davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2022-07-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd (TX)

Nationwide Recovery Systems has continued to report an alleged collection account to the credit reporting agencies ( XXXX, XXXX, XXXX ) in the amount of {$280.00} without a DOFD ( Date of First Delinquency ). I disputed the validity of the debt and the lack of a DOFD several times ( XX/XX/22 XX/XX/22 ), but Nationwide Recovery Systems continues to claim the validity of the debt without providing the DOFD. This gives the erroneous impression that I have recently and knowingly defaulted on a debt.
Consumer complaint received 2022-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (IL)

L J ROSS ASSOCIATES IN account # XXXX This is fraud according to the USC and particularly 15 USC 1681 Section 602 A right to privacy 15 USC 1681 Section 604 sec. 2 written consent This shouldn't even be reflected on my report and FCRA you have no right to collect Further more. My debit was paid for 3x over if you have possession of it please review consumer law and prove otherwise we can get into the power of taxes, my signature and ssn # Any action besides an elimination of this debt entirely will result in you being sent my fee schedule a {$1000.00} collection and a notice of court for harassment and adverse action
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on " XX/XX/22 '' I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you are causing me.
Consumer complaint received 2022-07-16
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. (VA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXXXXX XXXX-Balance {$0.00} XXXX XXXX XXXX-Balance {$1500.00} XXXX-XXXX****-Balance {$240.00} XXXX XXXX XXXXBalance {$62000.00}
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX.
Consumer complaint received 2022-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (MD)

XXXX XXXX XXXXave used deceptive collection tactics to try to trick me into paying an allege debt. 

They have also threatened to take a legal action against me in the past. 

I have requested a copy of the original credit card agreement ( with the dispute resolution processes ) from the original creditor but they have refused to send it to me.
Consumer complaint received 2022-07-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (WI)

We have a VA backed mortgage with United Wholesale Mortgage aka UWM. We are moving and want to offer other XXXX a chance to assume our mortgage at a very favorable rate. However, UWM has been dragging their feet for more than three weeks now and already cost us one buyer. Every time we contact the company, we get a nonsensical answer ( e.g., they want to process this like a succession ) or they keep saying that the mortgage assumption package will be coming ( in XXXX, XXXX, XXXX hours, two more business days, the process normally takes 60 days, etc ). We are losing time and money from this mortgage company and their bogus delays. Please help!!
Consumer complaint received 2020-05-18
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. (FL)

To Whom It May Concern : I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-07-16
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: TD BANK US HOLDING COMPANY (TX)

My wallet was stolen and an individual named XXXX XXXX tried to buy a car using my information as well as his. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, ran my credit through XXXX different banks trying to get a loan for this individual without my consent or me being there on XX/XX/2022.
Consumer complaint received 2022-07-13
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)

On XX/XX/XXXX I received a notification of several new hard inquiries on my Experian, and XXXX credit reports. The inquiries were listed as follows : Experian reports inquiries from : XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports one inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After checking my credit reports with both companies, speaking with their consumer service agents, as well as contacting the companies that performed the inquiries, I found that both agencies had incorrect SSN, Name, address, birthdate and other personal information listed on my report. From speaking with XXXX XXXX and XXXX XXXX I learned that the credit checks were performed for the individual whose name, address and SSN have all been erroneously listed on my report. 

I have disputed all of this information with both agencies. 

I have just received official notice from Experian in the mail today showing the revisions they made due to my dispute, yet the incorrect name is still listed, as are the inquiries. As of now, XXXX has also investigated my dispute and upheld the inquiry as factual, and will not remove it. 

This issue with Experian has been going on for over five years, as sometime around XXXX I had an extended dispute with them to remove outstanding debt records that belonged to this other person who Experian keeps reporting on my record. At the time I believed it all to be settled, and hadn't checked back in as there hadn't been any new issues until this month.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My current address is XXXX XXXX XXXX XXXX XXXX XXXX  all the other address that is showing on my credit report is Fraudulent and need to be removed with all the accounts that are reporting them
Consumer complaint received 2022-07-16
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. (TN)

I Have a Right to Privacy and to know what's being reported to the CONSUMER REPORTING Agency. 15 U.S.C. 1681a. It states a CONSUMER reporting agency can not furnish an account without my written instructions. I have not given any written consent to put anything on my CONSUMER report the law also states that the information got to be XXXX percent accurate. XXXX XXXX # XXXX, are violating my rights I have asked them to stop showing my transaction history and my payment history a credit report is a CONSUMER REPORT and base on the law 15 U.S. Code 1681a ( 2 ) ( i ) a CONSUMER REPORT DO NOT INCLUED transaction history which is credit utilization and experiences which is payment history between the consumer and the creditor. By reporting this information you have made this account and my CONSUMER REPORT INACCURATE because you know this already your in violation of 15 U.S. Code 1611 ( 1 ) you are giving ON PURPOSE FALSE and INACCURATE information. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information. After this letter if you do not remove my transaction history and payment history like I have ask and written today you will be receiving a subpoena to court for all the violations and damages you have caused by not following the law 15 U.S.C 1681 ( s ) ( 2 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX  holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2022-07-13
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 XXXX XXXX Account # 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
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2020-05-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

Good Afternoon, I am writing in regards to XXXX XXXX XXXX/Loancare, LLC. 

I submitted a mortgage payment in XXXX, of which was processed and applied to the loan on XX/XX/XXXX. 

On XX/XX/XXXX, Loancare notated a " bad check reversal '' on our account. Had Loancare completed due diligence on their part, they would without a doubt realize that the issue was " inaccurate Financial Institution Information '', not a " bad check '' being processed. 

The funds were available in our account the entire month of XXXX. This was not a case of insufficient funds. 

I am including the e-mail I submitted to the Payment Research Department with Loancare. 

I ultimately would like to have the " bad check reversal '' removed from our account. I am not concerned regarding the NSF Fee they  incorrectly attached to our XXXX mortgage payment. 

Good Afternoon, A mortgage payment was made to our account on XX/XX/2020. With that being said, the routing number rather than the actual Checking Account number was utilized to make the payment which resulted in the payment being returned. This also resulted in a payment being made on the XXXX of XXXX which causes concern for a late payment to be reported on our credit report. 

In addition to the incorrect account number being used, we now have a " bad check reversal '' notation on our account. We have had an estimable payment history with XXXX. You will find that upon review of our account history, this will prove this to be factual. 

We would like to have the " bad check reversal '' to be removed from our account history as this was clearly not a characteristic of " bad check reversal '' yet a result of a aberration. 

I am attaching screenshots of the dates from XX/XX/2020 to XX/XX/2020 to verify that the mortgage payment was never drafted from our account, therefore this could not possibly result in a " bad check reversal ''. There were no returned check fees thus validating that this is not the case of a " bad check reversal '' Please review account information and notate that the mortgage payment was not drafted as a result of a routing number being used rather than an actual checking account number. 

I also attached the financial institution information on file with XXXX which will verify that the routing number for XXXX XXXX rather than the checking account number was used in error. This would result in the payment being returned due to invalid account information. 

Your assistance is greatly appreciated in this matter. Please feel free to reach out by e-mail or phone at the contact information on file with XXXX XXXX XXXX. 



Respectfully, XXXX XXXX
Consumer complaint received 2023-02-07
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. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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.