davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-22
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: Experian Information Solutions Inc. (GA)

Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX XXXX # XXXX {$440.00} Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX XXXX # XXXX {$440.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF  # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX XXXX # XXXX {$440.00} XXXX XXXX # XXXX {$23000.00} Inquiries : XXXX/XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-10
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. (NJ)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-07-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MOUNTAIN WEST FINANCIAL, INC. (CA)

I was late on one payment to Mountain West financial in XX/XX/XXXX. After that month I made all my payments on time within the given months. Because years ago I missed a mortgage payment I confirmed each month on the phone that the payments were posted to the current month which they confirmed. 
When I went to my new mortgage company, as XXXX left XXXX  and sold our mortgage to Mission, and began the process of a second mortgage using my equity I was told that I had to wait until XX/XX/XXXX as I had late payments posted from XX/XX/XXXX through XX/XX/XXXX. 
I called XXXX and was told to download my history for confirmation of late payments. 
I was also given a mail only address to request a change in my credit report and file a complaint with them. 
I did that Return Receipt with signature on XX/XX/XXXX. 
I was told three weeks ago that I would have an answer by XX/XX/XXXX. I called today, XX/XX/XXXX and was now told, on a recorded line, that it is now XX/XX/XXXX before any response is to be expected. 
This " Qualified Written Request '' is not available for any phone or email communication, only able to send to this address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
I have attached a copy of the letter I sent XXXX  on XX/XX/XXXX.
Consumer complaint received 2024-07-25
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  Balance {$0.00} XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (AZ)

15usc code1581c-1 under the doctrine of estoppel by silence. Engelhart v graven ( mo ) 281 sw 715,719. i may presume that no proof of the alleged debt nor there fore any such debt in fact exist pursuant to 18 usc 8 lowe no debt this company is violating may consumer right to privacy pursuant to 15 usc 1681-b2 company has no permission to report my information per 15usc 16814. i do not consent to these proceeding without prejudice usc1-308
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC. (PA)

Ally financial, my car note company - HAS NOT reported my payments since XXXX of 2019. They said that they would make note and update it and NEVER have. They will report when you miss a payment or don't pay them, but won't update a positive report? 

I'm angry. To say the least.
Consumer complaint received 2024-09-11
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **TransUnion, LLC** XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, **RE : Dispute of Bankruptcy - XXXX XXXX XXXX XXXX  ( Docket XXXX XXXX XXXX ** **FCRA Section 611 ( 15 U.S.C. 1681 ) Request for Reinvestigation** **CFPB Complaint ID : XXXX I am writing to formally dispute an item listed on my TransUnion credit report concerning the bankruptcy referenced above ( Docket # XXXX ), which was opened on XX/XX/XXXX. I previously filed a complaint with the CFPB regarding this matter ( CFPB Complaint ID : XXXX ). Despite this, TransUnion returned a " verified '' status in the response to my initial complaint. 

Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that TransUnion perform a full reinvestigation of this item. Specifically, I am requesting that TransUnion either : 1. **Verify the source of the information** used to return the " verified '' status in response to my CFPB complaint. It is my understanding that TransUnion did not contact the Federal Trade Commission ( FTC ) to verify the facts presented in my identity theft affidavit. I request that you provide full details regarding the source used for this verification. 

OR 2. **Delete the contested item** from my credit report if proper verification of the information can not be provided as required under the FCRA. 

Failure to reinvestigate and respond within the timeframe specified by the FCRA will place TransUnion in violation of the Act. If you are unable to verify the accuracy of this bankruptcy, I expect its immediate removal from my credit report. 

Furthermore, if TransUnion does not disclose the verification source and continues to report this inaccurate item, I will seek compensation for any credit denials caused by the continued reporting of this disputed item, as such action would constitute willful and negligent noncompliance with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, **XXXX XXXXXXXX XXXX XXXX ] [ XXXX ] ---
Consumer complaint received 2024-09-10
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)

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 2020-06-22
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: EQUIFAX, INC. (GA)

XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX XXXX XXXX # XXXX {$7600.00} XXXX XXXX XXXX # XXXX {$310.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX  Fraud Victim Assistance Department XXXX  XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX   XXXX XXXX # XXXX {$7600.00} XXXX XXXX  # XXXX {$310.00} Inquiries : XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX   XXXX XXXX # XXXX {$7600.00} XXXX  # XXXX {$310.00} XXXX XXXX   XXXX XXXX # XXXX {$190.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent letters out certified over 35 days and have been notified. I feel like these guys are taking advantage of regular people. After recently reviewing my credit report I noticed several inconsistencies regarding the accounts information attached. I sent a second letter to the Equifax after 30 days because I haven't received and documentation.
Consumer complaint received 2020-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (VA)

I was paid for an item I sold on XXXX through PayPal. PayPal placed an arbitrary hold on my money I received from the sale for 48 hours when I tried to instant transfer it to my bank debit card. And charged me a processing/handling fee of {$25.00}.
Consumer complaint received 2024-09-10
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)

In accordance with the Fair Credit Reporting Act. The List Of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15USC 1681. XXXX, XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, RXXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602A. States I have the right to Privacy 15 U.S.C 1681 section 604A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Sections 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 convicted 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 the information is inaccurate.

15 U.S.C 1692c you have violated my rights by unlawful communication
Consumer complaint received 2024-09-10
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)

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The account in question does not belong to me, and I have serious concerns regarding its validity. I have previously requested documentation, including the purchase agreement and any other supporting documents, to prove full ownership of this account. To date, I have not received sufficient evidence to verify that this account belongs to me.
Consumer complaint received 2024-09-10
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)

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. 

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-25
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. (CT)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2020-05-22
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SAMC Honebee TRS, LLC (MS)

On XX/XX/XXXX I wrote the company expressing we were having some financial difficulties due to COVID. I asked to postpone my account for 180 days. I received a letter back on XX/XX/XXXX. My automatic draft was stopped and I contacted the mortgage company to make sure my payment still came out since I hadnt heard back about forbearance. I was told my account was good and they received payment. I still have not received a forbearance so on XX/XX/XXXX I paid my mortgage since the automatic payments were stopped by the company. I received a phone call from company on XX/XX/XXXX saying my XXXX payment never came out and they had made an error and paid my account with someone elses funds. I told them that I had asked for a forbearance but I called and the associate told me my account was good and all statements I received said my account was good. I asked them how am I 30 days late when I just made a payment on XX/XX/XXXX. This company has reported to the credit bureaus more than once that I have been 30 days late. I dont understand how this is correct or legal. One I was not aware nor did anyone contact me before XX/XX/XXXX by phone or mail. Second I asked for a forbearance in XXXX and I yet to get it or any correspondence.
Consumer complaint received 2020-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (AL)

According to all major credit bureaus, Nelnet continues to compromised credit score due to its reporting, disbursements on credit file which contains the same account number beginning with XXXX is grouped in series late payments at the same time. The credit bureaus display as if the account is late 28 times, however its only four late  payments. According to FCRA, this is an incorrect infraction against the consumer. The reporting has compromise credit score along with creditworthiness.