davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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)

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. 

I am attaching copies of my disputes that I want resolved by the Credit Bureaus immediately. XXXX, XXXX and Transunion are failing to do their jobs. 

Please provide detailed documentation showing the steps taken to verify the accuracy of this account. XXXX XXXX TransUnion LLC, '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reinforced that credit reporting agencies must conduct meaningful investigations into disputes and provide clear verification processes to consumers. 

All disputes will be uploaded.
Consumer complaint received 2024-09-27
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with Fair Credit Reporting Act : This creditor has violated my rights. 

Under 15 USC 1681 section 602 ; States I have right to my privacy.

15 USC 1681 section 604A section 2 ; Consumer reporting agency can not furnish my account without my written instruction.

15 USC 1666B. A credit agency should not treat a payment on an account XXXX XXXX XXXX XXXX XXXX  ) under an open and consumer plan as late payment for any purpose.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have filed this FTC Identity Theft Affidavit to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : 1. A personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX 
2. A personal credit card account opened at XXXX XXXX. 
3. A personal credit card account opened at XXXX XXXX XXXX. 
4. Another personal credit card account opened at XXXX XXXX XXXX. 
5. A personal loan account opened at XXXX XXXX XXXX XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
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. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

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 2024-09-27
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)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (GA)

I sent them a debt validation letter in XXXXXXXX XXXX XXXXXXXX, by certified mail, the return slip was returned after XXXX indicating they got my mail on XXXX XXXXTodate I have not received a response. 
Today XXXX XXXX I called the number XXXX XXXX XXXX to speak to someone, I was transferred to XXXX XXXX, I remember me speaking to this lady in XXXX when she called me threatening me, that my credit was going to get ruined, I will never ever be able to rent in the United States. Today she was rude again and told me they had decided not to send me anymore documents to validate because they have sent a couple of times. Its not true because I personally check my mailbox every day I have not received any documents from them. 
It's evident that this company fraudulently bought or obtained this debt to ruin my credit. 
I am a XXXX XXXX who has gone through so much financial stress since the XXXX XXXX XXXX XXXX XXXX XXXX.I have been living in XXXX XXXX XXXX because I can't find anything I get denied all the time because of this collection on my credit. 
This is what this company wanted to ruin my life.Amount is collection is {$5800.00} IQ Data international Inc XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Account XXXX : XXXX The business is reporting erroneous information to the major credit reporting repositories. From the attached, the business is reporting the following remark : " Affected by natural disaster ''. I have never reported to the business that I have been affected by a natural disaster. The only thing the business had to assist with was locating a missing check payment of {$2100.00} that was sent on XX/XX/scrub> 2024. 

Therefore, upon receipt of this complaint, please remove this erroneous information from all major credit reporting repositories.
Consumer complaint received 2024-09-10
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)

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 # XXXX, Account name : XXXX  XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX, has violated my rights. 


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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX XXXX - XXXX 2. XXXX XXXX - XXXX 3. XXXX XXXX XXXX XXXX - XXXX 4. XXXX XXXX - XXXX 5. XXXX - XXXX 6. XXXX XXXX - XXXX 7. XXXX XXXX XXXX - XXXX 8. XXXX - XXXX 1. XXXX XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX - XX/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 2024-09-20
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. (OH)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

( XXXX XXXX ) ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Complain 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 2024-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignment of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute that validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, NJ XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I request that my current address be updated accordingly. 

3. Contact Information : The phone number listed on my credit report I need be updated for this one XXXX. 

4. Born : My birthday is XX/XX/1967. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX. Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2024-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MN)

Hello, I have been on the XXXX plan since XXXX. I should have only accrued about {$600.00} in interest between my in school forbearance and COVID forbearance. Despite being told my loan would not accrue interest, and if any was accruing, it would be waived, my loan accrued interest and interest has not been waived. I made a {$1300.00} to try to pay down my loan while no interest was allegedly accruing. The entire amount posted to interest which should not have been charged. Interest continues to accrue and none has been waived. I requested a refund more than one month ago and have not received anything.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC (AZ)

I have tried for several months to get this resolved. 
You closed the case without any comment from me. 
I called and emailed Roundpoint again today. They said payments are not recevod on time. 
My bank shows Roundpoint receivng on or before the XXXX. of the month. 
They said my XXXX payment was not received till the XXXX. Bank shows the XXXX. 
Then my call was disconnected and they did not call back. 
I have tried again. 

XXXX Case #
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IN)

I am writing to file a complaint against LVNV Funding LLC for violating my rights under the following laws : 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLCl has not provided validation information, but yet have placed a collection on my credit report. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the chance to dispute the account.

12 CFR 1006.34 ( d ) : and 15 UFC 1681 S 2 ( 7 ) ( A ) : A collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law, which they are in clear violation of.
Consumer complaint received 2024-02-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company (MI)

We have been in the process of assuming a XXXX mortgage with freedom mortgage since XX/XX/2023. After about a month of waiting and calling, we were finally assigned someone to process the application. Another month passed and that processor reached out, asking for more information to close up the deal. We submitted all information and never heard from him again. A new processor reached out to us in XXXX to tell us that the other person didnt work with freedom anymore and that she would fast track our assumption quickly. We have not heard from her since. No one will respond to phone calls or emails. This is the absolute worst service we have ever experienced. The seller is losing money, we are losing money. Can someone please help? I dont think I will ever take a loan with freedom mortgage again in my lifetime.
Consumer complaint received 2024-02-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WSFS FINANCIAL CORPORATION (PA)

I was sent a mortage statement from a company ( XXXX ) that I had no knowledge of ever taking a loan with. The statement showed that my mortage was in arrears. I have never taken a mortgage with this company. Then I receive a letter that my house is slated for a Sheriff 's sale on XX/XX/XXXX from a Wilmington financial Christina trust that I also have no knowledge of who they are. I went to the sheriff 's Department who told me that they take their instructions from the attorney who represent the plantiff stated above. I have tried to contact all three above stated companies to no avail. I hired an attorney who took my money and then after very little effort for me told me to file for bankruptcy to stay the sheriff 's sale. Not sure what to do next!!!
Consumer complaint received 2023-05-31
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. (MD)

There has been a timeshare illegally reporting on my credit report ( EXPERIAN ) as an open/valid account. I've sent a FTC report to Experian as well but to no avail. This needs to not be reported on my credit report as i t does not belong to me. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debit, in fact therefore exists.