davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Under the 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] these creditors violated my rights XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Child Support XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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. 
( b ) Reasonable procedures. It is the purpose of this title to require 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 in accordance with the requirements of this title.
Consumer complaint received 2024-07-14
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. (OH)

I seen some unauthorized inquiries on my credit report XXXXXXXX XXXX XXXX XXXXXXXX XXXX 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Unfortunately my dad took out credit cards in my name while I was at school. I still have another year of XXXX XXXX but there are XXXX accounts that are not mine and I have no way of paying these charges he racked up. I have contacted the XXXX major reporting agency as well as the credit card compainies and they are still reporting this to be my debt. Please help. The accounts are as XXXX XXXX XXXX XXXX XXXX XXXX Not XXXX of those charges is mine nor did I sign up or agree to have those cards. Thank you
Consumer complaint received 2024-07-15
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. (NJ)

I have contacted XXXX, XXXX and Equifax on more than one occasion explaining that the following accounts are not mine. The following accounts listed on the credit report are inaccurate and do not belong to me. I have explained on a number of occasions that I have never opened a credit card with XXXX XXXX or XXXX. I have explained via email and a letter and they are still listed on my credit report. XXXX has yet to address these matters.
Consumer complaint received 2024-07-19
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. (LA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 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
Consumer complaint received 2023-11-01
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. (CA)

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Consumer complaint received 2023-09-28
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. (TN)

Account Details Account Name : Department of Education/XXXX XXXX XXXX XXXX XXXX I would like to bring to your attention that this account is being reported seven times on my credit report, each with a different amount. This repetitive reporting is inaccurate and adversely affecting my creditworthiness. It is crucial to note that I have no association with this debt, and it is not my responsibility. 

Furthermore, I have observed that this inaccurate information is reflected across all three major credit bureaus - TransUnion, XXXX, and XXXX. This inconsistency only deepens my concern, as it implies a significant discrepancy in the reporting process. 

I kindly request that you take immediate action in accordance with the Fair Credit Reporting Act ( FCRA ) laws to rectify this issue. According to FCRA, it is incumbent upon credit reporting agencies to ensure the accuracy of the information they report. Section 611 ( a ) ( 1 ) ( A ) of the FCRA stipulates that ... 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... the consumer reporting agency shall, free of charge, conduct a reasonable reinvestigation... 

The inaccuracies in this reporting not only tarnish my credit profile but also constitute defamation of my character. I implore you to promptly remove this erroneous information from my credit profile, as it is imperative to restore the accuracy and integrity of my credit report. 

I am providing the following supporting documents for your reference : a picture showing seven different accounts on my credit profile which is inaccurate reporting I kindly request that you acknowledge receipt of this dispute in writing, along with a detailed outline of the actions taken to address this matter. Please be advised that I am keeping a meticulous record of this correspondence for my own reference. 

Thank you for your immediate attention to this matter. I trust that TransUnion, XXXX, XXXX will undertake the necessary steps to rectify this situation promptly and restore the integrity of my credit history.
Consumer complaint received 2023-11-16
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. (NC)

I am reaching out for the XXXX time to submit a complaint regarding the urgent need for removal of specific fraudulent items from my credit file. The details of the items requiring deletion are outlined in the attached report. As a victim of identity theft, I affirm that the charged transactions and opened accounts listed in my credit report were not authorized by me. It is imperative that these items be promptly removed to rectify the inaccuracies in my credit history. To substantiate my case, I have reported the identity theft to the Federal Trade Commission and have attached copies of the Identity Theft Report they provided. I want to emphasize that I have never granted access to my private and confidential records, especially not to the alleged information currently displayed on my credit report. In accordance with FCRA Section 605b, I kindly request that the Credit Bureaus expeditiously remove these inaccurate pieces of information from my credit report. Please take immediate action to delete the following items within the next 15 days, before my scheduled credit report update : 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 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 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
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax is continuing to report incorrect information ( late payment, when there is not ) and incorrect account status ( open, when it is closed ) on my credit report. 

As seen in attachments : XXXX has DELETED the incorrect late payment in writing. 

XXXX has DELETED the incorrect late payment ( and correctly listed the account as closed ) in writing. 

XXXX XXXX XXXX  themselves, attests that this late payment should also be DELETED in writing. 

Equifax has also DELETED the incorrect late payment in writing, yet they have recently contradicted their own finding and correspondence and have now re-listed this payment as late and the account as open... Both are incorrect and is causing harm to my credit report. 

This has been the THIRD time I filed a complaint against Equifax about the same issue that is still unresolved... 

I demand for Equifax to follow the correct decisions of XXXX XXXX XXXX, XXXX, and XXXX to promptly DELETE this incorrect late payment still showing on XX/XX/2022 from XXXX XXXX Bank and for this account to be officially marked as CLOSED. 

Especially since this is the THIRD time I have filed a complaint against Equifax on the same issue with no permanent resolution, failure for Equifax to permanently DELETE this incorrect information and failure for Equifax to show this account as CLOSED will result in immediate small claims lawsuit after the allotted time set forth by the CFPB and applicable laws.
Consumer complaint received 2024-07-19
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. (AR)

15 U.S. Code 1681 states Reporting Transaction history is illegal.

`A Charge off is considered a certificate of indebtedness which means it is income and must be removed.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MA)

For the second year in a row, Mr. Cooper failed to pay my homeowners insurance premium out of escrow on time. Last year, I caught the mistake on time. This year, I did not. My insurance company canceled the policy and would not rewrite it. As a result, I had to switch to a new insurance company to secure new homeowners insurance. Mr. Cooper 's repeated negligence caused me to suffer substantial damages. Those damages include ( XXXX ) Loss of my existing policy and its coverages ( XXXX ) Cost of exorbitantly priced and under-serviced interim policy purchased by Mr. Cooper to cover the gap. The interim policy that Mr. Cooper purchased " on my behalf '' was more than double the premium of my previous policy, for only a small fraction of the coverage. 

I wrote to Mr. Cooper directly asking them to ( XXXX ) Acknowledge the error in failing to pay my homeowners insurance premium in a timely fashion to XXXX XXXX via our escrow agreement ( XXXX ) Absorb the cost of the force-placed hazard insurance policy, as it was placed only because they failed to make the escrow payment per their obligation. 
( XXXX ) Close my escrow account immediately, refund the remaining balance to me, and remove escrow payments from all my future monthly statements. In the future I would like to make all my insurance and tax payments directly so that I can be certain they will be done. 

I spoke to a Mr. Cooper representative on the phone, who told me that he could not cancel my escrow account because there was an instance of my real estate taxes not being paid on time. I reminded him that Mr. Cooper also pays my real estate taxes out of the same escrow account, and again that would be their failure. They could not tell me anything more about the supposedly late real estate tax payment, but if that did in fact happen it would be the third instance of Mr. Cooper failing to make an escrow payment on time ( and they have only had this mortgage for XXXX years... ) Since I could not get anywhere over the phone, I sent my complaint in writing via their online system. They responded XXXX weeks later that they were forwarding it to another department. Now, XXXX weeks after that, I still have heard no additional response. 

Their system of correspondence seems to be set up to simply fatigue you into giving up. After countless calls, automated phone trees, content-less letters, I still can not get any answers or action out of them. After a couple months of dealing with this to no avail, I am turning to the CFPB.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have two accounts that have multiple inaccuracies between all three credit reports. Reinvestigate the completeness of every piece of information and if the information is not correct or accurate, the account needs to be deleted from my credit report. 

Below are the inaccuracies across all three bureaus from each account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-14
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. (AZ)

XXXX XXXX XXXX, XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error. I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. They reported this billing error XXXX times across the span of XXXX, XXXX. They reported XXXX, XXXX of XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX ; as well as XXXX of XXXX as late payments. I did not receive a statement 21 days before the late payment error. Within each of these statements, I was assessed a late charge and interest accrued, adding to approximate amount of {$47.00}.

Furthermore, IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. Each statement writes they will not report me as delinquent on my report. 
Both Equifax and XXXX are reporting negative information on my account on my behalf without my permission, which is a violation of I5 USC 1681b.This account should be listed as PAYS or PAID AS AGREED.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX aka XXXX XXXXXXXX XXXX website failed to process the payment setup, led to a XXXX day delay of a payment of {$130.00}. XXXX failed to notify through a letter/phone. Account is paid in full since XX/XX/year> as soon as I noticed that XXXX XXXX XXXX has failed to process the payment. The Late payment is XXXXXXXX XXXX  issue and still XXXX has disagreed to remove negative information from my credit report and hurting my credit. 
XXXX should remove the negative information asap for me as well for any other customers who faced similar website payment processing issues.
Consumer complaint received 2024-07-14
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. (AR)

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 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-14
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. (MO)

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 use 1681. 

XXXXXXXX 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 XXXXXXXX 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years. 

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am a consumer exercising my right. XXXX has continually failed to provide accurate documentation of said charged off /paid off debit. They continue to show a incorrect balance although they also state the loan was written off. When I contact them I have had multiple representatives state they do not show any records of a balance due. Loan was opened during a time where they failed to provide an internal score and now I am a victim of a class action lawsuit.claims are not applicable to them as a defense. Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property. Meaning all debts with a finance charge comes with insurance in case of default. Insurance, interest, services, deliver fees, loan fees, broker fees, fee to cover defaults, are all included in the finance charge. Pursuant to 15 USC 1605 ( a ) ( b ). On this contract it states otherwise see exhibit XXXX. I have the right to rescission with the right to keep the property, return of any money involved in the transaction pursuant to 15 U.S. Code 1635 ( b ), upon the right of rescission, I am no longer liable for any finance change. The creditor must terminate any security interest, return any money or property, earnest money, down payment or otherwise past payments and because the property has been delivered and in my possession I have the right to retain possession of the property