davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have sent several request to XXXX opting out of their system, in which it shows that XXXX XXXX XXXX has 7 bankruptcies, I have received 3 separate reports from XXXX where they show that I do not have any bankruptcies on my consumer public records report, all dated from XX/XX/XXXX through XX/XX/year>2024 and speaking with them on today XX/XX/year>2024, on both my public records report and my non-published public records report, there are no bankruptcies being reported, I placed yet another dispute ; dispute number # XXXX but on my credit bureau reports they are there, and it is saying that the records have been investigated and re-investigated as being VERIFIED AS ACCURATE AND UNCHANGED. Upon my receiving this information, I contacted the bankruptcy court for the XXXX XXXX XXXX XXXX, received a letter from them stating that 1. They do not report to the Credit bureaus and that I do not have any bankruptcies. 2. I sent to all three ( 3 ) credit bureaus letters requesting that this information be removed from my credit reports, but all have stated that they received the information from XXXX. 

XXXX XXXX XXXX refuses to provide me with an option to Opt-Out of their system, and they continue to furnish adverse information to XXXX, violating my right to privacy and to deny me my right under 15 USC 1692 to determine what information I want reported on my credit report.

I have furnished all three ( 3 ) credit bureaus with letters showing them the errors however when I receive my updated credit reports, the bankruptcies are still there after sending them all the reports and letters from the courts, XXXX, and myself demanding that they remove the public records report but it still remains and is causing me serious complications of my credit being denied and my scores decline and not being able to qualify for loans and credit increases.
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. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} - XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. (MD)

15 usc 1681B reasonable procedures states that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
That being said XXXX, Equifax, and XXXX  are reporting accounts that I dont want on there that are not accurate! And 15 usc 1681a states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! So all late payments are forms of a transaction I need all these things I want private and that are not accurate weather the debit was sold to another agency which means it was never mines if I wasnt there when it was being sold! Or the accounts are reporting as closed but still on my consumer report! Not to mention all of GAAP principals are being broken! Also XXXX had a massive data breach with all my information I didnt give permission for any reporting agency to report!
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an unexpected technical issue with the automatic payment system that was set up for this account. Although the funds were available in my account, the automatic payment did not process as scheduled, resulting in a slight delay. Once I became aware of the issue, I immediately made the payment, which was only a few days late. This situation was beyond my control, and I believe it should not have been reported as a late payment. 

Evidence provided : Bank statement showing sufficient funds on the due date. 
Confirmation from XXXX acknowledging the issue with the automatic payment and the prompt payment that was made immediately afterward.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-11
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. (IL)

In accordance with the Fair Credit Reporting act, account XXXXXXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-13
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. (FL)

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 ( 5 ), 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with 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 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. 


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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My XXXX XXXX Credit Card account ending in XXXX currently reflects a late payment on XXXX of XXXX due to an incorrect " Date of First Delinquency Reported ''. 

I paid this charged off account to settle the debt with XXXX XXXX and they have changed the date of first Delinquency. 

The " Date of First Delinquency '' should be XXXX of XXXX as reflected in my credit report from XX/XX/XXXX of this year prior to me paying the chargeoff. 

The dispute results confirm they have now changed this date to XX/XX/XXXX, this is not correct and should be changed back to XXXX of XXXX
Consumer complaint received 2024-09-13
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. (GA)

I have requested access to my credit report, tenant screening report and access to the online portal to dispute the last known inaccurate information on my credit report. Since then, using 3rd party applications, it appears that more inaccurate information has been added to my credit profile and Transunion makes it extremely difficult, if not impossible to dispute this information in a way that is reasonable and efficient. This is causing me harm and further legal action will be taken speedily to resolve and provide restitution for the harm being caused by Transunion.
Consumer complaint received 2019-12-23
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (WI)

I applied for a reverse mortgage with AAG in XX/XX/XXXX. I was approved but they said there were a few things I needed to fix. Clean up a few spots, and install carbon dioxide detectors. There were some other things that they said I needed to fix but they were outside and we had an early snow so they were going to set aside some money from the loan, after my contractor gave them a bid, for the work to be done in spring but I had to pay for the work first. Than they would give me the money back. I had to have the appraiser come back to check the few things I had to do. At issue was I have a lot of stuff in the basement and their underwriting department is making a big issue of this and they wanted me to move everything out of my basement so the appraiser could spend 5 minutes looking at the walls. I also had to pay for a structural engineer to come who gave me an all clear of the basement other than the few things to be done in spring.

I have written 2 letters to the president of AAG. I never received a response from him. I have spoken several times with a XXXX at their XXXX office who after dragging this out for yet another week told me today that now the underwriting department has decided that I have to now pay for the grading outside to be done that they already approved to be done next spring, that I have to pay for a mold inspection to be done, even though the appraiser only noted one mold spot and noted that it had been cleaned up. The spot was because my tenants wash machine leaked. And than I have to have the engineer come back. Again payment has to come out of my pocket. {$600.00}. And my application and appraisal will expire in 4 days. Tomorrow is XXXX eve. XXXX said they could do an extension but I have to have all the above done. When I asked why there was a change and basically the underwriting department can do what they want. 
I feel this is in retaliation for my complaints to the president and complaining about there processes. I feel basically harrassed. I am asking for your assistance in this and I think their should be some consequence for their behavior. I also feel they should reimburse me the XXXX I've had to spend trying to comply with their demands. XXXX XXXX
Consumer complaint received 2024-09-12
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. (PA)

XXXX XXXX XXXX : XX/XX/XXXX PHONE NUMBER : ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXXXXXX XXXX Type of disputed information : Secured Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 3 Account Number : XXXX Account Name : XXXX. XXXX XXXX  Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 4 Account Number : XXXX Account Name : XXXX XXXX XXXX  Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Thank you for your assistance Sincerely, XXXX XXXX
Consumer complaint received 2024-09-13
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)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am not able to access my credit report or credit score on XXXX website. I have an account with them. When I login and submit request for credit report and score, nothing happens. I paid for the score but nothing showed up. I can only see my score on XXXX XXXX and my score keeps dropping and I dont understand why. It just dropped XXXX XXXX. Also I am trying to submit disputes and it only allows one at a time. If that one dispute takes 30 days then I have to wait 30 days to submit another one.
Consumer complaint received 2019-12-23
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. (CA)

I discovered some accounts on my credit report that were opened on my behalf without my permission. I found out about these accounts today XX/XX/19 because I am in the process of buying a house and when the realtor ran my credit he told me that I didn't qualify for the loan right now because of these negative accounts on my credit report. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts. I did not benefit anything at all from these accounts that were opened without my consent and I have already filed a police report.
Consumer complaint received 2024-09-12
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: Experian Information Solutions Inc. (NY)

I am writing to address the presence of accounts on my consumer report that are linked to identity theft. These accounts were added without my written authorization or wet signature. Following my recent communication with your organization, I am formally demanding the immediate blocking and removal of these fraudulent accounts from my report. Their inclusion has caused me significant emotional and financial hardship by misrepresenting my credit history and obligations. If this matter is not resolved satisfactorily, I am prepared to pursue legal action to protect my rights. These unauthorized entries have impeded my ability to achieve crucial financial objectives, including purchasing a home and providing for my family 's needs.
Consumer complaint received 2021-12-16
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. (NY)

I have XXXX chase cards that have numerous fraudulent charges Due to these charges my accounts were closed and late fees have piled ontop of fraudulent charges after my wallet was stolen Chase has refused to take proper action and this is hurting my credit I have attached proof of my ID being stolen
Consumer complaint received 2024-07-31
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. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX