davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-17
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. (VI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Inaccuracies on my consumer report include unauthorized access, improper purpose, inaccurate information, and a request for removal of an incorrect account, violating both 15 USC 6801 and 15 USC 1681 section 604 ( a ) ( 2 ). These violations require immediate investigation and correction to ensure compliance with federal regulations.
Consumer complaint received 2023-12-26
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. (MI)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX
Consumer complaint received 2024-04-27
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. (TN)

Consistency in paying on time is my motto. I'm firm about it. Yet, I'm bewildered by the occasional tardiness in the company 's reporting, which shouldn't be the case. USC 1666b mandates that any billing errors must be rectified promptly and reflected correctly in the payment records.
Consumer complaint received 2024-04-27
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 am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I was transported to the hospital via ambulance by XXXX XXXX XXXX XXXX, XXXX ( original creditor ). At that time, my medical insurance provider was XXXX. The amount initially billed by XXXX XXXX XXXX, XXXX was {$4800.00}, but XXXX negotiated a discount of {$2200.00} leaving a balance of {$2500.00}. XXXX then paid {$2000.00} of this amount leaving a balance due of {$510.00}. At some point thereafter, this debt to XXXX XXXX XXXX XXXX, XXXX was evidently purchased by XXXX XXXX XXXX XXXX XXXX located in XXXX, California ( current creditor ). On XX/XX/XXXX, I received an email alert from XXXX that my previously exceptional FICO score had fallen by XXXX points. I immediately logged into my XXXX account and discovered that the culprit was XXXX XXXX XXXX XXXX XXXX located in XXXX, New York ( collection agency ) falsely reporting on behalf of their client XXXX XXXX XXXX, XXXX  that the balance due is {$2700.00}. On XX/XX/XXXX, I disputed the validity of the alleged balance due with XXXX XXXX XXXX XXXX XXXX along with XXXX, XXXX, and Equifax and provided proof in the form of my explanation of benefits from XXXX that the balance due is only {$510.00} NOT {$2700.00}. As of this writing, both XXXX and XXXX have removed the XXXX XXXX XXXX XXXX XXXX collections account from their respective credit reports on me entirely. Equifax, however, has refused to do so or to even correct the balance due from {$2700.00} to {$510.00} because the creditor has verified to our company that the balance is being reported correctly.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

Compliance with FCRA 605B entails removing any inaccurate accounts from my credit report. Could you please verify the documents? There are inaccuracies in the reporting of several listed accounts. Compensation of {$1000.00} is required for each erroneous entry on my credit file.
Consumer complaint received 2023-08-25
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-25
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-27
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. (AL)

I consistently ensure timely payments. What perplexes me is the company 's occasional late reporting, a discrepancy under USC 1666b, which mandates rectification of billing errors to reflect agreed-upon payments promptly.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Consistency in paying on time is my motto. I'm firm about it. Yet, I'm bewildered by the occasional tardiness in the company 's reporting, which shouldn't be the case. USC 1666b mandates that any billing errors must be rectified promptly and reflected correctly in the payment records.
Consumer complaint received 2024-04-27
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)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-27
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I refinanced my home XX/XX/XXXX and was told by my mortgage company, Nationstar mortgage who has since changed names to Mr. Cooper, that the mortgage insurance, which was XXXX / month, would be removed since criteria had been met. Fast forward to XX/XX/XXXX and realized I have been paying mortgage insurance all along. I contacted Nationstar on XX/XX/XXXX and XX/XX/XXXX, specifically the PMI (private mortgage insurance) department, and spoke with XXXX and he stated he was going to send everything to the AVP (not sure what this department is) team to look over this issue and then he would call me back by XX/XX/XXXX. I never received a call back. On XX/XX/XXXX, I contacted the PMI department again, but this time spoke with XXXX and she said she would have her manager contact me by the end of the day to discuss my issue. I never received a call back. On XX/XX/XXXX, I mailed a letter and copies of all of my refinancing papers that clearly show that the mortgage insurance was not included and sent this by certified mail. Early XX/XX/XXXX, I received a letter from Nationstar, dated XX/XX/XXXX, stating that they are aware of the problem and acknowledged that the mortgage insurance was not a requirement and should have been removed. The mortgage insurance was finally removed by XX/XX/XXXX. Nationstar stated in the letter that they are working with the "prior lender" to collect the refunds to send to me. This was the last correspondence on their part. Nationstar was my mortgage company when I refinanced in XX/XX/XXXX so I'm a little confused by who they are meaning by "prior lender". The letter is signed by XXXX XXXX, Customer Relations Specialist, with a phone number of XXXX and email XXXX. I have called and left voicemails to her phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I emailed her on XX/XX/XXXX. I have never received a call or email back. I called on XX/XX/XXXX and spoke with XXXX in the PMI department and he stated he would send an email to the other side of the PMI department for review and he told me it would take up to 24-48 hours. I still have not received any correspondence from this company. I am due, to my calculations and not including interest, XXXXXXXX. I would like this resolved sooner than later and I appreciate any help you can offer.
Consumer complaint received 2024-04-27
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. (MO)

Consistently, I meet my payment deadlines without fail. What puzzles me is why this particular company occasionally marks me as late, a situation that should not arise. As per USC 1666b, any billing discrepancy ought to be rectified, failing which they will owe me {$1000.00} for each account with erroneous reporting.
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Complaint against TransUnion for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ). 
I had previously contacted TransUnion on XXXX regarding a bankruptcy that is showing only on my TransUnion report. As per the FCRA, I requested a method of verification for their investigation of this matter. However, despite my repeated requests, TransUnion has failed to provide the method of verification. 
Furthermore, TransUnion stated that they contacted the creditor, who is reporting on my credit report. However, I received a letter from the creditor stating that they do not verify credit reporting information. This discrepancy is concerning and suggests a lack of due diligence on the part of TransUnion. 
This lack of transparency and failure to provide the requested information is, to my understanding, a violation of the FCRA. The FCRA clearly states that consumers have the right to know the information in their file and the right to dispute incomplete or inaccurate information. 
I kindly request the Consumer Financial Protection Bureau to look into this matter and take appropriate action. I am hopeful that your intervention will ensure that TransUnion complies with the FCRA and corrects their reporting practices. I am requesting this incorrect reporting be deleted from my TransUnion credit report. 
Please find attached copies of my correspondence with TransUnion and the creditor for your reference. 
Thank you for your attention to this matter.
Consumer complaint received 2024-04-27
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX 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 2024-04-27
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. (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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX XXXX 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 2024-04-27
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. (OH)

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH XXXX AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2024-04-27
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)

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 : Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2017-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MI)

On XX/XX/XXXX I was notified by Nationstar Mortgage via first class mail my XX/XX/XXXX payment was past due and they were requesting payment. My monthly payment is auto debited and was reflected as paid on XX/XX/XXXX on my XX/XX/XXXXmortgage statement. This is the second time I 've been notified my mortgage payment is past due in the last 4 months, the first past due notification came from XXXX the previous lienholder. XXXX notified me in mid-XX/XX/XXXX their monthly Mortgage Account Statement reflected an incorrect total amount due and assured me via that letter no missed payment history or negative credit reporting was done. I 'm concerned as Nationstar has reflected non-payment, indicated there may be late fees assessed and possibly reported this loan as past due to credit agencies. To date I 've not received any communication from Nationstar regarding this obvious error and what steps are being taken to ensure customers are not negatively impacted. Thank you.