davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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: EQUIFAX, INC. (NC)

I recently obtained a copy of my credit report and Im just now noticing some inquiries that I have no idea what they are. According to 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Thank you for your prompt attention to this matter. These inquiries are fraudulent, and Id like them removed. I look forward to receiving confirmation of the removal of these unauthorized hard inquiries from my credit report. I await your response. Ive also sent a dispute to the consumer financial protection bureau and according the FCRA, unauthorized items must be removed. PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portnoff Law Associates, Ltd. (PA)

I received a letter from Portnoff on XX/XX/2023 stating Im being sued from unpaided debt that Im just hearing about And being notified. I applied to XXXX in XXXX and was approved XXXX XXXX the amount XXXX to pay towards sewer/ water utilities. Theyre stating they have not received, I spoke to an agent at XXXX and they said it was submitted to them on XX/XX/XXXX for {$5100.00}. 

Also, I have been paying my water bill in the account number XXXX on XX/XX/XXXX for {$400.00} and XX/XX/XXXX for {$200.00} and just finding out that this was going toward my Portnoff and theyre claiming they have not received. So where is my money at? I called the water company they state Portnoff has it. I called Portnoff they claim they never received. 

BELOW IS The addresss for the complaints to be going to *****First company is Portnoff law associates XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXthe second company ADDRESS is city of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Only trans. Union dropped my score XXXX points when there was no changes to my credit report without any new derogatory no late payments, but my score was dropped XXXX points and I would like my points back. I am trying to purchase a home and I need my score to be stable all my lines of credit are paid on time so my score should not have dropped XXXX points. Also it seems that when my credit lines decrease Trans Union decreases my score.
Consumer complaint received 2024-09-26
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. (DE)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-09
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. (IL)

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 has violated my rights. I looked at my Equifax credit report on XX/XX/year> 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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.
Consumer complaint received 2024-09-26
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. (MA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-09
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-26
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. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-20
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. (TX)

I contacted the credit bureaus regarding errors on my credit report. I asked them to conduct an investigation because the information I have is different and each bureau has different information from the other ones. There are errors on several accounts and I need it fixed as soon as possible. The credit bureaus have not conducted a reasonable investigation and they have not corrected my reports. I sent them documents on two occasions and they have not complied with their duty to correct or delete incorrect information. It is costing me greatly because my scores are suffering as a result of this and I have been unable to get a response other than their generic response without them actually investigating. Seeking legal help because at this point I don't know where to turn.
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MA)

We purchased our home in XXXX and the loan was modified in XXXX as we had difficulty paying about {$3000.00} monthly for house that we purchased at {$360000.00}. 

We received a letter from our present mortgage company, Mr. Cooper dated XX/XX/XXXX stating that XX/XX/XXXX marks the anniversary of the successful completion of your loan modification. Congratulations on reaching this important milestone This letter is to remind you of some very important changes that will go in effect on the above anniversary date. 

It also stated that an interest rate of 4.000 % would be applied starting XX/XX/XXXX and a monthly payment of {$2300.00} would begin from XX/XX/XXXX with a total number of payments of XXXX. 

I am attaching a scanned copy of the aforesaid letter. 

Our present mortgage company, Mr. Cooper, formerly Nationstar Mortgage, is trying to talk us into a refinancing agreement that will cost us more ( including a closing cost of {$3300.00} and an yearly interest rate of 4.75 % instead of 4.000 % ) than continuing with the term stated in the aforesaid letter from Mr. Cooper dated XX/XX/XXXX. 

I am attaching a copy of the recent communication from XXXX XXXX, the Loan Processor of Mr. Cooper dated XX/XX/XXXX. 

XXXX XXXX contact information : Email address : XXXX XXXX address : XXXX XXXX XXXX, XXXX, TX XXXX Phone number : XXXX ; FAX : XXXX In spite of insisting them to act according to the letter and emailing its copy, they are not honoring the commitments made in the letter. 

We would want them to go by Mr. Cooper 's letter dated XX/XX/XXXX word by word by ( i ) bringing the monthly payment to {$2300.00}, ( ii ) fixing the total number of payments to XXXX starting XX/XX/XXXX, and ( iii ) adjusting the extra payments we have been making since XX/XX/XXXX till to date. 

We feel helpless against these giant money lenders and seek your kind help in straightening up the matter so we are not unnecessarily prejudiced.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

This is my second cfpb complaint for this same issue. I have contacted the merchant ( XXXX ) and they have said they issued a refund in the amount of XXXX GBP to Chase for the transaction in question on XX/XX/2022. 

That refund was never posted to my Chase account. XXXX provided the following information via their online chat : Name XXXX XXXX Email address XXXX Order number XXXX XXXX XXXX XXXX code XXXX Name of the bank Chase Account holder 's name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX 

Please rectify this ASAP as it has caused my card to be at and over limit for beyond a years time. This has been a back and forth at my expense and now the onus is on Chase to rectify.
Consumer complaint received 2023-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc. (IA)

I added month into Skrill but when I went to transfer it to my debit card or bank account, my account went to restricted. Ive done everything they asked and they have even said I did everything they asked but still wont release my money.
Consumer complaint received 2023-10-28
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. (FL)

This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove, XXXX XXXX XXXX account # XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 
15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following item is inaccurate and negatively affects my credit. I previously disputed this account with the credit bureaus, and it was deleted from my XXXX report, but XXXX failed to perform an investigation and delete the disputed information. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Consumer complaint received 2024-10-16
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: Exeter Finance, LLC. (FL)

I have filed an FTC REPORT as these inquiries where not done with my knowledge or consent XXXX XXXX {$840.00} as of XX/XX/XXXX they have put this account into collections I have no knowledge of this XXXX XXXX XXXX  ran a credit report XX/XX/XXXX XXXX XX/XX/XXXX without my knowledge im not sure what this was for XXXX XXXX ran a credit report XX/XX/XXXX XX/XX/XXXX not sure why exeter finance llcXXXX ran a credit report on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ran a credit report on XX/XX/XXXX XXXX XXXX rand a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX credit report on XX/XX/XXXX XXXX XXXX  ran a credit report on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX a credit report on XX/XX/XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My account with XXXX XXXX TRANSUNION 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 TRANSUNION 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 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (DE)

Dear Transworld Systems Inc, I am writing to formally request validation of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt and require proof that I am legally obligated to pay it. Specifically, I request the following information : The amount of the debt : Please provide a complete breakdown, including any interest or fees. 
The name of the original creditor : Identify the original creditor, along with any documentation showing the transfer of the debt to your agency. 
Proof that you are legally authorized to collect this debt : Provide documentation demonstrating that you have the right to collect this debt on behalf of the original creditor.

Verification that the debt belongs to me : Include any signed agreements or contracts that clearly show I am responsible for this debt. 
Under the FDCPA, I am entitled to receive this information before any further collection activity takes place. Additionally, until this debt is properly validated, I ask that you cease all collection efforts, including reporting this debt to any credit reporting agencies, as doing so without validation is a violation of federal law. 

Please consider this a dispute of the validity of the debt, and do not contact me further regarding this matter unless and until you provide the requested validation. Failure to validate this debt will be interpreted as your inability to provide proof of my obligation to pay, and I will consider the matter closed. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Issue : XXXX XXXX XXXX is reporting a charge-off ( CO ) on my credit report every month for the past three years, indicating that I have an outstanding balance or am delinquent on my payments. This is inaccurate and causing harm to my credit score.

Laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a charge-off ( CO ) once, when the account is initially deemed uncollectible. 
XXXX XXXX Guideline 4.1 : A creditor can not report a CO every month, only when there is a change in the status of the debt. 
FCRA - 15 U.S.C. 1681i : A creditor must conduct a reasonable investigation of a dispute and correct any errors on the credit report.

FCRA - 15 U.S.C. 1681s-2 : A creditor must update the credit report to reflect any changes in the status of the debt. 
Violations : XXXX XXXX XXXX  reported a CO every month for XXXX years without a change in the status of the debt, violating FCRA - 15 U.S.C. 1681c ( a ) and XXXX XXXX Guideline 4.1. 
XXXX XXXX XXXX  failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report, violating FCRA - 15 U.S.C. 1681i. 
XXXX XXXX XXXX  failed to update the credit report to reflect any changes in the status of the debt, violating FCRA - 15 U.S.C. 1681s-2.

Damages : Harm to my credit score Emotional distress Loss of credit opportunities Request : Order XXXX XXXX XXXX  to correct the errors on my credit report Award damages for the harm caused by XXXX XXXX XXXX  's inaccurate reporting Impose penalties on XXXX XXXX XXXX for their violations of the FCRA and XXXX XXXX guidelines Supporting Documentation : A copy of my credit report showing the inaccurate reporting A copy of my dispute letter to XXXX XXXX XXXX  A copy of XXXX XXXX XXXX  's response to my dispute Additional Information : XXXX XXXX XXXX  's reporting of CO every month for XXXX years without a change in the status of the debt is a clear violation of the FCRA and XXXX XXXX guidelines. 
I request that the CFPB take immediate action to correct the errors and hold XXXX XXXX XXXX  accountable for their actions.