davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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)

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2022-07-30
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. (NY)

In accordance with the fair credit reporting act XXXX accounts # 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 credit reporting agency Can not furnish a account without my written instruction. 

Accounts 1. XXXX XXXX 2. XXXX XXXX XXXXXXXX 3. XXXX XXXX 4. XXXX bank XXXX
Consumer complaint received 2018-10-02
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. (MS)

I SENT CERTIFIED LETTERS TO DISPUTE INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CREDIT REPORTS TO XXXX XXXX XXXX XXXX XXXX XXXX  THAT WAS SIGNED FOR ON XX/XX/2018, XX/XX/2018 & XX/XX/2018. THEY DID NOT RESPOND NOR MARK THE ITEM AS DISPUTED ON MY CREDIT REPORT FROM THE FIRST INTIAL REQUEST. THERFORE I FOLLOWED UP WITH TWO MORE CERTIFIED LETTERS REQUESTING THAT THEY DELETE THE INFORMATION SINCE THEY DID NOT COMPLY WITH THE LAW. ON XX/XX/2018 ; XXXX   SENT ME A CERTIFIED LETTER BACK CONTAINING THE ORIGINAL DOCUMENTS/INFORMATION I SENT THEM WITH A CIRCLE OF THE ACCOUNT NUMBER AND ADDED SOME MORE NUMBERS TO MY ORIGINAL LETTER. BY LAW ITS HAS TO BE MARKED ON THE CREDIT REPORTS WITHIN 30 CALANDERS DAYS. THEY DID NOT COMPLY WITH THE LAW NOR RESPOND TO MY FIRST REQUEST. THE NEGATIVE INFORMATION IS STILL BEING REPORTED AS VERIFIED. I HAVE SENT A TOTAL OF THREE CERTIFIED LETTERS TO THIS COMPANY. THEY ACTUALLY UPDATED THE ACCOUNT AS A CHARGE OFF AND INCREASED THE BALANCE. I ALSO SENT CERTIFIED LETTERS TO BOTH CB ON XX/XX/2018 AFTER NO RESPOSE TO MY FIRST REQUEST FROM THE COMPANY DIRECTLY AND THEY HAVE NOT RESPONDED WITHIN 30 DAYS OF THE NOTICE EITHER. XXXX SENT A LETTER SAYING THEY RECEIVED THE DISPUTE ON XX/XX/2018 ; 27 DAYS LATER AFTER THEY SIGNED FOR THE NOTICE BUT HAVE YET TO DO ANYTHING ABOUT THE UNVERIFIED ACCOUNTS I SENT THEM AND EQUIFAX HAS YET TO RESPOND. THEY ALSO HAVE NOT COMPLIED WITH THE LAW WITHIN A TIMELY MATTER. NO ONE IS FOLLOWING THE LAW HERE AND REPORTING INACCURATE AND UNVERIFIED INFORMATION ON CREDIT REPORTS WITHOUT PROOF. ON TODAY, XX/XX/2018, ( MR. ****** ) RECEIVED A LETTER FROM XXXX  STATING THAT THEY " NOW '' HAVE DISPUTED THE INFORMATION TO THE CB. IF THEY WERE REPORTING ACCURATE INFORMATION LIKE I STATED BEFORE THEY WOULD KNOW THAT I AM OF THE FEMALE GENDER. THE ACCOUNTS STILL REFLECT THE SAME INFORMATION JUST AN INCREASE IN THE BALANCE OF A CLOSED ACCOUNT. I CLEARLY STATED IN THE NOTICES TO ALL THREE COMPANIES INVOLVED OF THE 30 DAYS AND WHAT I WANTED TO HAPPEN AS A RESULT. I STILL WAS IGNORED.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (PA)

Today on XX/XX/22 My credit score was a XXXX It is now a XXXX Experian is now pushing yearly credit cards on people with bad/fair credit. It's a bait and switch. The companies of these credit cards are paying Experian to push their drugs/high-interest rates cards. The credit card company then pays Experian for placing preapproved credit cards on their site. Mind you with a yearly fee and very high-interest rate. Predatory lending at its finest! Moreover, once you're approved for their card your credit score goes back up. So do you see the scam/con? Checking your credit isn't really free while they're pushing these high credit cards on " poor '' consumers. If you will not rectify the problem, we will be going to the news media. These folk needs to be exposed! Experian act as if they are acting in good faith in reality they are soliciting to consumers for these predators lenders with high interest rates affecting poor disadvantage consumers as myself whom have been disproportion marginalized from the begining credit never was designed for minority with education to understand how it works it's been a generation curse for XXXX due to being XXXX on the importance to good credit Sincerely, XXXX XXXX XXXX XXXX consumer.
Consumer complaint received 2022-07-25
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: TD BANK US HOLDING COMPANY (MD)

Td bank!! Why did you stop reporting my credit card payment to XXXX? Since XX/XX/2021 you have not reported my credit card payment. I have made all my payments on time and I deserve credit for that! Update my payment history!!
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint regarding your failure to correct inaccurate information on my credit report for my account with XXXX, Account Number XXXX. Despite multiple written requests for correction, dated ( XX/XX/year> ), my requests have been consistently disregarded. This failure constitutes violations of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account indicates a failure to meet this legal requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies verify the accuracy of information in consumer files, which has not been adhered to in this case. The discrepancies in my credit report remain unresolved, showing negligence on the part of Equifax to ensure accuracy as mandated. 
TILA Violations : The Truth in Lending Act emphasizes the requirement for accurate and timely disclosures to consumers. Due to the inaccurate reporting of a late payment, my creditworthiness has been adversely impacted, affecting my financial stability. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : The PAANL underscores the duty of creditors to provide timely statements, which would prevent unfair penalties, such as this late payment reporting, that harm consumers without due cause. 
The following discrepancies were noted on my credit report across all three major credit bureaus : XXXX : XXXX marked as 30 days late, although previous payments were timely. 
XXXX : Similarly, XXXX indicates a 30-day late status despite consistent timely payments. 
Equifax : Records a 30-day late entry in XXXX as well, contradicting previous payments made on time. 
Nothing has changed despite two previous disputes with Equifax and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notation from my credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your attention to this matter. I trust that you will give this issue the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NC)

We are affected by Hurricane Florence but on my zales credit card ending XXXX on XX/XX/XXXX I am charged ( {$800.00} ) and XX/XX/XXXX ( {$74.00} ) .We are already broken with no money and now required to pay finance charges of over $ XXXX.Please consider our disaster and refund {$870.00} to zales credit card account.please help
Consumer complaint received 2022-07-25
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. (CA)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The XXXX Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2022-01-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (FL)

I presently have a mortgage with Primary Residential Mortgage Inc. Account # XXXX I have recently received a cancellation notice for my homeowners insurance for non-payment, which is Primary Residential Mortgage Inc XXXX responsibility seeing I pay money into Escrow every month for taxes and insurance. 
When trying to contact anyone I have been on hold twice for over XXXX hours each time. I contacted the lending office and finally received a call back about my issue but I was working and unable to take the call. The person said that I needed to return their call and gave me the same number that I was on hold with before and never gave me an extension to connect to. 
XXXX is my insurance carrier and policy number is XXXX, I have been with this company since 2017.
Consumer complaint received 2024-09-02
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. (NV)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2022-07-25
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. (CA)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The XXXX Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

We have been loyal customers of American Express for 20 years now. 
So, I looked into the finance charges over the past year on our American Express gold charge card and found that Amex has been charging me - {$1700.00} XXXX asked why, because I always pay my bill ON TIME and IN FULL. 
They said it was because i break the payment up previous to the due date and pay some of it early- BUT I ALWAYS EVENTUALLY PAY ON TIME IN FULL. 

How are they able to leverage a charge against us on a partitioned amount when that amount is always paid on time and in full? 

They refused to help me. Employee name is XXXX and her employee number is # XXXX she was the supervisor I spoke to and she said she was 'unable ' to help me get our money back. 

This was an unfairly leveraged fee on an already struggling small business that always pays ON TIME and IN FULL. American Express DOES NOT CARE about SMALL BUSINESSES!
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Upon review of my credit report per a recent credit denial, I noticed several unauthorized inquiries that were showing on my Equifax credit profile. As such, I am hereby demanding for the following offending unauthorized inquiries listed below to be immediately deleted from my credit report : XXXX. XXXX XX/XX/22 XXXX. XXXX XX/XX/22 XXXX. XXXX XX/XX/22 Please remove this offending unauthorized inquires from my credit report.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma (CA)

I had deposited money to my Home bank to transfer a large amount of funds to a company called credit Karma Money for {$5000.00} on XX/XX/XXXX to pay a dept toward a credit card and Credit Karma refuses to give me my funds they have violated my trust and withholding my only means to live eat and basic necessities due to my XXXX I am currently XXXX  they do not comply with their own policy and been way past 10 business days to review my account and purposely hold my money it is not there money
Consumer complaint received 2022-07-25
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. (GA)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$890.00}
Consumer complaint received 2022-07-25
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX : {$500.00} ; XXXX XXXX XXXX Balance : {$31000.00} ; XXXX XXXX XXXX XXXX {$3100.00} ; XXXX XXXX XXXX : {$1400.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX
Consumer complaint received 2020-07-08
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY XXXX XXXX
Consumer complaint received 2024-09-06
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2018-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

Our home in XXXX Florida sustained substantial damage during Hurricane Irma in XXXX. We settled with our insurance carrier and a joint check was issued to us and the mortgage company, XXXX Mortgage / Midfirst Bank in the amount of {$51000.00}. 

The settlement check was XXXX XXXX to XXXX Mortgage XX/XX/XXXX and the money was placed in an escrow account. In the following 6 months, XXXX has released less than {$6900.00} of the insurance proceeds, despite repeated requests for payment to contractors and reimbursement for out of pocket expenses. 

The last six phones calls have resulted in requests for information that was previously sent on multiple ocassions, or promises of payment that never came. 

To date we are out of pocket over {$5800.00} and will most likely have to pay at least another {$7100.00} to avoid having a mechanics XXXX put on our property, which would impact our personal credit.
Consumer complaint received 2022-07-25
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXBalance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXX Balance : {$1100.00}
Consumer complaint received 2022-07-25
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. (VA)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$990.00}
Consumer complaint received 2022-07-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX XXXX XXXX  # XXXX. I've proactively remembered this report for a past letter and I am including it once more. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX I recognize your quick regard for BLOCK or REMOVE this ACCOUNT and reaction inside 4 work days