davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company (FL)

Freedom Mortgage sent me a letter dated XX/XX/XXXX notifying me that due to flood map revision 's issued by FEMA that my property is now located in a Special Flood Hazard Area. The letter stated they must receive proof of sufficient flood coverage within 45 days of this letter. I purchased Flood insurance XX/XX/scrub>/2024. My agent sent a copy of the policy to Freedom Mortgage that day. I even contacted the XXXX to make sure they received it which they did. I later find out that Freedom Mortgage ended up purchasing a special hazard policy that started on XXXX XXXX XXXX in the amount of {$420.00}. I contacted them several times by phone to try to get this charge removed explaining to them that I did everything there letter stated and purchased a policy within the 45 day period. I explained to them that they are violating the Code of Federal Regulation that gives me 45 days after notification to purchase insurance and they still refused to remove the charge.
Consumer complaint received 2024-10-09
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: Experian Information Solutions Inc. (LA)

Upon reviewing my credit report, I found information that is inaccurate, and I believe it is in breach of 15 USC 16c-2. This error is damaging my credit, and I did not authorize the listed inquiries.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

XXXX, XXXX and Equifax has failed to updated my credit report and hold creditors responsible for false information. I did not give them permission to sell my information to a collection agency. They did not contact on any of the delinquency.
Consumer complaint received 2018-06-07
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. (FL)

XXXX was contacted through the CFPB to show this account as closed. According to their response, they have notified Transunion, XXXX, and XXXX  that this account has been paid in full and should be reported as closed no longer showing a derogatory account on my credit report. Please correct this and show as a closed account and no longer a derogatory account.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/year> Subject : Request for Removal of Late Payment Record Dear XXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/year> does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Timely Payments : I have consistently made on-time payments throughout the life of the loan, and I have documentation that supports this. The late payment reported for XX/XX/year> does not align with my payment history, which indicates no missed or late payments prior to this instance. 
Payment Processing Delay : The payment for XX/XX/year> was submitted within the required timeframe, but there may have been an internal delay in processing, leading to the incorrect reporting of a late payment. 
Dispute Already Filed : I had previously filed a dispute regarding this issue, which was marked as resolved. However, the inaccurate late payment entry remains on my credit report, which has negatively impacted my credit score. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Whom It May Concern : 1 ) Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX ) Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX ) I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$7600.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX ) This collection account I have no knowledge of and is showing on my credit report still. The collection company stated they SOLD THE DEBT TO XXXX XXXX XXXX. and no longer responsible, yet its still reporting on my credit. PLEASE KINDLY REMOVE THIS COLLECTION FROM MY CREDIT REPORT AS SOON AS POSSIBLE. 

Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
https : XXXX
Consumer complaint received 2018-06-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (SC)

My home was foreclosed on in XX/XX/2011 with XXXX XXXX XXXX having first mortgage and they also had a second. 
The foreclosure was a non judgement and the second was sold off to Real Time Resolutions, amount owed XXXX. I have verbally warned them for years do not contact me pursuit to section 805 of the FTC collection act via telephone however I will correspond via mail. However, they continue to call. Everytime I get a new number, or at mothers land line, they call. And I tell them again.or sign up for the DNC registry. Today they called three times in a row after I warned them. They have threatened me with garnishments, all types of ways to scare me into paying this debt. I am on XXXX  XXXX with zero assets. I have had enough of their calls and flagrant disregard for my FTC warning. XXXX XXXX is the other that also calls without regard to my FTC warning. They are from overseas and call without care or regard. I want this to stop.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, equifax, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

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

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

I demand the late payment reported in 60 days 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 21 days before the payment due date.

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-10-28
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. (IL)

I am asking for your help regarding an incorrect account being listed on my credit report, which has affected my reputation as a customer. These accounts should be removed, as they have been reported inaccurately and negatively.
Consumer complaint received 2024-10-09
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. (SC)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Well from my understandings I am allowed to requests all names with the exemption of the name XXXX XXXX XXXX. I have never gone by any other name, so I need all other names with the exception of the name listed above should be reported as mine. This is in accurate and needs to be removed immediately. Also child services is reporting inaccurate information. That needs to be removed. These XXXX issues fall. Under the following information and leaves the reporting Companys responsible for paying reparations. 
Suing for damages after an FCRA violation From a legal perspective, damages refer to reparations that a person seeks when theyve been negatively affected by another party. If an FCRA violation by another party results in lost funds or harm to your reputation, you can seek damages in court. 

