davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
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. (TN)

Complaint Letter to the CFPB Regarding Credit Report Errors XXXX XXXX XXXX, XXXX Country XXXX XXXX XXXX TN XXXX Phone Number XXXX XXXX XXXX Email Address XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX RE : Fair Credit Reporting Act ( FCRA ) Complaint - Inaccurate Information on Credit Report Dear CFPB, ( I was trying to buy a house when I realized that there was damage on my reports. I have asked multiple times to remove errors which is a declamation of my character-but no response ) This letter is a formal complaint regarding inaccurate information on my credit report. I am writing to you today under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g and 15 U.S.C. 1681 ( a ) ( 4 ), which guarantee the accuracy of consumer credit reports.

Dispute Details I have identified inaccurate negative items on my credit report. These negative items such as I have written a total of 7 letters and in the last letter sent out I added all information into one letter. 
Charged-off Accounts : ( In violation of 15 U.S. Code 1601 ) Collections : ( In violation of 15 U.S. Code 1692c ) Bankruptcy : ( In violation of 15 U.S. Code 1681a ( 2 ) ( B ) ) Late Payments : ( In violation of 15 U.S. Code 1666b ) Repossessions : ( In violation of 15 U.S. Code 1601 ) Hard Inquiries : ( In violation of 18 U.S. Code 1028a ) I have already disputed these inaccuracies directly with all three major credit reporting bureaus ( XXXX, XXXX, and TransUnion ) in writing. ( Attach copies of your dispute letters to the bureaus as evidence. ) Impact of Errors The presence of these inaccurate negative items on my credit report has significantly damaged my ability to obtain credit. This has had a detrimental impact on my financial well-being and has caused undue stress. ( Errors have affected you, such as difficulty obtaining a loan, credit cards, higher interest rates, or inability to mortgage loans ) Request for XXXX I request that the CFPB investigate this matter and ensure that the inaccurate negative items are removed from my credit report by all three credit bureaus. 
I am confident that upon investigation, you will find that the disputed information is inaccurate. I am available to provide any additional documentation you may require to support my claim. 
Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My accounts 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/updated. 

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. 

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!
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX  I am writing to dispute the accuracy of the information reported to your bureau regarding the above-mentioned account. The account was opened on XX/XX/2021, but I did not use the card or incur any charges.

Despite my inactivity, the account has been sent to collections, which I believe is an error. I request that you investigate this matter and take the following actions : 1. Verify the accuracy of the information reported by XXXX. 
2. Remove the collections status and any associated negative marks from my credit report.

3. Update my credit report to reflect a " closed '' or " inactive '' status for this account.

Please investigate this matter and correct my credit report accordingly. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-05-29
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. (NY)

I am writing to dispute the following information on my credit report. I have reviewed my credit report and found an error that I would like to be corrected.

These items are inaccurate because I have already rectified the inaccuracies in these accounts from their records due to identified errors. I am requesting that the items be investigated and corrected to reflect accurate information. 

Items in Dispute : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

XXXX XXXX XXXX XXXX XXXX  ( 14 minutes ago ) to me I have a mortgage modification with Rushmore Management Services in Puerto Rico . This property is located in a Horizontal Property, therefore, I am unable to contract the hazard insurance because the XXXX XXXX XXXX made a hazard insurance contract until XX/XX/XXXX. 

For some reason that I do not understand, Rushmore decided to add a hazard insurance policy every year on XX/XX/XXXX. They sent me an Annual Escrow Account Statement dated XX/XX/XXXX where they informed an increase on the hazard insurance effective XX/XX/XXXX ( see attached document ). They do know the current policy is effective until XX/XX/XXXX, and that the XXXX XXXX XXXX is the ONLY entity entitle to negotiate the hazard insurance because the property is covered by the Horizontal Property Law. 
I had the same situation last year ( XXXX ), which resulted in the devolution of the monthly payment ( {$520.00} ) for the month of XX/XX/XXXX and a late charge of {$24.00}. Then, Rushmore had to accept the mortgage monthly payment ( {$520.00} ) and took them SEVERAL months to eliminate the late charge. 

After calling Rushmore many times and spoke with many customer service representatives of the XXXX, TX, XXXX, CA, XXXX, CA, and XXXX XXXX, PR offices, I wrote 3 emails dated Wednesday, XX/XX/XXXX, Wednesday, XX/XX/XXXX, and Monday, XX/XX/XXXX to AVOID the mortgage monthly payment DEVOLUTION and INCORRECT LATE CHARGES which might result in affecting my credit score. 
Since NONE of the emails have been answered, I have been pushed to appeal to you. 

My actual mortgage monthly payment is {$540.00} due to an increase in the hazard insurance policy for the month of XX/XX/XXXX ( refer to attached statement ). As you may observe, in the XX/XX/XXXX monthly mortgage statement ( see attachement ) there is an INCORRECT increase in the escrow account due to the hazard insurance that is NOT effective until XX/XX/XXXX. 

I have tried to solve this situation through Rushmore 's Customer Service Department and written emails with NO RESULT ; therefore, I have to appeal to you. 

Thank you
Consumer complaint received 2024-07-30
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. (IL)

I am writing to report unauthorized hard inquiries on my credit report, which have adversely affected my credit score. I have previously disputed these inquiries with the credit bureau, as they were not authorized by me ; however, I've been getting the runaround. 

Attached is the letter I sent to the credit bureau disputing these inquiries. I am seeking the removal of these unauthorized hard inquiries from my credit report. I also request assistance in contacting the credit bureau to expedite the resolution of this issue. 

Below you will find the unauthorized inquires : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - XXXX XXXX Inquiry Date : XX/XX/XXXX - XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-05-26
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. (MD)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score, ( XXXX XXXX XXXX ; Account Number XXXX ). 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 above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-07-21
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 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 2023-04-29
Product: Credit reporting, credit repair services, 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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Equifax, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So I'd like you to update and correct the status of my accounts as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

The following accounts and inquiries have been reported as identity theft, under penalty of perjury, they have been illegally made under XXXX XXXX name and SS # XXXX : A ) Accounts 1. XXXX Acct XXXX 2. XXXX   XXXX* 3. XXXX XXXX XXXX B ) Inquiries 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX  C ) Place of Employment Fraudulently reported as XXXX XXXX
Consumer complaint received 2023-05-04
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: Synovus Bank (OH)

in accordance with the Fair Credit reporting act, They have violated my rights to privacy. 15 U.S. 1681 section 602 A. states I have the right to privacy.

15 U.S. C 1681 SECTION 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions if i know or have any reasonable cause to believe that the information is inaccurate.

15 U.S C 1681 A tilted definitions Rules of construction. That transactions are not included in the consumer report. Late payments are forms of transactions. So, by late payments reporting to my consumer report, it is actually a violation of A Fair Credit Reporting Act. Which also means if you have a late payment report to your consumer report it's a direct violation of the Fair Credit Reporting Act
Consumer complaint received 2024-07-30
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)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted XXXX and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2020-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GU)

XX/XX/2020. Amount : XXXX US dollars. PAYPAL payed for service that i never received. Ask for money back but Paypal said no. XXXX Visa Debit Card VISA Debit Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 

Exchange rate {$190.00} USD = {$240.00} CAD 1 USD = XXXX CAD Transaction ID XXXX Sent to XXXX XXXX XXXX Note friends and family Details Sent to XXXX XXXX {$230.00} CAD {$180.00} Fee {$13.00} CAD {$10.00} Total {$240.00} CAD {$190.00}
Consumer complaint received 2024-07-29
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$460.00}, XXXX  XXXX Balance : {$1100.00}, XXXX  XXXX XXXX Balance : {$4000.00}, XXXX  XXXX Balance : {$17000.00}, XXXX XXXX XXXX Balance : {$40000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-05
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX Dear XXXX : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
This fraudulent account is a personal loan XXXX XXXX XXXX XXXX Account number ( XXXX ) Opened : XXXX. XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

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

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit sc
ore and financial reputation.
Consumer complaint received 2024-05-29
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. (MO)

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 3rd party. They in fact did not come from a 3rd 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 2024-05-28
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: EQUIFAX, INC. (OH)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.