davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
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. (TX)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

The following inquiries were not authorized by me and/or I do not recognize the account : XXXX. XXXXXXXX XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX  XXXX on XX/XX/XXXX by XXXX XXXX. XXXX  on XX/XX/XXXX by Equifax XXXX. XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX  on XX/XX/XXXX by Equifax XXXX. XXXX on XX/XX/XXXX by Equifax XXXX. EQUIFAX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by Equifax
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I formally request for the removal of fraudulent collections and unknown addresses from my credit report, which I believe are negatively impacting my credit score. After a meticulous review of my credit report from your agency, I have identified several items that require immediate attention and removal. I have enclosed supporting documentation that validates the correct information. I am pleased to request that you investigate this matter and remove the inaccurate collections and unknown addresses from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (NC)

I requested removal of pmi as the balance of my loan was below 20 % of the initial appraisal, as their requirements stated. After which they declined, stating that it was then based off of the loan amount. Now that I am below that threshold I am being told they they belive my property is now worth less and will not remove PMI.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (FL)

On XX/XX/year>. I was in XXXX XXXX on vacation. When i checked my email. I received an email from Western Union dated XXXX XXXX at XXXX PM. ( First email ) that said a person named XXXX XXXX XXXX can now pick up the Money. I don't know this person is. I did not know what the email was about the i found additional email that said your money has been picked up and there is three other transactions and its worth {$400.00} each transaction and the money is on that person already. I called Western Union as soon as i found out the fraudulent transaction and they advice me to call my bank to file a dispute and call CFPB for a record.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

Hello Ive disputed this account before with XXXX system. They are reporting a collection as an open and past due account. They are also sending me a bill for XXXX but reporting {$190.00} to credit bureaus. This is inaccurate reporting. I am keeping dispute letters on file and their responses. My next step is to file a complaint with the state attorneys office if this item is not removed. I also asked them to cease all communication and they keep contacting me. I attached a copy of the collection for your reference
Consumer complaint received 2024-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This information is very wrong, I do not recognize that it is mine. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
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)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-01-18
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-04-25
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. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
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. (TX)

I have disputed with the creditor XXXX XXXX XXXX XXXX XXXX XXXX. the debt was sold to a third party debt collector ( XXXX XXXX in XXXX. XXXX XXXX & XXXX XXXX I sent a letter to the third party asking for purchase agreement and copy of contract & the company did not respond within the 30 days to investigate required by law. The creditor has illegally Re-Aged this account illegally with date active from XX/XX/XXXX to XX/XX/XXXX reporting. TransUnion & XXXX XXXX XXXX have different date active dates & Last Reported Dates with different amounts etc even though I sent my letter on XX/XX/XXXX They have not responded to me with validation which they have failed to do proper updates or proper investigation which the credit reporting agencies would see several FCRA violations with this account
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My available credit XXXX  went from XXXX toXXXX increase XXXX should be a plus using about 24 % of credit. My XXXX balance was increased XXXX, before i made a payment of XXXX on XX/XX/year> bringing my balance down XXXX including my leased auto and XXXX to XXXX total both XXXX, i have available credit XXXX using about 3 % of total credit. equfax dropped my fios score XXXX points and XXXX XXXX XXXX points.I have never had a late payment or any negative credit my fios always states excellent.Something is really wrong. I also own my house free and clear value over XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

See attached legal documents FACT 1 Attached car contract w/ XXXX XXXX XXXX XXXX. 
FACT 2. Equifax is committing CONSUMER FRAUD/FCRA Violation & posting FAKE name " Public Service XXXX on Equifax credit report.

FACT 3. XXXX document says NOT affiliated with XXXX XXXX XXXX. 
FACT 4 : Equifax digs fake info off the dark web is FRAUD & post fake account on my credit report.

FACT 5 : Equifax has corporate hackers is FRAUD.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In XXXX, I completed disputes with Equifax and XXXX to resolve incorrect reporting of my Dept of EducationXXXX accounts that were opened on XX/XX/XXXX with balances in the amount of {$33000.00} and {$27000.00} respectively. These loans were originated as a federal student loan consolidation with an origination date of XX/XX/XXXX and final payoff and closing date of XX/XX/XXXX as documented with the Department of Education. A copy of the loan documentation sourced from the Department of Education is attached herein. 

Currently, both the Equifax and XXXX reporting of these accounts are inaccurate. Both CRAs continue to falsely report that these accounts were opened on XX/XX/XXXX and closed on XX/XX/XXXX, triggering a false reporting that the accounts were only open for a total of 7 months. Further, additional information fields continue to report incomplete or inaccurate information. A copy of the account reporting issued by Equifax and XXXX is attached herein with all incorrect fields requiring updating highlighted in yellow. 

After completing a series of disputes to correct this information, the dispute results issued by both CRAs falsely confirmed that the information was verified with the furnisher as correct. A copy of Equifax 's dispute results as of XX/XX/XXXX is attached to this complaint. XXXX also received a dispute for this account however results were not made available to me as the site continues to block, restrict, and prevent access to my disputes. Attached is a copy of the error messages and screen messages I received when attempting to access my dispute results for these loans. 

