davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC (MN)

Following issues in linking a new bank account to target financial, I was provided an error message citing Certegy as denying my ability to use my bank routing number. It told me to request a consumer file and upon doing so would have the right to file a dispute. I contacted Certegy as instructed in the consumer file disclosure and their agent told me the decision was final, that they do not have a dispute process, and recommended that I pay XXXX in cash. I recorded the representative telling me that Certegy will not accept a dispute from me and am disturbed that they are not willing to allow consumers to fix errors such as this one. Certegy is refusing to allow me to dispute incorrect information about my account which is in use without issue at numerous other companies and for direct deposit without issue and has a balance of thousands of dollars. The recording attached showcases what I was told as a consumer after following the instructions in their disclosure letter to call a specific phone number, provide a tracking number, and request to dispute. XXXX has so far only been able to blame Certegy and is refusing my payments based on their decision. I have advised them if they are not willing to fix this I plan to close the account of 14 years as I find it offensive to be accused of fraud given my current status as a XXXX  XXXX, account holder of 14 years, and having no prior history of late/missing/bounced payments of any kind in store or online.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

These furnishers continue reporting false, inaccurate information on my credit report. Transunion and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense!

- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer.

If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge- off, collection or similar accounts. 
XXXX
Consumer complaint received 2024-06-24
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)

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

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-24
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)

Response to Companys Reply - CFPB Complaint XXXX To Whom It May Concern, I am writing in response to the company 's reply to my complaint dated XX/XX/year>, regarding the XXXX account XXXX in XXXX. While XXXX has stated that they conducted an investigation and verified the accuracy of the information furnished to the consumer reporting agencies, I am seeking further clarification on the specific steps taken during their investigation. 

As per the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau Regulation V, I request that XXXX provide a detailed account of the following : Verification Process : The exact steps XXXX took to verify the information provided by XXXX  XXXX, including any documentation reviewed and any communication with XXXX  XXXX. 
Any specific methodologies or criteria used to determine the accuracy of the information. 
Documentation : Copies of all documentation received from XXXX XXXX at the time of purchase, as well as any additional documents used in the investigation process. 
A detailed explanation of how these documents support the validity of the debt and the accuracy of the information reported to the consumer reporting agencies. 
Dispute Handling : A detailed explanation of the process followed by XXXX upon receiving my dispute, including any internal guidelines or procedures adhered to during the investigation. 
The name and contact information of the individual ( XXXX ) responsible for conducting the investigation. 
Compliance with Laws : Evidence of PRAs compliance with the Fair Credit Reporting Act ( as amended ), Consumer Financial Protection Bureau Regulation V, and any applicable state and local laws.

Documentation or records showing that XXXX  notified the consumer reporting agencies about the dispute and the results of the investigation.

The Fair Credit Reporting Act ( 15 U.S.C. 1681i ) mandates that furnishers of information to consumer reporting agencies must conduct a reasonable investigation of disputes. To ensure the integrity of this process, I request detailed evidence and documentation of the procedures and findings related to my case. 

I appreciate your prompt attention to this matter and look forward to receiving the requested information. This will help ensure that all relevant data is thoroughly reviewed and that the resolution process adheres to applicable legal standards. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX. XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have reported an identity theft account to all XXXX bureaus, i have provided a Columbus Police report and a FTC Report, XXXX has since removed the item from my report. Equifax and XXXX are still showing it.
Consumer complaint received 2024-06-24
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. (SC)

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 report 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 Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under the paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified 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 the information that the information has been modified or deleted from the file of the consumer. 

