davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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)

Again, I found my credit report to contain inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX credit reporting agencies to verify these items ( A ). Disclosure as information without confirmation within the statutory period is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-09
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. (IN)

XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint and Dispute Regarding Late Payments and Unlawful and Unconstitutional Forms of Payment Dear Sir/Madam, I am writing to express my concerns and dispute the late payment reports from Western XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. As per the details provided by these institutions, I have been reported for late payments on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


These late payment reports have negatively affected my credit standing. However, I dispute these charges based on my understanding of the United States Code ( UCC ) 3-501, House Joint Resolution 192 ( HJR-192 ), and the Fair Credit Reporting Act ( 15 USC 1681 ). 

HJR-192 and UCC 3-501 both address the issue of lawful money and the discharge of debt. Under HJR-192, the United States removed the gold standard, which had been the form of money constitutionally recognized. This action seems to have created a system where it's impossible to 'pay ' a debt, but one can only 'discharge ' a debt. I am being asked to pay debts with other debts, which appears to be an unlawful and unconstitutional practice. 

Furthermore, as per 15 USC 1681, I have the right to dispute the information in my credit report that I believe is inaccurate. I am exercising this right to challenge the late payment reports. 

Additionally, it seems that when taking a loan, this transaction is treated as an investment contract. As such, I request the Consumer Financial Protection Bureau ( CFPB ) to provide me with the 1099-OID form for these transactions. If the money I borrowed was created at the time of the loan being granted, then shouldn't I be seen as the issuer of this money? And if that is the case, how can I owe money when I am the issuer of it? 

I am seeking the CFPB 's help in providing clarity on this complex matter. I believe it's essential for all citizens to understand the nature of our monetary and financial system, including the constitutionality and legality of the forms of payment being used. 

I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$1700.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$170.00}, XXXX XXXX XXXX Balance : {$890.00}, XXXX XXXX XXXX Balance : {$9200.00}, XXXX XXXX XXXX : {$960.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$870.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Glasser and Glasser, PLC (VA)

Old debt from 2019, that I acknowledge with XXXX XXXX. Made arrangements to pay collection attorney. After several payments on Glasser and Glasser web portal to pay were made. I started receiving letters that payments were declined. This was impossible since I paid from my personal checking account that had funds to cover bills specifically. Called several times, nothing. Pretty much told it was my fault. I called XXXX XXXX XXXX to confirm that it wasn't a problem on my end. They confirmed their was no history on the dates I made payments on Glasser portal even though I had a receipt. Meanwhile the balance is remaining large. They sent settlement letters with higher amounts. I retained a lawyer in hopes of agreeing to a reasonable amount I can afford and was basically told No. I am able to pay no more than {$600.00}, and consider paid in full. With the expectation of updating to this status with ALL 3 credit bureaus. As well as receive documentation of this arrangement. Paid in full at no more than {$600.00}.
Consumer complaint received 2024-03-12
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. (MO)

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 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Transunion it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXXXXXX XXXX XXXX XXXX XXXX XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/Date of First Delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate XXXX has XX/XX/XXXX, TransUnion has XX/XX/XXXX, XXXX has XX/XX/XXXX. All three can't be accurate or correct. FCRA requires you to fix it or delete it. 

ATTACHMENTS
Consumer complaint received 2023-09-09
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'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2023. I called TransUnion and asked for my file number for a bankruptcy that they are reporting to confirm that when I asked for it in XX/XX/2023 that it was the same file number that was told to me in XX/XX/2023. 

File # XXXX ... ... .. That's what TransUnion told me again today. 

I have my XXXX Consumer Disclosure Report and no bankruptcy exists in the 354 pages that is dated XXXX 


TransUnion is reporting this derogatory mark public records Reference # XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX. 

XX/XX/2023 I called TransUnion to find out why they were reporting a bankruptcy and they said they got the information from a 3rd party agency. I reached out to XXXX through CFPB. XXXX responded that they are not reporting a bankruptcy and to maybe ask XXXX XXXX. XX/XX/2023 I called XXXX XXXX to get help locating a bankruptcy on my consumer file. The representative couldn't locate it and said to ask TransUnion to give the file #. I called TransUnion and they gave me File XXXX XXXXXXXX. I called back XXXX XXXX and spoke to XXXX who told me the file # is non-existing. I then called back TransUnion and they texted with me and said to dispute online and they would remove the details. I have attached the screenshot of the conversation. 


