davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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. (TX)

My name is XXXX XXXX, I am formally filing a complaint to dispute the credit reporting made on my mortgage accountHello all, I am formally filing a complaint to dispute the credit reporting made on my account ( account # XXXX ) by XXXX XXXX  in XX/XX/XXXX, and that has damaged my credit score and caused lots of harm to me and family. 

In fact, I initiated the cashier check for the XXXX payment XX/XX/XXXX and mailed to XXXX XXXX XXXX  ( XXXX XXXX XXXX ) on XX/XX/XXXX via US postal service ( attached a screenshot of my bank statement showing the {$2900.00} was deducted from my bank account - {$2900.00} minus the {$10.00} cashier check fees ). I later received a call from XXXX around XX/XX/XXXX that I did not send my monthly payment. I advice the mortgage company that the payment was sent and my bank account was debited. I further provided the shipping track number from USPS showing the check was mailed XX/XX/XXXX. The agent advised to wait until they find the check. I later followed up many time and the answer was always the same : Wait until we investigate and find the check. I became concerned of the timing and raised concerned about them reporting me as being delinquent. After many calls and insistence, one XXXX agent finally told me on XX/XX/XXXX to put a stop payment on the cashier check as they could not locate, and issue a new cashier check. He further assured my that will not impact my credit reporting. I rushed to the bank, placed a stop check on the previews cashier check, and issued a new cashier check for the amount of {$5800.00} ( for the missing XXXX payment and XXXX payment ). I mailed to XXXX same day through priority Mail next day delivery and certified mail. I check later with XXXX and was confirmed that it was delivered to XXXX on XX/XX/XXXX. I was later surprised that XXXX Mortgage reported me as being delinquent for the month of XX/XX/XXXX, stating i sent the payment on XX/XX/XXXX. 

I was not delinquent in XXXX as screenshot from my bank account clearly show the mortgage payment was debited from my bank account on XX/XX/XXXX, cashier check issued and sent to XXXX same day. 

I disputed the credit reporting with XXXX, but they keep insisting i was delinquent and that they receive the payment on XX/XX/XXXX. 

Please help me solve this and fix my credit reporting score that is already being damaged. Thanks.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute inaccuracies in my credit report under the Fair Credit Reporting Act ( FCRA ) Section 611 and Metro 2 compliance standards and Pursuant to 15 USC Code 1681S-2. Specifically, I am concerned with the reporting of certain collection accounts reporting as " open accounts, '' which is incorrect and misleading.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

My account with ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made 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 in ( MONTHS REPORTING LATE ) to be removed.

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

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

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Requesting the removal of unauthorised inquiries on my EXPERIAN credit report. 
I am in XXXX XXXX, and are in the process of purchasing my first home and this information is harming my credit score and possibility of obtaining a lower interest rate.

Below are the unauthorised credit inquiries that need to be removed. 

XX/XX/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
Consumer complaint received 2024-05-31
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)

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

XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$590.00}
Consumer complaint received 2024-05-30
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. (CO)

I have submitted a dispute through Transunion for my previous mortgage loans that have falsely reported to my credit report. The mortgage loans were through XXXXXXXX XXXX XXXX XXXX and XXXX XXXX. I have bank statements showing when we made payments. We also were trapped by the bank into our XXXX home loan, and falsely lead into a high interest rate that benefited the bank, not us the consumer, but they didn't make us aware of everything when we were getting the loan and they had their " board '' make it work. We feel we were used as a consumer and taken by the bank. We also knew the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and we feel that connection is what got us trapped and used for this high interest loan. We are fighting them through the XXXX as well.
Consumer complaint received 2024-08-06
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. (WI)

Hello, I recently did a credit check on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. This Accounts XXXX, is not complete and accurate. 

XXXX XXXX date last active, opening date and date of last payment is not correct, this account t is not accurate.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (GA)

BACKGROUND INFORMATI XX/XX/XXXX XXXX XXXX XXXX  USA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Consumer complaint received 2024-06-12
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: Experian Information Solutions Inc. (FL)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$1800.00} XXXX  XXXX XXXX {$1900.00} XXXX  - XXXX {$150.00} XXXX XXXX - XXXX {$1900.00} XXXX  XXXX XXXX - XXXX {$0.00} XXXX  XXXX XXXX  XXXX - XXXX {$1400.00} XXXX - XXXX {$0.00} XXXX  - XXXX {$180000.00} XXXX XXXX XXXX {$0.00} INQUIRY XXXX XXXX/22XX/XX/year>
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-05-30
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-07-18
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

i am now requesting proof of the previous investigation, I'm asking that you send your method of investigation along with all records of who you spoke with their business address name and phone number as well as documentation that proves this account was late. if you can not provide me with this information in 15 days update this account to paid/never late and send me a copy of my updated credit report. 

XXXX XXXX  Account # XXXX
Consumer complaint received 2024-08-22
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. (CA)

Im seeking your assistance with this incorrect account showing up on my credit report. This issue has harmed my reputation, and I need your help to address it. Your mishandling of my credit report has severely affected me, and due to your inaccurate reporting, my reputation has suffered. It is crucial to eliminate these inaccuracies so I can have peace with my family.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VYSTAR CREDIT UNION (FL)

This is not my debt. It belonged to my ex-partner XXXX XXXX. The debt is from 2009. It has been paid by XXXX. The company a third party collection agency threaten me to pay a debt that one doesn't belong to me and 2 a debt that was closed in 2009 which is not even collectible. The company has placed the debt that doesn't belong to me on my credit report. I have called and replied to them to remove the collection as it is from 2009 and belongs to XXXX XXXX and not XXXX XXXX. They have people outside of the US calling me threatening me and threatening to take me to court. Account # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX Original Creditor : VyStar Credit Union Current Balance : {$750.00} Dear XXXX XXXX This notice is from XXXX XXXX XXXX XXXX XXXX. Your debt was previously owned by Vystar Credit Union ( Vystar ), it was sold and is now owned by XXXX XXXX XXXX XXXX XXXX. Company Information : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, IL XXXX XXXX From XXXX CST, Monday to Friday XXXX  : XXXX  You may email us with your option selection. Send email to XXXX To take advantage of this offer, you must confirm acceptance of an offer within 15 days of the date of this letter. XXXX XXXX XXXX XXXX XXXX is not obligated to renew these offers. Make your check payable to XXXX XXXX XXXX XXXX XXXX. Include the reference number XXXX Payments, Correspondence, or Complaints may be sent to : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, IL XXXX or XXXX You may call us to discuss which option is best for you.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have been trying to resolve this dispute for XXXX years. When XXXX hit, XXXX offered an alternative payment plan, which they advertised on their website and to their customers. Due to the global emergency, customers were put on a plan to pay less and not be reported. I was put on this plan but started getting reported each month. I have never had late payments until XXXX. I contacted them multiple times and explained that they had put me on the global emergency plan, and they agreed that I was not supposed to be reported. Despite this, I have been reported almost XXXX times for two separate loans, and there has been no response from XXXX. They continue to threaten to charge off, and I continue to make payments as best I can, but I can not catch up with the past due amount. I would not have any past amount if they had never put me on the plan and reported otherwise. They fraudulently placed me on a plan and reported me as delinquent even though I made the new payment as required. I have documentation over the last three years to show they lied and continue reporting me. I will be seeking legal remedy with the state attorney general as well. These fraudulent practices shall not continue. They put me on a plan I didnt need, had me pay a different balance, and lied and reported me for not paying enough.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I am filing this complaint to address an issue with late payments on my credit report. After reviewing my records, I found the presence of these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response, and the creditor has failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-30
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. (MO)

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 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I declare under penalty of perjury funder the laws of the United States. If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money : and, was successful in creating accounts All is being investigated by the FTC XXXX
Consumer complaint received 2024-05-31
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. (MI)

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.

has violated my rights. Or a list of inquiries : 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 XXXX 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 2024-05-30
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. (IL)

I am writing to follow up on my previous communications regarding several inaccurate accounts that continue to appear on my credit report. Despite my earlier disputes, these accounts have not been corrected or removed and are unjustly affecting my creditworthiness. 

Despite submitting this comprehensive information, I have not seen any corrective action taken. These accounts continue to appear on my credit report, reflecting inaccurately and unfairly XXXX my credit score. 

Furthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.
Consumer complaint received 2024-05-31
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)

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.