Once youve identified that the Fair Credit Reporting Act has been violated by a CRA or another credit entity, youre able to sue that entity in court for XXXX of XXXX types of damages : willful or negligent violation. 

Willful violation A willful violation means you can prove that the CRA or XXXX XXXX acted recklessly with your information and didnt respect their obligations, both to the FCRA and your protected rights under the FCRA XXXX 

This doesnt mean you and your attorney have to prove beyond a reasonable doubt that the entity intentionally violated your rights just that they did so in the first place and that they should have known to not do so. 

If you can prove this in court, you XXXX be able to recover the following damages : Basic damages : Provable damages with no set limit, or Statutory damages between {$XXXX} and {$XXXX} Punitive damages as decided by the court Attorney fees and costs Damages from an individual violator who lied or used your credit report for an improper purpose :
Consumer complaint received 2024-10-09
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-29
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. (PA)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Consumer complaint received 2024-10-08
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. (NJ)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX, Account name : XXXX CARD # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is furnishing inaccurate, unauthorized, fraudulent information on my credit file. There are XXXX hard inquiries reporting on my file from " XXXX  XXXX XXXX '' on XX/XX/year> and XX/XX/year>. Neither of these inquiries were authorized by me. These inquiries are fraud. Someone has been applying for accounts using my information. I informed Transunion that the information they are furnishing is fraud, and they refuse to offer any solution. I asked directly how we can resolve this matter and they refused to offer any solution. I have already filed a CFPB complaint about this matter and have received no help or remedy. I spent an entire day calling Transunion and speaking to several representatives, all of whom denied the opportunity to help me fix this situation. They just kept sending me back to a chat room, which told me to call a number, which sent me back to a chat room in an infinite loop. 
The Transunion agent agreed in writing that Transunion is committed to honoring the FCRA, however they are not. I never authorized either of these hard inquiries to be initiated or reported. The reporting of these inquiries on my credit file is both unfair and inaccurate. I asked in writing for Transunion to provide any proof that I authorized these inquiries and they were unable to provide any proof. I am uploading pictures of the conversation where the agent diverted the conversation in a different direction and ignored my request for information. When I asked him directly how we can resolve this matter, he said " I am sorry no options over here ''. This information is severely harming my personal reputation and needs to be removed immediately. I am filing this report because I have already attempted to fix this directly with the company, yet they refuse to help or comply with the law.
Consumer complaint received 2024-10-09
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. (GA)

A letter was sent to XXXX in regards to a bankruptcy that is being reported on my credit reports ; Experian, XXXX, XXXX and XXXX every month this year ( XXXX  ) stating that they didn't have my consent to report the bankruptcy. I received a letter from the XXXX XXXX Court and they stated that they didn't provide the bankruptcy information to ANY of the credit agencies. This should be removed as they didn't have my consent or the Bankruptcy Court to report this on their credit reporting platforms.
Consumer complaint received 2024-10-08
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. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$780.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-08
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (NJ)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2018-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

ProCollect sent documentation claiming a debt was owed to a previous apartment community in which I resided. The claim states the debt is owed due to insufficient notice, resulting in liquidated damages of {$1300.00}. However, an addendum to the lease agreement provided two options and the option executed explicitly states that I do not agree to pay liquidated damages. " Lease to '' date of XX/XX/2017 and " move out '' date of XX/XX/2017 showcase that I in fact did not terminate the lease early, nor stay beyond the " lease to '' date. Thus, no debt is owed to this organization. I have provided copies of all documentation to ProCollect, as well as written a letter clearly articulating the above with specific reference to sections within the lease agreement, ledger, notice to impose a claim, and addendum.