davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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 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 XXXXccount XXXX XXXX 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

My account with 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  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

By the IRS standards after you receive a 1099C from the company, it is then considered income due to it being considered income income is personal I have the option to opt out of having any personal information shared with a non-affiliated third-party or any personal information shared. Although this account is closed, it is still being reported on my credit report. I would like this account removed immediately due to it not being considered debt but income instead.. also, Im sure you havent checked with the creditor if I have any signed contracts or is the creditor gave me the option to opt out of having information shared, I will take further action if there were requirements or not meant, and the rules of the laws are not followed. I would like this removed or for my credit report immediately thank you.
Consumer complaint received 2024-07-26
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. (NJ)

I am writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
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. (FL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX Account opened XX/XX/XXXX, XXXX  XXXX account opened XX/XX/XXXX, XXXX XXXX XXXX  Account openedXXXX, XXXX XXXX XXXX XXXX  account opened XX/XX/XXXX, XXXX XXXX XXXX account opened XX/XX/XXXX, XXXX  XXXX account opened XX/XX/XXXX, XXXX. XXXX XXXX account opened XX/XX/XXXX, XXXX XXXX XXXX  XXXX  account ( Late Payment ) XXXX XXXX  account opened XXXX/XXXX/XXXX, Hard Inquiries : XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX have resulted in several fraudulent hard inquiries and fraudulent collections appearing on consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 2024-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (FL)

I tried on numerous occasions to pay my XX/XX/year> payment and their system would not take it. Online system had different amount than what was billed to me on statement. System constantly gave error as system could not take payment due to end of modification. Contacted customer service department on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> to try and make payment and all offshore representatives gave me different amounts that was due, tried to take my payment over the phone with them and the system would not make accept payment. Contacted company many more times to try and resolve this payment and they were not able to apply the payment either XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. The company reported me late to the credit bureau and now my credit is reporting late and I've never been late with my mortgage payments and this has now caused me an issue with Refinancing the loan. I asked for someone to assist me within the states and they kept making excuses as the line was busy to resolve what I owe and ask why was I reported to the credit bureau as late when the system would not take the {$17.00} payment. Spoke with someone in the US on XX/XX/year> to try and resolve this issue and now they will not accept any payment and trying to take my home over {$17.00} that was due as of XX/XX/year>. I have statement copies with conflicting payment due of {$740.00} as of XX/XX/year> and delinquency notices in the amount of {$17.00} with a current payment due of {$0.00} as of XX/XX/year> and phone screenshots of their system showing {$100.00} due as of XX/XX/year>. Different amounts all over than what's on the statements, system and delinquency notice. No one has tried to resolve this issue but I'm trying to keep my home from going into foreclosure.
Consumer complaint received 2024-07-26
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. (KY)

XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.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 follow items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16815-2 ( 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 is inaccurate. that the information This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.
Consumer complaint received 2024-07-26
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)

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, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-07-26
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. (NJ)

Why do the negative accounts still remain on my credit report until now, even though I have long wanted to have them removed? I have filed numerous complaints about this, yet they have taken no action. I now want the negative accounts to be removed and the responsible parties to be fined appropriately because their inaction has greatly affected me.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Looking at my consumer report on XX/XX/XXXX I saw some instances of late payments on that account. For which am certain to maintain on time payment every month. The consumer reporting agency have a crucial and vital role according to the law to report consumers information with maximum accuracy and it is imperative that consumers information be reported accurately. I have never Been late that account and I have included screenshots inside this complaint on date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX I am asking for a proper investigation and provides proof with statements showing that these payments were late. If they are not able to show and provide such proof i demand that this account be promptly updated to reflect the true status of on time or paid as agree do to the fact that I was never late. 
XXXX XXXX
Consumer complaint received 2024-07-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CrossCountry Mortgage LLC (PA)

I signed a contract to purchase a home on XX/XX/XXXX after being pre-approved for a mortgage by Cross Country Mortgage ( the company never sent me the pre-approval documents but my realtor told me I had been pre-approved. She was the one who recommended the lender XXXX XXXX ). 

There were multiple communication problems and I had to tell XXXX several times the amount of money that I had for down payment, that I didn't want any points on the mortgage, among other terms. XXXX told me that the Closing Disclosure had to be signed by XX/XX/XXXX in order to close on the XXXX. I had originally told him that I had {$65000.00} cash to close and if I needed more than that, I would need to change the amount borrowed to offset additional closing costs. He replied on XX/XX/XXXX that the cash to close would be {$67000.00} so I told him I could afford the additional XXXX but no more. The CD he sent me on the XXXX to sign had {$67000.00} as the cash to close. On XX/XX/XXXX, XXXX texts me that I need another month of child support payment since for a conventional loan requires 6 months of child support documentation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and had sent him the paperwork 6 days prior. I told him I only had XXXX XXXX XXXX XXXX  He didn't respond, but later texted " it's fine. '' Fast forward to the date of closing : XXXX texts me at XXXX that we are cleared to close. At XXXX, my realtor texts me XXXX minutes to the scheduled settlement time and tells me that there is a new CD dated XX/XX/XXXX with a total cash to close of {$72000.00}. I had no update from XXXX or anyone at his company. In researching the process, it appears that there is a law that requires the CD to be signed 3 days prior to settlement. Not only did he produce a new CD the morning of settlement ( that I didn't sign ) he never explained to me why the costs increased so much. My realtor later explained that the taxes had been paid by the seller and needed to be reimbursed, and also that the mortgage company had planned to pay off one of my credit cards and add that amount to closing costs ( I was not informed by XXXX of either of these costs at any point ). 

XXXX never contacted me about the discrepancy and my realtor told me several hours later on the XXXX that he could change the loan to an FHA loan. I work in a highly regulated field and am astonished that this one person ( XXXX ) can so easily cause me to lose a house, and thousands of dollars, because he is not doing his job. Due to personal reasons, I was unable to delay the closing and pursue a new loan and had to cancel the purchase.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the fair credit reporting act this creditor, Department of EducationXXXX has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-26
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. (MA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.