davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
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 account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported in XX/XX/year> to be removed. 

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

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


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

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Re : Missing On-Time Payments for XXXX  Account Number : XXXX Dear TransUnion Consumer Solutions, I am writing to formally dispute the incomplete payment history reported for my XXXX account ( Account Number : XXXX ) on my credit report. Specifically, the payment history for the months of XX/XX/year> through XX/XX/year> is missing the " pays as agreed '' status, which inaccurately reflects my timely payments for those months. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and complete information in consumers ' credit reports. Section 611 ( 15 U.S.C. 1681i ) mandates that upon notification of a dispute, you must investigate and correct any inaccuracies or incomplete information.

I have enclosed copies of my payment records for the months in question, which clearly show that the payments were made on time. These records substantiate my request for updating the missing payment histories to reflect " pays as agreed. '' I respectfully request that TransUnion update my credit report to accurately include the on-time payments for XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> for my XXXX  account. Ensuring the completeness and accuracy of my credit report is essential for maintaining my creditworthiness. 

Enclosed you will find : XXXX. Copies of my payment records for XX/XX/year> to XX/XX/year>. 
XXXX. A copy of my current credit report highlighting the missing on-time payments. 

Please conduct a thorough investigation and update my credit report accordingly. I expect a resolution within the 30-day period stipulated by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these corrections have been made.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was trying to get a pre-approval letter for a car from XXXX XXXX. I confirmed with them twice if this will be a hard pull. They said no, we will do a soft pull and will only send it to the bank for a hard pull if they agree to issue the loan. 
I got hard inquiries checked by like 4 different banks - I was not made aware of this. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Hard Inquiry XXXXXXXX XXXX XXXX - XXXX XXXXXXXX - Hard Inquiry XXXXXXXX XXXX XXXX  - XXXX XXXX, XXXX - Hard Inquiry XX/XX/2023 - XXXXXXXX XXXX - Hard Inquiry XX/XX/2023 - XXXX - Hard Inquiry XX/XX/202XXXX XXXX XXXX XXXX XXXX - Hard Inquiry XX/XX/2023 - XXXX XXXX XXXX - Hard Inquiry XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (PA)

Fruadlent Accounts on Credit Report 1. XXXX XXXX XXXX {$110.00} XXXX. XXXX XXXX XXXX {$650.00}
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I XXXX XXXX. Do not owe Erc any money. I understand they are debt collection buyers. But I dont have a signed contract with this company. I also request company to ceast and desist and all communication should be done by postal mail. Any phone call to my work or cell or home. And I can sue per call XXXX per call. I already have a fcra attorney ready to sue if this company does not remove this account off my credit report. Per ceast and desist request this company not even suppose to have my personal information. Delete delete.
Consumer complaint received 2024-05-22
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Dear sir, Subject : XXXX XXXX XXXX second review Claim. 
Previous number XXXX There was an unusual transaction on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. I contacted my bank ( Navy Federal credit union ) concerning the above subject. They refunded some of the money and they left some XXXX tourched and a few days ago, they sent a messaged to me that I have no claimed. I re-filed the claim again. Up till now I did not receive any feedback from the Navy Federal credit union. 
The transaction details are XX/XX/year>, : XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XX/XX/year> XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX XXXX XXXX XXXX ) XXXX = XXXX XXXX oil XXXX X XXXX = XXXX dollars, this amount was refunded back to the account only XX/XX/year> XXXX XXXX & XXXXXXXX XXXX XXXX XXXXXXXX dolllars XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX dollars XXXX XXXX dollaes. 

I received the message below from XXXX XXXX credit unions and I was told to provide the following answer as below : 1 ) I believed my claim should be honored because there was unusual activities on my account, they used my debit card to ordered items XXXX times on XX/XX/year> which is not normal ( bank can look into my account statement ). 
XXXX ) My card was on my possession when the fraud occurred. 
XXXX ) i dont know how my card information was obtained because my debit card was on my possession. 
XXXX ) My debit card is not lost or stolen. I XXXX '' t know any person that did the fraud. 
XXXX ) I had never allow any one to use my debit card. 
XXXX ) I never received any merchandize from the marchant. 
XXXX ) I did not authorize anyone in the charge. 
thank you, XXXX XXXX XXXX Federal Response XX/XX/year> : Thank you for contacting XXXX XXXX regarding the Debit card fraud claim submitted on XXXX on your Debit card ending in XXXX for the amount of {$400.00}. Based on a thorough investigation of your account activity, we have determined that no error has occurred. 

I would be grateful if the investigation can be carried out as quickly as possible. 

with thanks and regards, XXXX XXXX XXXX
Consumer complaint received 2024-05-14
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. (NY)

Subject : Formal Request for Detailed Verification and Immediate Action Experian, I have repeatedly requested detailed information on the method you use to verify information on my credit report. Despite several attempts, you have consistently failed to address this issue. Additionally, you did not respond within the legally mandated 30-day period, which requires you to remove the following information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I dispute these claims and am requesting validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( 8 ). Specifically, I request the following : A breakdown of fees, including how you calculated the amount you claim I owe.

A copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cessation of any credit bureau reporting until the debt has been validated by me, as required under the Fair Credit Reporting Act ( FCRA ).

Proof that you are licensed to collect debt in my state.

Please send this information to my address listed below. This letter serves as my formal debt validation request under the FDCPA.
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I XXXX XXXX. Do not owe Midland funding any money. I understand they are debt collection buyers. But I dont have a signed contract with this company. I also request company to ceast and desist and all communication should be done by postal mail. Any phone call to my work or cell or home. And I can sue per call XXXX per call. I already have a fcra attorney ready to sue if this company does not remove this account off my credit report. Per ceast and desist request this company not even suppose to have my personal information. Delete delete.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2024-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (TX)

I updated my Insurance coverages XX/XX/XXXX, there was an increase of premiums that were billed to the mortgage company as I have taxes and insurance in escrow. The Mortgage company was sent a bill to pay for {$770.00}, the mortgage company did not pay that bill. I then received in XX/XX/XXXX the Intent to cancel from the insurance company due to the balance owed. I paid the {$770.00} to the insurance company and the Insurance company informed the mortgage company. XX/XX/XXXX the Mortgage company sent me paperwork that stated they will buy insurance coverage for my house because they say I don't have coverage. 
I called the mortgage company ( Chase Bank ) they said they have received another intent to cancel and I do not have insurance. I asked for the documentation that stated I do not have insurance and they said they can not share that information with me, I would have to get it from my Insurance provider. I asked the insurance provider what they sent and they have no record of sending anything further to the mortgage company since I paid the balance due of {$770.00}. 
Chase bank is acting deceptive. There was no document sent to Chase bank by the insurance company. They were attempting to charge me for Insurance coverage that I didn't need. Again I had to prove to them that I have sufficient coverage. They should be required to share any documentation regarding my mortgage with me the customer. If I had not been paying attention to the documents that I received in the mail this would have cost me a lot of money.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and I found several accounts that are not mine, I have limited time to check my credit report because I'm living most of the time in XXXX. Here I will include the accounts that are fraudulent and also an FTC report. 

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 2024-07-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (GA)

Your full name : XXXX XXXX XXXX : XXXX XXXX Dear Collector : This letter is regarding an offer regarding the account listed below : ACCOUNT NAME & ACCOUNT NUMBER : XXXX You have breached your agreement with me by failing to delete the paid account above from all XXXX credit bureaus. I know that it takes the credit bureaus XXXX to XXXX  days to update their files after I paid the account. As of today, its been more than XXXX days since I paid this account, and its still listed on my credit reports. In our agreement signed by you and me, you agreed to do the following if I paid the debt in full : ( XXXX ). Remove the debt above from all XXXX credit bureaus within XXXX days of payment. 
( XXXX ). Send me a letter stating that the account above will be deleted. 
( XXXX ). Stop all debt collection activity. 

As of today, the debt still has not been deleted from my credit report.Im giving you the opportunity to delete the above account according to our agreement within XXXX days. If its not done I will be contacting my attorney to enforce this contract. Please delete this account ASAP. 

I will check my credit report in XXXX  days.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, 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. (VA)

The credit reporting agencies are still showing accounts that should have been removed because of fraud. Multiple complaints have been filed to no avail, without the negative information, my credit score should be over 700.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date XX/XX/24 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error Inaccurate Addresses : 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 Inaccurate phone numbers : ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-01-14
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. (AL)

XXXX is reporting a account on my credit files this account is fraudulent never opened with this company someone obtained my complete identity stole mail out of my old mailing address mailbox changed questions on my credit file and more
Consumer complaint received 2024-04-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Debt Mediation, Inc. (NC)

Delete this non XXXX  to compliant account because of FCRA regulations violations pursuant to 15U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation
Consumer complaint received 2024-05-25
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: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX items returned to amazon purchase order XXXX XXXX XXXX XXXX Amazon and Synchrony Back refused to credit my account over XXXX XXXX dollars returned to amazon and I am being charged for returns
Consumer complaint received 2024-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (PA)

My credit report is showing multiple collections, one from Caine Weiner XXXX, and one from XXXX XXXX XXXX XXXX. I did not receive written notification about this debt so I never had a chance to dispute on my behalf. I am requesting debt validation according to 15 USC 1692g I am requesting the original contract I signed guaranteeing that I pay this debt, a detailed list of the history of payments made on this debt, has there been an insurance claim made on this debt, proof that you have chain of title to collect on this debt. Without providing any of this information I am requesting this debt be removed immediately.
Consumer complaint received 2023-11-26
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. (AL)

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 adverse item of information, other than records of convictions 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.

I will attach a copy of my credit report showing inconsistent / inaccurate information throughout my credit report. 

Account Name ( 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Because of the inconsistent and inaccurate information reported on my credit report I can not purchase a house for me and my family, I can not buy a new car to help me travel to and from work or appointments, and/or I can not apply for credit cards. The inconsistency of items throughout my credit report have to be accurate, timely, and consistent. I have filed reports with Identity Theft.gov, XXXX, and numerous other agencies regarding Experian, XXXX, and XXXX. I have asked for investigators names and have not received the information from either credit bureau regarding the items on my credit report. 

Delete all items above from my credit report.
Consumer complaint received 2023-11-26
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. (MD)

Subject : Formal Complaint and Request for Expedited Resolution under Fair Credit Reporting Act Dear CFPB, I hope this message finds you well. I am writing to inform you that I am currently in the process of removing/blocking fraudulent and inaccurate information on my credit report from all three credit bureaus. To formalize this complaint and expedite the resolution process, I am filing an FTC report with you the Consumer Financial Protection Bureau ( CFPB ). 

In accordance with Section 605B of the Fair Credit Reporting Act, I am requesting the prompt removal of the identified fraudulent and inaccurate information within four days. I believe this expedited resolution is warranted to rectify the inaccuracies and uphold the integrity of my credit report. 

Enclosed with this communication, you will find the necessary documentation, including my FTC Identity Theft Report and proof of identity. I kindly request your immediate attention to this matter and appreciate your prompt response. 

Should you require any additional information or documentation, please do not hesitate to contact me. I trust that we can resolve this matter efficiently and ensure the accuracy of my credit report. 

Thank you for your cooperation.