davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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. (NC)

I sent certified mail with license proof of address and social card. My credit report contains many old address or unknown address that does not have to appear per FCRA.my credit report should be 100 % accurate. i informed you of this. you refuse to remove the old outdated address. Its affecting my score and thats affecting my life financially and mentally. 
Name-XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX phone # XXXX XXXX XXXX XXXX XXXX remove my work history on my credit report. its not lawful, i sent proof of verification before and i now have to go through the CFPB for help. please send me a copy of my report after all the changes have been updated.
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

Addendum to complaint filed XX/XX/24 at XXXXXXXX XXXX COMPLAINT ID : XXXX Submitted XX/XX/24 This morning, XX/XX/24 I contacted XXXX XXXX  XXXXXXXX XXXX @ ( XXXX ) XXXX. 
regarding the alleged insufficient funds per XXXX, of Ally bank. At XXXX XXXX I/ spoke to XXXX and explained how XXXX of ALLY bank had informed me that since XXXX hadn't cashed in their XXXX mortgage payment. That my account had insufficient funds. I apologized for the inconvenience. XXXX said she did not understand because according to her records their billing was showing already credited. Now i'm really confused. 

I logged onto Ally bank and checked the activity on my checking account ending in XXXX. 
I didn't see any transaction for XXXX. I did see XXXX XXXX  listed on my bank summary. 

I delved further into Ally 's Bill pay section and I found XXXX transaction credited XXXX copied the inormation and can provide a copy on request.
Consumer complaint received 2024-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NJ)

On XXXX XXXX, {$5000.00} was debited from my escrow account to pay my annual homeowners insurance premium. My insurance company, XXXX, never received the payment. I first contacted Mr. Cooper on XX/XX/XXXX to make them aware of the missing payment. I contacted them numerous times, they kept telling me to wait. My insurance was going to be canceled so I had the insurance premium myself while the {$5000.00} was missing. I filed a notice of error with Mr. Cooper. They responded on XX/XX/XXXX, stating they would reissue payment to XXXX. As of today, XXXX still has not received any payment from Mr. Cooper. The money has now been missing for XXXX days. How long as I am supposed to wait? 

Mr. Cooper claims this is a bulk check, I wonder how many other customers are affected. What about the customers that do not have the means to come out of pocket for an additional insurance premium? If I did not have the funds, I would have lost my homeowners coverage.
Consumer complaint received 2023-02-03
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. (FL)

I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated everything was accurate and I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough investigation. There is inconsistencies between the three credit bureaus ( Experian, XXXX, XXXX ) on the opening date of my accounts. 

DEPARTMENT OF EDUCATION - ACCT # XXXX BALANCE - {$5000.00} DEPARTMENT OF EDUCATION- ACCT # XXXX BALANCE - {$3100.00} And accordance with The Fair credit reporting act XXXX account # 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 a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-31
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. (SC)

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. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-21
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX Account # XXXX, have 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-03
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. (NJ)

Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (WI)

According to CCAP the company stated I was notified in XXXX of 2023 of their action to collect the debt through court. I was not notified and I found out about the court date from a lawyer attempting to represent me in court, I showed up to the court hearing and requested dismissal because the collecting company is not the original creditor. Therefore my rights were violated due to the original creditor not abiding by our original agreement using arbitration to settle our contract. This matter has cause me emotional distress, I am not able properly apply myself at my place of employment due to continuously thinking about this lawsuit. It has negatively impacted my credit score which has also caused several traumatizing effects in my life, I have been unable to secure stable housing due to my credit history from this matter, I am in fear of my wages being garnished, and I am still waiting for XXXX to supply the requested documents ( The original purchase agreement, the chain of assignment, the bill of sale, and the validation of the debt )
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hi, I sent your company a dispute letter last month, XX/XX/2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, BBB, and the XXXX XXXX XXXX XXXX XXXX so I'm resending the documents that I sent last month for you to look into.
Consumer complaint received 2023-02-03
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. (GA)

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-04
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 submitted this complaint to update this suspicious information. The XXXX Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX XXXX : {$65000.00}.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (NJ)

I deposited a check into my citi checking account on XX/XX/2024 next dsy i see thst citi put a hold on the funds. after calling their fraud dept they then tell me my account is beung closed and i wont have access to my funds until XXXX  days after my account hsve since been closed. I was nit provided a reason as to why this is happening as the check deposited is cashiers check that XXXX XXXX issued me after i had closed my account with them, i even called XXXX  and was told the check was valid i did nothing wrong in this situation and having my account wrongfully closed
Consumer complaint received 2021-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

On XX/XX/XXXX I bought a XXXX XXXX Truck at XXXX XXXX of XXXX. The manager raise my salary for get more money and put fees almost over XXXX of the price. On XX/XX/2021 we have a meeting and he told me the price was to high because I bought extra protection and the fee in all of XXXX dealer is {$5000.00} for the shortest of vehicles ; but he put two times taxes and processing fees. The price of my car is over XXXX with the products of proteccin I bought. I cancel almost all proteccin products only keep the gap insurance ( {$990.00} ) and wait for the refund money. I need help to have my money back. Is not nice he do this only because I am old XXXX woman.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (DC)

Please, please please make all the credit agencies PROVE that the debt they are attempting to have reported on a consumer 's account is good debt w/in the statue of limitations BEFORE the credit companies put the info on a consumer 's report and downgrade the credit rating. Innocent until proven guilty. My Experian account reported that my credit score went down b/c of new information reported by XXXX XXXX XXXX Acct XXXX who CLAIMS I owe {$98.00} to XXXX. XXXX bought this debt they are attempting to collect from me. XXXX reported that it was current as of XX/XX/XXXX and shows little x marks next the past XXXX months on some bogus report they misrepresented and fabricated. As reported on XXXX report JCS phone = XXXX, address XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX. I opened a dispute advising XXXX to request XXXX scammers prove that its debt collection action follows the Virginia state statue of limitations debt collection laws. XXXX responded w/in hours that the debt collection attempt is good and my dispute is closed. I have NOT had a XXXX account since XXXX or XXXX when I switched to XXXX XXXX to XXXX years ago - way past the statue of limitations. I contacted XXXX XXXX to set up home internet service. XXXX first ran a credit check on me to determine if I owed XXXX any money, The XXXX rep told me in XXXX I do not own XXXX any money. I phone XXXX XXXX on XXXX XX/XX/XXXX. Experian online now prevents me from reopening my online complaint or it is hidden behind some screen. I XXXX robot prevented me from speaking to a customer service rep saying it is impossible for me to speak to a cust. svc. rep. Call back another time. When is the federal govt going to put guidelines in for the three credit agencies who are clearly in bed w the predators and demand that they make it super simple for people to easily respond to the repeated misrepresentation of this debt collector predators.
Consumer complaint received 2021-12-19
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: EQUIFAX, INC. (PA)

To whom it may concern, Under 15 U.S code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXl XXXX XX/XX/XXXXXXXX XXXX  Report Number : XXXX
Consumer complaint received 2023-02-03
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. (PA)

My name is XXXX XXXX XXXX, and I am writing this personal statement on my behalf. I've recently uncovered fraudulent information on my credit reports. My personal information was used to open accounts and gain financial goods and services without my consent. I request that the information in this report and attached to my statement be removed immediately. The accounts are listed as follows : Accounts requesting to be removed ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

JPMCB CARD Account type - Credit card Date Opened - XX/XX/2014 Above Account created under JPMCB CARD without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Messerli & Kramer P.A. (ND)

On XX/XX/XXXX I sent a letter to dispute the amount and if the debt is mine on my XXXXXXXX XXXX XXXX. The 1sXXXX time Messerli @ Kramer PA from XXXX, MN that I just got XXXX  with XXXX  XXXX XXXX XXXX XXXXXXXX XXXX during the time frame between XXXX til XXXX I was XXXX  with complete XXXXXXXX XXXX XXXX  lasting months at a time. XXXX closed my account around XX/XX/XXXX. When Messerli called the XXXX time sometime in XXXX I told them about my XXXX XXXX XXXX and I was having complete XXXX XXXX  episodes. I don't remember using my credit card at all in XXXX and XXXX. When they called the XXXX time i explained the situation to them. They said it's all your debt. from all reviews on line it appears Messerli @ Kramer PA is very aggressive and effective in collecting debt. I just need some help, it feels like they have no conscience about how they collect the debt, as long as they get the money by any means possible.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-02-03
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. (PA)

I believe I may be a victim of identity theft. This information is unauthorized and I did not approve it to reflect on my credit reports.To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WI)

Please see attached files. Dear CFPB. I have tried unsuccessfully with Equifax to get to report accounts that should be on my credit report. Their website, www.myequifax.com, is only reporting one account of which I was added as an authorized user ( XXXX XXXX ). All of my primary accounts are not reporting to this site. A couple of weeks ago I called them to have the address on my file updated to my current address as I have since moved from the address they initially had on file. I was advised to submit a dispute. I did so. They updated my address but in doing so they removed all of the accounts that were reporting to my credit report with the exception of one. Ive called them a few times since then and still these accounts are missing from my credit file. There are 6 accounts not reporting. I want these accounts added to my credit profile immediately.
Consumer complaint received 2023-02-03
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose