davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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. (MD)

I am writing to express my serious concern about the disputed accounts on my credit report. I have repeatedly highlighted the inaccuracies in these accounts and requested a thorough investigation, but despite my efforts, the issue remains unresolved. These incorrect entries are significantly damaging my credit file and severely affecting my ability to maintain a normal life. The hardships caused by these errors are immense, and I am left with no option but to seek your urgent help in resolving this matter. 

I kindly ask that you conduct a comprehensive investigation into each of these disputed accounts and take the necessary steps to update and correct my credit report without further delay. Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial well-being. I sincerely urge you to treat this matter with the utmost importance and take swift action. 

Your prompt attention and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful
non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.

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 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 by 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-09-21
Product: Credit reporting 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. (WA)

I disputed about XXXX addresses with experian and the same day they contacted me saying they removed addresses that was never on my credit report and the ones I asked To be removed are still there. 
They keep putting false addresses with my name and taking other false addresses that was never on my report and they said report was Done by XXXX XXXX Address to be removed address # # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX I said instead they produced addresses I never inquired about and said they removed the addresses above when in fact they ignored my request and responded with bogus addresses
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

The attached referenced information has violated my consumer rights by reporting a bankruptcy which is not a collection therefore this a violation of my consumer rights. I have also advised of a cease and desist.. Under the fcra laws 15 usc 1681 ( c2 ) and 15 usc 1681 ( a4 ). I am demanding that this information be removed from my credit report immediately.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This complaint is about online access and security. 
For online access the bank is implementing additional security steps, but what they do makes an identity theft easier. 
For example : the bank has my cellular phone and e-mail, however for the verification purposes they ask for e-mail account to send the link to. This makes it easier for a potential identity and money theft. 
An imposter can simply redirect to his e-mail account or phone. 
I discussed that with the customer service supervisor, but they can't change the official procedure. 
Some of their " verification '' procedure are simply waste of time without creating any additional level of protection. Example : I was directed to open a bowser page and type the code that customer service dictated to me followed by the info I already provided in order to speak to the customer service. 
The incompetence of their security department is shocking, and it is just a matter of time until the vulnerability is exploited by someone.
Consumer complaint received 2024-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

XXXX and XXXX failed to investigate errors on my credit report. Capital One Bank has reported a failed late payments on my credit report. Capital has refused to update my payment history correctly as paid in full I have sent in many documents showing how Capital One Bank has been reporting incomplete information on XXXX in the payment history they failed to report on time payments. XXXX and XXXX has different payments dates reporting. 

This is my late warning be I sue them. I spoke with my lawyer, my lawyer 's documents will reach Capital and the credit reporting agencies immediately concerning this issues. All previous documents will be in the attachments.
Consumer complaint received 2024-08-21
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. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MO)

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 
MIDLAND CREDIT MANAGEMEN Last reported XX/XX/XXXX {$410.00} Open balance MIDLAND CREDIT MANAGEMEN Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name MIDLAND CREDIT MANAGEMEN
Consumer complaint received 2024-08-22
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. (PA)

Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report maintained by your bureau. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I request an investigation into the following item ( s ) : Account Information : Creditor Name : XXXX Account Number : XXXX Description of Inaccuracy : I dont owe XXXX no money I never had their service Explanation of Dispute : Fraudlent activity discovered on my account.Somebody used my information to start a XXXX account Request for Correction : I request that the inaccurate information be promptly corrected or deleted from my credit report, as it is affecting my ability to obtain credit on fair terms. 
Enclosed are copies of relevant documents supporting my dispute, including [ list any supporting documents such as billing statements, correspondence, etc. ].
Consumer complaint received 2024-09-21
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. (IL)

I submitted a complaint to experian requesting inaccurate information on my account be removed. They responded that no action was needed because of the information provided was correct. As a consumer I have the right to fair and accurate credit reporting because all banking systems are dependent upon the accuracy. XXXX is violating my rights to such and also violating my rights to privacy by reporting false and fictitious information on my credit report.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH capital one 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. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Never XXXXent 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 8
Consumer complaint received 2024-09-21
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: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-21
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. (MI)

I submitted a request for XXXX XXXX suppression under Section 605C Trafficking Block Request. I need to move immediately and they are not helping me because they say I have to submit online. When I try, their site won't allow me to do the submission.
Consumer complaint received 2024-08-21
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. (NY)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

The credit bureaus are all reporting different inaccurate information that is hurting my credit report. There are several companies that are reporting a profit and loss write off but still reporting a balance. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. 
On all the accounts listed there are several things inaccurate : Last activity date, Charged off with a balance and the payment history is wrong showing I have a new charge off versus the correct date he accounts were charged off.
Consumer complaint received 2024-08-21
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. (NY)

I am writing to bring to your attention an issue I recently discovered on my credit report that I believe requires correction. Upon reviewing my report, I noticed that an account is showing XXXX late payments that I believe were reported in error. 

Maintaining a strong and accurate credit history is extremely important to me, as I understand the significant role it plays in financial health and future opportunities. I take great care to ensure that all my financial obligations are met on time, and I was quite surprised to see these late payments reflected on my account. 

I have attached a copy of my report highlighting the specific entries in question, with the dates of the alleged late payments noted ( XX/XX/year> payment XXXX XXXX ; XX/XX/year> payment {$68.00} ). I would like to respectfully request that you investigate this matter further. Based on my records, these payments were made on time, and I kindly ask that you update my account to reflect this. 

I sincerely appreciate your understanding and the prompt action I trust you will take to correct this issue. It is my hope that this matter can be resolved swiftly, ensuring that my credit report accurately reflects my financial responsibility. 

Thank you very much for your attention to this important matter. Please feel free to reach out if any additional information is required to facilitate the investigation.
Consumer complaint received 2024-09-21
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: Experian Information Solutions Inc. (VT)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

I sold a price of property I owned in XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX with Fayfinancial which I sold three years ago which is still on my experience credit report as an open loan. I need it removed from that credit report and others.
Consumer complaint received 2023-02-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

I attempted to make 2 payments on or about the XXXX of XX/XX/XXXX. I was advised by my signal point of contact to do a modification, and we agreed to work getting documents together while loan modification package was being generated. 
i did not received the modification package so i called back and they sent it by email XXXX XXXX I then emailed part of the documents XXXX and the remaining documents XXXX. 

i was told i was already approve for the loan mod i only needed to send page 3 of the work packages. They were in continuous conversations we me about the loan modification in spike of THE FEDERAL LAWS against Dual Tracking they place my home in foreclosure .My home is worth {$30000.00} and i only owed XXXX, the unlawfully foreclosed on my home while leading me to believe they were help me with a modification bur instead they created a fraudulent assignment with robo signed denouements. XXXX XXXX of Delaware HAS NO STANDING TO HAVE FORECLOSED ON MY PROPERTY but Shellpoint violated federal law the CFPB which the XXXX XXXX XXXX XXXX XXXX and CONSUMER PROCTION ACT OF 2010 ( DUAL TRACKING I ALSO RECEIVED ANOTHER EMAIL AFTER THEY SOLD MY HOUSE ASKING FOR MORE DOCUMENTS. TO COMPLETE THE LOAN MODIFICATION