davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

TO SPECIALIZED LOAN SERVICING, AFTER MANY ATTEMPTS TO GET YOUR SUPPORT, WE WERE MET WITH DISRESPECT, AVOIDANCE OF THE CRITICAL ISSUES WE BROUGHT TO YOUR ATTENTION AND RESPONSES NOT RELATING TO THE REQUESTS THAT WE MADE. THERE IS NO DOUBT YOU HAVE AVOIDED THESE ISSUES. WE ARE FACED WITH PROTECTING OURSELVES AND OUR FAMILY AFTER DISCOVERING WHAT REALLY HAS TAKEN PLACE. 

SEE ATTACHMENT ENCLOSED!
Consumer complaint received 2017-12-19
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: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX is reporting hard inquiries on XX/XX/XXXX and XX/XX/XXXX of XX/XX/XXXX I never applied for these loans
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I called Transunion on XX/XX/XXXX at XXXX to dispute XXXX hard inquiries that were removed summer XX/XX/XXXXand early XX/XX/XXXX due to a glitch in their system. Transunion illegally re-added them back because I never received written notice 5 days before Transunion reinserted them. Although Transunion acknowledge it was a glitch, the Rep XXXX only agreed to deleted the XX/XX/XXXX XXXX XXXX Inquiry.
Consumer complaint received 2017-12-19
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. (TX)

I disputed XXXX XXXX XXXX XXXX who is on my credit report as being negative. 

I have no recollection of opening a recent account with XXXX as I already have XXXX and sent Equifax a copy of my chat transcript of the XXXX representative stating that Ive been with them for several years ( I have attached the chat transcript to this message ) I asked Equifax to let me know where the account was open and if the business had a copy of the ID that was used to open The account. 

Equifax came back with the following response : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

Nothing else can be seen other than it is still on my credit report! 

I have the right to know how the info has been verified as accurate!! 

The canned response received is not acceptable!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with TRANSUNION 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 ( MONTHS REPORTING LATE ) 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.

TRANSUNION 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 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NC)

Equifax inadequately protected my personal information, including social security number, and allowed the information to be compromised and accessed by unauthorized people ( hackers ). This data breach was announced on XXXX XXXX, 2017 but happened earlier in the year but was not immediately disclosed by Equifax.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I placed a credit freeze on my Equifax account on XXXX XXXX, 2017 because of their recent data breach. I noticed the 10-digit PIN they gave me is NON-RANDOM and is a timestamp of the form MMDDYYHHMM and verified this both because we froze several credit accounts in our household and saw the pattern AND this is widely reported in Blogs on the internet. Given the large number of recent freezes, any half-capable hacker can have a computer algorithm " guess '' the PIN in a second or less, unfreeze my credit and open a fraudulent account.
When I called Equifax to ask them about this : I talked to both a front line rep and a manager. Both at first insisted the PINS were " random. '' I explained to them about the date and time stamp and they still insisted they were random. Next I asked if I could change the PIN to one of my choosing. No that is not possible. Lastly, they both said, if I did a temporary lift, and replace, a new PIN would be generated. I asked if it would simply be a later timestamp or truly random and they did not know, but I suspect it would simply be a later timestamp so I did not do it. The manager offered to waive the fee, but I got the impression if I did a temporary lift-replace online I would have to pay for it and I would still get a timestamp PIN. I explained to the manager that these PINS are in no way random and are a big security risk, and that she should really really report it up the line, but she clearly is overwhelmed so I have no hope that anything will be done at Equifax about it. Clearly even the manager is completely uneducated about how the PINs are generated.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2017-09-10
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: EQUIFAX, INC. (CA)

Equifax data breach. Millions of American 's personal information was compromised, and I 'm one of them. In addition to Eqifax 's security measures being not-good-enough, they waited FAR too long to notify consumers, which prevented us from taking timely-enough steps to protect our own credit. 

