davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX XXXX TRANSUNION 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 TRANSUNION 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 2024-09-29
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Transunion, I am a victim of a data breach. Please block this information from my credit report within XXXX business days, pursuant to section 605b of the Fair Credit Reporting Act ; XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$9500.00}. 
XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$19000.00}. XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$34000.00}. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance.
Consumer complaint received 2024-09-30
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. (CO)

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 2024-10-24
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: Experian Information Solutions Inc. (GA)

These companies pulled my credit report without my authorization, and its had a direct impact on my credit score. I reached out to Experian, and although a representative promised these fraudulent inquiries would be removed, they are still present.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute inaccurate information that appears on my XXXX credit report. I am asserting my right. 

While comparing my XXXX and TransUnion credit reports, I discovered several discrepancy regarding the DATE OF LAST PAYMENT. 


XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) The FCRA was enacted to protect consumers from the inclusion of inaccurate or outdated information in their credit reports and gives consumers the right to dispute such inaccuracies. 
Section 611 ( 15 U.S. Code 1681i ) - Procedure in case of disputed accuracy : This section requires credit reporting agencies to investigate disputes within 30 days and to correct or delete any inaccurate, incomplete, or unverifiable information. 
Section 609 ( 15 U.S. Code 1681g ) - Disclosures to Consumers : This section entitles you to receive a copy of your credit report and any information contained in it.

Section 623 ( 15 U.S. Code 1681s-2 ) - Responsibilities of Furnishers of Information : This section mandates that data furnishers ( such as creditors ) must report accurate information and correct any errors promptly once notified of a dispute.

Fair and Accurate Credit Transactions Act ( FACTA ) An amendment to the FCRA, FACTA provides additional consumer protections, such as the right to obtain a free credit report annually from each of the three major credit bureaus. 

Specifically, on my XXXX report, the date of last payment is listed as XX/XX/XXXX while on my TransUnion report, the date is listed as XX/XX/XXXX. This inconsistency is affecting the accuracy of my credit profile. 

Please investigate and correct this error. I have enclosed a copy of my XXXX and TransUnion reports for reference, discrepancies.
Consumer complaint received 2024-09-20
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Opened XX/XX/XXXX Account Name : XXXX - Account Number : XXXX Opened XX/XX/XXXX Account Name : XXXX  - Account Number : XXXX $ XXXX Opened XX/XX/XXXX Account Name : XXXX  - Account Number : XXXX $ XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX  - Account Number : XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Opened XX/XX/XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Good Morning, I was enrolled in the Experian XXXX programme a few months ago with the promise that it would improve my credit scores by reporting my utility payments monthly. Before then, I recently applied for a mortgage loan. When my report was generated, it showed a {$750.00} Utility Self-Reported Loan, which I could not explain, and my loan request was denied. ( see attached below ) I have cancelled this subscription immediately and also reported it to the FTC. I hereby request compensation for this anomaly that has led to me missing a mortgage opportunity. I never requested a loan, and I wonder why this service, which you offered, has worked against my chances of getting one.
Consumer complaint received 2024-09-30
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. (TX)

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 XXXX  days of receipt of this complaint. 

items that need to be disputed : XXXX BANK XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - {$0.00} - Late/closed XXXX XXXX DC XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK OF XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} - Late/closed XXXX XXXX DC XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX DC XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Consumer complaint received 2024-10-24
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-24
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: Experian Information Solutions Inc. (PR)

I am writing to formally dispute an unauthorized inquiry on my credit report. I reviewed my credit report and noticed an inquiry from : XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> This inquiry was made without my permission, and I believe it is either a mistake or fraudulent. 

According to the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate. I kindly request that you investigate this inquiry and remove it from my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 
Thank you for your assistance.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Bureau Name : XXXX XXXX XXXX XXXX, Experian Bureau Address : Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report 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.

15 U.S. Code 1681i ( 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. 
Please remove the following items from my credit, please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
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. (TX)

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 2 out of 3 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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have two accounts on my credit report showing balance and they are paid off. I have submitted paperwork proving they are paid off and still show open with a balance. 

The credit reports are not being reported correctly causing me many issues. 


XXXX XXXX XXXX  Balance {$42000.00} Balance updated XX/XX/year> XXXX Balance {$36000.00} Balance updated XX/XX/year> 2024
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-07
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. (AZ)

To whom it may concern : Why do they report my name wrong in this report. They have the wrong person in these accounts please use my correct name as my drivers license and social sec XXXX XXXX XXXX the other person is not me. Please REMOVE NOW *** Violation of My Rights under the FCRA and Failure to Provide Method of Procedure in Adverse Action*** I am writing to address an ongoing issue with TransUnion, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have made multiple attempts to correct a problem regarding certain inaccuracies on my credit report, but TransUnion has consistently failed to provide the necessary information despite my valid proof. This continuous failure to comply with the FCRA 's rules of procedure has compelled me to bring this matter to your attention, and I kindly request your immediate action to resolve this issue. 
As a consumer, I have the right under the FCRA to request and receive certain information from consumer reporting agencies, such as TransUnion. This includes the right to obtain copies of my credit reports and the ability to investigate and dispute any inaccurate or incomplete information contained within them. The FCRA further stipulates that consumer reporting agencies must respond to these requests within a reasonable timeframe and provide a method of procedure for resolving adverse actions. 
Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number:XXXX  Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 
there is some inaccurate information reporting. 
Address is not mine XXXX XXXX XXXX XXXX az XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2024-10-16
Product: Mortgage — Conventional home 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. (CA)

I am writing to formally demand that PHH Mortgage Services immediately cease all unlawful foreclosure actions against my home, as these actions threaten to render me and my family homeless. 

Despite my numerous written requests, PHH has failed to provide me with a written itemized accounting of the alleged outstanding balance. Furthermore, I am aware that PHH is currently facing a class action lawsuit due to practices involving overcharging and fraudulent fees, raising significant doubts about the validity of the amounts claimed. 

Throughout this dispute, I continued to submit my monthly mortgage payments ; however, PHH has refused to accept these payments, thereby laying the groundwork for the unlawful foreclosure of my home. 

Additionally, the Notice of Default ( NOD ) recorded by PHH contains inaccuracies. Specifically, PHH has incorrectly listed my ex-wife, who is not on the recorded title and was removed from the mortgage during my loan modification. Her inclusion in the NOD is both erroneous and misleading, as she has no connection to the property. 

I formally dispute the amount stated by PHH and have requested a detailed written accounting, which has yet to be provided. 

Moreover, my home was transferred into a living trust months prior to the erroneous NOD, yet the trust was not referenced in the document. This oversight further demonstrates the lack of due diligence on PHH 's part.

PHH 's actions appear to disregard both federal and California laws designed to protect homeowners like myself, and their conduct suggests an intention to cause harm.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

I have requested an arbitration that I was sent in the mail. I am tired of being treated like this and insulted by wells fargo. With them falsely claiming there is no evidence. When they sent me a letter stating why they closed my account. Is because XXXX XXXX falsely accused me of harassing her. I don't have to put up with anyone picking on me. I'm sick of how I am being treated by wells fargo and their lies saying there is no evidence of wrongdoing. When my checking account was wrongfully closed. They have the letter that was sent by XXXX XXXX stating that wells fargo was exercising their rights to close my account. AFTER XXXX XXXX falsely lied about me saying I harassed her at the bank. It's their goal to further enrage me! Then saying for me to stay out of wells fargo bank. I'm not asking to go to wells fargo bank. Wells fargo was already made aware of me well before I even opened a checking account. This was all a set up by XXXX XXXX and her XXXX  to get me at the bank. For her to falsely call the police to have me arrested. How do they have the gall to say there is no evidence? They had no right to treat me the way I was treated. XXXX XXXX bragged that she never gets in trouble. XXXX XXXX was not so nice in her letter to me stating all these mean things and untrue things in the letter just like how XXXX XXXX wrote. " I never harassed XXXX XXXX. With all that they have been caught doing. They are still fighting me. XXXX XXXX is the one who slandered me at wells fargo and caused me all this pain and suffering that I had to go through for no reason and still going through it.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.