davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (MI)

Credit report shows a real estate account as open that is closed. 
Loan was refinanced in XX/XX/XXXX with same company and as part of this original loan was paid in full but account still shows as open with a balance and monthly payment amount. Essentially account shows double mortgage balance and double payment as current when one replaced the other. 
I called the company in XX/XX/XXXX to resolve this but credit report still shows account as open.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-11-16
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
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. (PA)

Delete these inquiries. 

XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> 2024
Consumer complaint received 2023-11-16
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. (NY)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to request the removal of late payment entries associated with my account. I understand the impact of accurate credit reporting on my financial standing and am seeking your assistance in rectifying the information on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service representative. I recognize and take responsibility for the late payments. While I understand the importance of adhering to payment schedules, I believe that the removal of these late payments would better reflect my overall creditworthiness. I am aware that your company follows certain policies and procedures, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required.
Consumer complaint received 2023-11-16
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. (NC)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 2024-04-16
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. (GA)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-11-16
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)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently maintained timely payments on this account, ensuring they're never overdue. I'm uncertain why there are late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-11-10
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

XXXX with XXXX XXXX Capital One credit card ( ending XXXX ) XX/XX/XXXX around XXXX XXXX  Why do I have a balance of {$80.00}? I was told it was for charged for remaining interest in cycle. She said cycle was XX/XX/XXXX to XX/XX/XXXX. Asked why? My last payment I was given a total balance due of {$6600.00} and I paid it XX/XX/XXXX. 

XXXX offered me a credit of {$50.00}. I said why? Did accepting this credit make them not liable for what I believe is a fee they made up? I decided to take the {$50.00} credit because XXXX. I do not owe any XXXX  but had no options without owing more everyday. So I paid {$30.00} today and XXXX told me that my balance would be XXXX. 

XXXX told me I had no other options dispute this charge. XXXX was also not allowed to send me in writing her explanation of this interest charge. Essentially it is a dictatorship by the credit card company. 

Capital One would not make a policy of not sending a customer in writing the math, their cycle etc. unless they had something to hide. 

XXXX told me with the credit of {$50.00} and my payment of XXXX will make my balance really XXXX. 


The app did not say when it said do you want to pay total balance? And by the way you will still owe us an interest payment next month. What?
Consumer complaint received 2023-11-16
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Subject Concern Regarding Reporting of Charge Offs as Income by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding the reporting practices of XXXX XXXX XXXX XXXX, doing business as XXXX XXXX XXXX. Specifically, I am concerned about their treatment of charge offs as income in consumer credit reports. 

As per my understanding of the law, specifically 15 USC 1681 ( 2 ) ( a ), it is stated that no transactions or experiences can be reported as income on consumer credit reports. Charge offs, which are essentially write-offs of debt, are being reported as income by XXXX XXXX XXXX XXXX XXXX This is in direct contradiction to the regulations outlined in the aforementioned statute.i also have a 1099 C issued out from the CFO XXXX XXXX also is the screen shot of it with their email being XXXX that I sent the income to Furthermore, it is worth noting that the Internal Revenue Service ( IRS ) requires individuals to report such income on their tax returns, typically in the form of a 1099C or 1099A. However, the inclusion of charge offs as income on consumer credit reports seems to go against both the spirit and letter of the law. 

I believe that this practice by XXXX XXXX XXXX XXXX could potentially mislead consumers and impact their creditworthiness unfairly. It may also create confusion regarding their actual financial standing, as charge offs are not income in the traditional sense. Also XXXX statue of limitation code is XXXX and limitation is only 4 years for auto loan debt for a debt collectors to collect in the state of indiana they have been reporting for 4 years 7 months with an account thats considered a charge off within the last 2 years..I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure compliance with the law. Consumers deserve accurate and transparent reporting of their financial information, and any deviations from regulatory standards should be addressed promptly.

Thank you for your attention to this matter. I look forward to your response and any actions taken in this regard.
Consumer complaint received 2024-04-16
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)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-11-16
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

XXXX XXXX XXXX Opened XXXX {$140.00}, SEQUIUM ASSET SOLUTIONS, Opened XXXX {$220.00} Reported to XXXX and XXXX these debts continue to be bought and then added back on my the credit. The bureaus remove them then they come back under different names same debt.
Consumer complaint received 2023-09-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (IL)

someone used my personal information to rent a apartment unit I was not aware of this company allowed this happen without any verify methods informed. I was not aware of this property until it showed up on my credit report I have never signed an agreement with this company and I have no knowledge of this account. I have reached out directly on numerous of occasions and didn't hear back from them
Consumer complaint received 2023-10-27
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (MI)

The following accounts XXXX XXXX ACCT * XXXX : XXXX XXXX ACCT * XXXX Need to be deleted from my credit report. 
Are fraud and should not be showing on my credit report I was XXXX in XXXX XXXX during these accounts. The CRA EQUIFAX, XXXX, XXXX has continued to violate the following FCRA laws that state the following 15 USC 1681 9D ) ( 2 ) ( A ) ( I ) States that a transaction between the consumer and the person making the report should be excluded from your credit report 15 USC 1681 2 ( 7 ) ( E ) states that nothing under the FCRA requires a financial institution to furnish negative information to a consumer reporting agency. and is required to furnish accurate information. 
The following XXXX XXXX accounts shows dates XX/XX/XXXX on XXXX and on XXXX and Equifax showing XX/XX/XXXX as dates opened inaccurate information. Date last reported XX/XX/XXXX XXXX, XXXX and on Equifax showing XX/XX/XXXX. 
These accounts are FRUAD and need to be removed immediately
Consumer complaint received 2023-11-16
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: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Consumer complaint received 2023-11-16
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-14
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ROC Asset Solutions, LLC (SC)

Received phone message at work from XXXX at API XXXX that I was being sued for a debt and they were sending paperwork to my employer and the XXXX XXXX. Did not identify original debt or amount or send me anything in the mail about this.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2023-11-16
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

I reached out to Ditech Financials on my sister 's behalf in the latter part of XXXX to see about applying for the HARP program, I was misinformed my a representative that the Government had discontinued the HARPS program. Upon learning that the information given to me was false, I contacted Ditech once more whom then informed me they would not be able to offer the HARP program to my sister who resides in NY due to the fact that they do not have a license to fully service her loan, being they are in AZ. We then attempted to apply for a home modification. Within days of receiving the application, two representative of Ditech informed me that they had made internal changes to their policy to not consider applicants whom had filed for bankruptcy. My sister had indicated on her application she filed for bankruptcy in XXXX of this year. She is a single working mother who is not behind on her payments but is struggling somewhat due to recent internal changes with her employer of 22yrs. She has ties to the community with family, friends, church and such and is fully committed to retaining her home. All she is in need of is some assistance in stabilizing herself and family as she goes through this financial hardship. What she is getting from Ditech is a bias resistance to assist her accomplish this. To add to that, the denial notice she received this week from Ditech says she can take her concerns up with the New York Dept of Financial Services ; however, the number provided in that notice from Ditech is for an XXXX XXXXXXXX XXXX. I find the handling of my sister 's case to be disturbingly inappropriate. She was not the one to select Ditech. Her account was transferred to them from her prior mortgage lender. That practice alone is unfair as they were not equipped to fully service her account. To add to it the misleading information on the HARP program and the policy changes made after receiving her application is unfair business practices. the XXXX XXXX only adds insult.