Add in the facts that top Equifax executives dumped a lot of stock in the company before making this news public, and that the resolution steps Equifax is currently offering their effective consumers require those effective consumers to agree to NOT participate in any class-action lawsuit in order to use Equifax 's provided resolution steps, and the whole thing is unacceptable to consumers.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX  Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XXXX XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX NOT MORE UPDATES, REMOVE LATE PAYMENTS OR REMOVE THE ACCOUNT
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (UT)

Consumer credit reporting company XXXX has unduly rigid requirements for requesting either a credit report or credit freeze. They insist on being provided via mail, copies of identification documents such as driver 's license, passport picture page or social security card before taking action on the consumers request. The big three reporting agencies all use alternative verification methods that do not require release of additional information by the consumer.
See : XXXX XXXX XXXX
Consumer complaint received 2017-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (MI)

A foreclosure notice, was mailed to me at XXXX XXXX XXXX, XXXX, Michigan ( MI ) XXXX, for XXXX XXXX XXXX XXXX, XXXX XXXX, Colorado ( CO ) XXXX. 

My name, is on the deed, of XXXX XXXX XXXX XXXX, XXXX XXXX, Colorado ( CO ) XXXX. 

Could you, please tell me, how much needs to be paid, for missed mortgage payments, so that this aforementioned property, could be saved from foreclosure? 

Could you, please mail me a mortgage bill each month? 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The account stating on my transunion as XXXX XXXX XXXX XXXX and experian as XXXX for {$4900.00} and an account from. XXXX XXXX saying XX/XX/year> I have asked multiple times for verification of accuracy of these accounts and nothing has been done yet and it is having a very negative impact on my life I demand this be removed pursuant to my rights under FCRA
Consumer complaint received 2024-10-11
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)

I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I AM LIVID WITH EQUIFAX AND XXXX XXXX. I HAVE BEEN TRYING TO UNLOCK MY CREDIT REPORT SINCE SATURDAY XX/XX/2017. FIRST I TRIED TO UNLOCK MY CREDIT REPORT ON XXXX 'S WEBSITE, BECAUSE I HAVE SOME URGENT BUSINESS TO TAKE CARE OF. THE REQUEST CAME BACK ADVISING THAT MY REQUEST FAILED AND TO CONTACT CUSTOMER SERVICE. WELL I HAVE BEEN TRYING TO GET MY CREDIT REPORT UNLOCKED. THIS HAVE BEEN A TOTAL NIGHTMARE AND I CAN NOT GET ANYONE AT XXXX AND EQUIFAX TO GET ON THE SAME PAGE!!!!!! THEY ARE NOT WILLING TO TALK WITH EACH OTHER TO FIGURE OUT A RESOLUTION. THEY WANTED US TO SIGN UP FOR THIS PRODUCT, BUT IT 'S NOT WORKING AS PROMISED. I SHOULD BE ABLE TO GO ON THE WEBSITE AND REQUEST TO LOCK AND UNLOCK MY CREDIT FILE WHENEVER I HAVE PERSONAL BUSINESS TO ATTEND TO. I HAVE LITERALLY BEEN ON THE PHONE ALL DAY!!!! CALLING BOTH COMPANIES JUST TO BE PASSED AROUND. YOU CAN NOT EVEN CANCEL THE XXXX XXXX SERVICE ONLINE. I WAS ADVISED TO CALL EQUIFAX WHO THEN KEPT TRANSFERRING ME TO XXXX XXXX. ITS LIKE THE RIGHT HAND DOES NOT KNOW WHAT THE LEFT HAND IS DOING. THIS IS A HOT MESS!!!! I CAN NOT CONDUCT MY PERSONAL BUSINESS BECAUSE OF THESE COMPANIES AND THEIR SYSTEM FAILURES.!!!! I WANT THIS SERVICE CANCELLED IMMEDIATELY!!!
Consumer complaint received 2024-10-11
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. (FL)

RE : XXXX  Block Request I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that tXXXX 

This is fraud as a result of XXXX XXXX 

XXXX Accounts : XXXX. XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Inquires : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 Factual Data Consumer Assistance XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Factual Data Consumer Assistance XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-12-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Sokaogon Finance, Inc. (NV)

XXXX/XXXX/XXXX {$58.00} XXXX/XXXX/XXXX {$90.00} XXXX/XXXX/XXXX {$90.00} XXXX/XXXX/XXXX {$290.00} I initially applied for payday loan with the understanding that I would be charged small bi-week interest rate until I payoff the full amount. Apparently, I was NOT! AWARE! of the small fine print that the company was charging 400 % more than what I was charged. This company refused to to accept that fact they mislead me with their fees and interest and all they said was it was my fault because I didnt read the contract.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or around XX/XX/XXXX " BK OF AMER '' doing business as Bank Of America with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX, TX XXXX requested an unauthorized copy of my credit report from XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) On or around XX/XX/XXXX " XXXX XXXX XXXX '' with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX requested an unauthorized copy of my credit report from XXXX On or aroundXX/XX/XXXX " XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX '' doing business as XXXX with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX PA XXXX requested an unauthorized copy of my credit report from XXXX and XXXX On or around XX/XX/XXXX " XXXX/XXXX  '' doing business as XXXX requested an unauthorized copy of my credit report from XXXX, XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX DE XXXX requested an unauthorized copy of my credit report from XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX requested an unauthorized copy of my credit report from XXXX On or around XXXX " XXXX '' doing business as XXXX XXXX XXXX  with a corporate address of XXXX XXXX XXXX XXXX XXXX FL XXXX requested an unauthorized copy of my credit report from XXXX, XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX XXXX ( XXXX XXXX ) requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX, XXXX '' doing business as XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX IA XXXX requested an authorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX On or around XX/XX/XXXX XXXX XXXX XXXX with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX '' doing business as XXXX with a corporate mailing address XXXX XXXX XXXX XXXX , PA XXXX requested an unauthorized copy of my credit report from XXXX , XXXX AND XXXX
Consumer complaint received 2017-12-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

PLEASE EXCUSE THE CAPS MY VISION IS POOR. BETWEEN THE MONTHE OF XX/XX/XXXX-XX/XX/XXXX. I RECIEVED A FORM FROM THE IRS STATION THAT I HAD TO FILE A CANCELLATION OF DEBT WITH THE CREDITOR. THE FORM WAS FILED, A XXXX FORM, BY XXXX XXXX FOR ME. WHEN THE EXAMINER COMPLETED THE FORM, THE CREDITOR OWED ME XXXX OUT OF THE REMAINING BALANCE. A CHECK OF XXXX WAS SENT TO ME FROM THE IRS, 6 TO 8 WEEKS AFTER THE FILING OF THE XXXX. THE AMOUNT CANCELLED WAS THE AMOUNT THAT IS SHOWN ON MY CREDIT REPORT. I FILED A DISPUTE WITH XXXX, AND INSTEAD OF THE PROBLEM BEING CORRECTED, ANOTHER BALANCE WAS ADDED AND MY SCORE WENT DOWN. FORM THE SAME CREDITOR!. SO NOW I THINK I AM EXPERIENCEING SOME SORT OF FRAUD, OR AN ATTEMPT TO DEFRAUD ME ON MY REPORT, BY ADDING ANOTHE BALANCE AND DROPPING MY SCORE DOWN. THE CREDITOR SHOULD HAVE PROVIDED THE INFO ON THE CANCELLATION OF DEBT SINCE THE DECISION WAS MADE BY THEM. I DID NOT RECIEVE AN EXPLANATION I JUST DID WHAT THE IRS SAID DO.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: KEYCORP (UT)

Key Bank has recent late payments reporting on my credit report and I have never been late. I have attached enough information to prove they are in error. They have adjusted so many fees and " supposedly '' fixed my account so many times that I gave up using them. I paid my account off and took all my other money out and closed all my accounts with them. You can see how they kept adjusting fees but the account still continued to show past due amounts growing larger and larger which is crazy because I was never late! 
I have contacted my attorney and the next correspondence will be from him.