davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (FL)

I lived at the XXXX XXXX XXXX in XXXX, LA for over 10 years. In XX/XX/XXXX I gave XXXX XXXX XXXX  a written notice of my intent to vacate the property on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX gave me my final bill. I inquired at that time if there were any additional information I needed to submit and if there were any anticipated barriers or issues that I need to address. The manger informed me everything was in order and her exact words were, You are good to go. I spoke with the manager again on XX/XX/XXXX to TRUST BUT VERITY to ensure there were no anticipated barriers or issues relating to my XX/XX/XXXX move out date, and the managers response to me exactly was We already got your apartment rented. 
On XX/XX/XXXX, the military moved me out of XXXX XXXX XXXX to XXXX, FL, where I am still residing. I never received any further correspondence or telephone calls from XXXX XXXX XXXX after vacating the property. But in XX/XX/XXXX, well after I moved out of the XXXX XXXX XXXX, I noticed a collection account on my credit report from RENTDEBT AUTOMATED COLLECTIONS, on behalf of XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX to speak to management, since I had lived there for over 10 years, to ascertain why this collection account was on my credit report. I was informed that the property manager was busy and would return my call later. I never received a return call from the property manager. Instead of receiving a call from the XXXX XXXX XXXX  property manager, I received a call from RENTDEBT COLLECTIONS. I told the RENTDEBT COLLECTIONS representative that THIS IS NOT MY DEBT and requested to receive correspondence via the U.S. Postal System regarding the collections account, as this collection account was placed on my credit report without my knowledge. I did not receive any correspondence from RENTDEBT COLLECTIONS until three months later XX/XX/XXXX after I contacted CFPB. I believe if not for the CFPB, I would have not received any information about this collection. I have attached copy of my 30 plus day notice to vacate, copy XXXX XXXX and copy of Louisiana Laws Rights of military personnel to terminate lease. 

Thank you in advance for your assistance in this matter.
Consumer complaint received 2023-03-03
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

Dear XXXX, In the Lender Letter ( XXXX ) addressed to : All XXXX XXXX XXXX XXXX XXXX ( please see attached letter ), Updated, XX/XX/2022XXXX XXXX XXXX  XXXX my loan investor ) clearly states on page XXXX of XXXX quote : Performing an escrow analysis for a XXXX payment deferral Updated XX/XX/2022 : If the servicer identifies an escrow shortage as a result of an escrow analysis in connection with Covid 19 payment deferral the servicer must spread repayment of the escrow shortage amount in equal monthly payments over a term of XXXX  months, unless the borrower decides to pay the shortage amount up-front or over a shorter period, notless than XXXX  months. Any subsequent escrow shortage that may be identified in the next annual analysis cycle must be spread out over either the remaining term of the initial escrow shortage repayment period or another period of up to XXXX  months. 

XXXX XXXX clearly states that any shortage identified can be paid in XXXX  months. 

United Wholesale Mortgage, through they subservicer XXXX  XXXX ( under the Cease and Desist order issued by Office of the Comptroller of the Currency ), is trying to charge my Escrow Account shortage in a period of XXXX  months not XXXX  months. ( please see attached ). Moreover, the amount of shortage they have identified through a wrongful Escrow Analysis is inflated. ( will be addressed in a separate complaint ). 

Please act accordingly and enforce XXXX XXXX guidelines .My shortage should be spread on a period of XXXX  months not XXXX. 

My loan was modified with the help of XXXX XXXX due to XXXX XXXX and payments were deffeared.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

Dear Experian & XXXX ; THIS PUBLIC RECORD IS INCOMPLETE AND UNVERIFIABLE! 

Not only this public record is not verifiable, but it continues to report multiple inaccuracies, and incomplete information in violation of my consumer rights. I noticed that XXXX removed it because of being unverifiable, incomplete, and with multiple inaccuracies, but Experian and XXXX are still reporting it and claiming that it was verified. I already called the courthouse, and the clerk directed me to their website to read the guideline which said that they do not report to any credit reporting agencies. How then did you verify it.? These are some violations and inaccuracies that I was able to point out to XXXX; such as ; wrong courthouse name, wrong dock or reference numbers ; wrong filed date, etc, much much more. AGAIN, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to 1. Defamation ; 2. Negligent Enhancement of Identity Fraud ; 3. Violation of the Fair Credit Reporting Act
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX Account Listed on My Consumer Reports with the following Errors : Payment Status : Collection/Chargeoff Date Opened Can not be Both XX/XX/XXXX AND XX/XX/XXXX. 
Date Last Reported Can not be Both XX/XX/XXXX AND XX/XX/XXXX. 
Date Last Active Can not Be XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX. 
Date of Last Payment Listed As XX/XX/XXXX AND XX/XX/XXXX Which Contradicts The Last Active Date. 
If this Alleged Debt is a Charge Off, the Statute of Limitations for Debt Collection in Illinois has passed. 
XXXX Legend is Blank. 
XXXX Legend is Blank. 
XXXX  Legend is Inconsistently Listed as Green OK. 
If this Alleged Debt is a Charge Off, I have not been provided my 1099 form to include this Charged Off Debt on my Federal Tax Returns. 
Thr Consumer Reporting Agencies are Listing Inconsistent Discrepancies that are Harmful to My Creditworthiness and Ability to Obtain Credit. My Consumer Rights are being violated by the Misrepresentation of My Credit.
Consumer complaint received 2024-03-23
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-03-03
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. (TX)

I checked my credit report and found that some of the data wereincorrect. 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 immediate repair due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-03
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX USDOEXXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
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)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

After reviewing my credit report, I have found numerous inaccurate names, aliases and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report.
Consumer complaint received 2023-03-03
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. (MO)

Im submitting my first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXXXXXX XXXX XXXXXXXX Balance : {$630.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$3700.00} XXXX XXXXXXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-03
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. (SC)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-03
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. (IL)

In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-26
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. (LA)

This is XXXX XXXX please 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 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (TN)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-03-04
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. (TX)

I reviewed my Consumer Report and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy according to the law. I have never been on payments for the account : XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that these payments were ever late. If proof cant be provided, I demand these payments updated to On Time as they should be as I was NEVER Late. Thank you!
Consumer complaint received 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

Failed to complete employment verification in almost three months since I started loan application process. For two months we went back and forth about verifying and even though I told them several times they were contacting the wrong employer for verification they continued to make the mistake. I withdrew my application from the sheer amount of stress it was to deal with this company. They acted like my job and income was fake, not satisfied with loads of documents I sent them. Every time I talk to one person they want me to contact different department. Total lack of communication on their end. I am still struggling to get my good faith deposit returned to me. NOTHING ''quick '' about this quicken loans.
Consumer complaint received 2023-03-03
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. (GA)

This is my follow-up request to my prior complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, AP XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : $ {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX