davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (FL)

NewDay USA Issues timeline : 1. Promised to close in about 2 weeks XXXX XXXXBasic numerals to close provided. 
2. Up to XX/XX/XXXX many attempts to contact email, voicemails etc ( little response ) 3. Around XX/XX/XXXX after numerous attempts to make contact the Assistant Vice President Loan Origination tells me that the previous employee was fired. 
4. Now requests to unfreeze my credit so he can pull a 2nd credit report?

5. Said he was going to handle the issue personally, about a week or two later then requested again my credit be unfrozen ( 3rd time ).

6. At this point I also requested my loan numbers as I had little faith in what was going on and they were going to buy done points ( etc ) I just just wanted the current/simple numbers as my trust in them was going down with every interaction.

7. No response for over a week and on XXXX almost 2 moths later the numbers were approximately 10/12k higher than first quoted.

8. On XXXX ( Friday ) left a message that I should be his first call on Monday to explain the delta between the two quotes. Assistant Vice President Loan Origination 9. OnXX/XX/XXXX he finally got back with me well over a work week. ( Insanely ) I explained to him that I no longer needed his services and already started a new loan with another company. This company was .25 % lower rate and 10k more cost effective ( basically what I was promised ) by them at the beginning. I already have a closing date and completed my appraisal and everything else ( in a week Ill add ).
Consumer complaint received 2024-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint to bring to your attention that TransUnion has unlawfully re-inserted several fraudulent accounts on my credit report, which had previously been deleted. ( See attached ) These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

TransUnion is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) regarding the re-insertion of previously deleted material : 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) mandates that I should have been notified in writing within five business days of the reinsertion. I received no such notice.

15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) requires that TransUnion provide the business name and address of the furnisher of information and their contact details, which were not provided to me.

15 U.S.C. 1681i ( 5 ) ( B ) ( i ) prohibits the reinsertion of deleted information unless the furnisher certifies the accuracy of the information. There is no indication that this requirement was fulfilled.
Consumer complaint received 2024-08-07
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate.

Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-19
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. (TX)

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 2023-01-05
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rozlin Financial Group, Inc. (RI)

I signed up for a course with an acredited school. I was dropped from the school due to having some personal issues. So I never even got to attend the courses at all. The school had told me that they would remove the amount of {$4200.00}. I was not given an option they just put me on a payment plan but I had a part time job and couldnt survive by given them that amount that they said I owed. The amount also never got lowered than {$4200.00}. I was paying and they just kept charging me. They they proceeded to call my friends and family members then proceeded to call me constantly and email me threatening saying that they will be reporting the debt to the credit bureaus and damage my credit score. I have made all of the following payments Details : Recurring Bi-Weekly payments of {$50.00} on XX/XX/2022, {$50.00} on XX/XX/2022, {$50.00} on XX/XX/2022, {$50.00} on XX/XX/2022 starting on XX/XX/2022 and then every other Wednesday totaling {$200.00} from checking account. Yet they are still threatening me for a course that the school said I was unenrolled from and did not have to pay back. I did not even accept the offer on the XXXX page. I do not understand why I am being harassed for not being enrolled, for not accepting the debt and mostly not even using it at all.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$110.00} Account Name XXXX XXXX XXXX : Account Number : XXXX : Balance : {$690.00} Account Name : XXXX XXXX  Account Number : XXXX : Balance : {$18.00} Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX : Balance : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$9300.00} Account Name : XXXX : Account Number : XXXX : Balance : {$5200.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$460.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$990.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/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 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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with 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 60 days 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 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 pursuan
t rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax, XXXX and XXXX, Has done a half job Dealing with my XXXX  account Which still holds a negative remark that Im late 30 days which XXXX, nor equifax nor XXXX nor XXXX has provided Late payment history proof with XXXX  account that Ive been paying as a good consumer with great payment history, equifax, XXXX and XXXX defrauded me and lowered my credit score defamed my character for these thirty day past due remarks Thats plummeting my credit score and credit worthiness Equifax, XXXX and XXXX has also never provided me notice of dispute for my last dispute put in XX/XX/year> Which is illegal as well and Im will to escalate this case for equifax, XXXX and XXXX defaming my character and credit worthiness
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX - XXXX
Consumer complaint received 2024-08-10
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. (NV)

After reviewing my consumer report, I found entries that do not reflect my own activities and have caused me significant distress. I am seeking your assistance to resolve these issues promptly and accurately. 
I have previously filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and I have enclosed a copy of that complaint along with proof of my identity and address.
Consumer complaint received 2023-08-05
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. (KS)

I have identified multiple accounts on my credit report that are a result of identity theft, and I wish to exercise my rights as a consumer protected under relevant laws and regulations. I have already taken the necessary steps to contact the companies involved in these accounts to inform them of the fraudulent nature of these entries. They have been made aware of the fraud and have acknowledged the issue. 
As a responsible consumer and as provided by the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ), I demanded they take the appropriate actions to block and delete the following fraudulent accounts from my credit report : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account Type : Collection Status : Collection account. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Auto Loan Status : Account charged off. {$53000.00} written off. {$57000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit card Status : Open. {$150.00} past due as of XX/XX/XXXX. 
I understand that as a consumer, I have the right to protection against identity theft as mandated by the FCRA. I expect the CRA to conduct a thorough investigation into these disputed accounts within 30 days, in compliance with the FCRA, and provide me with written updates regarding the progress of said investigation. 
Moreover, I insist on the protection of my personal information as granted under the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ). Any information regarding my credit report should remain confidential and should not be shared without my explicit permission. 
I am aware of my rights to consumer report privacy as stipulated by the FCRA, and these CRAs are not respecting these rights. 
Please note that I have provided all relevant supporting documents as evidence of identity theft, including FTC reports and correspondence with the respective companies acknowledging the fraudulent nature of the accounts. 
I expect that this matter is treated with the utmost seriousness and urgency. This is the last time I am requesting cooperation in handling this dispute fairly. If these fraudulent accounts are not promptly removed from my credit report, I will have no choice but to seek legal action against these agencies for failing to comply with the law. 
As a responsible consumer, I have been vigilant in addressing these issues promptly, and I believe in the fair and accurate reporting of credit information. I trust that this matter will be handled with the respect and adherence to consumer law that it deserves. I look forward to receiving a response and to see resolution of this dispute.
Consumer complaint received 2024-08-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privac 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
Consumer complaint received 2024-08-10
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. (AL)

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 2024-08-07
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name XXXX XXXX XXXX  Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$630.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$940.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$490.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$140.00} Account Name : XXXX : Account Number : XXXX : Balance : {$670.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$370.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2800.00} Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX : Balance : {$450.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$290.00} Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX : Balance : {$400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$580.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1400.00} Account Name XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$880.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-28
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$590.00}