This complaint is being filed to request prompt correct of the inaccuracies currently being reported, including updating the payment history, loan close date to XX/XX/XXXX as documented by the Department of Education, and the other accuracies as indicated in the attached
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

After completing my XXXX degree from XXXX XXXX in 2020, I elected to refinance my student loans the following year in XXXX  2021. The loan consolidation process was completed by XXXX, the data furnisher and federal student loan servicer assigned to my manage my loan accounts. After completing the consolidation process with the Dept of Education, I received multiple letters from XXXX confirming the completion of my student loan consolidation totaling the lump sum of {$210000.00}. 
Following the completion of the consolidation loan, XXXX began reporting the {$210000.00} consolidation loan as XXXX separate loan accounts on my consumer credit profile, XXXX loan in the amount of {$30000.00} representing the subsidized portion of the debt and a second loan in the amount of {$180000.00} representing the unsubsidized portion of debt. From the loan origination date in XXXX  2021 to XXXX  2023 ( 17 months ), XXXX was reporting my student loan debt of {$210000.00} as XXXX separate loans. 

However in XXXX  2023, XXXX discontinued reporting the debt as XXXX loans as indicated above and began reporting the debt as XXXX loan. XXXX executed this reporting change by deleting all records of the {$180000.00} loan from my consumer credit reports and subsequently reported the deleted loan as a balance increase of the {$30000.00} subsidized loan account. Despite having the knowledge that the loan had an established XXXX account history by XXXX  2023, XXXX made no effort to address the reporting inaccuracies inherent to the reporting change. XXXX knowingly implemented changes to the reporting of my student loans that created material inaccuracies to my credit profile. As of the date of this complaint, there is no record of my student my {$180000.00} loan debt from XXXX  2021 XXXX  2023. From a risk perspective, reporting my student loan debt as a {$30000.00} installment loan established in XXXX  2021XX/XX/XXXX that increased to {$210000.00} in XXXX  2023 in not only falsely representing the loan history, but it also inaccurately presents me as a higher risk consumer, falsely representing that I have incurred significant new debt in the past XXXX  months. As a consumer, I have a right to dispute incomplete and inaccurate information on my credit reports and yet, when I disputed these obvious inaccuracies, XXXX and the CRAs failed to act as required by law. 

It is my hope that filing this complaint will result in swift resolution of this matter by a complete updating of my student loan account. Thank you for your prompt attention to this matter to ensure that my credit profile is accurate.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The XXXX major CRAs are violating CONSUMER CREDIT LAWS by reporting inaccurate information amongst them : Experian : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX HM XXXX 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 XXXXXXXX XXXX XXXX XX/XX/XXXX The attached reports reveal the inaccuracy and deprivation of my right to accurate reporting. These inaccuracies have been circled in RED. Take Notice. 

This is Defamation in the Libel. Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 

The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as Experian, XXXX, or XXXX. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information.
Consumer complaint received 2024-07-27
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. (NY)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

In this follow up I would like to express my extreme frustration and dissatisfaction regarding the ongoing failure to remove fraudulent items from my credit file, despite so many documented attempts to resolve this issue. The persistence of these fraudulent items is unacceptable and requires immediate and effective action. In regards of my previous attempts to address the fraudulent items on my credit file, they remain unresolved. This ongoing issue is causing significant distress and financial harm, and it reflects a serious breakdown in the processes designed to protect consumers from such errors. Several items on my credit report are outdated and should have been removed in accordance with credit reporting laws and regulations. The continued presence of this information is causing significant distress and financial harm. Through this, I am asking for your assistance to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ordered a copy of my report in Identity IQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete its investigation within XXXX  days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX. I believe it was reported in error. Also, correct the address in my fiel. 
XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

A small {$500.00} line of credit account was opened in XX/XX/XXXX with my primary bank at the time, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The account was paid on time, paid as agreed until it was closed by my request in XXXX of XXXX. As of XXXX, I discovered that Equifax was reporting blatantly inaccurate and false information about this account. In XX/XX/XXXX, I filed a series of disputes with Equifax and contacted the data furnisher, XXXX  by phone. After a series of failed attempts to correct the information, I filed a formal dispute with XXXX in XX/XX/XXXX by mail. Attached are the results of the disputes with XXXX and with the CRA, Equifax. All attempts to resolve the reporting errors through the formal dispute process were unsuccessful. XXXX stated in the letter dated XX/XX/XXXX, that the account was updated to report as paid and closed however Equifax 's reporting of this account remains riddled with errors including reporting this account as too new to rate. 

The account reporting errors as recorded by Equifax currently include, but are not limited to the following : Reporting the account status as " Too New To Rate, '' reporting the close date as XXXX, when the account was closed in XX/XX/XXXX at the request of the consumer, High Credit was {$500.00} for which the balance at closing was {$0.00}, Date Reported should reflect soon after the account was closed in XXXX, not XX/XX/XXXX. 

This complaint is being filed for the purpose of resolving the errors currently reporting on this account and to bring attention to inadequacies of the CRA dispute process.
Consumer complaint received 2024-06-13
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: Experian Information Solutions Inc. (TX)

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.