davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, I am writing to file a dispute regarding the inaccurate information being reported on my credit report by XXXX XXXX, account number XXXX. 

The Fair Credit Reporting Act ( FCRA ), specifically Sections 607, 609, 611, 623, and 628, requires furnishers of information to consumer reporting agencies to provide accurate and complete information. However, XXXX XXXX has violated these provisions by inaccurately reporting my monthly payment balances to TransUnion and XXXX, while XXXX reports a different balance. Furthermore, XXXX reports that the account terms are revolving, while XXXX reports that the payment is due monthly. TransUnion, on the other hand, did not report the account at all. 

I was shocked to discover that all three credit bureaus reported that I was 30 days late on XX/XX/XXXX and XX/XX/XXXX, when in fact, I made all payments on time. This erroneous reporting has had a significant impact on my credit score and has made it difficult for me to obtain credit and loans. 

XXXXXXXX XXXX with account number XXXX. The information being reported is not only false but is also having a detrimental impact on my life. 

According to TransUnion and XXXX, my payment status on this account is charge off, yet I have never received any notification from XXXX XXXX regarding this charge off account, nor have they provided me with any paperwork related to it. This violation of Section 609 of the Fair Credit Reporting Act ( FCRA ) has caused significant distress and XXXX as it has left me in the dark about the state of my finances and the potential consequences of this charge off status. 

Furthermore, TransUnion is reporting a high credit balance of {$1500.00}, whereas XXXX did not report this information at all. In addition, TransUnion is reporting the Date Last Active as XX/XX/XXXX, whereas XXXX is reporting it as XX/XX/XXXX. These inconsistencies violate Section 607 and Section 623 of the FCRA, respectively. 

This false and incomplete information is having a negative impact on my credit score, making it difficult for me to access credit and causing me undue stress and hardship. It is affecting my ability to secure a loan for a much-needed home renovation project, which is crucial for my family 's safety and well-being. 

I urge you to enforce the legal protections provided by the FCRA and ensure that XXXX XXXX provides accurate and complete information to all three credit reporting agencies. Additionally, I request that these unverified accounts be removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-19
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. (CA)

Inconsistencies with the items posted on my credit report. 1 or more credit reporting companies did not fully or completely remove the collection off my credit report. Credit reporting agencies were not able to provide proof of applications for any or all accounts.
Consumer complaint received 2023-02-13
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. (NY)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-04-05
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. (IN)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-07-18
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)

In accordance wi the fair credit reporting act, Credit collection XXXX  account number 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 an account without my written instructions
Consumer complaint received 2023-04-05
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. (NY)

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesAccording to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request an investigation into these discrepancies and to rectify any inaccuracies in my credit report. 
Below, I have outlined the specific details of the inaccurate information on my credit report : XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report.
Consumer complaint received 2021-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

To Whom It May Concern : Hello Dear CFPB Staff, I would like to follow up with you in regards to the SLS Mortgage Company adding a foreclosure fee to my monthly mortgage statement calling it a Corporate Advance Fee of {$110.00} applied to my mortgage statement on XXXX 2020, while my mortgage loan account was in forbearance due to COVID-19 and there was NOT suppose to be any type of fees during this time to be charged to my account as it was a temporary relief for a limited period of time. I was clearly told by SLS mortgage company staff while your account is in forbearance there will NOT be any kind of fees applied to your account. Please help me resolve this matter of removing the fee of {$110.00} from my SLS mortgage loan account asap. 

I attached/uploaded the recent mortgage statement as reference for your review. Please feel free to reach me, if you have any further questions at the contact number below. 

Sincerely, XXXX XXXX XXXX  : XXXX
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

The bank blocked my account telling me to wait for them to close the account and my money is in my account and they wont give me any money. I have at least {$1800.00} in my account Ive called them many time Ive went to the branch and nobody can tell me anything and I cant withdraw from this account
Consumer complaint received 2021-02-13
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. (GA)

In XX/XX/XXXX I spoke with a representative and got my car payments deferred due to COVID 19. The agent stated they were able to defer my XXXX and XXXX car payments, and that my car note wouldn't be due until XX/XX/XXXX. In XXXX the car was sold to a dealership who paid the car off, XXXX confirmed on XX/XX/XXXX they received the full payment on XX/XX/XXXX to pay the car in full. In XX/XX/XXXX XXXX reported a 30 day late payment to the credit agencies. I called and spoke to a representative on XX/XX/XXXX asking them why this was placed on my credit as there was never a late payment on the vehicle. The representative informed me that she seen where I called in in XXXX for the deferred payments however that agent never completed the setup. I asked well why wasn't I informed or why want any communication sent to me regarding this matter, the agent stated it was all set up. I also told the agent if what you are saying is true then the payment for XXXX and XXXX were late as the car not is due the XXXX of each month and they are reporting my XXXX payment was the only late payment. She informed me that she shows its inaccurate and they are going to get this updated immediately. I have spoken to countless representatives and was hung up on by a manager. I have been professional in this entire process and have tried working with XXXX to get this matter resolved. I had the vehicle for 3 years and I have never paid the car note late. I attempted again XX/XX/XXXX to resolve this matter and have explained to the finance company that I need to get this matter resolved as I am in the process of purchasing my 1st home and this hurting my credit and is untrue. I have not had an issue with XXXX and would like to do business with them one day in the feature, but the information they are reporting is FALSE and I have exhausted all my avenues to get this matter resolved.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I previously contacted synchrony bank CareCredit in response to noticing a charge that was not authorized by myself XX/XX/XXXX. I gave them all of the information regarding my personal information and everything that they asked me for in terms of helping them to do a thorough investigation. The charge was initially taken off of my card and then it was reversed in XX/XX/XXXX. I am now having the same exact issue on XX/XX/XXXX. There was a charge made on my card that has no merchant name it just has a city and state of XXXX Ohio. This is not a charge that I am aware of it is fraud. I have made no purchase in this amount of {$2300.00}. What also concerns me is that someone is able to fraudulently obtain my information and make these charges to my card I have expressed my concerns with CareCredit, Synchrony, Bank and I am not getting the support. I feel that I need to ensure that my information is being protected, I have had a fraud alert, put on my my credit report because I have been a victim of identity fraud in the past. However, it is very concerning to me as a consumer that I keep getting my information compromised, and these fraudulent charges are being made. I originally initiated a claim with the ftc.gov which brought me to the CFPB. I also am in the process of going to the authorities to file a police report because I am now becoming a victim of identity, fraud, and Internet crimes more often I am comfortable with something have to be done about this as a consumer we do not deserve to have our information stolen and charges made and then we are responsible for this. I also hold the company is responsible for making sure that we are not liable for any charges that were not authorized by us.
Consumer complaint received 2023-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-12-06
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. (TX)

