davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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

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

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

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

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

Immediate Removal of Inaccurate Charge-Off Reporting I am writing to demand the immediate removal of inaccurate charge-off reporting from my credit profile by XXXX. I firmly believe that this reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681b. 

I have recently reviewed my credit report obtained from Equifax and have identified inaccuracies related to charge-off accounts. This misinformation is severely detrimental to my creditworthiness and financial standing. I insist on the swift removal of these inaccuracies, as required by the FCRA. 

I demand that you take immediate action to remove these inaccuracies from my credit profile. Delays or further investigations are unacceptable in this matter.
Consumer complaint received 2024-08-23
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. (LA)

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  Equifax XXXX XXXX & XXXX has not responded to the previous dispute within 30 days.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, 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. (SC)

I am writing to follow up on my previous complaint regarding the incident where I fell victim to identity theft. Once again, I would like to reference FCRA Section 605B, as outlined in 15 U.S.C. 1681c-1, which mandates that Credit Reporting Agencies must eliminate and prevent the inclusion of any items mentioned in an identity theft report. Kindly refer to the documents provided in the attachment to facilitate the process of blocking and eliminating the inquiries that have been appearing on my report. Below is a compilation of the unauthorized inquiries that have been reported in my credit records : XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XXXX, I attempted to pay USPS {$88.00} and was told my Huntington credit card declined. 

That was strange when I new my credit limit was {$11000.00} and my available credit was {$3000.00}. 

I contacted Huntington Bank customer service to make sure because of the Trigger my account was not compromise. 

I was told that after 6 months that with good payment history that I would receive a credit line increase if requested. 

I had not requested a credit line increase at this time. 

When I contacted Huntington Customer Service I was told I would receive a letter.

I did not authorized Huntington Bank to pull my credit only when I applied for credit. I have never been late and I have always made my payments ontime.

I have even paid thousands of dollar more than asked to bring down my credit balance.

I am definitely not a credit risk to Huntington Bank to have reduced my credit limit used my personal information without my permission.

I informed Huntington Customer Service that {$88.00} was declined and my credit limit was reduced from {$11000.00} to the balance I owe on my credit card to {$8300.00} which is unfair to me as a preferred customer of theirs. 

All they could say in a loud voice. You will get a letter in the mail between 7 to 10 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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: CREDIT ACCEPTANCE CORPORATION (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-23
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. (LA)

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  Transunion has not responded to the previous dispute within 30 days.
Consumer complaint received 2023-07-11
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. (NY)

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 Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX has violated my rights. Or 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 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX violated my consumer rights. I've attempted to dispute the furnishing of the accounts listed below. XXXX verified that all accounts listed below have been verified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 Though I've attempted to get more information about exactly how the debt was verified, they've refused to provide suitable proof that the accounts belong to me. 
Accounts : XXXX ( XXXX ) amount : {$300.00} opened : XXXX  ( disputed XXXX. Verified as of XX/XX/XXXX and in XX/XX/XXXX by XXXX WITHOUT providing requested proof of validation ). My XXXX XXXX ( XXXX ) amount : {$6900.00} opened : XX/XX/XXXX reporting incorrect information, has not updated it and continues to report incorrectly. Details about my personal transactions and experiences are furnished to credit reporting agencies. 15 USC 1681 a 2 A i states that " transactions and experiences '' are to be excluded from on a consumer report therefore I need this removed. XXXX XXXX XXXX ( XXXX ) opened : XXXX ( disputed with all 3 consumer reporting agencies. XXXX is the only bureau that followed the law and deleted the account ). amount : {$1900.00} account listed as a charge off. Includes transactions and experience information, failed to provide me with a 1099-C form. XXXX ( XXXX ) opened : XX/XX/XXXX account was NOT verified though proof was requested. Account deleted from XXXX but not XXXX or TransUnion. 
Unfamiliar hard inquiries : Company : 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 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I did not provide written instructions for XXXX to provide this information, therefore these listings need to be deleted.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-23
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)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX and XXXX XXXX XXXX XXXX XXXX, TX, XXXX
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, 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. (TX)

This is a follow up complaint regarding the issue that I was a victim of identity theft. Once more, according to FCRA Section 605B, which is outlined in 15 U.S.C. 1681c-1, the Credit Reporting Agencies are required to remove and block any items listed on an identity theft report. Please see the ATTACHED documents to assist in the blocking and removing of the inquiries which were being posted to my report. Here is a list of the unauthorized inquiries which have been reported in my credit reports : XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/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 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX  ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX  - IDENTITY THEFT XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-31
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 2023-11-02
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. (NJ)

There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (PA)

I had a XXXX  subscription through XXXX  that I canceled on XX/XX/XXXX ; I have email confirmation from the merchant that the subscription was canceled on this date. Since then, I was charged by the merchant three times for {$9.00}, once on XX/XX/XXXX, again on XX/XX/XXXX, and again on XX/XX/XXXX. I reached out to XXXX  multiple times, who on each occasion have assured me that I do not have an active subscription and that I should not have been charged. Since I should not have been charged here on XX/XX/XXXX ( Dispute Number : XXXX ), XX/XX/XXXX ( Dispute Number : XXXX ), or XX/XX/XXXX ( Dispute Number : XXXX ). I contacted Wells Fargo by phone several weeks ago and requested that they block this merchant from charging me further since Ive made many additional attempts and requests to the merchant ( XXXX ) that they stop charging me, but I continue to get charged every month. Wells Fargo continues to deny these disputes and continues to deny my request to block this merchant from charging me, even though I have on each occasion provided more than sufficient documentation to substantiate each dispute.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I set up an account with MOHELA and paid the past due balance online on XXXX. I called MOHELA on XXXX to discuss this and they left me on hold for an hour and 13 minutes with no answer. When I set up my account to make a payment, they had an old address and phone number listed for me, which I don't know how that happened since the prior servicer, XXXX. has my current contact information and I haven't lived at the old address since I moved in XXXX of XXXX. MOHELA claimed in an email that I had asked for paperless billing, which I never did. Their poor customer service resulted in me missing my XXXX payment. I feel like their ineptitude has now jeopardized the Public Service Loan Forgiveness that I had been notified in XXXX that my application had been received by the government. I work for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I deserve this loan forgiveness. I also don't believe I should have had to make any payments to MOHELA, but when they don't mailed me timely billing statements or answer their customer service phone line, it's impossible to resolve with them.
Consumer complaint received 2023-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

I have spoken to a representative on XXXX and a supervisor on XXXX. My mortgage is being raised XXXX which I don't understand since I have a surplus of XXXX in escrow. 
I asked if I can pay the increase to keep my payment the same. Mind you I'm paying an increase with a surplus in escrow. They told me no, that is not the way the ecrow department set it up. My mortgage was just sold to these people and in all other companies I had I was always given the opportunity to pay the shortage not to increase my monthly payment. This is the first company that my mortgage was raised and my escrow has a surplus. They don't want to hear it and keep telling me that, that is the way it is set up. I even asked her what is the sense to pay additional towards your escrow to avoid an increase when you don't acknowledge overages or surplus and raise the payment anyway because that is the way they have it set up.
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (NC)

I am writing to file a formal complaint against the credit bureaus Experian, XXXX and XXXX regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). 

To provide some background, I initiated the dispute process on XX/XX/XXXX by sending dispute letters to the credit bureaus listed below : Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, I have not received any response from the credit bureaus. 

Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these accounts deleted, but Im being ignored.

The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. 

In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. 

I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. 

Should you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of my credit reports.