davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I applied for a mortgage loan modification in XX/XX/2023 and it was approved XX/XX/2023. During this time I was not informed the there would be credit and tax ramifications. After speaking to several different single point of contact representatives I was told about the negatives. I was informed that I should submit my credit report and ask for the late payments be removed. Then I was told by another representative that, thats what happens during the loan modification process. I submitted a dispute to each credit reporting agency informing them of this and nothing was changed. Calls are recorded so theres proof of what I was and was not told. Also during this process I would submit request documents and it would take a while before I would hear anything back or be informed anything additional was need. At this time they started sending letter with expected completion dates for next steps but with mail it would cause a delay. So I started to call weekly for updates and to see if anything additional was needed from me. One instance is that I have an XXXX XXXX fraud alert on all my credit reports. It wasnt told to me up front that a signed letter was needed from me stating that Im in the modification process and that Im requesting it. Shouldnt this have been something that was caught at the beginning of the process? Or when I submit my documents and time has elapsed the 60-90 days of my current LES are not acceptable because Im not in that window though my pay doesnt change. Each time this would happen it would set me back steps during the process. At the end I was approved for the modification but have 90 days of late payments due to the way my process was handled. I never received a call or spoke to the person that was assigned to my case. It was always another representative and some of the follow up due dates that were given in the letters were surpassed but now Im having to deal with the late payments for a process that should not have exceeded 3 months. Before this process I applied for refi. Hadnt heard anything. Would email, call and text the person assigned to my application and no response. I received a copy of the payoff request to Penny Mac from Penny Mac and assumed this were going accordingly. After some time I started calling the person assigned to my application and the numbers left from XXXX other people on her team. After weeks o finally got ahold of some and was told they tried to contact me to let me know I was not be able to continue the process. I received nothing other the the payoff request for the refi.
Consumer complaint received 2024-07-12
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)

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX todays date XXXX I recently looked at my credit report and I noticed you are reporting. ACCOUNT NAME XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX This account THIS WHOLE ACCOUNT MUST BE DELETED I did not authorize this account as I did a FULL INVESTIGATION OF MY REPORT this account is a fraud account! I have previously disputed late payments because I thought this account was mine, but this ACCOUNT is not mine. MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Todays date XX/XX/XXXX I have I have recently disputed this account it was updated but my request was to DELETE ACCOUNT NAME XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days. THE CREDIT BUREAUS AND ACCOUNT NAME XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already mad an identity theft claim thank you.
Consumer complaint received 2024-07-12
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)

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 Number : XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXXXXXX Account Name : 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 2024-07-12
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)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been checking my credit report regularly and keep finding a lot of errors on it, inaccurate information everywhere. This has been a regular occurrence on my report and my requests to correct it keeps getting ignored and it is extremely XXXX, it's XXXX my XXXX  and my credit score XXXX.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2018-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IN)

This complaint is with XXXX XXXX XXXX, I have bills showing up on my score that have already been paid, they have opened another suit on me for bills Ive paid and have garnished wages again trying to collect money on something that has been paid. Ive tried calling and telling them the situation but they are still trying to charge me again, and now I see them on my credit report. They are calling and harassing me still. Thank you!!
Consumer complaint received 2024-08-28
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. (TX)

My credit report contains many FCRA violations. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. I have documented all of the dispute letters I have sent your company since XX/XX/year>, and can prove your negligence and statutory damages in court. These accounts listed on my letter are not 100 % correct and I demand them to be removed from my credit report immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
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. (CA)

I have been victim of identity theft. My personal information has been used to obtain goods and services. i contacted XXXX and told them tht this inquirires are fradlent and provided prood, even though they told me that this inquiries were verified Please dispute and remove this fradulent inquirires from my credit report. XXXX XXXX  XX/XX/year> XXXX
Consumer complaint received 2024-07-12
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. (ID)

I am writing to formally dispute the fraudulent account that has been inaccurately reported on my credit report. I have thoroughly reviewed my credit report and found an account that I did not open and have no knowledge of. This account is XXXX affecting my credit score and does not belong to me. 

I am a victim of identity theft, and this fraudulent account was opened without my knowledge or consent. In support of my dispute, I am enclosing the copy of the Identity Theft Report filed with the XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
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. (IL)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2019-08-02
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. (CA)

Over the past 1 year, I have been dillegently demanding proper validations of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have NOT been provided the mandatory validations of these accounts which includes : * Signed and dated contracts from the above mentioned accounts * locations where these accounts were allegedly opened, representative name and contact information who opened these accounts * complete account numbers * account balances, opened closed dates These allegations are damaging my credit and causing me distress and loss of employment due to its adverse affects. 
I am a victim of identity theft in addition. 

This bureau is violating : * FCRA 611 ( 15 U.S.C. 1681 ) * FCRA 623 ( a ) ( 7 ) *FCRA section 1681c *FCRA 611 ( 5 ) ( a ) * FCRA 609 ( a ) ( 1 ) ( A ) * section 611 ( a ) ( 1 ) ( A ) I demand that these accounts be deleted immediately. Otherwise I will have no chose but to persue legal action immediately under ( Section 616 & 617 ) if you fail to comply with the FCRA.

I have several receipts for my USPS certified mailed, notarized affadavits to this bureau demanding complete validation of these allaged accounts as well as stated that I am a victim of identity theft and that these are not my accounts.

They have refused to validate or delete these adverse accounts/late payments from my reports.

You are required to have a copy of the original creditors documentation on file, according to the FCRA.

Simply sending me a generic response stating " account updated '' is not validation. 

Signed, Distressed Consumer, XXXX XXXX
Consumer complaint received 2024-07-12
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)

You are in violation for reporting incorrect information for accounts XXXX XXXX XXXX. The accounts were opened in XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) and charged off due to delinquency in XX/XX/XXXX with balance of {$500.00} ( XXXX ) and XX/XX/XXXX with a balance of {$1000.00} ( XXXX ). My credit report does not match this information. Furthermore, the payment history on these accounts proves their inaccuracy. How can XXXX bureaus report XXXX different sets of payment dates? I would like to see the original source of info as well as any documentation on file. Please also send me the paperwork that was used to 'verify ' these accounts. These accounts need to be removed from my credit report because they do not meet the requirements of the FCRA for inaccuracy.
Consumer complaint received 2023-10-29
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or 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 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My account with 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 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 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 2023-10-29
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: Experian Information Solutions Inc. (TN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX  I Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-07-12
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)

Upon reviewing my Consumer Reports, I noticed that there are XXXX or more inaccurate late payments recorded for accounts on which I have never been late. Consumer Reporting Agencies play a crucial role and have a responsibility to report consumer information with maximum accuracy. I have always made timely payments for the accounts. [ XXXX ] : [ XXXX ] Please investigate this matter and provide statements proving these payments were late. If proof can not be provided, I request that these payments be updated to reflect their accurate, on-time status as I was never late. 

Thank you,
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 XXXX  days before the payment due date. 


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 XXXX 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