davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDNELNET and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transferred and Closed : The account was officially transferred and closed on XX/XX/XXXX, and any late payments reported after this date should not have been reflected in my credit report. The delay in processing during the account transfer led to the incorrect reporting of late payments, which should not have been attributed to me. 
Payment History Prior to Transfer : I have a consistent history of making on-time payments before the account was transferred. The incorrect reporting of 120-day late payments is not reflective of my responsible financial behavior and payment history. 
Dispute Already Filed and Marked Resolved : I previously filed a dispute regarding this issue, which was marked as resolved. However, the late payment entries remain on my credit report, suggesting that the matter was not fully addressed and corrected. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

PURSUANT TO 15 USC 1681i-6b-iii, I requested a description of procedure used to verify the accuracy and completeness of the information pertaining to these fraudulent accounts that are on my credit report. I received no response showing me the description of procedure, which is a violation of the FCRA. 
There are multiple discrepancies and inaccuracies within the account information that Experian said they verified. There is incomplete and missing info such as last payment date, etc. Experian is falsely verifying fraudulent accounts with no valid proof.
Consumer complaint received 2024-10-09
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 unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the XXXX credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/year> XXXX XXXX XXXX : {$7700.00}
Consumer complaint received 2024-10-09
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. (CA)

In the last 30 days, I have asked that an account with XXXX XXXX  ( XXXX ) be removed from my credit report because it is over XXXX XXXX XXXX. It shows a last payment date of XXXX XXXX, XXXX  ( first missed payment ) on my credit report. Last payment date was actually XX/XX/year>. While I have stated this in my dispute twice now, it still remains on my credit report.
Consumer complaint received 2024-11-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: U.S. BANCORP (TN)

I am the seller of the property. Since XXXX of 2024, we received an offer and have been waiting to close with the buyer. On XX/XX/XXXX, we received word that the bank would work diligently to have a closing date in XXXX of 2024. As of today XX/XX/year>, we are still waiting on the bank ( US Bank ) to complete their process. They have limited us when it comes to conversations about the status of the sell. My family and I are starting to experience hardship due to US Banks negligence and incompetence. The buyer has been approved and they are just as confused to why the bank has not completed their process.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I called XXXX in order to receive the 1099-c for the car acct that is currently showing on my consumer report as charged off. This account was charged off in XXXX of 2024 and reported to such to consumer reporting agencies, and pursuant to the IRS manual, I am supposed to receive a copy of the 1099-c form when entities report the cancellation of an account to the irs. XXXX stated they are not required to provide me this information which is false as any debt cancelled over the amount of {$600.00} is to be reported to the irs as income to the customer. This form is necessary for me to receive as I need it for the upcoming tax year. XXXX can not continue to collect on a debt that they advised the IRS they cancelled. I am asking the CFPB to intervene in this matter and have this company send me the documents they are required to send after waiving a debt. The IRS has also been notified of this behavior and a report for securities fraud has also been made.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-22
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. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WA)

XXXX-Called to request an escrow analysis due to a decrease in my property taxes. I was told there would be a yearly analysis done in XX/XX/year> XXXX Called to see the status of my escrow account and to report misinformation. The mortgage company, newrez, indicates on their website that escrow analysis for those in XXXX  XXXX is in XXXX. Not as previously indicated on XX/XX/year>. The person had very broken XXXX and was of no help. The phone was answered by XXXX. 

XXXX Called and requested an escrow analysis as well as filed a grievance about the XX/XX/year> interaction. Was told it would be XXXX days, but since I filed a grievance this may escalate my request. The phone was answered by XXXX. 

XXXX Called to see the status of my previous request. The agent proceeded to tell me they had taken on XXXX accounts due to a merger and they were behind. I asked to be escalated to a manager who I could speak with. I was put on hold 4 times, coming back on to my call to let me know they were trying to find someone. The agent came back on to tell me they had spoken with XXXX who was going to escalate my request and this should be done within XXXX business days. The phone was answered by XXXX. 

At this point, I don't have much faith in their process. They currently have an overage of {$3700.00} in my escrow account with no upcoming payments due. They will continue to receive {$460.00} a month for escrow, while my total insurance and property taxes are currently about {$2000.00} a year until my escrow has been reevaluated.
Consumer complaint received 2024-10-08
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. (GA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-11-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo has chosen to exercise their right to not do business with me, this includes my checking and WellsTrade IRA. In the process they've placed two restrictions on the IRA which keep me from selling the securities owned in the IRA and so I'm unable to get my funds. I've called several times since the middle of XXXX to get the restrictions temporarily lifted so I can execute these actions and each time I get the sake response about sending an email to temporarily lift the restrictions and to call back in 24 hours. However when I do call back they say the same thing about sending an email even when I explain that I was just told that previously and on numerous other occasions. One restriction was lifted at one point but because of the second restriction I was still unable to do anything with the account. However that temporarily lift expired XX/XX/XXXX. Bit then another representative told me the restrictions are only lifted for 24 hours at a time. So I'm also being told conflicting information.
Consumer complaint received 2024-09-21
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. (MD)

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A credit card account opened at XXXX  XXXX on XX/XX/XXXXXXXX  Account number ( XXXX ) an credit card opened at at XXXX XXXX XXXX  on XX/XX/XXXXXXXX  Account number ( XXXX ) .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-08
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 information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX, Wells Fargo sent me check for {$770.00}. The cover letter did not explain what the check was for but it did reference my mortgage loan account number. I did not cash the check. On XX/XX/XXXX, Wells Fargo wrote again asking me to cash the check. I did not. 
Since XXXX I have been in litigation in SC state court regarding my XXXX mortgage loan. Among other things I have learned that Wells Fargo forged my loan application along with supporting documents to either underwrite my loan application or to create a justification for denying my modification requests. In addition, I discovered that the man who closed the loan was not a licensed attorney as required by SC law. 
I was a class member in the litigation titled In Re : XXXX XXXX " XXXX  '' Mortgage Marketing and Sales Practice Litigation, Case No. XXXX. Although the case was settled, I was denied a mortgage modification, as were most class members. Now, I understand that a new class action lawsuit has been filed regarding these unexplained checks, XXXX XXXX XXXX Wells Fargo et al., Case No. XXXX. I am interested finding out about these checks and their connection, if any, to my state litigation as well as my continued interest in obtaining a mortgage modification.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (CA)

I ask theme to pay to delete before I pay the debt but dont want to provide it to me. I pay the debt, iknow I have the rights to dispute this account.
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: Experian Information Solutions Inc. (AZ)

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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and 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 2024-07-16
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)

I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

XXXX refused to pay the excess balance in the GAAP policy that was purchased. The XXXX was totaled and XXXX stated that their GAAP insurance was not going to the full balance as the GAAP policy we purchased was deemed to cover any balance at 100 % of any default difference between the XXXX value and the balance owed on the XXXX. When we purchased the GAAP policy XXXX 's statement was this GAAP would cover 100 % of any balance owed, XXXX refused to cover the balance of {$770.00}. This was a fraudulent error by XXXX. All payments have been paid and are never late.
Consumer complaint received 2024-07-16
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. (AZ)

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer Error : My account was transferred in XX/XX/XXXX, and during this time, payments may not have been properly accounted for due to delays in processing the transfer. This should not have resulted in late payments being recorded.

Payment Processing Delays : Any delays in payment during this time were a result of systemic issues during the account transfer, not negligence on my part. All payments had been initiated within the required time frame, as evidenced by my payment history prior to this period. 
Dispute Already Filed : I had previously raised a dispute regarding this issue, which was noted as resolved by the credit bureaus. Despite this, the incorrect information remains on my TransUnion report, further suggesting an error in the final reporting. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive filed several different disputes with TRANSUNION In regards to a XXXX XXXX XXXX FILING CASE # XXXX THIS REPORT IS INACCURATE AND IN VIOLATION OF THE FCRA AND IS NOT ACCURATE 15 USC 1681e ( bj Ive never filed XXXX XXXX or petitioned for XXXX XXXX XXXXI went to BANKRUPTCY COURT AND TRANSUNION CONTINUES TO REPORT THIS INACCURATE MIS INFORMATION CAUSING ME FINICAL HARDSHIP. I ASK TO SPEAK TO A AGENT IN THE UNITED STATES AND WAS TOLD I COULD NOT BE TRANSFERRED. UNITED STATES BANKRUPTCY COURT DOES NOT SHARE INFORMATION WITH TRANSUNION AND TRANSUNION COLLECTS THERE INFORMATION FROM XXXX XXXX NOT THE SOURCE.
Consumer complaint received 2024-09-28
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. (NJ)

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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the 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 that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.