davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Recently I paid off a credit balance that is listed on my credit report ( I didn't close the account, just paid it off ). This had the effect of lowering my credit utilization which is supposedly a good thing. However, as a result of doing this, both Trans Union and XXXX  report the account is paid, but as a result, they both lowered my credit score. I've tried to contact both agencies with little success. I was able to file an online dispute with XXXX, which they have acknowledged but not responded to as of yet. However, I have been unable to do the same with Trans Union. Their web site for initiating a dispute doesn't work, and if you call them, you just sit on hold forever - so far 6 hours in my case. Hence I would like to file a complaint about Trans Union at least.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that Equifax will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : XXXX  XXXX # XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My accounts were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 reported in to be removed. 

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 XXXX days before the payment due date. 

Those companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

My credit report is showing an unauthorized inquiries from 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 these UNAUTHORIZED inquiries has affected my credit profile and is affecting me from using my credit. Under the FCRA, specifically 15 U.S Code 1681 ( n ) | am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy these inquiries needs to be removed immediately.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

EQUIFAX has reinserted a previous deleted account which is in violation consumer rights under FCRA. EQUIFAX conducted investigation and deleted account but reinsertion where no new complaint from consumer has taken place. Congress has stated that FCRA is paramount to protecting consumer right to privacy and this reinsertion is a clear statutory violation which would include punitive damages where consumer rights have been blatantly violated f legal action is pursued. XXXX XXXX XXXX acct XXXX XXXX XXXX must be deleted as soon as possible to prevent additional financial damages.

Thus, this account reporting is in violation of my rights under FCRA 15 USC 6802. Consumer never gave consent for non-affiliated third party ( EQUIFAX ) to report consumer 's non public information. Thus, for this non public information to be appearing on consumer credit report must be the result of Identity Theft which is why consumer filed FTC Identity Theft Criminal Complaint XXXX XXXXXXXX ( FTC ID Report attached ) as proof from US Federal Trade Commission that all of the aforementioned consumer credit accounts. 

Equifax used more than the 30 days to conduct investigation under FCRA and reinsertion would be additional violation of consumer rights under FCRA.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The XXXX XXXX XXXX account had been charged off, and the vehicle has been returned to XXXX XXXX XXXX. There appears to be an increased amount added to my charged off auto loan in the amount of {$770.00}. How can my account accrue charges if its charged off and closed? I want this item removed from my credit reports. And I will continue to dispute this being added after the vehicle had been returned to XXXX XXXX XXXX and the vehicle is charged off. Im a XXXX military Veteran on a fixed income and do not need the extra burden that having this added to my account is causing. Im also an employee at the Veteran Affairs Hospital in XXXX Texas, on a limited schedule, and I am exposed to patients with Covid-19 on a daily basis. This is an unnecessary burden affecting my credit as if I didnt already have enough to worry about, having almost been evicted and facing homelessness in the wake of this pandemic affecting lives across the globe. They have their car, so I want my credit reports corrected.
Consumer complaint received 2020-04-22
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. (NY)

I am a victum of ID Theft. I have been working with the 3 Burials. Only XXXX has corrected my profile and removed the fraudulent accounts open bay the thieves. 

I was informed by XXXX  and Experian that any and all corrections / removals to my credit profiles was at the of the creditors regardless that the XXXX deceives and police found that the account where indeed fraud and that ID Theft is in fact case in connection with my profile/ss #. 

Im on the verge of losing my business due to this fraud. My company was closed by NY state due to Corona  and SBA has denied my loan because of the fraud making my scores low. 

