davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
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. (FL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous INQUIIRIES on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2024-10-12
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)

On XX/XX/year>, TRANSUNION received a dispute from me for account XXXX XXXX XXXX, installment account, auto loan. I sent TRANSUNION THIS dispute because i have NEVER been late on my auto loan payment. i have only had my car for one year it is no way possible i was late for 10 months straight!!! i informed TRANSUNION that this was a mistake and informed the creditor. The creditor told me i would have to dispute it with the credit bureau TRANSUNION to get it changed. i disputed it, and TRANSUNION VERIIFED THE DEBT, i THEN ASKED FOR A METHOD OF VERIFICATION, FOR THE LATE PAYMENTS. According to FCRA i am well within my rights to request removal of late payments because this company failed to send me proper notifications and i do not recall missing a single payment. 

TRANSUNION IS IN VIOLATION OF : 15 U.S. Code 1666b - Timing of payments ( 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. 

I REQUESTED TRANSUNION send me the notices and names of people and copies of correspondence from XXXX that they used to verify these late payments. 

TRANSUNION has failed to respond to my dispute, and had committed multiple federal law violations including my privacy of credit file and TRANSUNION did not provide protection and accuracy of credit file
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PR)

To whom it XXXX concern, I XXXX XXXX XXXX have requested two times that the information from XXXX XXXX or XXXX be removed from my credit report since I did not authorize or open any accounts with your agency. Therefore, Im requesting XXXX XXXX to cease and desist all contact methods and to send me a debt validation letter. I have frozen my credit report and report it the fraudulent account to all credit bureaus and also I report it to identity theft. Some of the laws you XXXXay be subject to are as follows : 18 U.S. C. 1028 Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. 
Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.
Consumer complaint received 2024-09-23
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. (DE)

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. 
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 has violated my rights .

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. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 






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 2024-10-12
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. (TX)

On XX/XX/2024 I disputed fraudulent accounts XXXX also attaching proof of address etc I disputed with TRANSUION & XXXX via XXXX mail with proof of identity theft In which according to section. 605 b of the fair credit reporting act those accounts disputed should have been removed within XXXX buisness days however they were not in which TRANSUION & XXXX decided not to properly investigate and remove those items nor did they take my identity theft into a serious matter this has caused emotional distress so now I have no choice but to XXXX TRANSUION. & XXXX both for {$XXXX} each for damages they have caused I will also like to add they have also violated the fair credit reporting act clause in which thats also a legal violation under the fcra law if these accounts do not be removed in XXXX  days i will file a legal suit also I may want to add if both parties TRANSUION & XXXX do not send out my {$XXXX} emotional damage check I will sue as well
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past XXXX months, I have consistently reached out to your company about this matter and I haven't gotten any response.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-09-23
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: 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.

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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-28
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. (IL)

I am reaching out for your help with this incorrect account appearing on my credit report. Ive raised this matter because its been damaging my reputation, and I need your assistance. The mishandling of my credit report has left me in a difficult situation, as this inaccurate information has damaged my reputation. Please correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX EXPERIAN REPORT NUMBER XXXX RE : XXXX XXXX Request Dear Sir or Madam : I am a XXXX XXXX XXXX. The information listed below, which appears on my Experian credit report, is the result of that XXXX 

Accounts : Account numbers : Date Opened : XXXX XXXXXXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I also see XXXX other names on my credit profile which is because of the XXXX 
I need these names blocked and removed from my XXXX credit Report XXXX XXXX. 
I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a XXXX XXXX XXXX so I do not need XXXX to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. Section XXXX ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been XXXX of XXXX XXXX or XXXX XXXX  if the consumer has provided documentation of XXXX to the agency. I have attached a documentation of my self-attestation to you XXXX. Survivors do not need to provide additional evidence to prove their connection to XXXX beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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 am writing to formally express my concern regarding the unresolved disputed accounts on my credit report. Despite multiple requests for thorough investigation into the inaccuracies, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely affecting my credit file, causing considerable hardship and hindering my ability to manage my financial responsibilities. The ongoing presence of these inaccuracies has created significant challenges in my personal and financial life. 

I kindly request that you immediately investigate the reporting of these disputed accounts and take the necessary steps to update and rectify my credit report without further delay. It is crucial that these inaccuracies be addressed to restore the accuracy and integrity of my credit file. 

I sincerely urge you to treat this matter with the utmost urgency and appreciate your cooperation in resolving this issue swiftly. 

Thank you for your attention to this critical matter.
Consumer complaint received 2024-10-12
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. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/updated. 

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.

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!
Consumer complaint received 2024-10-10
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. (CA)

Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-10-10
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. (TN)

I have identified incorrect information on my credit report, which I believe violates 15 USC 16c-2. This inaccurate information is negatively impacting my creditworthiness.
Consumer complaint received 2024-10-10
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: EQUIFAX, 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX 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 2024-10-12
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. (AL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

SLS loan servicing is escrowing my home owners insurance. 
My insurance company stopped writing in the state of Florida and I was notified by SLS on XX/XX/XXXX via a letter stating that I had to provide proof of insurance immediately or they would have to force place insurance on my property. 
I immediately found out what had happened and secured a policy with a new insurance company and I send proof of insurance on the XXXXXXXX XXXX XXXX XXXXXXXX. My agent also provided this t

o SLS as well. SLS still force plac
ed the insurance on me and has continued to take an extra thousand dollars a month out of my checking account since XXXX. 

Despite emails, several phone calls and a complaint to the XXXX XXXX XXXX SLS is still withdrawing the extra money from my account. 

I cal and call and keep getting the same answers that they are reviewing it and will take 10 to 15 days to get back to me. 
Yet I keep getting letter that I need to provide proof. 

They are completely incompetent or just fraudulent