davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am requesting that the account XXXX is removed from my credit report. I notified XXXX, Equifax, and XXXX that they were reporting inconsistent dates for last reported and date last active. I have attached documentation from XXXX XXXX showing that the account was XX/XX/XXXX. There was a payment made to settle the account in the amount of {$640.00}. Equifax is still reporting this as a charge off which is a FCRA violation. Equifax has also re-aged this account by reporting that the date last active was in XXXX which is obviously false when the account was charged off and settled in XXXX. Furthermore, the payment history is inconsistent between all three bureaus which is another violation. Due to the many inaccuracies please remove this account from my credit report.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-12-06
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 XXXX  account # XXXX, has violated my right. 

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.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. 
Creditor name : XXXX XXXX XXXX ; Account name : XXXX XXXX ; and Account name : XXXX XXXX XXXX all have violated my rights. 

15 U.S.C. 1681 A. States I have a right to privacy.

15 U.S.C. 1681 A Section 2 : It also states a consumer reporting agency can not furnish any accounts without my written instruction.

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 and any other adverse item of information, other than records of conviction of crimes which antedates the report by more then 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 2024-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

XXXX XXXX  XXXX XXXX XXXX  reporting on my credit report I have been disputing this account since XX/XX/XXXX which first appeared on my credit report as a STUDENT loan with FIRSTMARK. After disputing XXXX changed the information to XXXXXXXX XXXX which is a collection agency. 

I never signed any contract or applied for any loan with XXXXXXXX XXXX 

Since then they have change and reage the account for example : Reporting inaccurately reporting a closed account with XXXX with a date of deliquency of XX/XX/XXXX The showing and reporting date opened as XX/XX/XXXX QUESTION ; How can a deliquency occured before the account was opened? 

they reage and changed the date to allow the account on my report for 10 years The collection amount was changed XXXX times I never did business with XXXX Reageing an account is a violation of the FCRA I NEVER HAVE ANY ACCOUNT WITH XXXX DATE OF DELIQUENCY : XX/XX/XXXX DATE OPENED : XX/XX/XXXX look at the dates : account deliquent before it was opened???????? 

After pointing out these inaccuracies and reageing of this account with XXXX and XXXX the immediately removed it from my credit file. 
XXXX keep changing the account everytime we point out inaccuracies.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting that the account XXXX is removed from my credit report. I notified XXXX, XXXX, and Transunion that they were reporting inconsistent dates for last reported and date last active. I have attached documentation from XXXX XXXX showing that the account was XX/XX/XXXX. There was a payment made to settle the account in the amount of {$640.00}. XXXX is still reporting this as a charge off which is a FCRA violation. XXXX has also re-aged this account by reporting that the date last active was in XXXX which is obviously false when the account was charged off and settled in XXXX. Furthermore, the payment history is inconsistent between all three bureaus which is another violation. Due to the many inaccuracies please remove this account from my credit report.
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (OK)

See attached XX/XX/XXXX full and complete complaint of a missed payment by XXXX causing a missed payment by Nationstar to be claimed XXXX XXXX XXXX aside from the unresolved error correction of Nationstar 's claim that on XXXX XXXX XXXXXX/XX/XXXX Nationstar allocated {$11000.00} to late fee payments in lines XXXX as a false damaging claim when Nationstar did not have this amount to ever allocate. Nationstar uses detail reports to conceal what is actually allocated within the mortgage file in the internal system. SEE ATTACHED.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (FL)

I SEE ON MY CREDIT REPORT THERE ARE SOME fraudulent INQUIRES, I HAVE CONTACT THE POLICE ABOUT MY IDENTY BEING STOLEN AND CONTINUES BEING USED SINCE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 Name : XXXX Account XXXX Account Name : 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 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I've already contacted you about this matter with XXXX XXXX I, XXXX and XXXX XXXX XXXX nothing has been done and I do not have nor ever had any dealings with either company. Both have sent mailings. 

I've never requested any information from them and the letters are saying I have.
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

In XXXX, 2024, my cellphone was hacked. The hackers got into almost all of my accounts. They changed information in my XXXX account, my email, several of my apps, and I have not been able to recover those accounts. You can try to access my XXXX account and you will see that it is now all in XXXX. I am American and XXXX XXXX XXXX XXXX  or understand XXXX. I have kept a very close eye on my Chase banking accounts, as I have and use the mobile app on the device which was hacked. My Chase account seemed unaffected until XX/XX/year>. I vigilantly checked multiple times a day to ensure there was no fraudulent activity. On XX/XX/year>, I saw an unauthorized payment to someone I do not know, and someone that my bank records prove that I have never sent to before. This amount was for {$500.00}. The recipient was " XXXX '', and someone I do not know. I immediately called Chase Bank and filed a fraud complaint and requested an investigation. As of XX/XX/XXXX, I had no yet heard from Chase, so I called to inquire. I was told that it was too soon. I called again on XX/XX/XXXX, and was told that this transaction was found to be " authorized! '' I assure you, it was not. I am a XXXX XXXX XXXX widow and a 100 % XXXX veteran. I can not afford to lose {$500.00} from my budget. On XXXX, a Chase representative told me to call XXXX to try and recoup my money. I did, and XXXX said that because the transaction occurred on an electronic device and on a bank 's mobile app, that they could in no way assist me. I have waited to receive some sort of official documentation as to the fraud findings from Chase, but to date, have not. Today, XX/XX/year>, I called Chase again and requested that my case be looked at again. The rep stated that they would not. I asked why, and he stated that the transaction in question, on XX/XX/XXXX, had been done by using my facial recognition verification. This is not true, as I did not authorize the transaction to the unknown recipient. When I asked how do they know that a hacker can not also access in bypassing the facial recognition, or making it appear as if I DID verify that way, they could not answer me. If they can get into our devices by hacking, I'm sure they have the ability to get passed verification systems. I asked what other options I have, and the Chase rep stated to make a police report. Aside from being a veteran, I am also XXXX XXXX XXXX  and am very aware that there is literally nothing that can be done with fraudulent cyber crime. I am a very longtime patron of Chase Bank, and I am discouraged that they will not even try to help me recover these funds. If you could please help, in some way, I would be very appreciate and grateful. Thank you.
Consumer complaint received 2024-04-17
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. (NY)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX  - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

Trans Union, XXXX, and XXXX have violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 ) ( XXXX ) 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 data is inaccurate.
Consumer complaint received 2023-03-27
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX has violated my rights. 

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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Late payments on this account should have been reported st current under 15 U.S.C. 1681s-XXXX. A forbearance for the XXXX payment was entered into with XXXX, which put the payment at the end of the loanXXXX  Other special accommodation was enters as well for a moved payment from XX/XX/XXXX to XXXX, as agreed on XX/XX/XXXX On XX/XX/XXXX, the XXXX signed the CARES Act into law, which among other things, provides new consumer protections to consumers impacted by the XXXX pandemic. 
Section 4021 of the CARES Act amends the FCRA by adding a new subsection ( F ) to Section 623 ( 15 U.S.C. 1681s-2 ( a ) ( i ) ) to the reporting obligations of creditors that provide an accommodation to consumers affected by XXXX who have requested accommodations during the covered period of the XXXX pandemic. The covered period began on XXXX XXXX, XXXX and ends 120 days after the later of ( a ) enactment of the CARES Act ( i.e., XX/XX/XXXX ) or ( b ) termination of the presidents XXXX outbreak national emergency proclamation.CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). 

AND XXXX XXXX offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).

AND If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 


I was current as of XX/XX/XXXX, all payments were caught up. The account was not in charge off status. 

All periods of lates fall under the accommodation period because the forbearance added a payment to the end of the loan. 

Further, multiple times the loan had an accommodations due to financial hardship from covid- I lost my entire business starting in XXXX of XXXX. 

There are 19 violations of late payments that disregard the CARES Act Reporting. 

I have tried in XX/XX/XXXX to have the credit bureaus and this company remove the late payments under the 15 U.S.C. 1681s cares Act updates to FCRA. I also tried in XX/XX/XXXX and XX/XX/XXXX. 

I have continued to be financially harmed by this negative account that is in direct violation of Federal Law CARES Act under Section 4021 of the CARES Act amends the FCRA Section 623 L15 U.S.C. 1681s-2
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is reporting an illegal late payment- the amount was current during the CARES ACT FCRA accommodation period, was granted an accommodation, then caught up payments and paid off account. They still show 30 days late payment. 

On XX/XX/XXXX, the president signed the CARES Act into law, which among other things, provides new consumer protections to consumers impacted by the COVID-19 pandemic. 
Section 4021 of the CARES Act amends the FCRA by adding a new subsection ( F ) to Section 623 ( 15 U.S.C. 1681s-2 ( a ) ( i ) ) to the reporting obligations of creditors that provide an accommodation to consumers affected by COVID-19 who have requested accommodations during the covered period of the COVID-19 pandemic. The covered period began on XXXX XXXX, XXXX and ends 120 days after the later of ( a ) enactment of the CARES Act ( i.e., XX/XX/XXXX ) or ( b ) termination of the presidents COVID-19 outbreak national emergency proclamation. 

CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). 

AND If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 


Further I have attempted to resolve this multiple times with XXXX, transunion and XXXX. In XX/XX/XXXX, I disputed this and asked for verification my late payment did not met the CARES Act FCRA amendments
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

We sold our home a couple years ago and there is a XXXX balance. However XXXX credit beureus are still reporting it even though we have a payoff letter from the mortgage company showing the XXXX balance
Consumer complaint received 2024-04-17
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. (GA)

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 2023-12-31
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (TX)

In XXXX of 2022, I called and paid off a Victoria Secret 's credit card I had. The agent gave me the confirmation number and confirmed the card was paid in full and closed. About XXXX  months later, I received a bill from them showing I owed almost {$400.00}. I called them, gave the agent the confirmation number, amount I paid in full, the agent 's name I spoke to in XXXX of 2022, and the fact that I had closed the account. The new agent insisted that I still owed the money. Now, I have been receiving statements from XXXX XXXX and it has been being reported to credit bureaus. The company did nothing, even though they were given the confirmation number by me.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (KY)

I'm not certain how much money they stole from me. It was during covid. I called them about it and they told me they was recording our co versatile so I told them I was recording the call on my end as well. The customer service lady told me she wasn't going to talk to me because I was breaking the law which I wasn't. So later that afternoon I called my local branch and they hung up on me. So I got no where but a bunch of money stolen from me and could do nothing about it.