davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
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. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-24
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. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several account that is reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the company related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. Please update the account : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

On XXXX-XXXX-18 I have sent a, ask to validate so called debt I owe to the creditor and the bureau I have yet to properly receive anything from the debt collector themselves. 

According to the Texas state secretary website XXXX XXXX   Does not have a active surety bond to collect in the state of Texas. Please assist in removing this from my credit reports.
Consumer complaint received 2024-08-07
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-06-03
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-05-24
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. (CA)

I am writing to address an error on my credit report, which was inaccurately processed by XXXX XXXX XXXX XXXX The bank failed to send statements due to a very small balance. Upon identifying this issue, I promptly contacted XXXX XXXX XXXX XXXX XXXX the error. They acknowledged the error in their recording software and agreed to update the payment status to " open/never late '' to accurately reflect my payment history. It is imperative that this correction be made on my credit report to ensure the accuracy of my financial standing. I kindly request that you update this information accordingly to reflect the correct payment status. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
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 writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. PLEASE DELETE THE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
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. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several account that is reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the company related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. Please update the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
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. (AL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NATIONSTAR MORTGAGE LLC (MS)

Nationstar mortgage company known now as Cooper nationstar have foreclosure on my credit report and I never went through foreclosure with Nationstar between the year XX/XX/XXXX and XX/XX/XXXX. I was going through a shortsale process and the next thing the realtor/broker and I knew the building was sold without us knowing. I didn't worry about it I just wanted out but in XX/XX/XXXX I saw Cooper Nationstar had a foreclosure on my credit report and when I tried talking to them the would say they are working on it. I lost out on the house I was trying to purchase the lender for the house I was trying to get reached out to Nationstar and they stated it looked like a short sale but wasn't sure and they told lender he would have to talk to their lawyer. I lost out on the house and I lost about {$3000.00} trying to purchase the house. I don't know what they did but the transaction on selling the building without me knowing didn't seem right and I should not have a foreclosure on my credit. The information was not accurate in any way at all. I had no Ideal this was on my credit.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It looks that my credit history has been corrupted. Again, I was going through my documents and discovered numerous stuff that did not belong to me. Since I'm a stickler for research, I discovered that under section 605b of the FCRA, 3 credit bureaus are compelled by law to remove any things discovered to be fraudulent owing to identity theft. The disputed things do not belong to me. Please remove these items. 
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 Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00}
Consumer complaint received 2024-05-24
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. (FL)

I am formally filing a formal complaint against XXXX XXXX regarding an issue with the reported balance on my account. Attached to this letter is a document provided by XXXX XXXX, which indicates a balance of {$1300.00}. However, my records and recent statements from XXXX XXXX consistently show a significantly higher balance of $ XXXXThis discrepancy is deeply concerning to me as it has the potential to impact my financial standing and may result in unnecessary fees or penalties. Despite my attempts to address this issue with XXXX XXXX directly, I have been unable to obtain a satisfactory resolution .I have made every effort to reconcile my records with those provided by XXXX XXXX, but the disparity remains unresolved. It is my belief that there may be an error in the reporting or calculation of my account balance on their part.
Consumer complaint received 2024-06-25
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. (NY)

I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.
Consumer complaint received 2024-05-24
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: EQUIFAX, INC. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my Gmail emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-24
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)

XX/XX/XXXX To : CFPB From : XXXX XXXX. Last XXXX of social. XXXX. Birthdate XX/XX/XXXX I am again disputing the XXXX XXXX inquiry dated XXXX from XXXX XXXX on my credit report. 

I have disputed this several times and seem to get the run around every time. Perhaps I didnt explain it well enough. Hopefully someone will read this and understand what happened. 

Today I talked again to XXXX XXXX who wrote the attached letter to me on XX/XX/XXXX. 

We talked about the unauthorized credit pull on XX/XX/XXXX. We talked about the origin of this pull, and he said that they didnt pull it, that the dealership had. 

I went back to the dealership and asked them to verify it. I did that in XXXX of XXXX and they sent me the attached email, telling me that they didnt pull it. 

So, I have asked XXXX to remove it and they said they cant. 

I have asked Equifax to remove it and they come back with a factual statement that obscures their failure to remove an unauthorized pull on my credit report on XX/XX/XXXX. 

It seems that the CFPB wields the power, and they should tell XXXX to remove it. 


Thank you. 


XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

| recently received a copy of my credit reports and found that XXXX and EQUIFAX are illegally reporting inaccurate, non compliant, and false information about me. XXXX is reporting TWO accounts from XXXX that are reporting as collections, open and with balances. EQUIFAX is reporting ONE XXXX account. 

This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standard. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report. XXXX is required to remove any information that is not true, accurate, COMPLIANT, and verifiable. I demand that these above mentioned derogatory items be permanently removed from my report.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I've consistently made payments on time for this account and never let them be overdue. I'm puzzled as to why there are reports of late payments on my record. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-24
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. (NM)

So after Initially sending a letter to remove any derogatory information they had provided to my credit agencys after I got your company involved they answered your request and Intially send something which then did increase my score back to what it was before, then a week later they then turned back around and resent the derogatory false reporting back to my credit report which then lowered my score for the second time by reporting false information that I didnt make my payments on time which I have proof of every payment paid as agreed however they literally re reported the derogatory information to ruin my credit score for the 2nd time in a couple of weeks then they also sent me a notice today saying due to my credit history they are now lowering my limit by over XXXX dollars on one of the accounts due to my credit profile history which now makes it look like Im way above my credit limit and hurts my score even more! This company needs to be dealt with immediately as they are destroying my credit and playing games with my life which isnt professional at all as this is seriously hurting my credit score I have proof of the Intial time they sent to the credit agency the removal of the derogatory and then today I get the same report back for the exact same deroga which then lowered my credit score again this needs to be removed immediately and I need your protection as this was sold to me initially as a credit card which then turned into a line of credit then because I had such good history they gave me another account which I wish I would have never accepted and it was so misleading! But all I want is for them to remove the false information that they have no 2 times reported against me for the same thing after removing it then for no reason re reported the derog to hurt my score again There hardship program is misleading because although you make the payments that they tell you that you will need to make your balance doesnt go down at all and this cant be right after 6 months of making payments on both accounts niether accounts balance dropped not even XXXX dollar. Please consumer finance.gov please help me as I have proof of everything and these people are predatory lending and making false claims to the credit reporting agencies to destroy my credit score!