TransUnion has not done anything to remove the details and the account.
Consumer complaint received 2023-09-09
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPT OF EDXXXX XXXX XXXXXXXX XXXX {$0.00} ; DEPT OF EDXXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$12000.00} XXXX
Consumer complaint received 2023-09-09
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPT OF EDXXXX XXXX XXXXXXXX XXXX {$0.00} ; DEPT OF EDXXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$12000.00} XXXX
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The credit card company XXXX XXXX bank reported wrong information to the credit bureau about missies payment Ive sent the credit bureau the documents to support my claim from the company who has agreed to remove their error and the credit bureau still hasnt done so Ive never missed a payment on such account
Consumer complaint received 2023-09-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc (AZ)

I have a deposit thats been made to my Venmo account and Venmo requested information I turned everything in and ow they kept my money and closed my acccoint and refuse to give me my money or return to Ssa
Consumer complaint received 2023-09-09
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-25
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account 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 account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX... Balance : {$2400.00}
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MI)

Applied for loan modification through NationStar mortgage. Application was denied on XX/XX/XXXX, 2017 due to negative disposable income. Appealed decision because my husband was able to find job with sustainable  income. We also got rid of car loan and we have rental income now. NationStar sent a letter of denial. XXXX XXXX ( financial counselor at XXXX XXXX XXXX ) called NationStar and they stated that we already had an application under review which is why they were denying the appeal. They suggested to send a new application even though one was under review. XXXX submitted application on XX/XX/XXXX, 2017. On XX/XX/XXXX, 2017 we called NationStar and was told no documents were being requested and application is under review. On XX/XX/XXXX we received a sheriff sale notice for XX/XX/XXXX, 2017. We called NationStar and was told that no application was received. XXXX called NationStar on XX/XX/XXXX, 2017 and was told application was denied but representative could not give reason for denial. Case was escalated. XXXX called back on XX/XX/XXXX, 2017 and was told no application had been received and that 's why sheriff sale was scheduled. NationStar has received at least 3 applications. XXXX sent in another application on XX/XX/XXXX, 2017 and has not been posted as of XX/XX/XXXX, 2017.
Consumer complaint received 2022-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My mortgage was purchased by Carrington Mortgage Services LLC. I have an impound account that was transferred and collected on a monthly basis. My homeowners insurance expired XX/XX/2022. On XX/XX/XXXX I was contacted by my insurance company to tell me my insurance lapsed and I needed to pay to ensure coverage. I paid the minimum payment due of {$640.00} to retain coverage ( money that was not budgeted for ). The next day, XX/XX/XXXX I called Carrington and asked for payment status. I was told that they made payment in full. Today, XX/XX/XXXX I received a letter saying they had no evidence of my insurance and that they would start charging me!
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (LA)

This negative item is over 5 years old stopping the consumer from having a fair credit report through consumer law. It has now been passed in Congress through Arbitration that all negative items over two years old has to be removed from the xonsumers credit report.
Consumer complaint received 2022-12-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Accounts : XXXX XXXX XXXX Account XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the rights 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 Also the credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking # XXXX # XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2024-03-12
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. (IN)

I am writing to express my extreme dissatisfaction and outrage regarding the discrepancies found in my recent investigation of my credit report. Upon thorough examination, it has come to my attention that your agency has failed to ensure the accuracy of the information reported, leading to XXXX distress and XXXX on my part. 

Under the Fair Credit Reporting Act, it is imperative that all information provided in credit reports be 100 % accurate. However, it is evident that several items on my report are unverifiable, invalidated, inaccurate, and questionable. This blatant negligence on your part is unacceptable and has undoubtedly caused significant harm to my financial well-being and mental health. 

I demand immediate action to rectify these egregious errors in accordance with the provisions outlined in the Fair Credit Reporting Act. Specifically, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in clear violation of failing to report accurate information. 

Attached to this correspondence, you will find copies of all letters previously sent regarding this matter. I expect prompt acknowledgment of receipt and swift resolution of these issues. Failure to comply will result in further legal action being pursued to ensure my rights are upheld and justice is served. 

I urge you to prioritize this matter with the utmost urgency and professionalism. My financial integrity and mental well-being are at stake, and I will not tolerate any further delays or excuses.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX