davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under XXXX XXXX, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2024-10-03
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. (KS)

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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally dispute the denials of both my XXXX Line of Credit and XXXX Business Loan applications, issued through XXXX. These decisions were based on inaccurate and outdated information in violation of federal and state regulations. I request that these matters be investigated and reconsidered. I also want to highlight that the charge-off referenced in the denials is past the statute of limitations for credit reporting in New York and should not have been shared or reported, adding further violations to these denials.
Consumer complaint received 2024-10-03
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. (TN)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
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. (FL)

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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint regarding your failure to correct inaccurate information on my credit report for my account with XXXX, Account Number XXXX. Despite multiple written requests for correction, dated ( XX/XX/year> ), my requests have been consistently disregarded. This failure constitutes violations of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account indicates a failure to meet this legal requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies verify the accuracy of information in consumer files, which has not been adhered to in this case. The discrepancies in my credit report remain unresolved, showing negligence on the part of Experian to ensure accuracy as mandated. 
TILA Violations : The Truth in Lending Act emphasizes the requirement for accurate and timely disclosures to consumers. Due to the inaccurate reporting of a late payment, my creditworthiness has been adversely impacted, affecting my financial stability. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : The PAANL underscores the duty of creditors to provide timely statements, which would prevent unfair penalties, such as this late payment reporting, that harm consumers without due cause. 
The following discrepancies were noted on my credit report across all three major credit bureaus : XXXX : XXXX marked as 30 days late, although previous payments were timely. 
Experian : Similarly, XXXX indicates a XXXX late status despite consistent timely payments. 
XXXX : XXXX a XXXX late entry in XXXX as well, contradicting previous payments made on time. 
Nothing has changed despite XXXX previous disputes with Experian and the original creditor, and this continued misreporting has led to unnecessary harm to my XXXX XXXX and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notation from my credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly XXXX result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your attention to this matter. I trust that you will give this issue the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
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. (TX)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX  Subject : Dispute of Unauthorized Hard Inquiries I am writing to dispute unauthorized hard inquiries listed on my credit report. I did not authorize the following inquiries and request their immediate removal. In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card XXXX account under an open end XXXX consumer credit plan as late for and purpose. 

XXXX ) XXXX XXXX XXXX open XXXX says jointly and I have no knowledge of this and needs to be removed immediately. 
XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX  XXXX Open XX/XX/XXXX XXXX ) XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, And all the rest of the pictures down below
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC. (IN)

On XX/XX/XXXX I started researching consolidation loans and was offered an option through sofi of a 7 year term with a 12.34 % APR on {$35000.00} after inputting all of my information. 

I hesitated for a brief period with this loan as it's a very large amount but proceeded with my application on XX/XX/XXXX and authorized my credit pull late in the evening with a change to my rate showing at 12.61 % APR. 

Today, on XX/XX/XXXX after less than 12 hours later the sent me a new offer of 15.95 % APR. I still have not received any disclosures or any information throughout the loan process. 

I called them to ask why there was a difference and they couldn't provide me with any information. I then asked to speak with a manager. The manager came on the phone and they stated that my credit had come down XXXX points. I asked where their ranges fell for credit tiers and what I needed to be at for the previous rate and what factors had justified such a large increase and they refused to discuss this with me. She said she has told me all she can tell me at this time. I told them it seemed suspicious that it would increase such a large amount and them not be able to provide me with any information as to why. The only option I have on their website is to proceed with new offer. 

I can understand if I do not qualify for the rate originally offered however I have excellent credit and excellent credit history.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (UT)

Continuation of claim # XXXX, listed as closed. 

American Express refuses to return funds stolen from my bank account, presumably by American Express employees.

American Express continues to disregard concerns, and refuses to address missing funds. 

A

merican Express representatives refuse to speak with me regarding the theft and fraud perpetrated upon my account by American Express employees.

