davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

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 all unauthorized accounts and inquiries.
Consumer complaint received 2023-07-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: US MORTGAGE CORPORATION (NY)

My name is XXXX XXXX, I was referred to XXXX XXXX by my best friend for a modification on my house. Unfortunately because of my desperation I trusted this so called mortgage/modification professional with my case. He first ask me for {$3500.00} on XX/XX/XXXX to start with my modification case and stop my foreclosure. After several months I ask why it was taking so long and XXXX said that the government was forgiving some back mortgage debt and that it was better for me to wait for the modification. He then ask me for a second transfer on XX/XX/XXXX for {$1200.00} saying that the bank underwriter over was asking for it to keep my modification application under the loop until everything was ready to be submitted. 
After a long while and not seeing any results or any documents I decided to called my lender and they had no idea of my interest in the property, they didn't know who this person XXXX XXXX is or was and they express they had NEVER communicated or worked with him. He works for Us Mortgages Corp so I also contacted US mortgages Corp in XXXX XXXX and they also stated they had nobody with this name work for their company. I was informed that nobody has submitted ANY documentation for any modification whatsoever. I, myself had to submit AAL DOCUMENTS and application to start the modification myself without the assistance of nobody. XXXX XXXX just scammed me my {$4700.00} and didn't help me with ANYTHING I spoke to XXXX XXXX on XX/XX/XXXX and demanded my money back since he didn't submitted any documentation to the bank and to NOBODY. I have him on voice recording agreeing to return me my money by XX/XX/XXXX but he has yet to return me my money. There is no records of no documents filed by XXXX at all. On XX/XX/XXXX, I had to start and submit the documents for the modification with my lender.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I have received a 1099-C form from XXXX Bank , which I have filed on my taxes, making the balance currently being reported incorrect. The debt has been forgiven, meaning XXXX Bank has canceled the remaining balance and no longer expects repayment. 

Please review the 1099-C documentation and remove this account from my credit report due to the inaccurate balance. 

{$4900.00} XXXX XXXX XXXX
Consumer complaint received 2024-07-05
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-09-24
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. (CA)

In accordance with the fair reporter, list of accounts below has violated federally, protect consumer rights to privacy and confidentiality and confidential and confidentiality under 15 US C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX has violated my rights. 

XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX ) Account number XXXX has vilolated my rights. 

XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX account number XXXXXXXX XXXX XXXX  account number XXXX 15 US C 1681 section 602 a states I have the right to privacy 15 US C 1681 section 604 section 2. It also states the consumer reporting agency can not furnish account without my written instruction.

15 USC 1681C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items information any other adverse item of information other than the records of convictions of crimes, which atntedates the report by more than seven years 15 USD 1681 S 2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-24
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. (TX)

XXXX IS NOT RESPONDING TO ANY OF MY DISPUTES AND COPIES OF MY IDENTIFICATION HAS BEEN PROVIDED ON SEVERAL OCASSIONS. SEE ATTACHED COPIES OF DISPUTES THAT HAS BEEN SENT TO XXXX, XXXX AND TRANSUNION. 

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

I WANT ALL OF THESE ACCOUNTS EITHER VERIFIED OR DELETED
Consumer complaint received 2024-09-25
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)

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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My account with ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX 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, XXXX XXXX XXXX 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 2024-07-27
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. (IA)

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 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (IL)

In XX/XX/XXXX, i was relocating to From XXXX, back to XXXX.I called up XXXX XXXX  and told them i was relocating and that i don't know the address just yet. They have put my account on hold till i get my place set up. This way no new charges will accrue.Once i established my residence in XXXX, i called up XXXX  XXXX  and set up an appointment for them to come out to install my service at my new residence. When they came out, they informed me that they could not set up my service at my new residence due to no signal in my area. Apparently, there were a lot of trees and buildings interfering with the signal and had no way to install it. So i called up customer service and informed them of the situation and was told since this is the case, then they will have to let me out of my contract due to weak signal in my area. I was told i would not get an early termination fee due to this.The installation guy did confirm this.When i received my bill, i kept receiving charges for an early termination fee and kept fighting to get it corrected.Also there were charges for the satellite boxes that were returned.In XX/XX/XXXX, i called again and talked to a supervisor that finally took the charges off my bill. My bill showed i owed {$0.00}. I return all 3 boxes back to XXXX   XXXX  at the XXXX store which i enclosed a copy of the receipts for all 3 satellite boxes.I assumed everything was good because i have not received any bills since then. Now a year later,XX/XX/XXXXi received a bill from a collection agency, stating i owe this amount for XX/XX/XXXXXX/XX/XXXXservice and is threatening to put it on my credit report. This debt had been cleared from XXXX XXXX a year ago! They are trying to collect on a debt that had been cleared by XXXX XXXX. I should not have to pay for services that i never received due to no signal in my area.This is a violation of my rights under the fair credit reporting act! It is illegal for the company to sell a debt that was cleared and not owed! This is fraud! I have a receipt for the satellite box returns. If they go back to XXXX XXXX and look at the notes dated in XX/XX/XXXX, they will see that the charges were in fact taken off my account. Its not my fault they could not get service set up for me at my residence! They assured me that the charges were taken off and i owed {$0.00}. Don't they look at their notes on my account? How can they reopen an account that was cleared out after a year? This has just happened to because in the course of the year i had got no communication regarding this debt, and all of a sudden now.It seems like someone added this bill back to my account! This is not right and want to file a complaint against this company for unfair credit practices! They can not sell a debt that was cleared by the original company!
Consumer complaint received 2024-07-28
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)

The following account was charged off as of XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. Also the balance is increasing every month to a charge off account. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. You failed to reinvestigate my credit report properly. 

Account : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

A XXXX  card is reporting to my credit report that is not my personal card and should not be reporting to my personal credit report. The card was opened in XX/XX/XXXX but did not report to my credit report until XX/XX/XXXX. This card needs to be removed from my personal credit report immediately as it is a violation of my rights under the FCRA. The credit bureaus did not conduct proper investigations into the matter.
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 XXXXXXXX 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 XXXX ( 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 XXXX ( 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 XXXX 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 XXXX
Consumer complaint received 2024-09-25
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)

I am writing to you as the holder of XXXX XXXX account number XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely,
Consumer complaint received 2024-09-19
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. (OR)

I've repeatedly tried to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but it remains unaddressed. This unauthorized information, linked to my name due to identity theft, has severely affected my life, causing considerable distress.
Consumer complaint received 2024-09-20
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. (FL)

I've previously informed your organization about accounts on my consumer report linked to identity theft, which I never authorized with a written signature. I'm formally requesting these accounts be promptly blocked and removed from my report. Their presence has caused me significant distress and inaccurately represents my credit history. I'm prepared to take legal action if this isn't addressed properly, as these fraudulent items have hindered important financial goals like purchasing a home.
Consumer complaint received 2024-09-20
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX