davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

XXXXXXXX XXXX and their outsourced collection agency was unable to help. In XXXX of 2024, XXXXXXXX XXXX removed my delinquent account from Experian reporting, causing my XXXX XXXX to increase however, in XX/XX/year>, XXXX XXXX  began reporting the account again ; however, the reporting shows in a way that the account was recently reported as a charge off in XXXX, with no account history. This has now caused my credit score to drop XXXX points and my rating of " good '' is now " fair. '' My score was just over XXXX and is now in the XXXX due to XXXXXXXX XXXX inappropriately reporting, removing the account, and then re-reporting just one month later. I asked XXXXXXXX XXXX recovery team to explain what happened. They would not give me information and advised to file a dispute with Experian. I feel that route will only be adverse and not helpful. Since the charge off has occurred, I have been making ontime monthly payments with the collection agency for the last XXXX years or more ; however, the information being reported continues to negatively impact me.
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. (GA)

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 I looked at my Equifax credit report on XX/XX/scrub> 2024 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 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX out of XXXX 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. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 l
ate 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 2024-10-14
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)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (MI)

I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX for the account number XXXXThe late payment are reported dated XX/XX/year>. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Equifax are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected.

Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my report.
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. (TX)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (CA)

The email you gave me for XXXX - XXXX Is not working and came Back, please see attached. 

And you also got to waive all the legal fee, late fee, interest charges, inspection fee. 

I have been asking you repeatedly that I need to speak with someone. 

I also sent an email to XXXX XXXX, its a HUD counselor, they will also be reaching you out
Consumer complaint received 2019-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

a claim of {$380.00} has been made by three ( 3 ) different credit collection agencies. Each claim the debt is for a failure to return equipment to XXXX. XXXX indicates my prior account is t a XXXX balance, Paid in full, with no money due on my account, closed over three years ago. These credit collecting agencies continue to sell the debt, knowing that there is nothing to collect. The agency name 's are as follow : XXXX XXXX XXXX, XXXX   XXXX, XXXX , Convergent Outsourcing , Inc .

The last company, Convergent Outsourcing , Inc. called numerous times, even after being told not to, and has written twice. I have sent letters of Denial concerning the Debt. I have been mistreated and spoken to in a rude manner by several staff member of Convergent. Convergent has been notified verbally and in writing that the debt they are claiming is in error. Convergent employee refuse to listen. As a former XXXX  XXXX  I have a suspicion that Convergent may be trying to perpetuate criminal fraud.
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. (GA)

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following accounts attached in my Identity Theft affidavit are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :
Consumer complaint received 2024-10-14
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. (PA)

I am writing to follow up on my previous dispute regarding the unresolved errors and discrepancies on my credit report, which you have failed to address appropriately. Despite the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ) to resolve disputes, I have yet to receive confirmation of any corrective action regarding the inaccuracies.
Consumer complaint received 2024-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to express my ongoing frustration regarding two unauthorized transactions taken from my bank account. Despite my diligent efforts to dispute these transactions on several occasions, my claims continue to be rejected. 

The first transaction occurred in XX/XX/XXXX, where a total of {$3300.00} was withdrawn from my account. The second transaction took place in XX/XX/XXXX, amounting to {$1600.00}. Both transactions were conducted through ATM withdrawals and XXXX XXXX transfers, which I firmly did not authorize. 

During the time these transactions took place, I was in XXXX, and I provided proof of my situation to the bank. This included documentation of XXXX XXXX XXXX and confirmation of my address change. However, the bank 's denial letter claims that either I or someone I authorized made these withdrawals. It is critical to note that the banks policy clearly states that only the cardholder has access to the account, and I have never authorized anyone else to use my card. 

In light of this, I requested a list of authorized users on my account, only to be informed that no such users exist. The bank 's policy explicitly prohibits any additional users, reinforcing my assertion that I did not permit anyone else to access my funds. 

To further support my case, I have filed a report on identitytheft.gov, as well as a police report concerning my stolen California ID. Despite these efforts, the bank continues to deny my claims without adequately addressing the substantial evidence I have provided. I hope for a timely resolution to this matter and would appreciate any assistance in rectifying these unauthorized transactions.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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 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 XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1 ) XXXX has improperly allocated too much of the payments made to interest which is not mathematically possible, constituting a material breach. There are instances where the entire payment was applied to interest. For example, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the entire payment of {$600.00} went toward interest, with {$0.00} applied to the principal. Another example is XX/XX/XXXX. The expected interest accrual for a 30-day period is {$120.00}, but the payment history shows that {$290.00} was applied to interest. 
2 ) XXXX charged interest during the time in which interest accrual was paused during the pandemic, constituting a material breach. 
3 ) XXXX has extended the term of the note beyond what is statutorily permitted by law. Because both of the loans are Direct Consolidation Loans, and the combined balance is over {$60000.00} ( approx. {$82000.00} in total ), the maximum repayment term allowed under the law is 30 years. XXXX reports that repayment began on XX/XX/XXXX. Time Already Paid : 12 years and 4 months. XXXX 's reported term : Remaining Term : 22 years and 2 months. The total repayment term would be approximately 34 years and 6 months, which exceeds the maximum statutory term of 30 years. Failure to properly service these loans constitutes a material breach. 
4 ) this breach is further underscored by the fact that XXXX admits that I have made approximately $ XXXX in payments, but they only applied $ XXXX to principal.
Consumer complaint received 2024-10-14
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. (GA)

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

Ally Financial has not been reporting to XXXX or the others credit agencies since XX/XX/XXXX, that they are charging {$8100.00}. I found out about the the co-signing bill after a call XX/XX/XXXX to pay my own bill using my social security that they were still billing after they charged off XX/XX/XXXX, sold XX/XX/XXXX, and closed my son 's account. They stated he owed {$6600.00}, I looked up my credit report and it indeed was frozen, I disputed the discrepancies with XXXX XX/XX/XXXX after trying to speak to Ally and they kept telling me managers would call me back. XX/XX/XXXX Nothing was resolved. I called insisting I speak to a momager they forward my call to HRC Department where XXXX XXXX XX/XX/XXXX offered a settlement after speaking to his managers in escalation that they would agree to accept {$2900.00} or {$240.00} for 12 months as a fair payment to end this. I agreed and asked him to send in writing that they will also fix the 2 different amounts and update the credit report to balance zero and paid off upon the receipt of the funds. He never did. I have called again and left messages XX/XX/XXXX for a week and after several run arounds of he will call me back, now he doesn't exist, said XXXX XXXX XX/XX/XXXX they don't know what I am talking about, and that the information given to me was in error they sent me to collections. And Manager XXXX XXXX will call me back soon. They have never called me or my son to know this bill existed after they sold it and they do not even consider I have been a loyal paying client with my own car I am down to my last 3 payments and my car broke down. I am still paying my car. They are not acting fair and in good conscious towards my situation.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (TN)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
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. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.