davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sentry Recovery and Collections, Inc. (NV)

This debt was appointed to my XXXX in XXXX by a judge, I can not rent a new place anywhere due to this XXXX and debt it's crippling. The reason for XXXX and debt was damages caused by my XXXX, and her XXXX me after after committing XXXX XXXX against me. This is why the judge appointed this debt to her. She was a cosigner on the lease of the place before she was removed due to my XXXX XXXX requiring it be so. I am unsure of what do and need help the debt collection agency will not assist even after being provided my XXXX documents that state this debt is no longer mine
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Approximately XXXX XXXX, I was behind on payments and Select offered ( no solicited ) me a loan modification. I had to pay a certain amount for XXXX, XXXX, XXXX of XXXX. 

I made the payment but slightly early because I didnt want any mishaps. So I started making the payments in XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX and in XX/XX/XXXX for XXXX. 

Since, I made the payments slightly early I suppose they sent out the contract early. I did not see the contract until I was trying to make a payment for XX/XX/XXXX. Because, starting late XX/XX/XXXX, I learned that I needed a medical intervention and therefore had multiple medical appointments between XXXX and XX/XX/XXXX. I submitted the signed contract albeit late and explained that I missed the deadline for medical reasons. 

They gave no consideration that I had made all the payments early. In fact, had they only been on time, the due date would likely have been late XXXX XXXX. Then, because they refused the to honor the previous contract, I requested another modification/deferral, they approved it, only to withdraw siting the previous offer and exacerbating my financial problems. 

Due diligence is what should be done before and offer, I believe that the withdrawal was unfair and made things worse. 

Unfortunately, XX/XX/XXXX, I tested positive for XXXX and also had a reoccurrence about XXXX days after testing XXXX so for nearly XXXX weeks I was ill with XXXX.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (VA)

XXXX XXXX account XXXX has verified as accurate. How is this account accurate if the term duration is in accurate, as well as the open date, the balance is inaccurate, last reported date is inaccurate, & the date last active is inaccurate, and most important my birthdate is wrong on my consumer report. Any automated response, or E-Oscar verification is unacceptable. I am requesting method of verification according to the Metro 2 Compliance standards. This listed item is entirely inaccurate and incomplete, and must be deleted. 

15 U.S.C. 1681 ( A ) ( 4 ). - I have the right to privacy.

15 U.S.C. 1681b ( A ) ( 2 ) - Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681i ( 5 ) ( I ) -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if the item is found to be inaccurate/incomplete it must be deleted.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-09
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. (DE)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 662, which states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Account : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NJ)

On behalf of XXXX, SW Credit Systems L.P is trying to collect a debt I never owed. I never signed up for this company in the past or had any affiliation with them at any point. Under the FCRA this debt should be deleted off my credit report since it was not verified. On my credit report it is saying that on XX/XX/2016, the account was opened and is now saying I owe an amount of {$240.00}.
Consumer complaint received 2024-05-09
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. (MS)

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 XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-05-07
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)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-05-09
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. (MS)

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, XXXX, and Transunion data breach.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (ID)

I get paid on the first of the month. I call my creditors to pay my bills even if I have not received the statements from the company. 
I recently noticed that I owed American Express a {$40.00} late fee plus interest even though I hadn't used the card the previous month. 
I called & talked with a representative and I was told that because of the way their system works, my payment is considered late. The payment due date is on the XXXX of the month and I am calling and paying the full amount owed within the first few days of the month. I tried to explain that this wasn't making any sense as I call, ask what the balance is ( I haven't received the statement yet. It usually comes around the middle of the month ) and I pay the full balance ( not what the statement would be ). How in the world can this be considered late? The representative tried to tell me that because I was paying the bill just a few days after the due date that their system considers my payments late. My daughter has noticed that they've been charging me late and interest fees before. I feel this is committing fraud as I am paying the full amount before it's even due. 
I am asking for a refund of the late and interest fees.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2024-05-09
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. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I always pay on time ; I am sure of this. However, what I am not sure about is why this company is reporting me as late in certain months, which should not occur. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ava Finance, Inc (MI)

Open checking my credit reports in XX/XX/year> I found Ava finance and several other fraudulent accounts are being unfairly reported on my credit report. I never gave this account any permission to run my credit or use my credit. I demand that they discontinue furnishing this information as it is violating my credit laws accord to the Truth and lender act and FCRA.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This account was opened online without my permission as a result it was also closed within 60 days of opening by Bank of America. They also reported this fraudulently on my consumers reporting act, and on my credit score I have now become a bankable with normal banks because of this. Theyve made no attempt to correct this once Ive contacted them. During this time, several checks were attempting to be cashed or deposited into this account by the individual or individuals that open this account at via online access. This was not an account opened in person at a branch. This was done strictly online, using my information which was obtained fraudulently. All transactions were also done via the ATM or through mobile banking. Bank of America has had a long history of causing issues for its customers and creating acts of fraud for their own interests. This may be a case of that here, or of an individual simply opening account in my name, and using it to their own means, and will either case I do not care. I simply want this corrected as I am a victim here and not the perpetrator.
Consumer complaint received 2024-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint against TransUnion regarding their failure to investigate disputed items and incorrect personal information on my credit report, despite my efforts to provide all necessary documentation for verification. 

On XX/XX/2024, I mailed a dispute letter to TransUnion, requesting a thorough investigation into inaccuracies present on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. In my dispute letter, I included copies of my photo ID, social security card, and a recent bill displaying my current address, all of which were intended to assist TransUnion in verifying my identity and address. 

However, TransUnion has refused to conduct the investigation requested in my dispute letter. This refusal is deeply concerning as it directly impacts my financial well-being and violates my rights under the Fair Credit Reporting Act. Despite providing all necessary documentation to verify my identity and address, TransUnion has failed to fulfill its obligation to investigate and correct the inaccuracies on my credit report. 

I received a response back from TransUnion dated XX/XX/2024 stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.
Consumer complaint received 2023-09-19
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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: Experian Information Solutions Inc. (AZ)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-06-08
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. (MI)

My Fair Credit Reporting Act Consumer Rights have been violated. I did NOT give any consumer reporting agencies WRITTEN permission to furnish anything on my consumer credit reports nonetheless, INCORRECT information. Each consumer reporting agency has assumed the GRAVE responsibility for furnishing correct information once given written instructions.
Consumer complaint received 2024-05-09
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)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-05-09
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. (CT)

I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-09
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)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-09
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. (LA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-09
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 looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 

TransUnion Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, balance is not reporting correctly, this account is not accurate. 

[ XXXX XXXX XXXX XXXX XXXX  ] balance is not reporting correctly, this account is not accurate.