davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit and personal information has been compromised by the XXXX DATA BREACH. Here is the proof : ( see attached ) My personal data has been effected as well as my social security number being utilized by another party. 

XXXX has refused to delete and remove these accounts from my report. See the following : XXXX XXXX XXXX XXXX - Would not provide act # Amount Owed {$190.00} XXXX XXXX XXXX XXXX Act : XXXX. ( Won't provide full acc_ {$340.00} XXXX XXXX XXXX Amount Owed : {$1100.00} XXXX XXXX XXXX  XXXX Amount Owed XXXX. 

Any and all accounts need to be deleted immediately. Many of the past accounts have been paid and the creditors have refused to remove them and/or show proof of ownership of said accounts after they supposedly 'purchased ' said debt.
Consumer complaint received 2023-12-10
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. (IL)

I was trying to buy a house and I have just been recently checking on my credit report. While I was checking report I realized it was damages on my report. According to the 15 U.S.C 1681 law there should not be any damages on my report and its a defamation to my character.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX and this is not a third of party filing this complaint. As a consumer my rights are being Violated from the following credit reporting agencies. XXXX, EQUIFAX and XXXX. They are reporting UNVERIFIED, INACCURATE & FRAUDULENT accounts on my consumer report. And it is costing me grave damage to my reputation. I have attached several documents for your review. 
Please rectify this matter immediately.
Consumer complaint received 2016-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

I received a notice from Convergent regarding a debt in the amount of {$490.00} that was charge-off in XX/XX/2003 ( 13 years ago ). I believe this debt exceeds the statute of limitations under the FDPCA ; however, I requested Convergent to provide proof of the debt. Convergent later follow-up with a letter stating that the debt is valid and included a record that does not correspond with the amount due ( attached ). I believe 1 ) the debt they are trying to collect exceeds the statute of limitations, and 2 ) the amount is incorrect.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar mortgage bought my loan from Ocwen loan and it 's been nothing but trouble ever since. I have never made a late payment on my loan in 13 years. Suddenly this company takes over my loan and starts treating me like a deadbeat calling me morning noon and night to tell me they have not received my payment-TWICE the representative found the payment while on the phone with me and I still got ANOTHER call that same night telling me my payment is late. They also can not explain to me why my escrow payment is higher ... not a good sign. Then they call to sell me more products all the time-very disruptive. I 've never had a problem with my XXXX XXXX Bill Pay payments being received late yet these XXXX just ca n't seem to match up account numbers with money-they have no customer service standards whatsoever. So, they want to complain and harass me about my payment being late yet tell me that they want to sell me more products. I do n't get it. I wish they 'd never bought my loan. There are a lot of complaints out there about them.
Consumer complaint received 2023-09-12
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. (NC)

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 information is inaccurate.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/year> I sent a letter to the credit bureaus requesting that they remove this account for consumer portfolio due to discrepancies. They responded as this account is accurate and updated. It is not. 

I sent a follow up letter XX/XX/year> to them stating that I would like for this account to be removed. 
Again they did not remove the account.
Consumer complaint received 2023-06-19
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. (MO)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 

In accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 

I AM REQUESTING YOU TO PLEASE PROVIDE ME WITH THESE 4 THINGS BELOW, IF YOU CAN NOT PROVIDE ME WITH THESE FOUR THINGS PLEASE REMOVE ALL OF THESE ACCOUNTS FROM MY CREDIT REPORT. 


1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX XXXX XXXX  Account XXXX XXXX 4. Account Name : XXXX XXXX Account # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX 9. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX 11. Account Name : XXXX XXXX XXXX  Account # XXXX 12. Account Name : XXXX XXXX Account # XXXX 13. Account Name : XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-04
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. (NC)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-04
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-10
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. (CA)

As per the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ) a federally protected consumer, it emphasizes the necessity of ensuring that consumer reporting agencies carry out their responsibilities with fairness and respect for the consumer 's right to privacy. Notably, XXXX and XXXX function as consumer reporting agencies, with me being the consumer. I assert my right to safeguard my private information, supported by 15 USC 6801, which states that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and protect the confidentiality of nonpublic personal information. 
Under 15 USC 1681, Section 604, Subsection 2, it is specified that a consumer reporting agency may only furnish a consumer report by the written instructions of the concerned consumer. I am now opting out of all authorization I the consumer may have given written, unwritten, verbal, and nonverbal, for the furnishing of my information by financial institutions or consumer reporting agencies, such as XXXX and XXXX. Any consent or authorization given to report my information to a third party is hereby revoked. I am now rescinding that authorization, this is effective immediately and indefinitely. 
Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without informing the consumer of their option to exercise nondisclosure. I was not informed of this right by the furnisher of information to credit agencies. 
Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially information exceeding seven years. The reporting of adverse information without my permission violates this provision.

Per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, no person shall furnish inaccurate information to a consumer reporting agency. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations and restrict the furnishing of consumer reports to specific purposes. XXXX and XXXX appear to be non-compliant with these obligations. 
Moreover, 16 CFR 313.1 affirms my right to opt out of reporting services at any time. I am hereby exercising this right and opting out of your reporting services. The law states it is illegal to report my transaction history and ask for the information to be updated to show paid as agreed.
Consumer complaint received 2024-06-04
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. (TX)

Consumer Name : ( XXXX XXXX XXXX ) XXXX Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists OF PERSONAL CREDIT CARDS ACCOUNTS OPEN AT BANK XXXX XXXX ON XX/XX/XXXX UNDER ACCOUNT NUMBER XXXX, XXXX CARD ON XX/XX/XXXX UNDER ACCOUNT NUMBER XXXX, XXXX BANK XXXX ON XX/XX/XXXX UNDER ACCOUNT NUMBER XXXX, AND XXXX BANK XXXX ON XX/XX/XXXX UNDER ACCOUNT NUMBER XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear TransUnion, XXXX, and XXXX Re : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 
I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : XXXX All XXXX bureaus have status as late 60 days. 
XXXX last date of payment as XX/XX/22 but also has on the payment history as 30 days late for that month. 
TransUnion and XXXX both have the last payment date as XX/XX/22. 
Please update to pays on time every time and remove derogatory info from my report for this account. 
After doing so please provide me with an updated credit report reflecting the changes. 
Thank you for your time,
Consumer complaint received 2024-07-13
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 disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX XXXX, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

Subject : Dispute Request - Inaccurate Reporting of Collection Account by Wells Fargo ( Account Number : XXXX ) Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal dispute regarding inaccurate information on my credit report, specifically related to a collection account reported by Wells Fargo ( Account Number : XXXX ). I have recently obtained my credit reports from XXXX, XXXX, and XXXX, and I have identified significant discrepancies in the reporting of the last active date for the same collection account across the three credit bureaus. 

Account Information : Creditor : Wells Fargo Account Number : XXXX Inaccurate Last Active Dates : XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inconsistency in reporting last active dates is not only confusing but also violates the accuracy requirements outlined in the Fair Credit Reporting Act ( FCRA ). I believe that the discrepancies negatively impact my creditworthiness and may result in an inaccurate representation of my credit history. 

I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies in the reporting of the last active date for the Wells Fargo collection account. Specifically, I am requesting the deletion of this item to ensure that my credit reports accurately reflect my credit history. 

Enclosed with this letter, please find copies of the relevant sections of my credit reports from XXXX, XXXX, and XXXX, highlighting the discrepancies in the reporting of the last active date for the Wells Fargo collection account. Additionally, I am providing any supporting documentation that may assist in your investigation. 

I understand that the FCRA requires credit reporting agencies to investigate and correct inaccuracies within a reasonable time frame. I appreciate your prompt attention to this matter and request that you inform me of the results of your investigation in writing. 

Thank you for your assistance in resolving this dispute. I look forward to a swift and accurate resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-13
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. (MD)

DEAR, TRANSUNION I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXXXXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX - CARD SERVICE IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Consumer complaint received 2024-06-04
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. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-13
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. (VA)

CFPB, I fill that TRANSINION, XXXX are giving me the run around about the XXXX XXXX XXXX account. Again I've disputed this account XXXX times XXXX XXXX the phone and XXXX on there website both of these companies are interfering with my personal life, and I'm not happy about. CFPB, I did a dispute over the phone with XXXX and they removed the XXXX XXXX XXXX account from my credit report because XXXX, understood losing my job during the XXXX CRISIS wasn't my fault again how could anyone pay bills if they don't have a job. That's what's going on in the world today is judgement and I fill that both companies are judging me, and I see it clearly. CFPB I will upload screenshots of XXXX deleting that XXXX XXXX XXXX ACCOUNT.
Consumer complaint received 2023-12-10
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)

XX/XX/XXXX I contacted Transunion about inaccurate information on my credit report and I had previously contacted the Collection Agency XXXX, XXXX, XXXX and feel my rights have been totally ignored. {$1000.00} have been reported for 3years inaccurately now since I stated I will contact CFPB the agent was very rude. I checked my Transunion Report and was very upset because I requested Transunion to Remove the Inaccurate account of XXXX XXXX XXXX and they changed original amount to an past due amount and balance change states {$550.00}. I did not request a change or update I requested Transunion to remove and delete the account they are reporting False unverified information about me and has caused me to be denied Assistance with this negative impact.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to highlight the fraudulent personal information linked to my identity. Certain accounts and transactions have been erroneously associated with me, causing significant distress and concern. I have fallen victim to identity theft and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial stability and personal integrity. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is greatly appreciated.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.