davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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. (TX)

Transunion responded to my CFPB complaint and stated that the account XXXX XXXXXXXX was deleted from my credit report due to inaccurate reporting. Transunion failed to delete the other accounts that were addressed in the dispute letter. Simply saying that an account was updated without sending proof of the validation is against FCRA guidelines. Please investigate and remove the following accounts from my credit report XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The account has discrepancies between the XXXX bureaus. I do not believe an investigation was done. You have failed to validate this account. Additionally, as per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), please provide me with the names and business addresses of each individual who verified the aforementioned items, so that I can follow up accordingly. If you can not furnish this information, remove the account from my credit report. I attached the dispute letter, which is dated, and time stamped along with the inaccurate credit report.
Consumer complaint received 2024-05-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Southwest Business Corporation (MD)

I've been in the process of buying a house, and the Sellers of the property have a XXXX XXXX interest rate on their existing mortgage ; their mortgage is an XXXX mortgage, and that makes it assumable. 

Under normal circumstances, it takes about XXXX days to buy a house with a conventional mortgage. Im XXXX months into the assumption process with no end in sight. The obvious reason for this is because lenders dont make money on mortgage assumptions. There arent fees to be extracted from home buyers, and theyre stuck with honoring a XXXX XXXX interest rate when todays prevailing rates are around XXXX XXXX. 

When lenders are looking to make a loan, they sell prospective borrowers on all of the features of their loans, including the fact that their loan is assumable. Yet when it comes time to perform on their obligation, they fail to do so. 

The lender for the property Im buying is XXXX Mortgage, and the mortgage servicer, who is handling the assumption process, is XXXX. There are laws that state that they cant unreasonably withhold approval of an application for a mortgage assumption. They are obligated to review an application in a timely manner. In their most recent correspondence with me, they yet again asked me for documentation that they were aware they needed at the time I initially submitted my application XXXX  months ago. Each time I satisfy their request, they respond with another requirement for underwriting approval. 

As anyone could XXXX, the underlying contract to purchase the property from the Seller expired long ago. So I had to renegotiate the contract with them, and Ive been paying them {$2200.00} in rent each month to keep the contract active. The lenders know that there is an immense amount of fall out from applications the longer they wait. And theyve made me wait. 

Theres not a lender in the XXXX that would fail to adequately review a new loan application in XXXX months. But when it comes to loan assumptions, its become the norm. The largest institutions in the country continue to improve their bottom line by taking advantage of everyday people without consequence. 

It's outrageous that they can get away with this.
Consumer complaint received 2024-05-03
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: Experian Information Solutions Inc. (MD)

Experian did not provide a proper reinvestigation into this account : Account Name : XXXX XXXX XXXX Account Number : XXXX I have been provided with computer generated information claiming to be verified after reinvestigation. I submitted complaint XXXX on XX/XX/XXXX requesting a description of the reinvestigation and they did not provide it, which is a violation of 15 USC 168i ( 7 ). I did not receive description of the reinvestigation. 

Also withing the report, there are still inaccuracies. According to 15 U.S. Code 1681e ( b ) - Compliance procedures, " 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. '' Experian is blatantly reporting inaccuracies of the account above with the following examples : Status of this account reports " Account charged off. {$13000.00} written off. {$13000.00} past due as of XXXX XXXX ''. If written off there should not be a reported balance. 

Inaccurate payment status : XXXX and XX/XX/XXXX are Both showing 30 days late, this is not mathematically possible. XXXX, XXXX, and XX/XX/XXXX are all showing 30 days late, again this is not possible. On XX/XX/XXXX, a C/O ( charge off ) status is reported, for the next 12 months, from XX/XX/XXXX, to XX/XX/XXXX, there is MISSING data. 

These inaccuracies are misleading and shows no confidence in the reporting of this account, and is detrimental to my credit worthiness. Please delete this inaccurate-filled account immediately.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (FL)

So I got charge for a service at a medical center XXXX XXXX occupation in Alabama however I never proceeded with the service I explain to the bank that I needed the service within a certain timeframe in and they offered to have it completed or given me a letter signed by the management to present to XXXX however they declined it after they had done my XXXX XXXX and since they couldnt do that it would have not work for me as I had 13 days to present this information to XXXX. So I filed a claim with my bank Wells Fargo they provided temporary credit and today they did a chargeback on my account.
Consumer complaint received 2023-03-11
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. (TX)

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. 

U S DEPT OF EDXXXX  Account number # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX number XXXX XXXX ; U S DEPT OF EDXXXX XXXX Account number # XXXX has violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a5 ) 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.

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 information is inaccurate.
Consumer complaint received 2024-05-02
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. (GA)

I am writing to dispute the accuracy of account information regarding Account Number XXXX, reported on XXXX. XXXX, XXXX. 

Key discrepancies : 1. Monthly Payment : Incorrectly reported as {$0.00}.

2. Payment History : Details on last payment date, current payment status, and worst payment status need clarification.

3. Account Status : Derogatory status and remarks about repossession require validation.

Please conduct a thorough investigation and provide documented proof supporting the reported information. I expect a written response within 30 days, as per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-20
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. (IL)

XXXX ( Original Creditor : XXXXXXXX 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 XXXX XXXXXXXX has violated my rights. 

XXXX5 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 information is inaccurate.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 2024-08-31
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. (CA)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (GA)

XX/XX/XXXX, I looked at my report. I sent a letter to XXXX and equifax on XX/XX/XXXX asking them to reinvestiagate these accounts : XXXX XXXX XXXX, XXXX XXXX Also a XXXX XXXX account that synchrony doesnt have any info on. 
Also the account XXXX uplift XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 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 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 1681eb they are supposed to ensure this ( b ) Accuracy of report 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. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report 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.
Consumer complaint received 2024-05-02
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. (IL)

I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 
Here are the specific items in contention : XXXX XXXXXXXX XXXX  XXXX I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. Thank you in advance for your immediate attention to this matter.
Consumer complaint received 2023-03-12
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. (GA)

After taking a look at my consumer report, I observed that I have 2 late payments on an account that I was never late for. Consumer reporting agencies have a vital role in responsibility for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on a payment for this account XXXX XXXXXXXX. Please investigate and provide proof with statements proving when this delinquency commerce or any other documents proving that these payments were late. If proof can not be provided ; I demand these payments be updated to ON TIME as they should be as I was never late. 

According to the FCRA 15 U.S. code 1681 e consumer law, the maximum accuracy and methods of verification should be provided to me as it is my consumer right.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.
Consumer complaint received 2023-03-12
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: Experian Information Solutions Inc. (PA)

I checked my personal consumer report, which I acquired from your organization and I noticed that there are unauthorized inquiries, inaccurate accounts and inquiries made and they were not by me.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

Attached is XXXX XXXX XXXX. Experian has refused to investigate this account and has now blocked all further disputes. Experian has been given dispute information from the CFPB showing account information is to be removed yet will no longer accept information and will not run dispute as requested. This has been an ongoing issue for the last 12 months as Experian will block disputes or rush disputes through even when provided with disputing information. Its not proof that Experian is not analyzing any dispute information as previously stated
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) Ive never had a late payment. I filed a dispute to have this corrected and every time each credit bureau say that items are accurate and true. Please remove late payment from my credit report.
Consumer complaint received 2024-05-16
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. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX - XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and i am a consumer and disputed some accounts on my credit report that seemed to be inaccurate to me and after the investigation back from XXXX there still are inaccurate reporting. XXXX verified and updated my consumer profile inaccurate but they said everything is 100 % complete and accurate. I disagree with that so I DEMAND the description of investigation according to 15 USC 1681 ( 7 ). 



This account below is inaccurate from the... 

OPENED DATE ACCORDING TO CONTRACT FROM XXXX XXXX XX/XX/2021 XXXX HAVE REPORTED XX/XX/ ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) HIGHEST BALANCE ACCORDING TO CONTRACT FROM XXXX XXXX {$17000.00} XXXX BALANCE HAVE REPORTED AS {$15000.00} ( INACCUARTE/FALSE REPORTING ACCORDING TO FCRA ) DEFICENCY BALANCE ACCORDING TO XXXX XXXX {$54.00} ( WHICH WAS ALSO REPORTED LAST MONTH AS PAID OFF ) XXXX DEFICENCY BALANCE IS {$5000.00} ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) Account name : XXXX XXXX XXXX XXXX XXXX  They did not modify or delete the inaccurate information on my consumer report according to 15 USC 16811 ( 5 ) ( A ) ( i ). 



Attached is all documents and reports regarding this dispute. 

Contract, Updated Credit File with proof off false reporting and inaccuracies from XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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, Equifax, and XXXX. 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 XXXX 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.