davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to the privacy and confidentiality under 15 USC 1681 Account Name # XXXX XXXX XXXXXXXX Account Name # DEPT IF EDU XXXX. Account Name # XXXX XXXX  XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX XXXX  XXXX Account Name # XXXX XXXX XXXX Account Name # XXXX XXXX XXXX XXXX {$27000.00}. Account Name # XXXX XXXX XXXX XXXX LLC 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My complaint is against Equifax, XXXX, XXXX for late payments and fees on my credit report. I had a child support case with the State of Arizona and as of XX/XX/XXXX my child support was completed and State of Arizona sent that information to Equifax, XXXX, and XXXX. The problem that I am having is, Equifax, XXXX, and XXXX, still have payments late for year XX/XX/XXXX and XX/XX/XXXX, which is impossible if I paid off my child support before time. I requested an audit with the State of Arizona through my congressman, because I knew I wasn't in the rear. The audit was completed and my child support withhold order stop, before my son made XXXX years old. State of Arizona says it's Equifax, XXXX, and XXXX  responsibility to correct the problem and Equifax, XXXX, and XXXX  says the State of Arizona should correct it. I really don't know who is at blame, but these late fees and payments should be removed off my credit report. I have children in 3 other states and after my obligations was completed, the agency removed any negative report on my credit report.
Consumer complaint received 2024-03-20
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. (TX)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-05-07
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: EQUIFAX, INC. (CA)

In accordance with The Fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-22
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. (AZ)

I was contacted by some creditors via phone call, after some investigation i found out my ex wife had opened some accounts under my name. I contacted my ex wife and she admitted to opening accounts without my knowledge. This is identity theft and the accounts on my credit report are fraudulent.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

I received a notice of an escrow shortage of {$350.00} based on review in XX/XX/XXXX. This shortage would only happen if taxes of {$4000.00} were paid in XX/XX/XXXX, rather than in XX/XX/XXXX ( the due date for the taxes is XX/XX/18 ). If Wells Fargo allows my XX/XX/XXXX escrow payment to arrive in my account prior to paying taxes, there will no longer be a shortfall. I spoke with several Wells Fargo reps on XX/XX/18. At first, they tried to argue with me about the due date ( the website for XXXX County clearly shows the due date for taxes is XX/XX/18 ). Then there was a subtle threat that if Wells Fargo waited until XX/XX/XXXX to pay the taxes, they might not get there on time and I would be charged a penalty. I expressed my full confidence that Wells Fargo is capable of getting a tax payment to the county on time between XX/XX/18 and the required postmark date of XX/XX/18. Finally my inquiry was forwarded to corporate. I received a letter dated XX/XX/18 from XXXX XXXX stating that the tax payment for the property would not be made until XX/XX/XXXX, but did not mention adjusting my PITI mortgage payment to no longer collect the shortfall. My XX/XX/XXXX statement is billing me for a total to include a payment toward the shortfall. I called again on XX/XX/18 to request that the payment be adjusted to not collect to cover the now non-existent shortfall. I did not hear back from Wells Fargo by the time of the promised resolution date of XX/XX/18. I called on XX/XX/18 and was informed that I had been sent a letter denying my request to have the payment amount adjusted, but that I can later request a refund. The representative stated that this is because another escrow analysis is not scheduled to be performed immediately. I am asking that Wells Fargo perform the escrow analysis and adjust my payment due to lower it by the amount being charged to cover the now non-existent projected shortfall.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In XX/XX/2014 I was told over the phone, by the representative whom assisted me, that the forbearance which was placed on my account would remove the credit reporting for the period of delinquency for the same months that it adjusted the loan. This is supported by my CBR as it shows non-reporting for XX/XX/14 ( which is 1 month in arrears meaning that the actual suppressed month was XXXX ). If XXXX was suppressed, from a call in XXXX, then the other months are eligible to be suppressed as well. As your prior resolution indicated, you must report accurate information. As shown, your company is willing and able to suppress/not report and remain in compliance with the Fair Debt Collections Practices Act.

Responsible Servicing dictates that accurate information is to be given to the customer so that they may make an educated choice as to what to do. I was inaccurately informed that the account adjustment would also remove delinquency. I may not have used the adjustment period if I had been given the accurate information. I am limited to the number of months that I am able to have alterations to my repayment of the loan. Due to this I may have taken those months and utilized a different timeframe for use. I request that you review the telephone conversation to ensure accuracy of the information given. If this conversation is not available for review or when discovered that inaccurate information was provided, please remove the months of delinquency.

Upon conclusion/ final response to this notification : REMOVE THE CREDIT DISPUTE NOTATION FROM EACH CRB AGENCY.
Consumer complaint received 2024-03-20
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. (PA)

Throughout, I've upheld timely payments on this account, preventing any from becoming overdue. I'm uncertain about the rationale behind reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, correction should be made.
Consumer complaint received 2023-04-22
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. (GA)

In accordance with the Fair Credit Report Act XXXX, XXXX Creditor : XXXX XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

This account is fraudulent account, I don't recognize this account.
Consumer complaint received 2023-11-23
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. (NY)

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX XXXX XXXX Collection {$650.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Collection {$650.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$640.00}
Consumer complaint received 2023-12-23
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. (NC)

On XX/XX/2023, I received an Experian notification that my account was reporting positive payment history. This was because the company changed the XXXX from late to on-time. Please see the screenshot. Today, XX/XX/2023, I received an update that the dispute results were available. I thought that the account had been updated per the XX/XX/2023 notification. But, it was not.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

As a victim of identity theft, I sent a 2nd letter on XX/XX/18 to Equifax outlining the information I was disputing on my credit report. In XX/XX/2018, an address in XXXX NM, that does not and has not ever, belonged to me appeared on my Equifax credit report. Subsequently, on XX/XX/18 and again on XX/XX/18, I received letters from Equifax stating that the NM address had been updated to my current address. On XX/XX/18, I sent a letter to Equifax disputing the NM address. On XX/XX/18, after waiting since my first letter of dispute in XXXX, I received an updated credit report that supposedly corrected all the disputed items. It still has the NM address on it. 

Then, on XX/XX/XXXX, I received from my ex-husband, a letter that was sent to his address where I have not lived for 17 years. It was a letter updating my address from his address to my current address. I called Equifax to see why the letter was sent to that address instead of my current address which they obviously have had since XXXX. They told me that they had not sent a letter to that 17 year old address. When I pressed my concern, because of the NM address, they again denied sending a letter there. Finally, they connected my with a different person in a different department who filed a dispute about both the NM address and the former address which should not still be on my credit report. They responded that this process will take at least 30 days and I will be notified via email regarding the outcome. 

I have had difficulty with Equifax throughout the whole process of obtaining my credit report, freezing credit, filing disputes and communication regarding the identity theft. I have had no difficulties with either of the other companies ... XXXX and XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-11-07
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: MARINER FINANCE, LLC (MD)

I was in a accident in my car XXXXXXXX XXXX my vehicle was then totaled out XX/XX/ by the insurance company. In which the money gained was used to pay of the loan fees and interest. since XXXX a mariner finance has not updated their reporting efforts as paint in full and good status. which has been a negative on my credit profile since XXXXXXXX XXXX XXXX. I SUBMITED my APPLICATION in XXXX XXXX the loan obligation that I held was not very long at all but yet they continue to report negatively on my consumer credit profile. I've asked all three credit reporting agencies to do and INVESTIGATION but they have yet to show me results or any information they attained.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Report Act XXXX, XXXX, Creditor : XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I am disputing this account, because this lender has committed a fraud under this account, and they need to be accountable to fix this issue on my credit report, if this issue is not fixing, I will hire an attorney to get this resolved.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

A month ago, I sent the three credit bureaus a letter 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 mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.