XXXX  XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$590.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX XXXX  Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$670.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$480.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$770.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$1900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX Start a dispute XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$2900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX  Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$340.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX
Consumer complaint received 2024-06-21
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. (ME)

According to XXXX XXXX XXXX XXXX XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws : 15 USC 16815 : Account # XXXX, XXXX XXXX XXXX, Placed in Collections XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-24
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. (PA)

According to my understanding of FCRA 605B, we need to remove any incorrect accounts from my credit report. Could you please look over the documents? An account is inaccurately reported, including wrong amounts and dates.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 2024-06-24
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. (VA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX 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 2024-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For the last 6 months i have been trying to remove negative items from my credit report so that i can buy a house for my family.. i have constantly been givin the run around or stall letters regarding to my requests or i have gotten communication saying that the accounts are verified and accurate but when i look at my accounts they are still reporting inaccurate ( violation of 1681e ( b ) ( b ) ) and when asked about the method of verification under 1692g i do not get any communication i have attached all of my letters sent over the past 6 months with the accounts as well - XXXX XXXX XXXX Account Number : XXXX Violation of section 807 15 usc 1692e false or misleading representations. The account is fraudulent and inaccurate. There is no payment history reported. You have a responsibility to report complete and accurate information. If this you can not report a complete payment history then you are reporting inaccurate information. There is also no date of last payment being reported therefore this is incomplete reporting on your end. 

- XXXX XXXX Account Number : I was never been 30 days late on this account and always paid on time this is reporting inaccurately. Update the payment status to paid as agreed. Remove this account for inaccurate reporting because the date of last payment is mising. Since you have of not reported the date of last payment is messes up two things. 

First it shows does not help indicate when this account was actually charged off and secondly it manipulates the statue of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of first delinquency and this is causing me stress being reported.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My account with ( XXXX XXXX XXXXXXXX ) 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 XXXXXXXX ) 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 2024-07-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (PA)

Was a XXXX  customer and switched to XXXX prior to the XXXX companies merging. XXXX XXXX  were returned to XXXX via prepaid packaging company sent. Apparently they did not update the account and it went to Jefferson Capital for {$7500.00} which I have attempted to dispute with multiple times. I have contacted XXXX  and received a letter from them that they no longer have a way to change the amount. Jefferson Capital now also has another company attempting to collect and they say Jefferson is the only one that can remove but cant get in contact with anyone or a response back from them. We are trying to purchase a home and with this in dispute we can finalize our funding.
Consumer complaint received 2024-06-24
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. (NY)

the company didn't provide me with information and didn't fix the problem since XX/XX/24 I still have this problem on my credit report that's giving me a hardship still. I filed multiple dispute and still have the same problem 15 USC 1681i- procedure in case of dispute accuracy
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-06-21
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. (PA)

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2023, I requested to Wells Fargo, who is the lien holder for my home mortgage, my PMI be removed. They sent me documentation on how to cancel PMI using new property value. I met all of their must haves ; no past due payments, no 30-day late payments in the last 12 months and no 60 day late payments in the last 24 months. Now the other " stipulation '' they have is that I must have an appraisal completed through a company called XXXX and my property must be valued at a {$470000.00} figure or more which will then bring my XXXX ratio to 75 % and PMI can then be removed. Being I had an appraisal done a week or two prior this request, which was also above {$490000.00} home value, I called Wells Fargo few times from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and asked if that could be used in place of XXXX and they said no. I asked why and they said I had to use XXXX as they are an independent, certified appraisal vendor who is not affiliated with the customer or us ( Wells Fargo ). They complete all valuations to ensure that our ( Wells Fargo ) customers get an unbiased assessment of the property 's value. I argued that the appraisal I got through my XXXX XXXX XXXX is also an independent, certified appraisal who is not affiliated with the customer ( me ) or you Wells Fargo. They decided to take a review of my appraisal and then declined using it saying that the cancellation options for PMI stipulate that the valuation must be requested in writing and the appraisal must be ordered through XXXX. I escalated this argument to the XXXX Office Case XXXX, XXXX XXXX XXXX XXXX and received a letter back on XX/XX/XXXX, XXXX stating the above.
Consumer complaint received 2024-07-16
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. (MD)

This is not my account I don't recognize this account and would like for it to be removed from my credit report. I contacted the company they said they would remove the account but haven't. It is severely impacting my ability to function and obtain credit to live. This account needs to be removed immediately
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :