davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
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. (AK)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-12
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: Experian Information Solutions Inc. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-20
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 a victim of identity theft and requested the removal of this fraud account multiple times. I went back and forth with the bureaus since XX/XX/XXXX but to this day, the fraud account is still on my credit report. 

Please delete XXXX XXXX  XXXX - XXXX - date opened : XX/XX/XXXX ASAP. 

and delete these fraudulent inquiries : XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX. 

I have aattached my new and old FTC reports along with my IDs
Consumer complaint received 2024-07-12
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: Experian Information Solutions Inc. (NV)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-09
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: ACIMA CREDIT, LLC (NC)

hi i have so many accounts thats open i have not gave consent to or authorized or even use my ss number i also have 3 cases of police reports and im a victim of id theft i have accounts showed late and im making payments some saying i owe huge balances and i never open the account a house eviction and never been evicted i have some saying account closed but want removed off credit i also have some reporting and not sure who the company is i really will appreciate if everything can be removed ive dispute the credit all 3 credit companies dispute and investigated and nothing has changed. I also call the company that reports it they filed for dispute and its not removed these are not accurate at all
Consumer complaint received 2024-06-20
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)

This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and incovenience as it has impacted my ability to secure credit approvals.
Consumer complaint received 2024-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-08-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Porfolio Servicing received Hardest Hit Fund which is Government Funds in the total amount of {$60000.00}. The Funds were to be used towards the principle balance to assist the borrower.. Select Porfolio did not apply any funds to the principle balance which Select Porfolio Servicing failed to do so instead kept the funds. Where is the {$60000.00} that SPS finance received? The XXXX  assistance were supposed to be used for that purpose, thereby reducing the loan-to-value ( LTV ) of the first mortgage to no less than XXXX XXXX. This is done to help effectuate a recast of the mortgage, which lowers the monthly payment to better correspond to the market value of the home. XXXX assistance is paid directly to the loan servicer/lender for those homeowners deemed eligible to participate in the program. I was eligible for this program and Select Porfolio received those funds. XXXXXXXX XXXX XXXX XXXX has been informed and there is an open investigation as to where those funds went. SPS Finance is noncompliant as to where did the funds go and why weren't the funds applied to the principle balance. I will continue to file complaints until Select Porfolio Servicing or XXXX comply to what was done with the Government Funds.
Consumer complaint received 2024-06-21
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. (MS)

The following items listed below are all in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. Transunion, XXXX, XXXX, and also all the companies listed below should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from all XXXX bureaus and you will be able to see the proof of discrepancy within the credit bureaus. All the credit bureaus are reporting different dates of accounts being open, different charge offs, payment history, all inaccurate reporting violating 15 USC 1681. Each violation is subject to {$1000.00} fine per violation made by each party involved. XXXX XXXX XX/XX/XXXX, This company is reporting a charge off balance of {$120.00} to XXXX and Transunion only and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 1681 inaccurate reporting and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. This is also in violation of my privacy rights in the Privacy Rights Act of XXXX and needs to be removed immediately. XXXX XX/XX/XXXX Late Payment reporting by XXXX, and XXXX only, completely in violation of 15 USC 1681 inaccurate reporting, 15 USC 6801 illegal to report transaction history, 15 USC 6802 disclosure of personal information. I signed a privacy agreement with this bank that they wouldn't disclose my information to a third party company and all three credit bureaus are third party companies, therefore illegal to report of my credit file. The bank can't disclose my information and the credit bureaus can't report it. They both owe for compensation.
Consumer complaint received 2023-10-27
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. (VA)

I just recently spoke with two representative of Experian on information that's on my report that violates the FCRA they bluntly told me that they were approved by the FCRA and i couldnt delete my old addresses thats i explained is in risk of identity theft of my privacy, The CRA 'S must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy and they didnt grant me the ability to do so. They are also using deceptive business practices by keep asking for further identification proof when i already provided such things and threatening me manipulating me that I aslo need to get a police report with my FTC report... they are trying to overturn the congress rulings with there policies which is not fair and equitable. 

Please see the attached files
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I wrote a check in XX/XX/XXXX valued at {$5000.00} to XXXX XXXX XXXX. The check was not cashed by them and it was fraudulently cashed by someone else. I notified Bank of America that the payee on the check notified me that they never cashed the check and that I am a victim of check fraud. I have made multiple calls to the bank from XX/XX/XXXX to XX/XX/XXXX asking for them to investigate who cashed my check and provide me details. The send me a copy of the check with markings that are ineligible and continue to refuse to tell me who cashed my check. 

They said that it was cashed by a XXXX XXXX account which is not the bank that XXXX XXXX XXXX holds an account in. They are refusing to give me this information because they know the check has been fraudulently cashed by someone else. The are quoting their disclosure statements that if I did not inform them within 60 days of check fraud they are not liable. According to the Universal Commercial Code consumers have upto 12 months to report check fraud.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MI)

Hello, I had opened the Home depot credit card account with 0 % interest rate terms in XX/XX/XXXX. The terms signed had misleading advertising showing 0 % interest rate in bold large font and finance charges in fine print with no details of exactly what amount they will be charging each month after promotional period. They started charging exorbitant predatory interest charges XX/XX/XXXX onwards without any separate notification letter and these details were not apparent in the initial  advertising that they gave us to signup for the promotional offer. 

Homedepot started charging a huge amount of interest rate on my balance from XX/XX/XXXX onwards. Previous Balance : {$3800.00}. Monthly Interest Charged : {$780.00}. XX/XX/XXXX statement : Previous Balance : {$6800.00}. Interest Charged : {$150.00}. Autopay : {$220.00} was charged.

XX/XX/XXXX statement balance : {$6600.00} doubling the initial balance inspite of making the autopayment every month. 

Homedepot never sent any email notification or letter about the upcoming exorbitant interest rate change. The account was set up in autopay in order to avoid any late fee. 

I have requested Homedepot several times to waive/adjust the interest charges from XX/XX/XXXX since we were never notified, with any online or paper letter or email or phone call. I could have paid the whole balance of {$3300.00} by the due date XX/XX/XXXX if I were notified. The account is in good standing with no late payments due to the auto payments. All the online account notifications were turned off in the default settings of the online paperless account. We got access and went into the online account in XX/XX/XXXX and discovered these charges.

Autopay History fromXX/XX/XXXX.

PAYMENTS XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$210.00}XX/XX/XXXX {$220.00} XX/XX/XXXX {$74.00} XX/XX/XXXX {$39.00} Thank you, XXXX XXXX Ph : XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with 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 XX/XX/year> XX/XX/year>, and XXXX XXXX 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 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 2024-06-21
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
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: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX -- INQUIRIES -- XXXX XXXX XXXX XXXXXX/XX/2022 : XXXX XX/XX/2022 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 :
Consumer complaint received 2024-06-20
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. (TX)

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 2024-06-20
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. (MD)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2023-10-26
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2024-06-21
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 XXXX XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2024-07-18
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

I am writing to bring to your attention a concerning issue regarding inaccurate information on my credit report that I have been diligently trying to correct. Despite my repeated efforts to dispute and rectify this misinformation, it continues to be verified as accurate by the credit reporting agencies. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) by submitting detailed disputes with supporting documentation to the credit bureaus. However, the inaccurate information persists, negatively impacting my creditworthiness and financial standing. 

I am seeking your assistance in investigating this matter further and ensuring that my credit report reflects only accurate and up-to-date information. I believe that the continued verification of this erroneous data is a violation of my rights under the FCRA, and I am hopeful that the CFPB can help me resolve this issue promptly. 

Thank you for your attention to this matter, and I look forward to your assistance in correcting this persistent error on my credit report.