davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
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 formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion Personal Information : XXXX : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous XXXX XXXX es ) : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous XXXX XXXX es ) : XXXX XXXX AV XXXX, XXXX XXXXXXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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. (VA)

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 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with XXXX EXPERIAN XXXX 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. 


XXXX EXPERIAN XXXX 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 2024-09-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-18
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. (AZ)

Fraudulent accounts were open in my name without my consent or knowledge. I have filed a police report and filed a complaint of identity theft. 
For following accounts XXXX XXXX XXXX
Consumer complaint received 2020-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

A Cash App account was opened using my name, address and other identifying information. On XX/XX/2020 there were three ( 3 ) separate payments from my XXXX XXXX XXXX XXXX XXXX, to this fraudulent Cash App account in the amounts of {$19.00}, {$19.00}, and {$9.00} ( totaling {$49.00} ). I called my bank to flag these transactions as fraudulent. On XX/XX/2020 a Visa debit card for the Cash App account was shipped to my address. I have attempted to contact Cash App, and its ' affiliates, Square and XXXX XXXX, to inquire how I can close this account or flag it. None of these companies provide contact information to speak with a representative. The only way to contact is via your Cash App account ( which I do not have, one was opened fraudulently ) or via Social Media ( highly questionable ).
Consumer complaint received 2024-10-12
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. (FL)

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX XXXX  for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX. Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX  about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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. (NY)

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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-22
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. (MA)

This account was charged off on the following date ( XXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. a charged off account should NOT include an active payment history. this is inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated my rights. Iam demanding a deletion of the following account : XXXX
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

1 ) In approximately the fall of XX/XX/XXXX I moved from an apartment with internet serviced by XXXX to an apartment with a different ISP. XXXX did not turn off service at the old apartment in a timely way and billed me an additional {$53.00} for services I did not receive, in spite of their obligation to release me from the contract without a termination fee. 

2 ) I submitted a dispute to XXXX through XXXX on XX/XX/XXXX. I have not received any response to this in nearly two years. 

3 ) The collections debt has passed among collection companies who attempt to collect the debt, and then after I instruct them not to call me, they resell to another collection agency. These companies then report the supposed debt as a new collection account to the bureaus, which keeps the account fresh and more impactful in the determination of one 's credit score. This practice is clearly abusive and not in the spirit of the law. 

I believe the case above demonstrates a failure at all levels of the credit system we have in place, but primarily I wish to have the debt now held by AFNI , Inc. to be discharged and removed from my credit reports.
Consumer complaint received 2015-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX has a judgement that the date is not accurate. it says XXXX when the date is actually XXXX. I recently went to the court house to recieve this documention. I never did get served this judgement so I was never able to see the paper work for this judgement. In this loan i had cosigned with my ex for a XXXX and a XXXX. in the paperwork they have the original paperwork stating these XXXX vehicles which they combined into XXXX loan for us. Both of these vehicles were both repossesed. In the judgement it states that it sold the XXXX for {$8000.00} and put that amount towards the balance that I owed. But it doesnt state the XXXX nor how much they sold it for. And if they did sell it that balance never went to the balance that I owe. So the amount is not accurate. I re read it several times and the XXXX was never sold. so they took the XXXX and did whatever they wanted and got away with it.
Consumer complaint received 2024-10-18
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. (GA)

I am writing to dispute several inaccuracies on my TransUnion credit report concerning a bankruptcy and related negative item. The bankruptcy is a Chapter XXXX, but it is being reported inaccurately on my TransUnion report. Additionally, the notes and remarks on the negative item under this bankruptcy are incorrectly listed as a XXXX  XXXX, adding to the confusion. This discrepancy does not appear on my credit reports from XXXX or XXXX. 

The specific issues are as follows : XXXXXXXX XXXX XXXX XXXX bankruptcy itself is being reported inaccurately. 
XXXX. The remarks on related negative item incorrectly reflect the bankruptcy as XXXX XXXX, which is not accurate. 
XXXX. These inaccuracies are present only on my TransUnion report and do not appear on my XXXX or XXXX reports. 

XXXX XXXX XXXXXXXX Original filing date : XX/XX/year> Latest status date : XX/XX/year> Reference number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX These discrepancies are unfairly impacting my credit profile, and I request an immediate investigation into the bankruptcy and the related negative items. Please correct the inaccurate reporting of the Chapter XXXX bankruptcy and update the remarks on the negative items to reflect the correct information. 

To assist with your investigation, I have included : - A copy of my credit reports from all three bureaus ( TransUnion, XXXX, and XXXX ). 
- Proof of identity ( drivers license, Social Security card ) -Copy of a recent Bank XXXX as proof of address I kindly request that you update my credit report to reflect the correct information and confirm the removal or correction of the inaccurate details once your investigation is complete. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

We think our mortgage company is asking for too much escrow money. Our escrow balance is currently XXXX. They are increasing our monthly escrow payment to XXXX. Which means my escrow balance after my XX/XX/2017 payment will be {$2100.00}. My total taxes and insurance are XXXX. XXXX of that is {$920.00} per month ; however, the bank is asking for XXXX per month. After I make my XX/XX/XXXX payment my escrow balance will be XXXX so even at the inflated amount of XXXX per month they will have more than 2 months worth of escrow.
Consumer complaint received 2016-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AR Resources, Inc. (DC)

I got a credit report from XXXX while I was applying for a job with XXXX in XXXX, XXXX. The XXXX. sent a false report to XXXX causing me not to get hired. These are some of the problems with my credit reports : 1. AR Resources is a collection service that said I owed XXXX dollars to XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. When I called XXXX, I had a XXXX balance because XXXX has paid all of my bills. 
2. I never lived at XXXX, XXXX XXXX 3. I do n't know what these are because I never made or met these : XXXX and XXXX and XXXX Card.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Subject : Request for Removal of Late Payment Record. 

Dear XXXX XXXX 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 payment reported in XX/XX/XXXX and XX/XX/XXXX 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 FIRST XXXXXXXX XXXX and have made all my payments on time, except for this instance, which I believe may have been an error due to a delay in payment processing. Specifically, my payment was submitted, but it was processed 15 days later through no fault of my own. I have attached supporting documents that reflect the timing of my payment submission and the delay in processing. 

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 2024-10-18
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. (MD)

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 2015-04-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

A XXXX party authorization, signed by the homeowners is within the attached NOtice of Error. 
Ocwen has obtained forced placed homeowners insurance even though they have been shown repeatedly that the homeowners have compliant insurance in place. Worse, Ocwen is collecting escrow and PAID the premium on the homeowner chosen hazard insurance, which is proof they KNOW lender placed insurance is inappropriate. Payments for the homeowners ' chosen hazard coverage, and the lender placed insurance are both reflected on a single escrow statement. As noted in the NOE, the homeowner provided proof of insurance coverage in XXXX or early XX/XX/XXXX, I faxed proof again in XX/XX/XXXX. Nevertheless, in XX/XX/XXXX, Ocwen obtained lender placed insurance. 
A Notice of Error has been filed, and is attached here. So far, Ocwen has not acknowledged the NOE.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Subject : Request for Removal of Late Payment Record. 

Dear XXXX XXXX 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 payment reported in XX/XX/XXXX and XX/XX/XXXX 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 XXXX XXXX and have made all my payments on time, except for this instance, which I believe may have been an error due to a delay in payment processing. Specifically, my payment was submitted, but it was processed 15 days later through no fault of my own. I have attached supporting documents that reflect the timing of my payment submission and the delay in processing. 

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 2015-10-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

To C.F.P.B, I would like for you organization to start entire investigation on my case, the said complained NationStar Mortgage LLC, XXXX they have try to show legal standing close action again me, and or XXXX XXXX XXXX, XXXX, Florida XXXX. The bank must show the original documents, mortgage and promissory note, the bank also have to show a proper shine of title recorded on the country where the property is located, is required by law, the bank must show assignments of mortgage and endorsements notaries with acknowledgments and the penalty of perjury.
Consumer complaint received 2024-10-18
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)

" XXXX XXXX XXXX  reported a late payment on my credit report because they incorrectly applied my {$5800.00} XX/XX/XXXX payment to my escrow account instead of my mortgage, due to a {$380.00} shortfall for XXXX and XXXX. Although my mortgage payment amount changed in XX/XX/XXXX, I did not receive any notice of this change due to moved to new place and continued paying the old amount through XXXX  XXXX XXXX 's bill pay. 

By the end of XXXX, XXXX XXXX XXXX  sold my mortgage to another company, yet I still made the XXXX payment to them. My bank account consistently shows a balance of over {$10000.00} each month, so there was no reason I would have paid a {$95.00} late fee instead of the {$190.00} difference. 

I am requesting that XXXX XXXX XXXX  remove the late payment from my credit report, as they should not have applied my full XXXX payment to escrowespecially considering their decision to sell my mortgage. ''
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.