davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
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. (AL)

I am writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-12-21
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: Mr. Cooper Group Inc. (FL)

This complaint is for providing knowingly false information by Customer Relations Specialists XXXX XXXX and XXXX XXXX, employees of RightPath Servicing while acting on their ( The Company 's ) behalf. In response letters dated XX/XX/2023 and XX/XX/2023, the Customer Relations Specialists mentioned, knowingly made false statements by claiming the XXXX master insurance policy for XXXX XXXX, provided by the borrower, does not provide insurance coverage equal to or in excess of an XXXX policy. This is a knowingly false statement as the Customer Relations Specialist was provided a SIDE BY SIDE image, a comparison of the XXXX master insurance policy and the XXXX policy purchased by RightPath Servicing . It CLEARLY shows the XXXX master insurance policy covers ALL of what is found ( insurance coverage ) in the XXXX policy purchased by the loan servicer, RightPath Servicing. The XXXX master insurance policy actually provides more coverage than the XXXX policy purchased by the servicer, RightPath Servicing XXXX The Customer Relations Specialist has taken the position that they can arbitrarily decide to accept or deny the insurance coverage provided by the borrower, in the form of a master insurance policy for XXXX XXXX XXXX. In addition, RightPath Servicing has never provided the requested documents, that being the actual master insurance policy the servicer claims to have reviewed on multiple occasions and proof of their claim that a previous insurance policy for the property had " expired ''. This complaint can not be dismissed as a previously addressed issue as the false statements in this complaint are unique as to the parties mentioned and the claims.
Consumer complaint received 2024-07-25
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. (FL)

" I reviewed my consumer report and informed your agency on [ XX/XX/year> ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (OR)

XXXX XXXX XXXX mailed a debt collection statement and refused to allow me to file a complaint without disclosing XXXX and other information. I persisted and reported the account claimed by " Comenity Bank XXXX 's XXXX '' was not an account of mine and demanded that they validate the debt and stop any action, notify the credit reporting agencies that the debt was erroneous and not to take any further debt collection action. The person who I spoke with was at a call center in XXXX and said that XXXX XXXX respond but not for up to 90 days. 
I then searched online and found numerous other complaints about both entities, Comenity Bank and XXXX XXXX XXXX. 
These companies should be required to comply with the law, and not use erroneous debt collection as a business and as a way to gather consumer 's XXXX 's and other personal information.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

THERE IS A XXXX  XXXX BANKRUPTCY DISCHARGE APPEARING ON MY CREDIT REPORT I HAVE CONTACTED XXXX AND XXXX AND EXPERIAN CREDIT AGENCIE SEVERAL TIME TO HAVE THIS ITEM REMOVED, THEY WONT REMOVED IT PLUS XXXX AND XXXX AND EXPERIAN CANT PROVID ME PROOF OF THE INFROAMTION ALSO WHEN THEY SEND ME A COPY OF MY REPORT THEY SAY ON THE REPORT THEY GET THEY INFORMATION FROM XXXXXXXX XXXX XXXX AND I CONTACT XXXX XXXX AND THEY SENT ME A COPY OF MY REPORT FROM THERE SYSTEM AND IT DOES NOT SHOW NO XXXX  XXXX BANKRUPTCY AT ALL THEY SENT ME A LETTER ADVISING TO HAVE THE CREDIT AGENCIES TO REMOVED THE NEGATIVE INFROMATION.
Consumer complaint received 2024-07-26
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 the company and i was never late! I have had exceptional payment history with this company 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.

This company 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 2023-12-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

I had XXXX XXXX service and always paid my bill but i found a more economical way with XXXX XXXX XXXX, then i called XXXX XXXX  to cancel my service, they told me to mailed the equipment back to them which i did through XXXX But later got a bill saying i have a balance for the tv equipment that wasn't return, even though i told them that a have the receipt, still they proceed to charge me {$470.00}, they also say included in the payment was a fee of {$140.00} below is whats on my credit report. 

SEQUIUM Collections Its important that you try your best not to fall behind on payments so your account doesnt get passed on to a collections agency. This usually drops your credit score significantly. 
SEQUIUM Reported : XX/XX/2023 {$470.00} Outstanding * Payment historyNo history is available * Monthly Payment Amount $ XXXX Source TypeCurrent RatingCollection/Charge-off * Account detailsAccount XXXX OpenedJul XXXX, XXXX ActivityDec XXXX, XXXX XXXX XXXXStatusOpenTypeIndividualHigh Balance $ XXXX Balance $ XXXX Adverse RatingCollection/Charge-offMost Recent Adverse RatingCollection/Charge-offCommentsAccount Information Disputed By Consumer * Collection agencySEQUIUMAccount XXXX
Consumer complaint received 2024-07-25
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protecte privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX account number- XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
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 XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (DE)

I am writing to express my dissatisfaction with your failure to furnish the requested documents and complete the debt validation process, as stipulated in my previous correspondences via mail. Given these circumstances, I insist on the prompt removal of the account you reported from XXXX. The fact that this is just being reported to only once by the credit bureau means that this collection account is definitely unverified and unjust. 

CREDIT CORP SOLUTIONS ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2023-12-21
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NC)

In XX/XX/2023, I contacted Comenity Bank to inquire about a hardship program for my accounts with them due to illness and death in my family. During this time, I fell behind on my payments on a few cards. After speaking to a representative on the phone, I was granted a hardship program. However, I was concerned about credit reporting during this time. Typically, companies freeze credit reporting or do not report you as late when working with you to bring your account current. When I asked the representative and supervisor, they informed me that they could not disclose any information regarding what would happen with credit reporting. 

I wanted to know if I was going to be reported late, so I could pay what was past due to avoid this happening. After signing up for the hardship program, I was still reported late on one or two of my cards, even though I had made the payments. I reached out via secure email in the portal and was told I would hear something in about 30 days. However, I received a letter in the mail from all three cards that reported me late. The letter stated that I don't qualify for a goodwill negative credit reporting mark. I don't understand why I wouldn't qualify, as I have always paid my accounts on time and have never been in this situation before.
Consumer complaint received 2024-01-23
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

When I signed up for the XXXX XXXX card, I was told there was " No '' interest for 12 months on charges I made. Once the 12 months expires, I will begin paying interest on whatever my balance is. 
I have been making all of my monthly payments on time and over the minimum due. I logged into my account today, and noticed that I was charged interest of {$400.00} on XX/XX/XXXX. Upon further inspection of my statements, I also noticed I was charged {$130.00} on XX/XX/XXXX and {$220.00} on XX/XX/XXXX all in interest charges. 
I called to Comenity Bank to find out why. I was told it was deferred interest charges. Once the promotional XXXX interest ends, I am charged 32.24 % interest rate for the entire charge made 12 months ago even through I have made every payment on time. I explained that I was never told it was deferred but that it was XXXX interest for 12 months, if balance wasn't paid off in 12 months, interest would start at the current balance. The supervisor said that they would have told me on the website about the deferred interest but this never occurred. 
They were unable to help me remedy this, so I asked that the account be closed immediately.
Consumer complaint received 2023-11-07
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. (NY)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 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 XXXX ) never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith 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 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 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
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (OH)

I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : SANTANDER CONSUMER USA # XXXX Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation
Consumer complaint received 2023-11-07
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. (TX)

in accordance to the fair credit reporting XXXX  account XXXX, XXXX, have violated my rights 15u.s.c 1681 section 602A states i have a right to privacy.

15u.s.c section 6042 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-02
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. (GA)

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.

-XXXX accounts listed has violated my rights.

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 : also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX Late payment XXXX, XXXX account never been late. 
XXXXXXXX XXXX XXXXXXXX Late payment XX/XX/XXXX account has never been late. 
XXXX XXXX - XXXX Closed Account account -May XXXX, XXXX agreed to remove the account from report but closed the account instead. 
XXXX XXXX XXXX XXXX ) -Jul XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX  -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-25
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. (MI)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2024-07-22
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)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act. XXXX XXXX account # XXXX have violate my federally protected consumer rights. Under 15 U.S. C.1681 section 623 of the FCRA and Regulation V that a creditor must not furnish inaccurate information to a credit reporting agencies. XXXX XXXX did not investigate this dispute to confirm that the information is accurate. I am writing to dispute and request the removal of outdated information from my credit report, as provided for under Section 15 U.S.C. 1681p of the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from Experian Credit Bureau, I have identified information that is no longer relevant and should not be included in my credit history. Under 15 U.S.C. 1681 section 602A, I have the right to privacy.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Enclosed, you will find the documents. I'm requesting that the bureau commence an investigation into these accounts, which erroneously indicate late payments on my part, even though I have consistently paid on time.