davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I NEVER GAVE ANY CONSUMR REPORTING AGENCY OR ANYONE WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT OR USE MY CREDIT INFORMATION WHICH VIOLATES MY RIGHTS AS FEDERAL PROTECED CONSUMER. NO CONSENT IS IDENTITY THEFT UNDER, 15 U.S CODE 1681B. 

XXXX TRANSUNION XXXX
Consumer complaint received 2024-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Nissan has reported me 30 days late to the credit bureaus when I in fact did not pay 30 days late. My most recent statement said my bill was due on XX/XX/XXXX and I paid on XX/XX/XXXX. 

My XXXX payment was partially paid due to a lump sum payment earlier. When I logged in to pay the balance in XXXX I was unable to get access to the website and the company was closed. I then went to pay again on XX/XX/XXXX realizing I had missed the XXXX payment but the website said it was due XX/XX/XXXX and I made the payment right away on XX/XX/XXXX. It did not debit my until XX/XX/XXXX and on the same day I received a notification from the credit bureau that there was a late reporting. I have had this account for over 8 years and have never once paid late. I asked the company why they did not call and they claim that they did but their number shows up as spam. If they know that the number shows up as spam they should leave a message so the borrow knows who is calling. In this day and age we live in it can be very dangerous to answer or callback a spam phone number. Had they left a message, I would have known it was a legitimate call and made the payment earlier. 

This is very unfair that I have paid before my account is over 30 days past due and they are still reporting me as such. Even when trying to pay on the XXXX I had to make multiple attempts to login to the website and eventually change my username and password. There was no communication that an update was being made to the website and I wouldn't be able to seamlessly make my payment.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION (PA)

I opened an account for my XXXX  XXXX  who is now XXXX and the account now has fraud on it with over XXXX. The bank did not stop the fraud check when it was deposited and nothing was said until fraudsters quickly took the money out early hours of the weekend when the institution was closed. Why wasn't I made aware of a fraud check that sat in that account for days before it was taking out. Bank now wants me to pay back funds from scammers. This is unfair and was out of my hands. The bank should be held liable not me.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (MI)

I have a medical debt that is with a collection agency that is reporting the debt for XXXX 's XXXX. And I asked them to remove it from my report and to stop reporting it. Experien said it was a valid debt and will not remove it even though there is a law for not reporting medical.
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I understand that deciphering the intricacies of credit reporting can be as challenging as decoding hieroglyphics. However, I find it perplexing that some fraud accounts have successfully made their grand exit, while others seem to have mastered the art of resurrection. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
LET ME BE CRYSTAL CLEAR : ALL DISPUTED FRAUD ACCOUNTS ON MY CREDIT REPORT ARE THE RESULT OF IDENTITY THEFT, not some avant-garde performance art. I fail to comprehend why some of these impostors have been granted an unceremonious eviction, while their counterparts continue to throw a raucous party on my credit history. 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
I demand a fair and equitable resolution to this enigmatic situation. If certain fraud accounts can be deleted with the swiftness of a XXXX disappearing act, then surely, the rest can follow suit. It's only fair, right? OR IS FAIRNESS JUST ANOTHER ILLUSION IN THE MYSTERIOUS REALM OF CREDIT REPORTING? I implore you to exercise your investigative prowess and uncover the secrets behind this confounding conundrum. WHY DO SOME FRAUD ACCOUNTS RECEIVE A VIP PASS TO THE EXIT, WHILE OTHERS CLING TO MY CREDIT REPORT LIKE UNWANTED HOUSEGUESTS?
Consumer complaint received 2023-12-22
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. (NJ)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible.
Consumer complaint received 2023-12-22
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. (GA)

I enrolled in a payment program offered by XXXX XXXX to bring my XXXX  XXXX  current after a period of economic hardship. XXXX XXXX informed me that they would be scheduling a total of three payments to be deducted from my bank account over three months to bring the account up to date. Unbeknownst to me, XXXX XXXX scheduled the first and third payments, but they did not schedule the second payment. 

After accepting the payment plan, I received a confirmation email that stated I wouldn't have to take any further action and that the amounts would be paid automatically. At the end of the second month, I noticed that my account was suddenly charged off. When I contacted customer support, the agent informed me that he was able to see a record that indicated the first and third payments had been scheduled ; however, there was no record of anyone on XXXX XXXX 's end having scheduled the second payment. 

The agent filed a dispute over the phone on my behalf. I never heard back from XXXX XXXX. The charge-off remained on my account. I tried to call XXXX XXXX several times for updates ; however, the agents all gave different excuses for not being able to help me ( i.e. the supervisors are all in a meeting ; the systems are down, and no one will be able to see my account ; everyone had left for the day, etc ). 

I disputed the charge-off through one of the credit bureaus. XXXX XXXX responded by saying they'd resolved the issue and that the charge-off was correct.
Consumer complaint received 2015-06-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My mortgage was sold by XXXX to Nationstar Mortgage. I went in to make my payment online like I do every month only to find that they charge a fee of {$9.00} if the payment is made after the XXXX of the month. I have never been charged a late fee by XXXX if the payment was made before the grace peiod.
Consumer complaint received 2023-12-22
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. (AR)

I am writing to express my deep concern and frustration regarding the persistent inaccuracies on my credit report related to an account. Despite numerous attempts to rectify this matter, I continue to face obstacles in achieving a resolution. I first became aware of the issue when reviewing my credit report. The account in question, which is inaccurately reported as being opened late, has caused substantial damage to my credit score and has negatively impacted my financial standing. Since the initial discovery, I have made several attempts to correct this error through the established dispute resolution process. Despite my best efforts, the corrections have not been reflected accurately on my credit report. The persistence of this error is not only affecting my creditworthiness but is also causing undue stress and inconvenience. I believe it is essential to rectify this matter promptly to prevent any further harm to my financial standing. I kindly request the following actions be taken : A thorough investigation into the inaccuracies related to the late open account on my credit report. Prompt correction of the erroneous information on my credit report. Confirmation of the resolution and an updated credit report reflecting the accurate information. I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to an accurate and fair credit report. Failure to address and rectify this matter in a timely fashion may compel me to take legal action to protect my rights. Enclosed with this letter, please find copies of supporting documents. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXXXXXX Balance Owed : {$13000.00}.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-12-21
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. (CA)

I am writing to file a formal complaint against TransUnion concerning their handling of my identity theft dispute. Despite documented proof and investigation results from XXXX and XXXX confirming my victimization of identity theft, TransUnion has failed to appropriately address the issue. 
On XX/XX/XXXX. I filed an FTC Identity Theft Report and promptly notified all credit reporting agencies. XXXX and XXXX diligently investigated and subsequently acknowledged my status as an identity theft victim. Both agencies removed the fraudulent account from my credit report and file. 
In contrast, TransUnion unreasonably concluded that the reported account was accurate, disregarding the findings of XXXX and XXXX. Despite my multiple attempts to seek transparency and validation of their verification methods, TransUnion failed to comply with my rights as outlined in 15 USC 1681g, neglecting to provide the sources of information contained in my credit report and failing to furnish proof of the original contract associated with the disputed account.

Additionally, under 15 USC 1681i ( 7 ), I am entitled to know the steps taken by TransUnion to verify the accuracy of the reported item. Regrettably, they have repeatedly disregarded my requests for information, violating my rights under the law.

Moreover, it's important to note that I did not provide written permission under 15 USC 1681b for TransUnion to furnish this information, further compromising my rights.

TransUnion 's actions are also in violation of the Privacy Act of 1974 ( 5 USC 552a ( b ) ) and 12 CFR 1016.7 ( a ) ( 1 ) of Regulation P. Despite my explicit request to opt out of the sharing of my information pursuant to 12 CFR 1016.7 ( g ) and ( h ), TransUnion has failed to adhere to these directives.

Their disregard for my rights and mishandling of this situation have caused severe personal harm and discrimination, affecting my reputation and financial well-being.

I respectfully request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that TransUnion rectifies this situation promptly and in accordance with the law. I also request an investigation into their practices to prevent similar injustices against other consumers.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

They still current show a charged off balance from a lowes purchase and I have since paid it off. Since the are violating the FCRA I will be suing them in small claims court for discrimination against an XXXX as they wont give me a another loan as it shows I have a Available limit up to {$300.00} to use and it wont allow me to use it.
Consumer complaint received 2023-12-21
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. (TN)

XXXX XXXX  TransUnion Consumer Solutions c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , Illinois XXXX Dear XXXX XXXX, I am writing to request the immediate removal of my bankruptcy from my consumer report. After a thorough review of my report, I have noticed that my bankruptcy, which was discharged on XX/XX/, is still being reported.

Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information regarding a consumer 's credit history. In accordance with 15 USC 1681e, the information on my report must be fair, accurate, and current. As my bankruptcy was discharged onXXXX, it is no longer current and therefore must be removed. 

I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law.

I demand that this error be rectied immediately, and that my bankruptcy be removed from my consumer report. Please provide me with written conrmation of this removal, along with an updated copy of my consumer report. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated.

I do not expect to receive a verication of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. I trust that you will take this matter seriously and resolve it immediately.
Consumer complaint received 2023-12-21
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 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 2023-08-30
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. (SC)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have no knowledge of any such hard inquiry or attempt for credit with the companies listed below. I have no supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt or inquiry, in fact therefore exists. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (FL)

At PAYPAL they put me in disclosures I surely did not agree about that is because it is due fraud and error for there conception I own Corporate when I have not had an account to run a business through them. My Identity was stolen back when I was a child. They are in the mode of accessing my personal account to transact in my name to commit fraud against me. I had closed this account on XX/XX/2023 and they accessed my email on the XXXX. I am sick to my stomach for abusive act and I am alleging they are transacting in my name for something I learned about after reading those disclosures I did not agree to because have no affiliation with running any business I am XXXX with multitudes of Identity theft.