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

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. This is for the following charge-off accounts listed below ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) Technically, this account has been sold to a new lender. This account can no longer be reported legally this can not be reported if a charge off on my credit report if the account was sold to another lender. After checking my most 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.
Consumer complaint received 2024-08-21
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)

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 anxiety. 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 2023-08-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

I opened an online savings account with Ally bank in XXXX of XXXX, and deposited {$7000.00} of my personal funds. The transaction went thought successfully, but shortly after, there was a hold on my account, a hold which has been going on for over a year now. The initial issue was my address, but after proof of address was given, I was told the funds I initially deposited will be returned to my account anyway. Months have passed and that has yet to happen. Whenever I called requesting updates, I was told that an investigator would contact me once the investigation was completed. My bank has stated that it isnt legal for Ally bank to withhold my funds for this long. This has caused severe emotional damage as Ive been waiting for my funds to be returned to me. I need someone who is actually going to be able to help me rectify this issue, as the ally bank representatives tend to give me conflicting information. I have countless phone call logs I have made to ally bank over the years, as well as different representative names. Finally Ally bank told me they will return my money once my financial institution ( XXXX XXXX XXXX XXXX ) reaches out for it on my behalf. My bank representative, XXXX reached out XX/XX/XXXX, but was rejected twice by Ally bank. I have the documents showing my banks request being denied by Ally bank. At this point, Im not sure what more I need to do on my end in order to get my funds back. The last time I talked to Ally bank asking them why they rejected my banks request, was XX/XX/XXXX. I was told theyd give me a call back. I am still waiting for that call
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following accounts and information. XXXX and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have a XXXX  bank account on my credit report that has an inaccurate first date of delinquency. I have reached out to XXXX bank and the company has provided statements for XXXX. 
The statements show that the account went over XXXX  days delinquent in XX/XX/XXXX however the company is inaccurately reporting the XXXX  date of delinquency at XX/XX/XXXX. 
I have disputed it and provided evidence however the credit bureaus have not updated this even though I have provided accurate evidence. 
This account should no longer be on my credit as of XX/XX/XXXX as it is past the XXXX  year statue of limitation
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I am writing to dispute inaccurate information currently appearing on my credit report regarding several accounts that continue to be erroneously reported as linked to a bankruptcy, which has been removed from my credit history. This is in violation of 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of the information they maintain. 

Affected Accounts : XXXX CARD - Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX Since these accounts are incorrectly linked to a bankruptcy that has already been removed from my credit report, I am requesting their immediate removal to ensure the accuracy of my credit history, as required by 15 U.S. Code 1681e ( b ).
Consumer complaint received 2023-07-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I contacted XXXX XXXX regarding the re-appearance of an old account that was deleted. First of all the removal was for an error account that was not mine. Second of all this reporting was deleted due to inaccuracy issue and reappeared again. XXXX XXXX stated that I need to contact the credit bureau TRANSUNION regarding this reporting ERROR. 
I did NOT receive any writing documentation from the creditor XXXX or the credit bureau as a statement within 5 business days from this false information was reported by error based on the 15 U.S. Code 1681i - Procedure in case of disputed accuracy -- The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed or never existed from a consumer 's credit report. 
XXXX failed to provide any documentation based on the U.S. Code stated above.

CREDITOR HAS NOT MET ITS OBLIGATIONS UNDER FCRA 15 U.S.C. 1681S-2 AND THE ASSOCIATED REGULATIONS KNOWN AS THE " FURNISHER RULE '' AT 16 C.F.R. 660 CODE.
Consumer complaint received 2024-05-05
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: Experian Information Solutions Inc. (MO)

I am trying to buy a house and I realized there were damages on my credit report. According to the 15usc code 1681 there shouldn't be any damages on my report because it is a defamation to my character. On XXXX, I contacted all three bureaus via phone to remove the fraudulent information that is reported on my account including addresses. I asked for a thorough investigation which was not received.
Consumer complaint received 2024-05-04
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. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit ManagementXXXX XXXX Have been harassing my XXXX XXXX in a very agresive manner and threaten to mess up and destroy the credit score. Used very unprofessional language. We had previously spoken to this company about this debt since its a fraudulent charge performed by an unknown not even in the same state we live but since the person used my name only changed his address they assume its us. We reside in XXXX, the fraudulent charge was made from XXXX or so we had been told. It was on a closed account so I have no idea how they attained my information. I am over XXXX XXXX XXXX XXXX and at this point Im tired of arguing over and over again and some them agreeing is fraud and Im not at fault and others being rude and threatening my credit scores and report.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My social security number was incorrect in the trans union system. I sent my documentation in to have it fixed. They received my documents on XX/XX/XXXX. My number is still not updated. I am purchasing my first home and am at risk of losing this opportunity because I am unable to close until this is fixed. I was set to close on XXXX, as of today XX/XX/XXXX the issue is still unresolved. I have called almost daily, have been given the complete run around. It has been escalated to multiple supervisors including the supervisor of special handling for the US only to be told 3-5 more days. After a months time I remain in limbo. There has been no acknowledgment, no apology, no compassion. It feels like they dont care at all. I just need my information fixed so I can buy my house. The family I am purchasing from is running out of patience waiting for this to go through. Please help me, I feel like nobody cares, and I feel like this will never be made right. In comparison, I sent my info to XXXX who had it fixed in 3 days and a verification letter was sent within 10 days.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The unverified accounts 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 these accounts to be authenticated ( A ). I will take legal action against 3 credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXXXXXX XXXX XXXX Balance : {$5100.00}.
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. (MD)

I am writing to urgently seek your intervention regarding significant and ongoing violations committed by XXXX, TransUnion, and XXXX. These credit reporting agencies have breached several federal regulations, including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). These breaches have severely impacted my credit profile and financial standing.

The specific issues are as follows : 1. Reporting of Inaccurate Information : * My credit reports contain numerous inaccuracies, such as incorrect late payment records, erroneous account statuses, and inaccurate balances.

* The agencies have failed to update my address, despite my explicit instructions that I have only one address.

* My name appears with multiple variations, although I have provided the correct spelling.

2. Violation of Legal Standards : * According to 15 USC 1681, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' * My right to have accurate and consistent credit reports across all three bureaus has been disregarded.

3. Lack of Response and Rectification : * Despite numerous requests for corrections and updates, the credit reporting agencies have not addressed the inaccuracies.

* I have requested written communication confirming the updates to my profile, but my requests have been ignored.

These ongoing issues have caused significant distress and financial harm. The inaccuracies on my credit report affect my ability to obtain credit and can lead to higher interest rates or denial of credit, which is both unfair and unlawful. 
I urgently request the CFPB to take the following actions : XXXX. Investigate the non-compliance of XXXX, TransUnion, and XXXX with the FCRA, XXXX, Privacy Act of XXXX, and XXXX. 
XXXX. Ensure that all inaccurate information on my credit reports is corrected promptly. 
XXXX. Mandate that the credit reporting agencies provide written confirmation of the corrections. 
XXXX. Hold these agencies accountable for their negligence and disregard for consumer rights. 
I trust that the CFPB will act swiftly to uphold its mandate of protecting consumers and ensuring that these credit reporting agencies comply with federal laws designed to protect our rights and financial well-being. Your immediate attention to this matter is crucial and greatly appreciated. 
Thank you for your prompt assistance.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXXXXXX XXXX account # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-08
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. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-04
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)

Experian credit reporting agency is falsely reporting My " XXXX XXXX XXXX XXXX '' account as delinquent. This account has been current since XX/XX/year>. When I noticed that the credit bureau was still reporting this account as delinquent, I filed a dispute with the credit burea ( Experian ) on XX/XX/XXXX with documentation from the creditors stating that the account is current. On XX/XX/year> Experian refused to correct the account and I filed an additional dispute with the same documentation. On XX/XX/year> Experian refused to correct the information again.
Consumer complaint received 2024-08-01
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX. Account number : XXXX. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting 100 % accurate. It lists the XXXX XXXX court as the furnisher, that's forgery and misleading when the courts don't report this type of account.
Consumer complaint received 2024-06-06
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. (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 2023-08-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG MORTGAGE, INC (IN)

My ex-wife and I have been working on an assumptions process for over a year. She is assuming the mortgage after our divorce. During the process, our mortgage company sends us to their assumptions department which is another company. This company we have been sent to fails to provide any measure of customer service. Communication has been scarce to none. Weeks go in between responses and they only communicate through email. Simple requests for updates or assistance are completely ignored. Phone calls are never returned. They work so slowly that is impossible for any kind of time sensitive process to be completed. Their legal team has also been unable to give clear requirements for requested documents and has been unable to prepare basic documents per our county clerks requirements. Our actual mortgage company can not just send us to a servicer who doesnt actually do their job whatsoever and doesnt communicate with their customers. This company has no business handling peoples mortgages when they have no regard for actually completing any kind of work.
Consumer complaint received 2024-05-05
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. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Reported on XX/XX/XXXX Account number XXXX Amount XXXX collections collections XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$4000.00} collections XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$680.00} collection XXXX XXXX Date opened XX/XX/XXXX Balance {$680.00} collection
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.