Experian and XXXX  are not following the law.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I am filing this complaint to demand immediate action regarding the extensive and ongoing inaccuracies on my XXXX XXXX account ( # XXXX ) as reported by XXXX , XXXX, and Equifax . Despite my repeated efforts to dispute and resolve these errors directly with each bureau, they continue to report inaccurate and conflicting information in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Account Details and Reporting Inaccuracies : Account Number : XXXX Original Creditor : XXXX XXXX Balance Owed : {$410.00} Creditor Type : Utilities/Wireless Telephone Service Date Opened XXXX XX/XX/XXXXXXXX  Payment Status : Closed / Collection account / Seriously past due date Dispute Status : " Not disputed '' on XXXX and Equifax , despite multiple formal disputes. 
Key Inaccuracies Across Bureaus : Inconsistent Date of Last Activity : XXXX and Equifax list the last activity date as XX/XX/XXXX, while XXXX records it as XX/XX/XXXX, resulting in an inconsistency that must be resolved. 
Conflicting Closed Dates : XXXX and Equifax show the closing date as XX/XX/XXXX, while XXXX lists it as XX/XX/XXXX. This discrepancy in such a key detail makes the reporting unreliable. 
Contradictory Payment History : XXXX shows this account as Charge-Off ( CO ) from XXXX to XX/XX/XXXX, while Equifax reflects on-time ( " OK '' ) payments in the same periods. This misalignment conflicts with the FCRAs requirement for accuracy. 
Incorrect Dispute Status : Despite my documented disputes, XXXX and Equifax still list this account as " not disputed, '' violating my rights under FCRA Section 611 ( 15 U.S.C. 1681i ) for disputed information to be investigated and corrected. 
Incomplete Payment History Reporting by XXXX : XXXX does not provide any payment history for this account, creating an incomplete and misleading profile that fails FCRAs standards for accurate and complete reporting. 
FCRA Violations and Legal Consequences : The FCRA mandates clear, accurate, and verifiable information. These credit bureaus actions are in clear violation of : FCRA Section 611 ( 15 U.S.C. 1681i ) : Failure to correct or delete inaccurate or unverifiable information after a dispute.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to use reasonable procedures to ensure maximum accuracy.

FCRA Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) : Allowing consumers to seek damages for willful or negligent non-compliance.

Intent to Pursue Legal Action : If these inaccuracies are not removed within 15 days, I will file a lawsuit under the FCRA for damages resulting from willful and negligent non-compliance by the credit bureaus. 

Attached are copies of my recent credit reports from XXXX, XXXX, and Equifax, as well as records of my previous disputes. I trust that the CFPB will take swift action to ensure compliance with FCRA standards and protect my rights as a consumer.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I CONTACTED THE BANKRUPTCY COURT AND THEY STATED THEY DO NOT REPORT TO THE CREDIT BUREAUS. AND THE INFORMATION IS STILL REPORTING ON MY CREDIT REPORT
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

On XX/XX/2020, I closed on a refinance of my existing mortgage. The previous mortgage company is PHH Mortgage Services, XXXX. XXXX XXXX, XXXX. XXXX, NJ XXXX. On or around XX/XX/2020, I received a check from PHH for the escrow balance of {$2200.00}. When I tried to deposit the check in my account, the teller told me I couldn't because my deceased husband 's name was included with mine in the 'Pay to the Order of ' section. I contacted PHH and followed their instructions for getting a check for deposit that had only my name on it. On XXXX XXXX, I sent the Research Department a death certificate and an explanation of the problem as per their instructions. On XX/XX/XXXX I received a letter from PHH saying they received my request and had updated my loan information. A letter dated XX/XX/XXXX from PHH arrived stating again that they removed XXXX 's name and that they issued a check on the XXXX. A check arrived dated the XXXX which still had XXXX 's name on it so I could not deposit it. I called PHH right away and explained the situation. From mid XXXX until now I have talked to PHH representatives at least a dozen times and am always told that all they can do is enter in my comments and their request for a check to be issued to me in my name only. The support people say that neither they or I can contact the Research Department directly. My demands for resolution were placed in the hands of a " escalation team ' member who calls me weekly to tell that the issue is under review. Her number is XXXX ext XXXX.
Consumer complaint received 2019-01-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (MO)

Victimized by predatory lending when purchased used car. My credit score was not even that low to merit a sub prime lender. The lender immediately started imputing fees and I got further and further behind. They called 10-20 times a day, seven days a week and when I asked them to stop but rather put it in writing they said I had a cease and desist order, of which I never did. They said I missed two payments ( $ XXXX/mo ) in the life of the loan and on XX/XX/XXXX they repossessed my car. I purchased the car XX/XX/XXXX for {$12000.00} and to date have paid more than {$10000.00}. According to the lender, because of the " simple interest loan '' and my outrageous APR ( 25 % ) I still owe them {$11000.00} and now my credit is ruined and I have no car. HELP PLEASE!
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2020-04-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (NC)

Myself and spouse visited XXXX XXXX XXXX XXXX, RI ( now XXXX XXXX  XXXX, RI ) on XX/XX/XXXX. A colleague at work referred me and I did not think of checking with my insurance since we work with the same company ( my mistake ). However, on getting to the dental clinic, I specifically asked if they were in my insurance network, provided them with my dental insurance card and they guaranteed they are. Well, few weeks later, I received a bill from my insurance & from the dental office stating our ( myself and spouse ) cleaning was not covered because the doctor was not in the network. 

