davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
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. (IL)

In accordance with the Fair Credit Reporting act, account DEPT OF EDXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (NJ)

On XX/XX/XXXX, I received a letter indicating the account is past due. I received another similar letter in XXXX and the monthly statements are showing a past due amount since XXXX. I have bi weekly withdraws and auto pay on this account and in order to be eligible for that, I had to pay a month in advance. Therefore, at no point would this account ever be late given the biweekly debits and monthly autopay. 

I also received a check for a mortgage insurance refund but I have not paid for mortgage insurance on this account, so I am not sure why they arbitrarily removed money from my escrow and refunded it to me.
Consumer complaint received 2023-11-04
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved. all of the data listed is reporting illegal an fraudulent information that has caused major delays on my credit report. please review an remove the listed items to help clear my credit repot asap.
Consumer complaint received 2023-11-04
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. (SC)

Incorrect use of my credit for a hard inquiry pull from these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-04
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. (SC)

Incorrect use of my credit for a hard inquiry pull from these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-04
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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. 

This company 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 2023-05-03
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. (KY)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXXXXXX 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 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I checked my credit report and it's reporting different on each credit Bureau I notice alot of information was inaccurate which I want them to either verify if they can't I want them to delete it from my credit report and the inquires that's almost embarrassing if that was me apply for credit why would l do that to seem credit desperate and unable to get approved for any credit please i would never do that and that is how I know I'm a victim of identity theft and that my information was in the dark web. All i want for them to do is delete those inquires that I didn't authorize and fix the inaccurate information that is negatively affected my credit report profile
Consumer complaint received 2023-11-04
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)

Hello, My name is XXXX XXXX and I'm placing a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX and Experian are reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

" ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

" According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-08-20
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. (DE)

I discovered several fraudulent medical debt collections on my TransUnion credit report, which I did not recognize or authorize. These debts were the result of identity theft, as confirmed by the FTC Identity Theft Reports I provided to all three major credit bureaus, including TransUnion, on [ insert date ]. 

Both XXXX and XXXX promptly reviewed the FTC reports and determined that the medical debts were indeed fraudulent. They took the necessary action to remove these debts from my credit reports. However, despite providing the same documentation and evidence to TransUnion, they continue to report these debts as " verified. '' I have made multiple attempts to contact the debt collectors associated with these fraudulent claims, requesting verification of the original creditor 's identity, proof of my identity related to these debts, and an itemized bill. Unfortunately, I have received no response or call back from these collectors. 

It is important to note that I have never lived anywhere near the locations connected to these claims. The alleged services, such as ambulance or fire company assistance, would have required XXXX XXXX of over XXXX XXXX, which is unreasonable and further supports the fraudulent nature of these debts. 

XXXX failure to remove these fraudulent debts from my credit report is causing ongoing harm to my financial standing and personal well-being. 

Dates, Amounts, and Actions : XXXX. Dates : Fraudulent debts identified on XX/XX/XXXX and continued through XX/XX/XXXX, FTC reports and documentation submitted to TransUnion on XX/XX/XXXX and original fraud alert placed in XXXX. 

XXXX. Amounts : Total amounts of fraudulent medical debt in collection over {$9300.00} XXXX. Actions Taken : Provided FTC Identity Theft Reports and supporting documentation to TransUnion ; contacted debt collectors requesting verification, but received no response. XXXX and XXXX removed the fraudulent debts, but TransUnion has not and claims " Verified as Accurate ''. 

I am seeking the removal of these fraudulent debts from my TransUnion credit report, as they were removed by the other credit bureaus. The original creditor is over XXXX XXXX  away from where I have ever resided and XXXX XXXX  states over XXXX XXXX XXXXXXXX way. It states " XXXX XXXX '' so I would logically not be able to dispute this as I would be deceased if an outside state requested a XXXX XXXX that was over XXXX hours away. 

I requested Itemized Bills and Proof that the person who did/if they did collect those debts for proof of identity and received nothing from anyone including Transunion. XXXX and XXXX though could not verify the debt and both removed everything. 

I can provide any additional information required as well. 

Thank you again to the CFPB with everything you are doing to help people like myself try to get out of abusive situations but unable to due to identity theft and no one else willing to offer help.
Consumer complaint received 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2015-03-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The debt, XXXX account was settled and paid with a collection Agency, in XX/XX/XXXX and XX/XX/XXXX, with confirmation numbers and check numbers. I have sent this information to another agency who is trying to collect on the debt, each time I call to verify it 's been taken care of and collection attempts to stop, I keep getting information that is incorrect. The original debt collection agency was XXXX XXXX. I was told on more than XXXX occasion that they could not give me any information because it was archived and they gave me other phone numbers to call. XXXX was the original credit card company and when I called their number the recording stated that they were not taking calls at this time. This was on a Thursday, before XXXX CST. Finally I was able to get in touch with their dispute department, via internet and email, I did get a response that the debt was paid in full along with the account number. I am still having issues with the NEW Collection Firm.
Consumer complaint received 2023-11-04
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My credit reports with XXXX XXXX, Experian and XXXX are showing names, addresses, and phone numbers that do not relate to me. I have one phone number, one address, and one name.

All of the inaccurate information is damaging the consistency of my credit report and causing issues. 

My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only phone number is XXXX
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

They have many errands including two SSN # on my account which has been detrimental to my financial health credit and living arrangements I can't get any help I need or want. 
places homes cars nothing because of their carelessness me and my kids have been homeless for over XXXX XXXX trying to deal the situation I do plan to seek legal advice
Consumer complaint received 2023-11-04
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. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-11-04
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)

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights.

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
Consumer complaint received 2023-11-04
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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
Consumer complaint received 2023-11-04
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. (NY)

EXPERIAN, WILL NOT LET ME BACK INTO MY ACCOUNT BECAUSE I CHANGED MY PHONE NUMBER, I GAVE THEM ALL THE CORRECT INFORMATION, STILL THEY WILL NOT LET ME INTO MY ACCOUNT I'M VERY MUCH ANNOYED WITH EXPERIAN. 

IT'S BEEN OVER THREE WEEKS STILL I CAN'T GET INTO MY ACCOUNT. 
I CALLED AT XXXX XXXX XXXX XXXX XXXX XXXX TODAY AND NUMEROUS OTHER TIMES NO-ONE WILL HELP, I FEEL THIS IS DELIBERATE FRAUD. 

PLEASE HELP I NEED ANSWERS.
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (MD)

I applied for a credit card on-line last XX/XX/XXXX from American Express. I never received the card or any statement. In XX/XX/XXXX I received a statement requesting a fee for {$95.00}. I called and told them I never received the card and do not want the card now. They have refused to remove the fee since they say it was over 30 days since I applied for the card.
Consumer complaint received 2023-11-04
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: CCS Financial Services, Inc. (TN)

CCS collections is attemping to collect debt on behalf of liberty mutal. date open was XX/XX/21 last date of activity was XX/XX/21. I have never own, leased, or rented a vehicle or home that had this company as an insurance policy holder. this debt was placed my credit fraudlently. I disputed with XXXX and XXXX credit reporting agency and they both recognized this as a debt that does not belong to me. It was deleted. Now this is on XXXX and it has not been deleted I have disputed this numerous times. Their is no proof that i have ever own, leased or rented a home or vehicle associated with this company. This is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Consumer complaint received 2024-08-19
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)

Reinvestigation, validation, and cease retaliation ... Im asking the reason for re polluting of my consumer/credit and why they continue. Violations of XXXX and XXXX exist as follows : section XXXX ( a ) ( XXXX ), XXXX XXXX ( a ) ( XXXX ) ; section XXXX ( a ) ( XXXX ) XXXX XXXX XXXX ( a ) ( XXXX ) XXXX XXXX XXXX ( b ) ( XXXX ). SECTION XXXX ( b ) XXXX XXXX XXXX ( h ). The Company was previously deleted and should be because of the numerous XXXX and XXXX violations. They allege a charge off and this should be rectified and is not information alloted to be furnished on a consumer/credit profile/report. Along with the latter named violations I as the Federally protected consumer deserve for my personal private and pertanent information to be handled with care and in strict regard to the laws that protect it.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2 out of 3 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.