davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-28
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. (NC)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter
Consumer complaint received 2023-09-11
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)

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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account is being unlawfully reported : XXXX XXXX XXXX amount {$2400.00} 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Credit report correction. I have attached the accounts that need deletion, please make this correction to my credit report.
Consumer complaint received 2024-05-28
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. (FL)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CORELOGIC INC (PA)

Corelogic sent an escrow mortgage payment for my XXXX loan to pay for my XXXX XXXX taxes on XXXX for the amount of {$1000.00}. This is for my XXXX and XXXX taxes. Even though the XXXX tracking number shows that the check was delivered, the payment was NOT received and the check was never cashed. I am trying to get Corelogic to reissue this check to pay for my XXXX and XXXX XXXX taxes. Because Corelogic has not listened to my request, these taxes are now delinquent and past due. I need Corelogic to send a new check, HOWEVER THE AMOUNT DUE IS NOW DIFFERENT SINCE IT IS PAST DUE. THE NEW AMOUNT OWED IS {$1100.00}. I should not be responsible for this late payment since Corelogic has not handled my request after I have called in dozens of times over the past month. The new check needs to be made payable to " XXXX of XXXX ''. It needs sent to : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. My block/lot number of XXXX needs to be on the check. 

If you are calling XXXX XXXX XXXX to confirm if my taxes are paid, YOU NEED TO REFERENCE THAT THIS IS FOR XXXX AND XXXX.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name ; XXXX XXXX XXXX XXXX Account Number ; XXXX auto lease Account Name ; XXXX XXXX XXXX Account XXXX ; XXXX Auto Lease Account Name ; XXXX XXXX XXXX Account Number XXXX Account Name ; XXXX XXXX  XXXX Account Number ; XXXX Account Name ; XXXX XXXX XXXXXXXX Account Number ; XXXX 15 USC 1681 section 602A. States I have rights to Privacy 15USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furbish 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 2018-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PR)

I recieved a call from Navient this past XXXX regarding my past due payment from my private loans of Salllie Mae ( Navient ). They have been recieving all my payments both send the payments to the federal loans that Navient recently adquired. I have been sending my payments to the same place since XXXX without any problem. I have been sendind double payments bacause I was trying to paid them before the time according to my already schedule payment. I never got a phone call or a notification of any changed in my account. Due to the problems with hurricane Maria XXXX and the lost of many of the comunication here I didnt noticed that the payments wasnt going to the right place. I talked to different numbers of Navient looking for an explanation and to try to understand what they can do to fixed all these situation. I call them every week to see if they can help me always got this answer your credit is going to be affected if you dont pay again but I see all the payments youre telling me here ( Navient system ) ; but we need the payments to dont charge you late fees
Consumer complaint received 2018-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PR)

After 10 years sending the payments to my private loans with Sallie Mae ; they notify me this XX/XX/2018 that they havent received a payment for that account. Apparently the payments I have been sending they decided to moved all my payments to the federal loans without any explanation or notification. Because I have my private student loans over paid I wasnt notify until all those payments prepaids finished. Now they are charging me late fee and trying to affect my credit because I havent sent any payment something that is not right. Im kept on sending my payments as usual.
Consumer complaint received 2024-05-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This debt was payed with XXXX as a deal to sign up for service and they would get rid of old debt. I have had service with XXXX since this debt. How could I have service if I owe them.This was years ago. Keeps getting sold to collectors.
Consumer complaint received 2024-05-28
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: EQUIFAX, INC. (PA)

I sent a letter on XXXX XXXX to remove this item that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  Balance : {$100.00} XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} 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
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The part credit bureaus play in the overall financial scene should not be overlooked. Errors can have a cascading effect on various industries, including employment and housing. It follows that maintaining accuracy and integrity is both morally and legally required. Credit bureaus have an absolute duty to uphold accuracy and truthfulness in their role as custodians of powerful information. The adage " knowledge is power '' is especially true in this day and age when knowledge truly is power. But knowledge 's power is heavily dependent on its accuracy XXXX XXXX XXXX  : Regarding your data 's accuracy in light of Metro 2 guidelines, I'm extremely concerned. We must correct any errors or omissions as they may have a negative effect on the report 's credibility. I want you to carefully go over everything and remove any errors as soon as you can.

Ive already completed a FTC report stating that this item was not me. TRANSUNION REMOVED THE ACCOUNT THEN PUT IT BACK ON MY CREDIT REPORT. THEYve never sent any copy of proof or telling how theyve completed their investigation.
Consumer complaint received 2018-11-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PR)

Equifax has made it impossible for me to dispute errors on my credit report even though I am a victim of their data breach. I have tried more than a dozen times doing it online and a couple over the phone. No negative remarks should be on my report.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-28
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. (NC)

On XX/XX/2024 i sent certified mail to XXXX and XXXX ( XX/XX/2024 ) to verify the XXXX debt the accuse me of allegedly owing. XXXX never got back to me with info showing who they contacted to verify the debt w/ name and number according to the law. They told me to follow up with XXXX because they could never verify the information. Meaning they never reached out to anyone WHICH IS THEIR JOB. And if XXXX can not be reach and if they are not responding XXXX SHOULD DELETE THE ACCOUNTS BC THEY CAN NOT BE VERIFIED. My next step it to file suit against them because this is beyond unlawful.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
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 always pay on time, and I am certain of this. I am diligent about meeting my payment deadlines and have no doubts about it. My accounts should be updated to remove any late payment remarks from my credit report.
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PR)

On XX/XX/XXXX, I purchased two suits from XXXX, a company that makes bespoke suits. This company committed fraud, did not meet its terms of service, and lied about their shipping arranagments to me. I received the suits, to an address in XXXX, because they would not ship the suits to XXXX XXXX, where I currently live. This is despite nothing in their terms of service claiming they would not ship to XXXX XXXX. It only states they do not ship internationally, and XXXX XXXX is part of the United States -- so the shipping would indeed be within the same nation and not " international '' The suits, which I had to fly to XXXX to pick up, did not fit me at all. This was despite a guarantee they would. They refused to allow me to get them tailored in XXXX XXXX, again claiming in International. XXXX XXXX is not international, and to highlight the absurdity of this argument they could of simply used the USPS and not paid additional shipping costs. Also, I would even be willing to pay additional shipping costs. 

My credit card company asked for a letter from a competitor, which I was able to get and provided. This gave the expert opinion that XXXX was not acting within industry practices. I also provided all my correspondence indicating they would not remake the suit from a tailor in XXXX XXXX and they would not honor their guarantee. Despite this, they would not reverse the charge. This is against their terms of service. 

XXXX also refused to accept a return of the suit and provide a refund.
Consumer complaint received 2024-06-05
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. (NY)

On XX/XX/2024, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report, as well as incorrect personal information. I took thorough steps to ensure the completeness of my dispute by including a copy of my photo ID, social security card, and a recent bill with my current address. These documents were intended to assist Equifax in verifying my identity and address accurately. 

Despite my efforts, I did not receive a response from Equifax regarding the investigation results. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is evident that Equifax has failed to fulfill this obligation by not conducting a reasonable investigation upon receipt of my dispute.
Consumer complaint received 2024-05-27
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)

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 Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : DEPTEDXXXX  Account Number: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 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Account name : # DEPT OF ED/XXXX, Account : # XXXX, Account name : # DEPT OF ED, Account : # XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 1681s-2 they are suppose to 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 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO (PR)

On XX/XX/2018, I made the payoff payment of my auto/leasing loan with FirstBank Puerto Rico number XXXX, this payment was processed a week later, First Bank PR continue reporting a wrong information in on my credit report with XXXX that is prejudicial to me. FirstBank PR continue reporting that the loan is active open and with past due balance plus 180 days affecting my credit. 


I made a dispute with XXXX XXXXConfirmation Number : XXXX -completed on XX/XX/2018 indicating that FirstBank PR indicates that account is open and on past due, information thats not correct. I contacted XXXX  on XX/XX/2018, and they indicated that still ( according to the last reported day of FirstBank of PR on XX/XX/2018 ), they are reporting that the account is " Open '' and on " Past Due '' with more than 180 days, the correct information must be " Closed '' and " Paid off ''. 

Yesterday XX/XX/2018, I contacted FirstBank PR by phone and they indicated that they are going to send me a letter so that I can send it to XXXX by mail. I let them know that they are responsible of provide the correct and updated information to the different credit reporting agencies. 

They dont provide any further resolution either take an effective action to correct their actions.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PR)

All the potentionally negative credit in my report from experian is from more than 7 yrs old. They keep updating the date fraudulently, when all of them were more than 10 yrs ago. I called experian and the gentleman that took my call told me many thing which would make me loose my rights under the law. I felt that the credit company was sponsoring to commit fraud to the consumers ( me ).