davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
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: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the EquifaxXXXX XXXX XXXX XXXX  data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-16
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. (TX)

I am challenging the accuracy of certain information reported on my credit file as it does not accurately reflect my financial transactions or history. This situation breaches the Fair Credit Reporting Act, under the provisions of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain reasonable accuracy in the information they report about consumers. Enclosed are the necessary documents demonstrating these inaccuracies. I urge a swift investigation and the rectification of this information to correct my credit report.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX my identity has been stolen from me and used against my rights. Someone has been opening fraudulent accounts in my name. I am inquiring that these accounts can be erased completed from my report but better yet investigate so it doesn't reappear again.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MS)

same creditor information on my report twice. its the same account but listed twice on my report. when dispute they keep saying account has been verified to be yours and accurate. I 'm not disputing the account is mine, I am saying its the same account on there twice. same start date and everything have asked them to remove duplicate several times and they keep saying the same thing also will not remove outdated information. I have several accounts that are past the drop off date ( date of last payment and date of last activity is past 7 years and have requested that they be remove from credit file and keep getting the same response. this account has been proven to be yours and information updated. again I am not disputing it was mine but that it is past the drop off date and I request it be remove from file. I have had a REAL problem with Equifax when it comes to removing incorrect information, outdated information and information to drop off. also I sent them a money order that stated the creditor agreed to remove negative information from credit report once money order is received and cashed. it is written on the money order. the creditor received and cashed it and the item is still listed on my credit report. I included a copy of the money order with the dispute and received the same reply each time. this account has been verified to be yours and has been updated. again I am not denying that it was my account but that the agreement was to remove it from credit file was money order was received and cashed and it was. I do n't know if they see multiple disputes from the same person and just send an automated response, but what I do know is that my request are not being addressed. please help. thank you
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I have been working hard to correct some inaccuracies on my credit report, and after contacting the credit bureaus in the past and recently in the last few months TransUnion continues to ignore me. I have received No response after 30 days and balance is not even on the creditor 's system because it was discharged, XXXX was sent, and I paid taxes. Transunion is misreporting it because they want to charge the credit or money for premiums every month. What another explanation is there because they ignore me completely. This is very scary! If this is happening to me. Who else is being affected? I have kids and am trying to just get into a home this year before rates go up, and I 'm getting this treatment. I paid my dues on the items in the letters attached. For XXXX of the accounts I received XXXX 's and did the right thing to pay taxes on the entire balance, and the creditor stated my obligation is done with them. Yes, Transunion zeroed the account and the re-reported the balance and dropped the score. Please help!! I know I 'm just one person, but I do n't want just to give up. Thank you, XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with 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.

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 2024-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing , Inc. has been trying to collect money through their escrow account, even though I never set up any escrow account. When I complained that I have homeowner 's insurance, they claimed that they had advanced property taxes. My attorney advised me that all claims from Select Portfolio were resolved in my XXXX  XXXX bankruptcy and that there was no escrow account associated with my mortgage. ( see attached ) Now they claim that I owe them one year of homeowner 's insurance, even though I had insurance continuously from XXXX XXXX until they canceled all policies in my community in early XXXX. There was a billing dispute with XXXX in XX/XX/XXXX, when I had switched to paperless billing, and their website would not accept my payment. XXXX claimed that my insurance was canceled on XX/XX/XXXX, and reinstated on XX/XX/XXXX. All of these disputes were resolved in my XXXX  XXXX bankruptcy, which I successfully completed and received discharge on XX/XX/XXXX, XXXX and Select Portfolio agreed that I did not have any escrow account, but now they are billing me for nearly {$600.00} for an escrow shortage dating from XXXX and XXXX.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (GA)

I have several concerns with experian. The 1st one is, I asked for verification on several accounts on my report. I received notices saying the accounts were verified. I then asked for method of verification through a BBB complaint on XXXX XXXX. I received a response yesterday saying the case was closed but Experian provided no response. 2nd, I requested my bankruptcy to be removed based on the current Civil Case No. XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, I did not know the source of their information on those bankruptcies and due to this, Experian has also violated the Fair Credit Reporting Act ( FCRA ). I was told the information for the bankruptcy was verified on XXXX separate occassions. I didnt ask for verification in my initial request, I didnt authorize a 3rd party to obtain or furnish any of my personal information therefore the bankruptcy needs to be removed. Also, In my conversation today with Experian Consumer Affairs associate, she denied to provide me with the method of verification which I am entitled to, not for just the bankruptcy request but for the other accounts that I requested verification on. I will upload a copy of the BBB complaint later. 3rd, I have accounts that were reported late by my student loan provided which was later corrected with all XXXX credit bureaus, however, 2 weeks ago Experian reported XXXX of these accounts as being negative and not paying as agreed from XXXX. I have correspondence from the bank where this was corrected in XXXX, Experian claims they dont have this information either.
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (IL)

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified several erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following accounts are erroneous and should be corrected on my credit report : XXXX XXXXXXXX XXXX XXXX Balance : {$27000.00}. I have included a copy of the dispute letter I preciously sent for your reference. I would appreciate it if you could provide me with an update on the status of my dispute within 30 days as required by the FCRA.
Consumer complaint received 2024-10-03
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)

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 2024-10-04
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 was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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.

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 2024-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-03
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. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - XXXX XXXX XXXXXXXX XXXX, XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$XXXX} - XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-03
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. (LA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-03
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. (TX)

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am demanding the immediate removal of several unauthorized inquiries from my credit report. These inquiries were made without my knowledge or consent, which raises serious concerns about identity theft or a blatant violation of my rights under the FCRA. Under Section 604 ( a ) ( 3 ), the FCRA strictly requires credit reporting agencies to have a 'permissible purpose ' to access or share my report. These unauthorized inquiries are illegal and do not fall under any permissible purpose. I expect these inquiries to be removed from my credit file without delay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-03
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. (CT)

My personal credit reports are being incorrectly used to defame my character, create a negative picture of me, and it's being done without my consent. I have never given permission to ANY of the following companies to report on my personal credit files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-03
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. (IL)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX  - XXXX - XX/XX/XXXX - {$4700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$16000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-03
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. (NY)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. This is your final warning. listed on my fraud report & listed below. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX