davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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. (CA)

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

Spoke to XXXX then he transfer me to XXXX XXXX who didnt even understand the reason for my call or pretended not to understand. Where I needed to correct a dispute. 
I have try to call the dept XXXX times before and not able to get anyone to assist The XXXX  when I asked to speak clearly he purposely spoke far away from the phone making it impossible to understand him. They both were at the dispute department.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

On my credit report XXXX XXXX had repprted my account as past due in XXXX of XXXX back in XXXX they told me i qualified for debt forgivness and told me i qualied for hardship and forgave my debt. Than a year latter they come back trying to report to my credit buro.
Consumer complaint received 2023-11-14
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. (NC)

I didnt notice all the hard inquiries and soft and clears until I looked at my credit score and I seen how my credit score it is. Ive never applied for anything so I dont understand why I have inquiries on my credit report.
Consumer complaint received 2024-05-26
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. (SC)

I'm writing to formally contest any errors that may have appeared on my credit report. After carefully going over the information, I've found several serious mistakes in the account details. These errors are worrying because they could have a negative effect on my opportunities and financial situation. 

For my credit profile to remain accurate and legitimate, these inconsistencies must be quickly fixed. In compliance with the Fair Credit Reporting Act ( FCRA ), I demand a full inquiry into the contested items and their prompt rectification. 

For your perusal and consideration, I have included supporting material that highlights the differences. I sincerely appreciate your prompt attention to this problem, since it is critical to preserving my financial security.
Consumer complaint received 2024-05-26
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)

Account XXXX XXXX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Consumer complaint received 2024-01-03
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. (OR)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2018-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MA)

Have requested payoff amount twice as well as detailing billing history since the date of mrtgage through XXXX and have not received anything. Paperwork sent does not detail what any fees are for. I want a detailed billing record with description of what fees were for from this company.
Consumer complaint received 2023-10-19
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX, XXXX and Experian blocked me from putting freezes cause I've been a victim of identity fraud. I've been a victim of data breaches XXXX XXXX allowed another person to put a freeze on a statement on my account with their name and their contact information and I don't even know this person, and still for the last 3 to 4 years I can't get access to my own account. I can't get my credit report and then when I start disputing stuff because they remove stuff and then put it back on because that's why they block me. This is fraud. The credit bureaus are committing fraud.
Consumer complaint received 2024-05-31
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. (PA)

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e 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 relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesAccording to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards were followed. i have attached documentaion verifying my identity my address and my dispute.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Complaint Against [ XXXX, XXXX, TransUnion ] for Violation of FCRA Complaint Details : Summary : I am filing this complaint against XXXX, XXXX, and TransUnion for failing to provide a method of verification for disputed items on my credit report and for repeatedly sending stall letters despite verifying my identity. These actions violate the Fair Credit Reporting Act ( FCRA ) and hinder my ability to ensure the accuracy of my credit report. 

Detailed Explanation : Failure to Provide Method of Verification : Under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), credit reporting agencies are required to provide the method of verification used when responding to a consumer 's dispute regarding the accuracy of information on their credit report.

Despite my repeated requests for the method of verification, none of the three credit agencies have complied with this requirement, thereby violating the FCRA.

Sending Stall Letters : I have received multiple stall letters from XXXX, XXXX, and TransUnion. These letters claim that my dispute can not be processed due to the need for additional information to verify my identity. 
I have provided all necessary identification documents, including my driver 's license, Social Security card, and utility bills, to verify my identity. 
The repeated sending of stall letters instead of addressing my dispute constitutes a delay tactic, which is not permissible under the FCRA Section 611 ( a ) ( 1 ) ( A ) requiring prompt investigation of disputed information.

Violation of FCRA : By failing to provide the method of verification and repeatedly sending stall letters, the credit agencies are in clear violation of the FCRA.

These actions undermine my rights as a consumer to ensure the accuracy and completeness of my credit report.

Request for Resolution : I demand that XXXX, XXXX, and TransUnion immediately provide the method of verification for the disputed items on my credit report. 
I request that these agencies cease sending stall letters and instead process my disputes promptly and in compliance with the FCRA. 
If these issues are not resolved promptly, I intend to pursue legal action against these agencies for non-compliance with the FCRA, as permitted under FCRA Section 616, which allows consumers to sue for damages resulting from willful non-compliance.

Conclusion : I seek the CFPB 's intervention to ensure that XXXX, XXXX, and TransUnion comply with the FCRA and rectify the issues outlined in this complaint. It is imperative that my rights as a consumer are upheld and that these credit reporting agencies adhere to the legal standards set forth by the FCRA. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-26
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)

I called in to place a dispute regarding a hard inquiry that is not mine. They sent me an email stating that it was verified. My problem is how can it be verified if it is not mine? Please have them remove it. Thank you.
Consumer complaint received 2024-08-18
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. (MO)

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( XXXX XXXX XXXX XXXX XX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify.I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 6802 Obligations were to respect to disclose of personal information Part b opt out. A financial institution may not disclose non public personal information to a non public affiliate or third party. Sincerely
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

I switched my cell phone provider from XXXX to other phone carier more than five years and the only way XXXX would have allowed me to move to another provider was to paid the amount that I owed at the time which I did or else the transfer of my phone services to another carier would not have taken place due the campany policy. A customer who owes must pay before a transfer of services is done.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion and XXXX continue to allege they verified the account XXXX XXXX XXXX Account # XXXX but they failed to provide me with the evidence they used to come to this conclusion. I have a right to examine the evidence they used so I can complete my own investigation into whatever documents or other evidence they may be in possession of. Either provide me with the information needed to or delete this account from my consumer report because you can not just respond with verification without providing proof of that. Its your job to report accurate information.
Consumer complaint received 2024-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

Info on parties involved : XXXX XXXX Mortgage servicer until XX/XX/XXXX XXXX XXXX XXXX New mortgage servicer ) as of or around XX/XX/XXXX Universal Property and Casualty ( Insurance provider ). 

XXXX XXXX ( New Insurance provider ). 

Informed in XXXX XX/XX/XXXX my mortgage going up $ XXXX after XXXX XXXX XXXX XXXX in XX/XX/XXXX. Informed Escrow balance was short. 
Called XXXX XXXX XX/XX/XXXX to ask why it was short. Insurance and property taxes were similar to prior year.After escalating call to Manager she said she would send me XXXX Yrs of mortgage records going back to XXXX. 
I received records on XX/XX/XXXX and looked at records. I found in XXXX that XXXX paid XXXX insurance twice, once on XX/XX/XXXX in the amount of {$3600.00} to XXXX XXXX and on XX/XX/XXXX in the amount of {$2500.00} to XXXX XXXX. 
I called Mr. Cooper customer service shortly after finding error. The call became a XXXX Way with myself XXXX and XXXX XXXX XXXX XXXX said they would do nothing since they said i never called to cancel. I said i did. I then asked rep for Mr. Cooper how this happened. No explanation and no responsibility taken. I asked Mr. Cooper rep " Isn't there a red flag that goes up if something like this happens? '' No response. Call ends after I realize nothing is going to be resolved at this juncture. 
The policies are both active between XX/XX/XXXX until XX/XX/XXXX. Escrow analysis done in XX/XX/XXXX by Mr Cooper causes increase to mortgage of around $ XXXX {$30.00} per month. To me nothing to look at in detail since taxes and insurance went up slightly. 
When XX/XX/XXXX XXXX analysis was done seeing that i paid approximately {$3500.00} more out of escrow account should have resulted in a much higher mortgage increase for XXXX. If this had happened i could have at least recovered some of the money. 
Mr Cooper should have seen in there records when doing analysis in XX/XX/XXXX of the payment error. but there should be protocols in place when double payment was made in XXXX of XXXX. Should have triggered some action. We are in the computer age and cant understand how 2 payments can be made in 10 days and noone noticed. 
Also talked to broker who handled Universal policy to try to have policy refunded.Universal said No, that Declaration pages of other coverage was not adequate and would need some electronic signature dated for that time to refund money.