davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
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: EQUIFAX, INC. (NJ)

My Equifax credit report contains XXXX fraudulent inquiries from XXXX XXXX on XX/XX/year> and XX/XX/year>. Both of these inquiries are not transactions made by me as the consumer ; they're both products of identity theft, and as such they need to be removed from my credit report and file immediately. 

I never gave Equifax permission to furnish this fraudulent information, and as such they're currently in violation of 15 U.S. Code 1681 ( b ) and ( c ) ; they're violating my FEDERALLY PROTECTED privacy rights and rights as a consumer. 

Below I have attached a copy of the relevant FTC Identity Theft report ( detailing these XXXX fraudulent inquiries ), a copy of my driver 's license, passport, Social Security card, as well as document proving my residence in NJ ( that contains both a lease and recent bank statement with a NJ address that matches the XXXX listed as my primary address on my Equifax credit file ). 

I'd also like to mention that I sent you, Equifax, and Affidavit of Truth via certified mail that I can see was received last week. The Affidavit outlines that you, Equifax, have 10 days upon receiving the Affidavit to remove any and all fraudulent inquiries from my file. If they're not removed in that span, I will proceed with filing for default judgement against you and compensation for damages from you. 

I hope for and look forward to a speedy resolution to this issue. Thank you.
Consumer complaint received 2023-05-01
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: DISCOVER BANK (KY)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Kentucky XXXX Email Address XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Discover Account ) has violated several of my rights 15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy 15 U.S.C.1681 Section 602 A Section 2 : It's also state consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A Creditor may not a payment on a credit card account under open and consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in Direct Violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute the presence of late payments on my credit report as listed in the report provided by your agency. After a careful review of my credit history, I have identified inaccuracies that I believe are negatively impacting my credit score. I am requesting an immediate correction of these errors.

I understand that accurate reporting is essential for maintaining the integrity of credit reports. However, I firmly believe that the late payments listed are erroneous, and I request a thorough investigation into this matter. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. 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 XXXX XXXX customer service I kindly request that you investigate this matter promptly and correct any inaccuracies found on my credit report. As a consumer, I am entitled to fair and accurate reporting, and I believe that resolving this dispute will contribute to the overall accuracy of my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and timely investigation of my dispute. I request that you provide me with a written response within 30 days of receiving this letter, detailing the results of your investigation and any actions taken to rectify the inaccuracies.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-01-11
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (DC)

I purchased a home in Washington DC in XX/XX/XXXX. In XXXX of XXXX, I called Shellpoint Mortgage Servicing to discuss the option of missing the XX/XX/XXXX payment due to some unexpected financial responsibilities. The options I was thinking of were possibly splitting up the payment over the next XXXX payments, or possibly adding another payment onto the end of the loan. But I wasn't sure what options were available to me.

When I called, I was told my payment was going up from {$2600.00} to {$4400.00} due to a significant increase in property taxes. I called DC Office of Tax and Revenue and they suggested I call the DC Department of Buildings. The Department of Buildings told me that they incorrectly categorized our home as " vacant '' and would fix the issue immediately. 2 weeks later the Office of Tax and Revenue said they had a check ready to send back to Shellpoint. They told me Shellpoint had to request the check be sent back to them. 

In the beginning of XX/XX/XXXX I called Shellpoint and let them know the check was ready. They said they would get the check back from the XXXX XXXX XXXX and XXXX and that we could figure out how to make up the XXXX payment after the tax issue is resolved.

After this Shellpoint took months to request to check back from the Office of Tax and Revenue. I would call a couple times a month and they still hadn't requested it. They finally requested it in XXXX of XXXX and did not credit it to my account until XXXX. In XX/XX/XXXX Shellpoint credited my escrow account for {$11000.00}, the amount they received back from the Office of Tax and Revenue. Supposedly my payments went back down to {$2700.00} beginning in XX/XX/XXXX. 

I have made a mortgage payment of at least {$2600.00} every month other than XX/XX/XXXX. I have also paid an extra {$790.00} since then as well. According to a XX/XX/XXXX letter from Shellpoint I would need to pay {$18000.00} to bring my loan current. I am not sure how they got to this number considering I make a payment every month ( other than XX/XX/XXXX ). 

According to Shellpoint, my last mortgage payment was in XXXX ; however, according to my XXXX, the payment has come out every month. I believe Shellpoint might be receiving my checks but not cashing them. Also, when I sign into my Shellpoint portal, the monthly payment amount still shows as {$4400.00}. 

Shellpoint has offered my a mortgage modification. I have asked them to send me a copy of the mortgage agreement, so I can better understand the terms. However, they still haven't done so. I would like to bring the loan current, but I don't understand how the amount could be {$18000.00}.
Consumer complaint received 2023-05-01
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. (SC)

Dear Credit Reporting Agency, I am writing to dispute the accuracy of information listed on my credit report in accordance with the Metro 2 format. Specifically, I am disputing the following account : XXXX XXXX Account XXXX XXXX. 
According to my records, this account was closed onXXXX. However, my credit report states that the account is currently delinquent and has a balance. This erroneous information is having a significant negative impact on my credit score, and I believe it is being reported in violation of the Metro 2 guidelines.

As per the Metro 2 guidelines, I am requesting that you investigate the accuracy of the information being reported and provide me with any documentation that supports the current status of the account.
Consumer complaint received 2024-05-01
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 am writing to delete the following information from my file. The items I deleted are listed in the report I am big team of identity theft and I did not make the charge. I reported the theft of the federal of my identity to the federal trade comission and I also have enclosed copies of the federal tray, comission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (SC)

Dear Credit Reporting Agency, I am writing to dispute the accuracy of information listed on my credit report in accordance with the Metro 2 format. Specifically, I am disputing the following account : XXXX XXXX Account XXXX XXXX. 
According to my records, this account was closed onXXXX. However, my credit report states that the account is currently delinquent and has a balance. This erroneous information is having a significant negative impact on my credit score, and I believe it is being reported in violation of the Metro 2 guidelines.

As per the Metro 2 guidelines, I am requesting that you investigate the accuracy of the information being reported and provide me with any documentation that supports the current status of the account.
Consumer complaint received 2023-11-26
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)

I have had this card now for about a year. I had two cards sent to me which I activated but were declined by merchants. I however was sending the company $ XXXX  monthly for several months. I filed a complaint with them and they were investigating. They reported me late recently. I do not believe a negative report is sustainable under the circumstances and should be removed. My account is current.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-01
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)

To whom it may concern, I am writing to file a formal complaint against XXXX XXXX regarding an account that has been fraudulently opened in my name, XXXX XXXX XXXX and XXXX XXXX, which is in result of identity theft. The fraudulent account is as follows : XXXX XXXX account number appearing as " XXXX '' for {$540.00} I have attached a notarized copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, as well as a police report documenting the identity theft incident. I also have attached my government issued ID and a utility bill for proof of identity and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to protect victims of identity theft. Texas state law, under the Texas Finance Code 20.02, provides consumers with strong protections against creditors and requires swift action to rectify fraudulent accounts. 

Despite my efforts to resolve this matter directly with XXXX XXXX, the fraudulent account have not been adequately addressed. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau to request your intervention in resolving this issue. 

I request that XXXX XXXX conduct a thorough investigation into the fraudulent account and take immediate action to remove this from my credit profile. Additionally, I request that XXXX XXXXXXXX XXXX provide me with written documentation of the results of their investigation and any actions taken to rectify the situation. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am formally writing this complaint to the CFPB because I noticed inaccurate accounts being reported from TRANSUNION. I want to ensure compliance form this consumer reporting agency for a Notice of Dispute I am submitting to them in accordance with the FCRA.
Consumer complaint received 2024-05-01
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. (MS)

I have disputed some unverified accounts, inquiries and personal information and I have not heard back from this reporting company with an update this is my second time disputing these fraudulent accounts, inquiries and personal information.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not have permission to authorize or benefit from the inquiry described below. They must be stopped and demolished. Please remove all phony and erroneous inquiry from my consumer report that i am unaware of as a result of the XXXX and Transunion data breaches and identity theft. These papers must be frozen immediately until the inquiry is completed, according to FCRA section 605B.
Consumer complaint received 2024-05-01
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 address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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. (WI)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

No knowledge of a XXXX XXXX secondary company. XX/XX/XXXX No knowledge of credit bureau associated XX/XX/XXXX No knowledge of XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-11-15
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. (TX)

I have submitted a dispute to you and i didn't get a response within XXXX days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank you.