davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (KY)

I am submitting this CFPB Complaint to the Credit reporting Agencies in accordance with the FCRA 's guidelines to ask that the following accounts, which I consider to be erroneous and incomplete, be looked into right away and updated on my credit report. I read over my credit report and found that some of the data was incorrect. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$1000.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have some accounts that are on my consumer file, that are in violation of the fcra and need to validated/verified in order for them to continue to be reported on my credit report. I have also sent a validation noticed to the company as well. These account are in violation and need to be deleted from my consumer file.
Consumer complaint received 2022-10-19
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-19
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. (FL)

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
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX*** XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

Sent collections agency ( Credence Resource Management ) 609 letter to validate the debt. I did not receive any of the information  requested. The letter was dated XX/XX/2020. This well past the 30 days. XXXX  advised me that I needed to contact CFP for some resolution. Below were the information that I asked for. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've been having a problem with Transunion and their website for the past 8 months. First I could put a freeze on but couldn't take it off through the website. Then I thought the problem was fixed when I called in and spoke with someone who blamed it on website technical difficulties but told me to just call in whenever it happens and they would remove on put on a freeze. This time when it didn't work they would not remove the freeze and and wanted me to mail different information to them to remove freeze. This is totally unfair and unacceptable and I want vthe freeze removed and told them I wouldn't be mailing them anything. Please help now I can't apply for anything because of their system being messed up.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX submitting this CFPB Complaint to you today to follow up the previous CFPB Complaint I submitted to the Credit Reporting Agencies requesting that the Credit Bureaus remove the disputed fraudulent accounts and information completely from my Credit File. On XX/XX/XXXX, I sent a disputed letter to each of the Credit Reporting Agencies with complete attachments of my personal information and the ID THEFT REPORT I received from the FTC for reporting the fraudulent accounts and information reporting on my Credit File. I have read that under the Fair Credit Reporting act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft within the time allowed by law. Right now, I am expecting that the Credit Bureaus will comply with the federal law and have the disputed items removed from my Credit File. Here is the list of accounts that should be removed in accordance with the Fair Credit reporting Act section XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$770.00}. If the Credit Bureaus believe that the disputed accounts belong to me, I am requesting the Credit bureaus that they send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus ' claims. In the event that the Credit Bureaus can not provide me copies of documents I seek, please delete the disputed accounts completely from my Credit File.
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I have 30 yr fixed mortgage for which I have been paying PMI since the loan originated in XXXX. I took few months of forbearance during COVID in XXXX. Currently I am trying to remove the PMI as my LTV is at 80.5 %. I was advised that even if I paid down to 80 % LTV, I would still not be eligible for PMI removal due to " late payment '' within past 24 months as it relates to my forbearance. Aside from forbearance, all my payments have been on time. The company is quoting Homeowners Protection Act : " A borrower has a good payment history if the borrower : ( 1 ) has not made a payment that was 60 days or more past due within the first 12 months of the last 2 years prior to the later of the cancellation date, or the date that the borrower requests cancellation ; or ( 2 ) has not made a payment that was 30 days or more past due within the 12 months prior to the later of the cancel- lation date or the date that the borrower requests cancellation. '' Nowhere in the act mentioned that forbearance is to be considered as late payment. The forbearance does not affect my credit therefore it has no bearing in being considered as late payment.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

The inaccurate personal information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureaus. The reality that these information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information 's listed below as a result. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
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. (CA)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected rights under15 U.S.C. 681 XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and XXXX account # XXXX and # 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

The credit bureau 's have stated stated my account has been accurately And properly investigated but how could that be possible double if the open updates Are inaccurate, High balance is inaccurate, Date of last activity is inaccurate, the closed date Is inaccurate, the 2 year payment history and Days late are in accurate.The accounts are as followed. XXXX 1.High Balance inaccurate.2 Date of last Activity.3. Date Opened. 4.Date Closed. 5.Two- Year payment history. 6. Days late. Account 2 is XXXX And XXXX. 7.High Balance 8. Last Verified.9. Date of Last Activity. 10.Date Reported.11. Closed date.12. Two year Payment history. 13. Days late. Account 3 XXXX, XXXX. 14. High Balance.15Last Verified.16.Date of Last Activity.17.Date Reported. 18. Date opened. 19.Closed Date. 20.Two year payment history. 21.Days late. Account 4 XXXX XXXX. 22. High Balance.23.Date of Last Activity. 24. Date opened.25. Closed Date. 26.Two Year Paent History. 27. Days Late. Account 5 XXXX XXXX. 28. High Balance.29.Last verified.30.Date Opened.31.Closed Date.32. Two Year Payment History.33.Days late. Account 6 XXXX. 34.High Balance.35.Last Verified.35. Date of Last Activity.36. Date Opened.37.Closed Date. 38. Two year payment History. 39. Days late. Account 7 XXXX XXXX.40.High balance.41.Last Verified.42.Date of Last Activity.43. Date Reported.44.Date Opened.45. Closed Date.47. Two Year Payment History.48.Days Late. Account 8 XXXX XXXX.49.High Balance.49.Last Verified.50. Date Reported.51.Date Openeded.52.Balance Owed.53. Closed Date.54.Account Status. Account 9 XXXX XXXX55.Last Verified. 56. Date of Last Activity. 57. Date Opened. On XXXX XXXX, XXXX XXXX as well as XXXX XXXX. No one responds or sends a new report with updated information. Also have asked to update my personal information with only my current address of XXXX XXXX XXXX XXXX Nj XXXX. And nothing. 
15 U.S.C 1681 Section 602 ( A ) States I have the right to privacy.

15 U.S.C 1681 Section 602 ( A ) Also States a consumer Reporting Agency can not furnnish an account without my written instructions How could all of this inaccurate information possibly meet XXXX standards. Those inaccurate accounts were only for experian. XXXX Also is reporting inaccuracte information just the same with just about 100 inaccurate items. Equifax is unable to find any of my information. Please help me here my life is really hitting speed bumps and setting me back big time and this is highly unfair. And i believe the credit bureau 's were not.resolving anything due to these letters coming from a repair company and not me personally. So trying to take matters in my own hands and reach out for help.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Additionally, I contacted the furnishers and they agreed to not report the accounts from my file. I have sent my documents, and the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me and is reported erroneously. I am in desperate need of these items to be REMOVED and BLOCKED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX 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 XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX 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 2022-10-19
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)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

For the last 3 months of dispute, the Credit Reporting Agencies have not yet complied with the Fair Credit Reporting Act section 605b, and have kept reporting the disputed accounts as verified! How many times do I have to tell the Credit Reporting Agencies that I was a victim of identity theft and that the disputed accounts were the results of such crime! I previously sent a dispute letter to each of the Credit Bureaus requesting that the Credit Bureaus remove the disputed accounts and information completely from my Credit File. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus really feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Once again, I need the remaining items removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-19
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4 . The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX 11 . The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
18. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.