number on the back of my credit card and I asked them what happened and they told me that the charges were placed back on my credit card, and I asked them why? And I was transferred to a supervisor by the name of XXXX XXXX and he told me that the person who originally took my report originally were new and they did not know to instruct me to do a police report when I called the first time. Then he said they can't reopen the case again until I file a police report, so What I did the following day was make a police report and I faxed them a copy of it which is in my fax machine and says it was received by the by the bank and also send them certified mail which showed up it was received by the bank and nothing was done on their part at all.
Consumer complaint received 2023-11-30
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. (CA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
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. (TX)

I provided a police report and identity theft report with supporting documents to remove a fraudulent account off my credit report and for XXXX XXXX to close this account due to it being fraudulent identity theft account. 
Instead of closing the account XXXXXXXX XXXX used my supporting documents information to up date their information on a fraudulent account and listed the fraudulent identity theft account with My information that I provided them as a prove of identify for the dispute of the identity theft account. 
They have used the documentation that provided to them through CFPB website for the sole purpose of disputing the identity theft fraudulent account by fraudulently updating such account with my actual information and my correct address instead of the address that was used to commit identity theft fraudulent accounts that they reported to my Credit report. 
By doing such action they have violated and breached a dozen of federal regulations for consumer credit protection and consumer rights.
Consumer complaint received 2024-01-16
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. (CT)

I recently became aware that unauthorized accounts XXXX XXXX, XXXX XXXX XXXX was open on XX/XX/2023, the balance is {$340.00}, XXXX {$340.00}. Addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX, NY XXXX, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.
Consumer complaint received 2023-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Opportunity Financial, LLC (FL)

I took out a personal loan refinanced that loan last year then XXXX did a debt consolidation on loan my credit union sent out payment opp loans returned payment XX/XX/XXXX and XX/XX/XXXX meanwhile it showed paid they allowed me to take another loan I did now they reported to the bureaus that my acct as a charge off hurting my credit I just got notified of this report 4 months later they never contacted me it was reversed they turned over to collection agency I make payments for past loan now and current loan never been late and they reported me to credit bureaus at charge off with no notification hindering me getting my VA home loan I have contacted opp loans they can't tell me why it's reported charge off or why I was not notified I want the charge off removed as I agreed to pay past loan offbin full as I am already making payments please help