davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Reinserted Credit Information - Account NoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. The referenced account with  XXXX XXXX XXXX XXXX and account numbers xxxXXX XXXX & XXXX has become the subject of a dispute. 
On XX/XX/XXXX, I initiated a dispute regarding the aforementioned account. Subsequently, my credit report, dated XX/XX/XXXX, confirmed the successful removal of this item from my credit file, report number XXXX. To my dismay, I have recently discovered that this same item has been reinserted onto my credit report. I never received a physical copy of the details of the investigation or details of why it was reinserted. 
I wish to draw your attention to the requirements outlined in the Fair Credit Reporting Act ( FCRA ), specifically under FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], which governs the reinsertion of previously deleted material. It stipulates the following : * Certification of accuracy : Information can not be reinserted unless the furnisher certifies its completeness and accuracy. 
* Notification to the consumer : In the event of reinsertion, the consumer reporting agency must inform the consumer in writing within 5 business days and provide additional details, including : * A statement confirming the disputed information 's reinsertion. 
* The business name, address, and telephone number of any furnisher of information involved. 
* Notice of the consumer 's right to add a statement to the consumer 's file to dispute accuracy or completeness. 
Regrettably, I have not received any such notification as required by the FCRA. This constitutes a serious violation of the act, and I must insist on my rights to pursue further action. To resolve this matter amicably, I kindly request that your company promptly removes this listing from my credit report. 
I trust that you will handle this matter with the utmost urgency and compliance with the FCRA. Failure to do so may necessitate further legal action. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I recently checked my credit report and these address on there are not mine i need them removed asap. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 

Please remove the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/year> The credit bureaus stated XXXX XXXX XXXX was properly investigated, but how is that possible when this accounts dates are inaccurate, the date last active is inaccurate and the date last reported is not accurate .This is ground for removal. They also violated my rights under 15 U.S.C. 1681 SECTION 604 A SECTION 2 The law clearly states a consumer reporting Agency can not furnish a account without my written instructions. I have not given this account written permission to furnish this account on my credit report. 
This account is currently closed and under investigation from XXXX XXXX XXXX and correcting all fraudulent charges.
Consumer complaint received 2023-09-11
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. (IL)

I'm grateful for the steps taken by the credit bureaus in clearing out all the past unauthorized inquiries from my credit history. Nevertheless, there's still XXXX issue lingering on my Experian Credit Report. I've come across this troublesome inquiry that appeared in my aforementioned credit report. Once again, I'm requesting Experian to remove this particular inquiry : EXPERIAN : XXXX XX/XX/2023
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines CAPITAL ONE ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2024-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (FL)

XXXX claims that I owe money on XXXX loans but is not able to provide me with information as to where they sent this money to, ie account number, financial institution, etc. I am working with my bank to pull statements and EdFinancial can not tell me where or how they disbursed these funds in question
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I'm reaching out because XXXX XXXX has reported m as being 30, 60, 90 days late on Equifax, XXXX, and XXXX  for a payment that never showed in the phone app as being late.. If I was late on a payment or payment didn't go through ; that's the first thing that should show up when I open the app and not only was I not notified but It didn't even show me being late in the app. I spoke with a customer service agent earlier and explained that even if the payment was missed : which it wasn't The next payment was due two weeks after and the payments all come out automatically. Please explain why I would miss a {$20.00} payment that's auto debited on the day I get paid?? Other people have had issues with bugs on the app and I've had issues in the past. My payments should be updated to all of my payments being paid on time because this as a error on the end of XXXX. It's literally $ XXXX {$20.00} - I wouldn't go 90 days and not pay that small payment ; while making payments. I will attach a screenshot that shows all payments being mad eon time within the XXXX   app
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY (NC)

I received several calls over the course of 3 days from the same phone #. The caller never left a message and called excessively each day until I finally answered on the third day. He said he was calling from Wells Fargo about my unpaid balance of {$30.00}. I asked him why I never received a statement he said he could not control the Post Office. So when I saw he was being sarcastic I told him I would check my account online and ended the call. My problem is this is the first time I remember getting a call from Wells Fargo about my payment being past due. I have had this account for more than 3years and have kept up with the payments. I do n't understand the need for calling me at least three times daily about a balance of {$30.00}. I do know a thing or two about collections. He should have left a message the first or second time so I would know what the call was about. Then he would not have had to call me a third time. I would have just answered. But still calling a customer three or more times in a day is harassment.
Consumer complaint received 2024-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

My mortgage payment is {$1500.00}, which {$510.00} is for the principal account, for the {$830.00} interest, and {$210.00} escrow ( taxes and insurance ) on my XXXX payment I noticed that my new payment was {$2000.00} I called my mortgage company to get an explanation of charge which they told my that I had a deficit in my escrow balance - {$3700.00} and my new payment divided as follow {$510.00} for principal, {$830.00} for interest, and {$700.00} for escrow. Fifth third one told me I can change insurance company until I pay the deficit in the account. 

I purchased my home with a FHA in XXXX payments were around {$1700.00} until I refinanced in XXXX and due to home equity my home loan became a conventional loan and my payments were {$1500.00}, which {$150.00} were for the escrow ( taxes and insurance ) XXXX XXXX is the insurance company used by fifth third for my escrow home owners insurance. The XXXX document says my policy premiums were {$2200.00}. For XXXX my policy premiums is {$3500.00}. My XXXX policy payments were around {$1400.00}. When looking and those number the escrow account increased due to the insurance since XXXX until XXXX a future prediction for XXXX a total of {$6500.00}. 

After XXXX Even though the housing market is protected to avoid similar issues in the economy this simple prediction I just shared about the increase in my mortgage payment is telling us where most home owners will be affected in this economy. This is not a {$10.00} to {$20.00} increase {$240.00} per year this a {$500.00} per month a {$6000.00} a year increase in unexpected mortgage payments.
Consumer complaint received 2023-09-11
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)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX has been on my report still showing late payments. 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 myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-09-11
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX **** Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-18
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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX -- - Unauthorized Inquiry
Consumer complaint received 2023-09-11
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX **** Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-11
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (VA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-09-11
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2023-09-11
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 report a fraudulent account on my TransUnion credit report and to request an investigation into this matter. I recently reviewed my credit report and discovered an account that I did not open or authorize. This account is a result of identity theft, and I am requesting that it be removed from my credit report as soon as possible. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (GA)

My contract was breached. My lien holder filed bankruptcy an sent debt to a debt collector by the name of west lake portfolio. When I never miss not one payment. They trying to double my payments from 74 month to 151 months. Its not right an its Unexceptable. I never signed a contract with Westlake portfolio. This whole time usauto knew they couldnt sale cars because they license was voided in XXXX. So why was they able to sale me a vehicle in XXXX. They filed bankruptcy because they money that I worked hard for my money an my payments WASNT paying off the loan it was going in there pockets. Everything about this situation is wrong. Please help!
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently checked my credit report and these address on there are not mine i need them removed asap. My address is XXXX XXXX XXXX XXXX Ga XXXX 

Please remove the following addresses 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX 2. XXXX XXXX XXXX XXXX Pa, XXXX 3.XXXX XXXX XXXX XXXX  XXXX XXXX NY , XXXX
Consumer complaint received 2023-06-13
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX and XXXX XXXX XXXX Please update ASAP.
Consumer complaint received 2022-11-24
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. (CA)

i received a copy of my credit report and noticed some hard inquires that i don't recognize. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-27
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: LoanCare, LLC (FL)

I am not liable for the debt with the LOANCARE account.

I do not have a contract with LOANCARE.. 
LOANCARE has been reporting on my credit without my consent.

I did not give them permission to report, nor was I given the option to opt pursuant to 15 U.S. Code 1692g - Validation of debts I demand that it be deleted from my credit and updated.

Debt validation request unrebutted.