I went to the dental clinic and they refused to cut down the bill but agreed to set up payment plan at the time, I could only afford {$5.00} a month which they agreed to. I have since then been paying city dental on the amount we agreed to. My total bill was {$610.00}, I have paid {$430.00}. now they are claiming I owe {$1300.00} because they've been charging me {$8.00} late fee. This was never communicated with me. They later sold the account to a collection agency called Capital Accounts who placed it on my credit report, called them in XXXX to fix and the company was very abusive and called me names. I later called XXXX in XXXX and XXXX took it off my credit history. 

This year XXXX, capital account reported again to XXXX, I contacted XXXX gave them payment history ( uploaded documents, supporting documents ) and they refused to take it off my credit. 

All through this time, I have called XXXX XXXX, they claimed they do not have any debt detail/medical record on me, they claimed they have no record of my payment at all while someone has been cashing my check ( called my bank and confirmed with my bank that all checks are cashed under the name of XXXX XXXX ). called capital account who refused to give me original bill and refused to settle. The {$610.00} bill was later located by my insurance. I have emailed capital account with all payment details and bill, informed them that I am willing to pay the balance of {$180.00} but I do not owe them {$1300.00} and they need to take it off my credit report. 
I have never had anything on collection, especially medical bill, I always pay medical bill but this particular company lied to me when I specifically asked them ( learned never to believe companies, now I check with my insurance company 1st ), they have been cashing my checks, have me in collections and now claim I owe them {$1300.00} from initial bill of {$610.00}. 

Please help me, save me from a deceptive company XXXX XXXX formerly known as XXXX XXXX XXXX RI. They are preying on the weak and poor, want to ruin my credit after working hard to build it and XXXX that tossed out payment history docs for companies like capital accounts.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XX/XX/2020, I reached out to Experian and spoke with XXXX with the XXXX team ; she refuses to provide her last name or employee ID number. The reason for the call today, I requested to remove the fraud alert from my credit file. About an hour later, I noticed Experian decrease my XXXX score by XXXX points, and on the side of my score. I noticed a message to learn more about Fico score 8. I have attached the message for Cfpb to review, and long with decrease notifications. Also, on XX/XX/2020, Fico score decrease by XXXX points, and on XX/XX/2020, Fico score decrease by XXXX point ; within 13 days, Fico score decrease by XXXX points with no explanation explaining the reason for the decrease to XXXX score. Also, since XX/XX/2020, I had numerous accounts remove from my credit report please see below for account. 

XXXX XXXX XXXX remove XXXX XXXX  update reporting on a secure account Medical- XXXX XXXX remove XXXX XXXX XXXX remove XXXX XXXX current collection ; this account is not a current collection this is. 
XXXX XXXX XXXX remove XXXX XXXX remove XXXX remove I notice once the above accounts removed from my Experian report, the payment history did not recalculate. My Experian report shows an 85 % payment history late. I am requesting for Experian to update my file.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was completely shocked when I saw inaccurate accounts on my credit report this morning, with no clue why they appeared. I check my report regularly, but this time, there were sudden discrepancies. I even refreshed my browser, hoping it was a glitch, but nothing changed. The errors stayed, and now Im asking for my documents to be thoroughly reviewed so I dont have to deal with this stress ever again.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

The Santander Consumer USA account had been charged off, and the vehicle has been returned to Santander Consumer USA. There appears to be an increased amount added to my charged off auto loan in the amount of {$770.00}. How can my account accrue charges if its charged off and closed? I want this item removed from my credit reports. And I will continue to dispute this being added after the vehicle had been returned to Santander Consumer USA and the vehicle is charged off. Im a XXXX military Veteran on a fixed income and do not need the extra burden that having this added to my account is causing. Im also an employee at the Veteran Affairs Hospital in XXXX Texas, on a limited schedule, and I am exposed to patients with Covid-19 on a daily basis. This is an unnecessary burden affecting my credit as if I didnt already have enough to worry about, having almost been evicted and facing homelessness in the wake of this pandemic affecting lives across the globe. They have their car, so I want my credit reports corrected.