on XXXXXXXX  i sent certified mail XXXX, trasunion, and XXXX  containing all the fraudulent items on my credit report. the certified mail contained the violations the credit reporting agencies are in violation of along with my signature, a notarized statement that my permission was ever given, as well as a copy of my state drivers license. title 15 us code 1682c-2 states items must be locked and removed within 4 days of receipt.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (MI)

On ( XX/XX/ ) 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-05
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. (CA)

1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
4XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
5XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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: CBC Companies, Inc. (MD)

According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete accounts immediately for violating 15 USC 1681EBXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject : **Dispute of Inaccurate Information and Request for Removal under 15 USC 1681** Dear Sir or Madam, I am writing to formally dispute the inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681i , which mandates that credit reporting agencies must ensure the accuracy of the information they provide. 

The following accounts are inaccurate and/or incomplete and should the investigation come back determining as such, they must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are incorrect and must be removed from my credit report. I am requesting that you immediately investigate these inaccuracies as required under XXXX XXXX XXXX and, upon verification of their incorrect nature, have them removed from my credit report.

I trust that you will comply with your obligations under the FCRA and resolve this issue promptly by removing the inaccurate information from my credit file. If this dispute is not resolved within the legally mandated time frame of 30 days, I may pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies.

Please confirm in writing when these items have been removed from my credit report.

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (IL)

On the month of XX/XX/2020 I CONTACTED XXXX XXXX XXXX To dispute a validation about purchased debt from the original creditor Comenity Bank, in the amount of {$370.00} A DEBT THAT I DO NOT OWN* I tried talking to multiple agents at XXXX XXXX XXXX XXXX removed the False inaccurate account from my consumer report. As a result we were not able to come to agreement to removed this false and inaccurate information from my consumer report I feel my rights have been violated as a consumer and have been taken advantage By Comenity Bank and XXXX XXXX XXXX. Section FCRA 611 ( a ) as it states failure to investigate items within 30 days gives reason for deletion immediately. It has been well over 60 days and this account is still reporting to my consumer report.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I called Bank of America regarding credit card XXXX for them to help me set up autopay. I put all my bills on autopay. Their associate set it up for me by phone then unfortunately come to find out when she took my bank account numbers over the phone she failed to include one of the numbers. I thought I was all good that my payments were being automatically withdrawn from my bank account on the due dates. But because she did not put in my numbers correctly the auto payments declined transactions. 

I have XXXX credit cards and I have or should I say had an excellent credit history/score. I always and mean always pay on time by setting up autopay successfully. I was out of state for the winter I had no Wi-Fi so I was locked out of my email that could not be fixed so I opened up a new email account while away out of state, and I was not getting my U.S.P.S mail out of state either. I was there on severe family matters. When I got back home to Michigan I was going through my mail. I opened up a letter from Bank of America stating my payment is past due on this card and when I called I found out they closed it due to non payment for 4 months. I only owed them {$190.00} in which I paid off yesterday. Due to 4 missed payments I now owe them {$140.00} in late fees. I also, opened another letter from Bank of an America regarding credit card XXXX they also reduced my credit limit from {$11000.00} to {$2000.00}. All of this adverse information was sent to my credit reporting agencies. My credit score took a major hit. This would have never happened if Bank of Americas customer service associate would have set up my autopay successfully by putting in all my bank account numbers accurately in the first place. This mistake is noway my fault. They should have noticed this mistake right away and called me by telephone just as I called them to set up autopay in the first place. I am desperate to get this rectified in my favor to make me whole again. This is due to their negligence not mine. This is not because I outright failed to pay my payments. This is all due to an oversight on their end. Please help me by getting them to open my credit card ending in XXXX again, waiving the {$140.00} in late fees, and increasing my credit limit on card XXXX to the {$11000.00} again, and most importantly remove all this adverse information from all the credit bureau agencies. Thank you for your time in helping me rectify this serious matter Bank of America caused me due to their negligence and oversight. 

Sincerely, XXXX XXXX XXXX