davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently moved from XXXX XXXX to XXXX  this year and when going for an apartment I was told I had a Bankrupotcy on my file which as you can imagine, is alarming. I XXXX  the best way to dispute it and did with the 3 credit Bureaus that it was inaccurate and to remove it ( XX/XX/XXXX ). XXXX removed it which is great, but Trans Union and XXXX did not. I did more research and decided to reach out to the court as well. I wrote them a letter asking what infor that they have on me for reporting the information and they responded that they do not provide the credit bureaus information, which caused quite a conodrum as you can imagine. How is a credit bureau validating the information if the supposed court it occurred at does not supply the information. I wrote back to the credit bureaus Trans Union and XXXX with this information, even cited the proper law, and provided the paper the court provided, still nothing. 
This is my last resort to correct inaccurate information.
Consumer complaint received 2023-02-15
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. (PA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stuart-Lippman and Associates, Inc (GA)

Stuart Lippman and Associates Inc Please delete the account from my credit report for all 3 bureaus ( XXXX, XXXX, and XXXX  ) I have no contract with you and a cease and desist was asked of your company..You are still negatively affecting my credit report by keeping an account that I dont owe you. If the account is not deleted I will be forced to contact the XXXX  and legal counsel to file suit.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX/2023 Subject : Request for Deletion of Derogatory Information Under Metro 2 Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the Metro 2 Reporting Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the five points of compliance set forth by Metro 2.

The following items are being disputed : 1. XXXX XXXX Date Opened 2. XXXX XXXX Date opened In accordance with the five points of compliance under the Metro 2 Reporting Format, I would like to highlight the following concerns : 1. Accuracy : The reported derogatory information contains inaccuracies and erroneous details that misrepresent my credit history. 

2. Integrity : The information provided does not maintain the integrity and completeness required by the Metro 2 guidelines, leading to an unfair representation of my creditworthiness.

3. Completeness : The derogatory information fails to provide complete and comprehensive details necessary for accurate credit reporting, creating a misleading perception of my credit profile.

4. Timeliness : The reported derogatory information includes outdated or untimely data that should no longer be reflected on my credit report, as it does not align with the required timeliness of Metro 2 reporting.

5. Consistency : The reported derogatory information lacks consistency across different credit reporting agencies, further raising concerns regarding its accuracy and reliability.

To facilitate a thorough investigation, I am providing detailed explanations for each disputed item, along with supporting documentation. It is imperative that you adhere to the Metro 2 Reporting Format in examining each disputed item and ensuring compliance with the five points of compliance.

As per the Metro 2 guidelines, I kindly request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Additionally, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made.

I understand the importance of upholding the principles of accurate and compliant credit reporting. Failure to address this matter in accordance with the Metro 2 Reporting Format may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws.

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the Metro 2 Reporting Format, ensuring fair and accurate credit reporting. Please keep me informed throughout the investigation process. 

I appreciate your prompt resolution of this dispute. 

Sincerely,
Consumer complaint received 2023-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (SC)

I took out a {$6000.00} loan from One Main Financial. I made a payment of {$240.00} for at least a year before defaulting. After an extended period of time, I settled the loan for {$5.00}. Im not receiving a 1099-C for a cancellation of debt in the amount of {$2800.00}. I have paid the debt in full so I believe I should not have to pay taxes on fees.
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For the past several years I have received notices from this company regarding a debt that is no longer valid. The statute of limitations has run out on this debt. The last time I used this card was over 6-7 years ago, and the tast payment made was over 5 years ago. Last night a woman, collection rep. called me at XXXX. I told her that the statute of limitations had run out on this debt,. She said I was still obligated to pay. That is false. I also told her to cease and desist.
Consumer complaint received 2024-03-04
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, TX XXXX Dear Consumer Financial Protection Bureau, I am writing to address the severe distress caused by the findings of my recent investigation into my credit report. The discrepancies I uncovered have contributed significantly to my emotional distress and have highlighted the urgent need for accountability in the reporting practices of credit agencies. 

It has come to my attention that certain items on my credit report are unverifiable, invalidated, inaccurate, and highly questionable. Despite the mandates of the Fair Credit Reporting Act ( FCRA ), these discrepancies persist without proper resolution or rectification. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is unequivocally stipulated that all information reported on credit files must be 100 % accurate. The presence of these inaccuracies not only undermines the integrity of the credit reporting system but also directly impacts my financial well-being and peace of mind. 

It is imperative that the Consumer Financial Protection Bureau takes swift and decisive action to ensure that credit reporting agencies uphold their obligations to maintain accurate and verifiable information. By allowing such inaccuracies to persist unchecked, these agencies fail in their duty to consumers and perpetuate a system fraught with uncertainty and injustice. 

I implore the Consumer Financial Protection Bureau to investigate these matters thoroughly and to hold credit reporting agencies accountable for their failures to adhere to regulatory standards. Every consumer deserves the assurance that their credit report reflects an accurate and transparent representation of their financial history. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these concerns and restore confidence in the credit reporting process. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-15
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: Onity Group Inc. (GA)

PHH Mortgage Service reported XXXX, XXXX, XXXX, XX/XX/2020 as late payments after receiving and accepting payments of {$280.00} each month none of which were late. Changes in escrow amounts taxes reflects a difference to {$310.00} which was later paid. PHH mortgage did not open a suspense account or notify their intended action as they were supposed to have done. 
I have written to them by email and called a number of times asking to have the late payments remove as I am trying to refinance my house they have refused saying it is not an error. PHH mortgage have displayed little or no concern to the harm they have done even during this covid situation where mortgage companies are asked not to report late payments they have no regards for consumers.
Consumer complaint received 2024-03-04
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. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my case under reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ 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 XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-04
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. (CA)

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 accounts 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 Balance {$15000.00} XXXX/XXXX  XXXX Balance {$20000.00} XXXX XXXX XXXXXXXX Balance {$16000.00} XXXX XXXXXXXX Balance {$1800.00}
Consumer complaint received 2018-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I submitted a dispute with TransUnion concerning a couple collection accounts in XX/XX/2017. One was in XX/XX/XXXX and XX/XX/XXXX. One fraudulent account the company made the balance {$0.00} but left it negative. I have not been able to buy a house because of my credit score. TransUnions actions have left me with lasting damages ...

A. 1 account Was not mine B. 2 accounts were paid off, but still reporting as negative. Even though I had worked out a deal with the companies to pay off the collection amount and they would remove it from my reports. I also filed a dispute over the phone about the hits to my credit. The car dealership and XXXX XXXX pulled my credit for the same car. It should have only been 1 hit, not 2 hits.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX 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 Account name : # XXXX Account # XXXX Account # XXXX Account # XXXX 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 2021-05-19
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. (FL)

I sent out a letter To Verify The Accuracy On my Credit Report onXX/XX/XXXX2021. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof.
Consumer complaint received 2024-03-04
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. (PA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-04
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. (PA)

To whom this may concern, my name is XXXX XXXX, and this statement is being generated by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in violation under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave this consumer my written instruction or written consent to report anything on my consumer report which violates my rights as a federally protected consumer. No consent IS IDENTITY THEF! For this reason, I am demanding removal of these accounts IMMEDIATELY.
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (MA)

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Despite my initial communication, Experian has not responded, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : The information indicating a late payment for the accounts XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$26.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ). is incorrect. I request Experian to correct this inaccurate information on my credit report. 

The accounts XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$680.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$600.00}, Original Creditor : XXXX  ) do not belong to me. I request Experian to remove them from my credit report.
Consumer complaint received 2020-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specialized Management Services, Inc. (MS)

I pulled my credit report on XX/XX/15 and noticed so many accounts listed as SMS which is Specialized Management Services. Each of these accounts on my report are not mine. I had insurance that covered the full expense of my medical bill. I also did not give any consent for my information to be shared with SMS. This is a violation of HIPPA law.
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to you with utmost urgency regarding a fraudulent account that has appeared on my credit report. It has come to my attention that an account has been opened under my name without my consent or authorization. This is a blatant act of identity theft and I demand immediate action to rectify this egregious situation. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX Balance Owed : {$150.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$470.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.