American Express refuses to to participate in the recovery of my funds beyond admitting they stole them and applied to another members account.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX 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 2023-11-11
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. (CT)

I am submitting to bring to your attention a matter of utmost importance concerning the accuracy and precision of my account record. The information currently associated with my account, particularly in reference to XXXX XXXX  with a balance owed of {$900.00}, is adversely impacting my credit report. I kindly request that you ensure the verifiability and appropriateness of this specific information, insisting upon its 100 % accuracy.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OUT TECH, INC. (PA)

Per CFPB agreements with credit reporting agencies, medical debt under {$500.00} should not be included on a person 's credit report. The debt in question is medical debt. I paid it to below {$500.00} and requested it be removed from my credit report. The debt collection agency updated the amount owed, but would not remove the debt from my credit report.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (KY)

I am not sure of the dates but I have spoken to Spring Oak Capital and asked for verification all they send me are the bills. I have asked many times for documentation that I signed an agreement with them to collect on this debt and they will not provide me with this information. I have disputed this with XXXX and they just tell me the debt is accurate but don't tell me anything else or show me any proof. The fact that the account is listed on my credit report as open but is in collections should be enough to get it removed from my credit report along with the missing verification that I agreed to even work with this company. Spring Oak Capital is not even the original owner of this account. So wouldn't I have had to have agreed to work with this company in order for them to collect on this debt. They can't provide the documents that shows that I agreed to work with them so in my opinion it should be removed from my credit report.
Consumer complaint received 2024-10-04
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)

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SECURITY FINANCE CORP (AL)

I applied and received a loan from Security finance in XXXX, AL. Upon the origination of the loan I verbally asked them to not call my place of employment. XXXX XXXX ( who refuses to give her actual name ) has called my place of employment asking for me multiple times. This is a violation of the FCDPA act. She then claims she never asked for me but spoke to me, but I go by my middle name at my place of employment. She then said She needed our corporate address which is public information.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Dear CFPB Dispute Resolution Team, I am writing to formally dispute inaccurate information on my credit report, which I obtained through XXXX on XX/XX/year>. I believe that the data reported by the credit bureaus contains errors that negatively impact my credit standing, and I respectfully request an investigation into these inaccuracies. 

Specifically, the issue is with the account reported by " XXXX XXXX, XXXX XXXX '' on my credit report. According to the reports from XXXX, Experian, and XXXX, the account shows late payments which are inaccurate. I have never missed any payments on this account or any other account. 

The credit report details are as follows : Account Name : XXXX XXXX XXXX XXXX Account Number : Ending in XXXX ( Full account number is available upon request ) Credit Bureaus Reporting Late Payments : Experian and XXXX Reported Late Payment : XXXX  days past due on Experian and XXXX Please see the attached screenshots of my credit report, which demonstrate that the account was reported as closed and fully paid as of XX/XX/year>. There are also consistent " OK '' indicators in the two-year payment history for each bureau, reflecting timely payments. Despite this, both Experian and XXXX report a XXXX late payment in the XXXX history section, which is erroneous. 

I request that the CFPB assists in investigating and removing these inaccuracies. The incorrect reporting of late payments has the potential to harm my creditworthiness unjustly. I am attaching copies of my credit report screenshots, which highlight these inaccuracies, as well as any additional documentation requested to assist in resolving this matter. 

Account Status for XXXX XXXX, XXXX XXXX : The account is marked as closed with a balance of {$0.00} as of XX/XX/year>. 
The " XXXX Year Payment History '' section for XXXX, Experian, and XXXX all show " OK '' for each month, indicating no missed payments. 
Inaccurate Reporting of Late Payments in the " Days Late - XXXX Year History '' : Despite the " OK '' history, both Experian and XXXX report a XXXX late payment in the XXXX history section. 
This is inconsistent with the " XXXX XXXX XXXX XXXX '' section, which shows all payments as " OK '' without any missed or delayed entries. 
Inconsistencies in Creditor Remarks : Experian notes that the account was " Paid, was past due XXXX  days, '' which contradicts the reported " OK '' status in every month. 

Thank you for your attention to this matter. I am confident in your ability to help rectify this situation and ensure that my credit report accurately reflects my payment history. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
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. (FL)

I was shocked to find unauthorized inquiries on my credit report this morning, with no clear explanation as to why. It was a routine check, yet these discrepancies popped up out of nowhere. After refreshing my browser multiple times to rule out technical errors, the issue persisted. Im deeply concerned and am asking for my submitted documents to be carefully reviewed so this problem can be resolved swiftly.