davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am filing a formal complaint against the three major credit reporting agenciesExperian, XXXX, and XXXXfor failing to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) in addressing and resolving disputes I submitted regarding inaccurate information on my credit report. Their failure to investigate and verify the disputed information within the legally mandated timeframe has severely impacted my creditworthiness and financial well-being. 

XXXX XXXX XXXX Account XXXX XXXX Account XXXX  XXXX Account XXXX XXXX XXXX Account On XX/XX/year>, I formally disputed the accuracy of the above accounts with Experian, XXXX, and XXXX, citing discrepancies in the reported balances, payment histories, and statuses across the three bureaus. My disputes were sent via certified mail, and I provided all necessary supporting documentation.

Non-Compliance with FCRA : The FCRA, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), requires that credit reporting agencies investigate consumer disputes and provide the results of the investigation within 30 days of receiving the dispute.

As of today 's date, more than 30 days have passed, and I have not received any response or verification from Experian, XXXX, or XXXX regarding the disputed accounts. This lack of response violates my rights under the FCRA. 
Impact on Creditworthiness : The failure of the credit bureaus to address these inaccuracies has directly harmed my credit score, limiting my ability to obtain credit, loans, or favorable interest rates. The inaccurate and unverifiable information remains on my credit report, further damaging my financial standing.
Consumer complaint received 2022-06-09
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. (TX)

In accordance with the Fair Credit Reporting act OFFICE OF THE ATTY GEN # XXXX, has violated my rights. 

Under 15 U.S.C 1681 e ( b ) and 15 U.S.C 1681i ( 5 ) this account is in violation not reporting 100 % accurate, it list that child support agency as a furnisher that illegal and its forgery. Its misleading when the courts doesnt report this type of account. Its also in violation of permissible purposes, I havent given anyone direct or written consent to report this account on my credit report which is also another federal law violation. I demand for this account to removed from my credit report immediately. 

In accordance with the Fair Credit Reporting act XX/XX/XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act US DEPT ED # XXXX, #, has violated my rights. 

In accordance with the Fair Credit Reporting act DPT ED/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.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I reached out to XXXX XXXX XX/XX/2022. I sent a Cease and Desist letter informing them of violation I notice. 

They consistently called 3x 's a day despite the correspondence. 

They are also creating accounts w/o my knowledge as well as consist. There are 4 accounts they have made up XXXX, XXXX, XXXX ; with 3 different amounts old. 

My report on EXPERIAN reports account number XXXX with a balance of {$2200.00}. XXXX with a balance of {$2400.00}, and XXXX original loan {$1500.00} ( CLOSED ) Contract they have on record says account number XXXX. 

My Consumer Reports have all 3 accounts on them. 3 accounts have a balance I'm not sure how they did this w/o my knowledge. 

They are now committing fraud and identity theft. 

In response to my letter dated XX/XX/2022 they have sent me 3 different correspondences dated XX/XX/2022 with an account number XXXX Principle amount : {$2100.00} late charges : {$110.00}, XX/XX/2022 with an account number XXXX XXXX amount : {$2100.00} Late charges : {$150.00}, XX/XX/2022 with an account number XXXX Principle amount : {$0.00} all 3 correspondences had the same contract attached to it. 

As a debt collector XXXX XXXX has violated multiple code pursuant TILA and the FDCPA.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXXXXXX XXXX  account, account number XXXX Specifically, late payments were reported for the months XX/XX/year> Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Consumer complaint received 2022-06-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

XXXX/XXXX/22. Was told that to get intrest rate low I would need to pay {$500.00} to lock the rate and that it would go towards closing cost. We had an unfortunate happening weekend of XX/XX/22 and spoke to Amerisave XXXX XXXX to return our money because we were unable to buy a house and as he stated the money would go towards closing. Since we were not going to have a closing, we want our money back. There were many texts and emails sent back and forth stating the above and we asked to speak to his supervisor and were given the customer service line which they said we would have to talk to his supervisor. He refused to give us the name or our money back.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) Accuracy of report. Multiple repeating unauthorized inquiries that have failed to have been resolved. I NEVER GAVE PERMISSION FOR INQUIRES FROM XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. These inquiries are being ran without my consent ever few months and have not been removed from my account when asked
Consumer complaint received 2022-06-09
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. There are also inquiries on my report I did not authorize
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was extremely concerned to discover that multiple unauthorized inquiries from your company have appeared on my credit report. This is negatively affecting my credit and has caused me unnecessary stress and frustration.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Request to Cease Reporting Due to Violation of 15 U.S.C. 1692c Dear Trans Union I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request that you cease reporting a collection account associated with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c. 

I recently sent a letter to the collection agency XXXX XXXX XXXX regarding the violation of my rights under this statute. As per this law, I have the right to request that they stop contacting me under certain circumstances. I understand that this applies to how this information is reported to credit bureaus as well. 

Given this situation, I kindly request that you investigate this matter and take the necessary actions to remove any negative reporting associated with the collection agency from my credit report as soon as possible. 

Please confirm receipt of this letter and let me know the actions you will take regarding this matter. Should you need any further information or documentation from my side, feel free to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (CA)

On XX/XX/2022, I summited a request to have accounts verified that are reporting on my credit report. Upon completion The Credit bureaus stated XXXX XXXX XXXX # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. I attached proof showing the inaccuracies. This ground for removal! They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well
Consumer complaint received 2022-10-11
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. (MO)

I appreciate the immediate action done and respond to my CFPB complaint, however, I totally disagree with what the Creditors and Credit Bureaus claims that the disputed accounts are reporting as accurate. I took the liberty to investigate my own Credit File and I will point out the inaccuracies I noticed : 1 ) the disputed accounts are reporting as late even though I never missed a single payment. I keep my own Payment Records and what the Credit Bureaus present is different from what I have ; 2 ) the disputed charge off account was not charged to me. The account reports as paid and agreed : and 3 ) there are inaccurate personal information that are reporting and must be immediately removed. I am submitting this CFPB complaint to request another investigation to be done and have the disputed accounts and information deleted from my Credit File as soon as possible. Also, the Credit Bureaus have been claiming that the disputed accounts and information are verified without sending me copies of the result of their investigation. Once again, have the disputed accounts and information corrected or deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-27
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. (MA)

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XXXX XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX REMOVE LATE PAYMENTS OR DELETE THE ACCOUNT, NOT MORE UPDATES.
Consumer complaint received 2022-06-09
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. (MI)

I have filed a dispute with XXXX, XXXX and Experian. and they have ignored my concerns. This account is not reporting 100 percent accurate. there for according to the FCRA it needs to be deleted immediately. 

XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 


I HAVE INCLUDED PICTURES AS WELL. I HAVE ALSO CONTACTED THE XXXX AND ATTORNEY GENERAL. THIS IS MAKING MY CREDIT TO BE HURT AND CAUSING ME TO PAY MORE IN FEES.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have filed a dispute with transunion, XXXX and XXXX. and they have ignored my concerns. This account is not reporting 100 percent accurate. there for according to the FCRA it needs to be deleted immediately. 

XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

I HAVE INCLUDED PICTURES AS WELL. I HAVE ALSO CONTACTED THE XXXX AND ATTORNEY GENERAL. THIS IS MAKING MY CREDIT TO BE HURT AND CAUSING ME TO PAY MORE IN FEES.
Consumer complaint received 2024-08-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. The hard inquiry in question is as follows : BANK OF AMERICA - XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize this inquiry, they do not meet the criteria set forth by the FCRA. Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation and removal of this inquiry.
Consumer complaint received 2022-12-01
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. (FL)

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 2023-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WELLS FARGO & COMPANY (OH)

Starting around XX/XX/22 I have tried to set up mobile banking with Wells Fargo. I was approved for a credit card and tried to add it to my current account I already have open. They allowed me to do a balance transfer that is over {$7000.00}. But when I tried to view it online I couldnt. I made the transfer over the phone. I have called numerous times to have this sorted out and merged with my current account. I have been told people would call back, have been told 5 different things as to why I cant see it. I have been asked to come to a branch when the nearest branch is over 3 hours driving distance. I have had numerous cases opened and not one person has called me back to rectify this. They do how ever call me and send mail about my current $ XXXX account and making payments to it. I am not making payments until I have resolved this issue
Consumer complaint received 2022-06-09
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: NAVY FEDERAL CREDIT UNION (MI)

I have filed a dispute with XXXX, XXXX and XXXX. and they have ignored my concerns. This account is not reporting 100 percent accurate. there for according to the FCRA it needs to be deleted immediately. 

NAVY FEDERAL CR UNION- Under

15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. I HAVE INCLUDED PICTURES AS WELL. I HAVE ALSO CONTACTED THE XXXX  AND ATTORNEY GENERAL. THIS IS MAKING MY CREDIT TO BE HURT AND CAUSING ME TO PAY MORE IN FEES.