davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had a XXXX 's miles and More card that that was lost. I called to cancel the card and request a new one. they said that they did this but it would take at least 2 weeks to receive my card. I paid my bill in full and waited but a card never came. I called again they apologized for the mistake and said they would send the new card out. this card I also never received. 

Then I received a notification that my payment was late for this card. I thought it was strange since I had still not received my replacement card. The company had charged me for an annual fee but still had not sent me the replacement card. I called and said I want to cancel the card since they had not done what they had promised and the call center assured me that they would waive the fee and apologized for the inconvenience. 

When I received a late payment on my record and still hadn't received my card I called again and informed the XXXX 's call center to cancel the card and inform them that it was in violation of the terms and conditions of the account to charge me the account fee when over the course of 4 months they had still not supplied me with the card I can use. not even a digital wallet card. 

They agreed and informed me that the contract would be terminated. 

for 6 successive months I received notifications of non payment until finally XXXX 's held up to what they promised and canceled the balance and the card. 

However, the notifications of late payment have stayed on my record and dropped my score more than XXXX. 

I want them removed and my score restored.
Consumer complaint received 2023-10-26
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. (MI)

Student loans are reflecting a negative effect on my credit report which gives other companies the opportunity to be biased based on negative marks on my credit report. To my understanding I am protected by law and companies can not use any potential negative credit reports that may be used against me and this is hurting my credit when I try and take out a mortgage giving the lenders an opportunity to become biased which is unlawful. I want the dept of education off my credit report immediately, and also any addresses that are not my current address which is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I am looking to buy a house and I do not need any negative inquiries that may hurt me such as the ones I spoke about above.
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: Experian Information Solutions Inc. (FL)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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)

Just notified again that experian is still working on the issue but closed all the others with the same issue WHICH IS EXPERIAN NOW HAS STOLEN ALMOST 19 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND REFUSE TO GIVE THEM BACK
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

My ( XXXX ) Parent Plus loans are being serviced by XXXX XXXX. 

They are requiring me to make payments, however, my student is still enrolled full time in college. 

I have received email verification from her university ( XXXX XXXX XXXX  ) on XX/XX/2023 that her student loans are not due until 6 months after her graduation date. 

My student will graduate in XXXX of 2023. 

I have late payments from XXXX XXXX- for a loan I shouldn't be required to pay on. 

I have emailed XXXX XXXX requesting assistance ( via their online platform ) on or around XX/XX/2023. I have received no response. 

I have called numerous times ( last time today ) and not able to connect with a representative - after leaving my number for a call back, have not received a call back. 

I am requesting that my loans show as " not due '' until after the 6 month deferment date, and that late payments are removed from my account.
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (GA)

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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-11-09
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. (NY)

For months I have been disputing a few accounts on my credit report that are reporting inaccurately and all the credit bureaus have been doing is stalling me out, they either tell me it has been verified and when I asked how was these items verified I have yet to hear back from them and its been well over 60 days or the tell me they weren't sure if it was me sending the disputes another stalling method I have sent the dispute with a cover letter, notarized along with proof of address and identification. 
I will attach my credit report you will see the clear errors. 
from my DOB, Balances, Dates Open & Closed, Account Status, Payment History Etc Etc.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX, US DEPT . OF EDUCATIONXXXXXXXX US DEPARTMENT OF EDU XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX US DEPT . OF EDUCATION/XXXX US DEPARTMENT OF EDU XXXX XXXXXXXX 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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX US DEPT . OF EDUCATIONXXXXXXXX  US DEPARTMENT OF EDU , XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-03
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-11-07
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. (NY)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Consumer complaint received 2022-11-23
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. (FL)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : $ XXXX closed Late dates : XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date XX/XX/XXXX Balance XXXX {$4400.00}, and XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9700.00}.
Consumer complaint received 2024-05-30
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. (GA)

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 informationisinaccurate.
Consumer complaint received 2023-11-08
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)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Mercedes Benz Financial Services (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. XXXX XXXX XXXX XXXX  was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
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: Experian Information Solutions Inc. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

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, XXXX, and Equifax.
Consumer complaint received 2023-10-26
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. (NE)

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Consumer complaint received 2023-09-19
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. (FL)

I just want to remove ALL FRAUDULENT INQUIRIES from my credit reports. And I am NOT at ease that these fraudulent inquiries were still in my credit reports. I am once more asking to the Experian and XXXX to please REMOVE these listed fraudulent inquiries from my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am filing a complaint on my own behalf. I have a few accounts that are showing me 30- 60days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. The late payments I'm referring to are from the following months : XXXX ( XX/XX/2022 )
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (PA)

We have had a series of problems with Mr. Cooper throughout the time they held our mortgage, culminating in their selling our mortgage in the middle of our attempting to get them to correct our escrow account. Our new mortgage company, Rushmore Servicing, is continuing to charge us 500 % more in property taxes than we actually owe. We have been trying to get this issue addressed for *months* and have yet to have the issue fixed. The overall impact is that we are being charged XXXX XXXXXXXX more than we should -- and both Mr. Cooper ( and now Rushmore Servicing ) are being non-responsive to the immediate financial catastrophe that they are causing.