davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-28
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. (SC)

I am composing this to formally dispute any inaccuracies that might have surfaced on my credit record. Upon meticulous examination of the data, I have discovered some significant errors in the account specifics. The fact that these mistakes can negatively impact my prospects and financial status makes me concerned. 

These anomalies need to be promptly resolved in order for my credit profile to continue being accurate and legitimate. As required by the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into the disputed items and their immediate correction. 

I've attached supporting documentation that outlines the distinctions for your review and thought. Your timely attention to this matter is greatly appreciated, since it is essential to maintaining my financial stability.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete
Consumer complaint received 2024-06-05
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-15
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. (GA)

according to the IRS an unpaid charge is income and according to the FCRA income can not be reported on a credit report, I received a 1099-c ( cancellation of debt ) for the following charged off accounts listed below after checking my mist current report the updated information stated this account was still being reported. this account can not be reported as a charge off on my credit report please cease the reporting and delete this account XXXX XXXX ACCOUNT NUMBER : XXXX Despite the cancellation of debt, I noticed that this account is still being reported as a charge-off on my most recent credit report. This is in direct violation of the FCRA, which mandates that income can not be reported on a credit report. 

Therefore, I kindly request that you cease the reporting of this account as a charge-off and promptly delete it from my credit report. Failure to do so may result in legal action.
Consumer complaint received 2024-07-30
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. (KY)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX
Consumer complaint received 2024-06-05
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)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score XXXX Account Number : XXXX, XXXX. Why are there multiple account numbers? In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. You are also reporting multiple errors and inaccuracies across all bureaus why? should all information match and be 100 % accurate under the FCRA? so you are in violation and I demand this account be delete immediately for violating my consumer rights! under 15 USC 1681n Civil Liability I demand monetary relief! if you are doing this to me you are doing this to multiple consumers.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is one of my numerous endeavor 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 an alleged fraud or extortion. XX/XX/XXXX XXXX and XX/XX/XXXXXXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-06-06
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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2015-09-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (ME)

Dear Sir or Madam, I 'm writing to get some assistance in dealing with Nationstar Mortgage. I modified my mortgage with them in XXXX, which was quite an ordeal because they lost my documents numerous times and caused 9 months delay, causing more interest and they added {$3000.00} in attorney 's fees. They added {$4300.00} capitalized to the balance of my loan at that time to correct the escrow account. There was no shortage until they started adding approximately {$160.00} each month as a cushion to my escrow account. That 's over {$1900.00} a year of my money that they are using. 
My issue with them currently is that they will not allow me to pay my home insurance and taxes directly. A year ago I started paying taxes and insurance directly because Nationsta r was cushioning my escrow account in excess of maximum that the Maine State law allows. I sent them a statement telling them I would be paying directly and why. I asked for a waiver form to cancel my escrow account and proof that my insurance was paid for the next year and continued to request this every month while I also sent proof of my tax and insurance payments. Nationstar is in violation of Section 10 of the RESPA which states the limits on escrow accounts. Please see the XXXX pages of documents I have attached to this complaint to prove my case.
Consumer complaint received 2024-05-24
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)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with XXXX XXXX, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-06-05
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. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all Information with complete accuracy. this account has not been late on payments complaint on the following dates ( XXXX XXXX XXXX, transunion XX/XX/2018. I'm now requesting you investigate and provide veriflable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-07-10
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. (FL)

XXXX  XXXX - XXXX : This account has never been late. I have demanded proof of statements under 1666b billing error. Nothing has been provided. I demand this account be updated to never late. 

XXXX XXXX - XXXX : This account has never been late. I have demanded proof of statements under 1666b billing error. Nothing has been provided. I demand this account be updated to never late. 

XXXX  - XXXX : This collection is reporting as an account. There should be no payment history for a collection account. This needs to be deleted immediately. 

XXXX - XXXX : No methods of validation have been provided for this collection. Please provide proof or delete immediately! 

XXXX XXXX XXXX - XXXX : Both Experian and XXXX have deleted this erroneous account. Delete this immediately! 

XXXX XXXX XXXX - XXXX : This is not mine. I have asked for validation and nothing has been provided. Delete this immediately. 

XXXX XXXX - XXXX : This is not mine. I have asked for validation and nothing has been provided. Delete this immediately.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Request to Delete Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following incorrect item ( s ) : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
In accordance with the regulations outlined in the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my report. I am aware that you are obligated to verify the accuracy of these items with the relevant creditor. Please eliminate any information that the creditor is unable to substantiate. I am aware that, as stipulated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 
Kindly provide an updated copy of my credit report to the aforementioned address. As per the act, no fee should be charged for this updated report. Additionally, I request that you notify any recipients of my credit report in the past six months regarding the corrections made. 
I appreciate your time and assistance in resolving this matter. 
Yours sincerely, XXXX XXXX
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NY)

I asked to close my XXXX acct when I move out to other rent house on XX/XX/XXXX. 
But they didn't close acct and took out money from my checking acct almost 1 year. 
When I found this I asked XXXX again close acct. and send my money back they took from my acct with their mistake XXXX. But they send me very very complicate form including police report, birth certificate, statement, proof ... .etc.to get out of their mistake. 
I gave up my money back and forgot about this incident. 
Now I found they put me in collection company from XXXX.
Consumer complaint received 2023-04-18
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$9700.00}
Consumer complaint received 2024-08-19
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2018-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC ()

Good Morning In XX/XX/2017 i have found some strange report on my credit file from unknown company " XXXX XXXX  XXXX XXXX '' but this collection is fraudelent and i do not have any idea where this is came from, i kindly ask you to investigate this case and delete this information from my report. 

Account number : XXXX Balance : XXXX $ Creditor Info : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Original creditor info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.