davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I dispute the information currently being reported on my Equifax consumer credit report by XXXX XXXX XXXX ( XXXX ) for a CLOSED ACCOUNT and Current Balance : {$3800.00}, Reported Date : XX/XX/2023, Current Payment Status : Charge-off and Worst Payment Status : Charge-off. I dispute the following inaccuracies and request an immediate investigation and correction. Under the XXXX installment loan, a payment of {$2900.00} was made in XXXX of XXXX, with the intention of adhering to the regular monthly payments of {$580.00} for the remaining term of the loan. I dispute all information being reported by XXXX XXXX XXXX ( XXXX ) for this XXXX Account and the current balance of {$3800.00}. I demand that this account be deleted from my credit report for inaccurate, incorrect, and false information being reported in violation of federal statutes, including the Fair Credit Reporting Act ( FCRA ). 


Late Payment Reporting After Account Closure : XXXX XXXX XXXX is reporting a late payment in XX/XX/2023, even though the account was closed prior to that date. This reporting is inaccurate and unjustified. 


Account XXXX : The account status is reported as " XXXX '' and " Derogatory, '' which inaccurately portrays my payment history and financial responsibility. I have never missed a payment on this account. 


XXXX XXXX : The reported balance of {$3800.00} is incorrect. I have made consistent and timely payments throughout the life of this account, and this balance does not align with my payment history. 


Handling of XXXX XXXX : I have concerns regarding the handling of insurance proceeds from the loss of my vehicle. XXXX XXXX XXXX mentioned receiving a settlement payment from XXXX XXXX on XX/XX/2023, which was applied to my account. This payment, in addition to my XX/XX/2023 payment, should have brought my account up to date under the XXXX installment and next due date in XX/XX/2023. 
I am deeply concerned about the inaccuracies in the reporting of this account, as it negatively affects my credit history and financial reputation. I request the removal of the inaccurate " Charge-off '' status and account derogatory remarks from my credit report. 


I trust that you will conduct a thorough investigation into these matters and take prompt action to rectify the inaccuracies. Your assistance in resolving this issue is greatly appreciated. Please provide a written response within the statutory timeframe stipulated by law.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602A, states I have a right to privacy.

15 USC 1681 Section 602A, Section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B, Creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.
Consumer complaint received 2023-09-09
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. (CO)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-07
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. (NJ)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-09-09
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. (GA)

I wanted to follow up regarding my previous complaint about being a victim of identity theft. I'd like to bring up FCRA Section 605B, which can be found in 15 U.S.C. 1681c-1. This section mandates that Credit Reporting Agencies must eliminate and prohibit the inclusion of any items listed in an identity theft report. I've attached some documents to assist in the process of blocking and removing the inquiries that are appearing on my credit report. Below, you'll see a list of the unauthorized inquiries that have been documented in my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. 

( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) XXXX days after XX/XX/XXXX ; or ( bb ) XXXX days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 
( ii ) Reporting Except as provided in clause ( XXXX ), if a furnisher makes an accommodation with respect to XXXX or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make XXXX or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( XXXX ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 
( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 



In accordance with laws mentioned above " XXXX XXXX XXXX '' offered ballon payments and still is reporting this account as late.
Consumer complaint received 2023-09-09
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. (TN)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items are updated.+ XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$690.00}
Consumer complaint received 2023-09-09
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. (WI)

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$25.00}
Consumer complaint received 2023-09-09
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. (WI)

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX  Balance : {$25.00}
Consumer complaint received 2023-09-09
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: EQUIFAX, INC. (CO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-09
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. (NY)

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. 

Based on the letters attached Experian continues to stall the investigation and refuses to conduct a proper investigation. 

I told Experian, to investigate these accounts : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

My direct deposit has arrived on time every other Thursday in my Chase account for about XXXX years now. Today, it was never received AND my account is in the negative. I was expecting my paycheck to cover the negative fee before any other fees were added, but since Chase is not loading my paycheck, my account now is an extra {$50.00} overdrawn because of CHASE. I am extremely frustrated because customer service is not answering!!!
Consumer complaint received 2023-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MI)

I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists.
Consumer complaint received 2021-05-12
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)

XXXX XXXX residing in XXXX, Florida, disputing my credit files with all credit bureaus, I am very concerned because some of my information has been exposed to the dark web. I am sent information from Experian and XXXX XXXX with a list from the dark web. My passwords are exposed and information that I can print out and fax or email to cfpb. I am disputing to all three bureaus, Experian has not sent me results, my credit score has stayed the same since XXXX, my account number is XXXX my other scores are slowly improving. I am still waiting for my file, I have asked Experian to mail me my report because I do not trust the report online. Please respond to me and mail me my updated and investigated file, I can again, print out the list of the dark web surveillance report.
Consumer complaint received 2023-09-09
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. (TN)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items are updated.+ XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$690.00}
Consumer complaint received 2021-05-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (TX)

My name is XXXX XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX. XXXX Texas XXXX. I'm reporting that in 2017 Guild Mortgage used false advertisement to deceive people to do business with them by persuasion of a fake {$6500.00} offer by advertisement at XXXX XXXX XXXX XXXX in XXXX Texas XXXX XXXX by rep XXXX XXXX. Then Guild Mortgage used XXXX XXXX a sales rep off XXXX XXXX XXXX XXXX in XXXX XXXX Texas to use deceptive trade practices and lie til the end and didn't deliver the {$6500.00} max of loans over {$300000.00} ( ours were {$400000.00} ). Then XXXX begs the consumers to give Guild Mortgage good reviews after he knew the home owners were glad to get it over with after 8 months claiming delays by XXXX XXXX XXXX permitt delays by XXXX XXXX mistakes. My wife and I was going with XXXX XXXX until XXXX XXXX along with XXXX XXXX kept pushing the {$6500.00} incentive of Guild Mortgage offer by flyers / advertisements in the model home by XXXX XXXX. My wife XXXX and I will testify we asked XXXX XXXX throughout the extended process in his office personally several times. What we was told was the money would be available at closing to ensure that the process was complete! But we were deceived because no one was at the title company at all like we were told! We didn't know the process was done by title personel only! When we complained no return calls. I went through XXXX and XXXX XXXX issues and 2nd XXXX, XXXX XXXX  from XXXX from the first XXXX and was medically unabled for quite some time and XXXX was priority. When we contacted Guild Mortgage with the proof of false advertisement Guild used the reviews that XXXX XXXX use to justify we were satisfied priod! Negliglecting and ignoring the FALSE ADVERTISEMENT GUILD USES TO CREATE BUSINESS FOR THEMSELVES DRIVING BUSINESS AWAY FROM THE COMPETITION!! REAL CRAFTY AND SHOULD BE ILLEGAL DECEPTIVE TRADE PRACTICES BY STATE AND FEDERAL LAW!!! I'M VERY UPSET THAT GUILD MORTGAGE WOULD TAKE ADVANTAGE OF A XXXX VETERAN ESPECIALLY AFTER XXXX XXXX DENIED THE SPECIAL RATE OF 3.25 % RATE THAT WAS INTITLED TO XXXX VERTERANS BY TEXAS XXXX XXXX AT THAT TIME PLUS ADDED POINTS DRIVING THE FINANCE RATE EVEN HIGHER! I STILL HAVE THE FALSE ADVERTISEMENT AND CAN SEND IT TO YOU!
Consumer complaint received 2023-06-20
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. (NC)

After reviewing my credit report I noticed inquires that don't belong to me that I have no knowledge of, after trying to get these deleted and removed I have yet to get the 3 credit bureaus to delete the following inquiries that were found on my credit report. 
XXXX. XXXX XXXX. DATE : XXXX XXXX. XXXX XXXX XXXX DATE : XXXX XXXX. XXXX XXXX XXXX. DATE : XXXX XXXX. XXXX XXXX. DATE : XXXX
Consumer complaint received 2022-12-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my 9th 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 records 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. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-07-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX To whom this may concern, after recently reviewing my consumer report, I noticed UNAUTHORIZED credit inquiries on my consumer report. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also while looking at my Consumer Report I see that XXXX XXXX is on my report. However the account has been written off and or cancelled. the IRS sees this as taxable income and income can not be reported on a consumer report. Please Delete immediately. Please see document enclosed. 


XXXX XXXX XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXX XXXX  Balance : {$950.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance XXXX {$5100.00} XXXX XXXX XXXX XXXX Balance {$190.00} XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$190.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$890.00}