davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I submitted a FTC report to XXXX on XX/XX/XXXX, and 5 items were deleted/blocked from the investigation. XXXX has violated my rights under the FCRA 15 USC 1681i ( 5 Day reinsertion notice ). Under the FCRA, XXXX never notified me by email or US mail between XXXX and XX/XX/XXXX of any reinsertion within 5 days of reinserting the information. I uploaded a request to remove previously disputed items that were reinserted on XX/XX/XXXX. XXXX failed to comply under 15 USC 1681i ( 5-day reinsertion notice ).
Consumer complaint received 2023-05-30
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-02-06
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. (SC)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX
Consumer complaint received 2020-09-30
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. (OH)

On XX/XX/20, I contacted XXXX/XXXX  by phone due to this account being opened due to identity theft. I did not open this account. The rep said she closed the account.
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-02-06
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. (PA)

I submitted a loan modification last XX/XX/2018, during that time I paid my mortgage note on time each month until my modification was complete. Payments were taken and none were rejected. Until I applied for a second mortgage with another company I was denied due to multiple 120 day late payment reports on my current mortgage, which is incorrect. I have called the mortgage company, written letters to them as well as the XXXX and the late payments have not been removed. I have proof from my financial institution that the payments were made and received by XXXX however I was informed by a representative that there is nothing they can do and because the loan was in modification it does not matter that I made my payments and they were recorded they will not remove the late fees. I am being denied for loans and I must move and obtain another mortgage immediately. Please Help!
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (NY)

I have a plan with XXXX XXXX XXXX XXXX. This plan does not allow for automatic pay to be set up. Automatic pay mean money out my bank Account automatically every pay cycle. Some how one of XXXX XXXX XXXX employees manage to take money out my bank account which had to bargain by M & T bank. Therefore this was consider bank fraud.
Consumer complaint received 2023-05-30
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2020-08-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC (TX)

Today XX/XX/2020 at XXXX XXXX  a man named XXXX XXXX phone number XXXX called my office phone. He then stated that I would be served at my job and arrested! I asked him to not call my work and he then called back anonymous and asked to speak to my supervisor?? He then proceeded to call several of my co-worker 's extensions harassing them. Not sure how he knows all my co-worker 's names but he does and their phone numbers too. I asked him to not call my work and he called 4 times back to back to back harassing me and my co-workers.
Consumer complaint received 2024-01-23
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: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data
Consumer complaint received 2022-10-17
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. (LA)

I have noticed unauthorized inquiries showing up on my credit report at each of the three major credit bureaus Reporting on transunion XXXX  XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/22 I have not given permission for any of these creditors to pull my credit report and I believe I have been victim of identity theft
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

It is entirely unjust to discover late payments on my account, considering my consistent track record of timely payments. I insist on the swift correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account reflects my history of on-time payments accurately.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to bring to your attention the severe discrepancies I have recently uncovered in my credit report, which have not only caused significant distress but also raised serious concerns about the accuracy and compliance of the information being reported by your agency. 

Upon conducting a thorough investigation of my credit report, I discovered numerous unverifiable, invalidated, inaccurate, and questionable items. These discrepancies not only hinder my financial well-being but also violate the standards set forth by the Fair Credit Reporting Act ( FCRA ). 

As stipulated under the Fair Credit Reporting Act, it is imperative that all information reported on my credit file is 100 % accurate. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) explicitly state that consumer reporting agencies are obliged to ensure the accuracy of the information they report. Unfortunately, it appears that these obligations have not been met in my case. 

Enclosed with this letter, you will find copies of all correspondence sent to your agency regarding these discrepancies. It is my expectation that you will promptly initiate an investigation into these matters and rectify the inaccuracies on my credit report in accordance with the FCRA. 

I understand that errors may occur, but it is crucial that your agency complies with federal regulations to ensure the fair and accurate reporting of consumer credit information. I believe that by addressing and rectifying these discrepancies, we can collectively uphold the integrity of the credit reporting system.

I kindly request that you acknowledge receipt of this letter within [ reasonable timeframe ] and provide a detailed plan of action for the investigation and resolution of the issues outlined herein. Failure to do so may compel me to pursue legal remedies available to me under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of accuracy to my credit report.
Consumer complaint received 2023-02-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2023-05-30
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. (TX)

This is XXXX XXXX XXXX, I am submitting this CFPB complaint, once again, to correct the accounts on my credit file. I demand the immediatecorrection of these accounts from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. The following accounts should be corrected right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20
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. (MO)

I sent Transunion asking them for the description and procedure that was used in the verification of these accounts pursuant 15usc and how they updated these accounts. Transunion said on XX/XX/2024 replied that I should expect to receive those results in approximately 7 business days. It is now past 7 business days and they have failed to do so. " See attachments below '' Also my address of my Abode attachment below These accounts are not complete and accurate on my consumer report : XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX See attachment below. 

Transunion I would like to know what procedure was used in the verification of these accounts, not to mention the accuracy certificate pursuant 15USC 1681i ( 5 ) ( B ) ( 1 ) and the metro 2 compliance standard that used in the reporting of the verification of accuracy of the information.

15USC 1681i ( 6 ) ( B ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the contacted in connection with such information and the telephone number of such furnisher if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information; and ( v ) a notice that the consumer has the right under subsection ( d ) the the consumer reporting agency furnish notifications under that subsection.

15USC 1681i ( 7 ) ( 7 ) Description of the reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15USC 1681i ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2022-06-02
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. (PA)

I want to apply for a mortgage house loan and was denied due to all 11 unauthorized hard inquiries that are on my credit report when it checked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
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: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BBVA FINANCIAL CORPORATION (FL)

BBVA credit cards seem to have been stolen in bulk and used in fraudulent transactions from a vendor called " XXXX ''. BBVA has shown in interest in protecting consumer credit card accounts from a data breach and allowed massive fraud to happen. Internet forums have reports of multiple accounts having the same problem, but the bank has no plan to address. 

Concerned that my personal information has been breached.
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I tried to deposit {$1000.00} to my son 's 5/3 checking account today as I have done several times in the past at the same branch. Today for the first time I was asked for several pieces of personal information : drivers license, phone number, profession, social security number and if I was a citizen of the US. When I questioned the need for this information I was told it was required for any deposit over {$500.00}, when I asked if it was a new policy I was told no it had always been a policy of all banks not just 5/3. I thought the amount was {$10000.00}. My son needed the funds today so I was forced to give them the information but I feel my privacy was violated. Was It discrimination because I was doing laundry, cleaning house and was dressed in a t-shirt, shorts and old tennis shoes? Before this trip to the bank I was always dressed as if I was on my way to the office.
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (NY)

Recently ive been shopping around in regards to buying a house. I was informed by my potential lender that there was some negative items added to my credit report recently that i have no knowledge in and is COMPLETELY INACCURATE which is damaging to my credit report, and a defamation to my character I sent out letters to all XXXX credit reporting agencies on XX/XX/23 regarding this negative account that's reporting they haven't responded back to my complaint nor have they provided me with any verification of this negative account, its been XXXX, and this issue is now a violations of my consumer rights.
Consumer complaint received 2024-03-20
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)

TransUnion is currently reporting an account under XXXX XXXX that has been successfully removed from both my XXXX and XXXX reports due to inaccuracies. Despite this, and despite providing evidence of these inaccuracies, TransUnion persists in retaining these erroneous accounts on my report. This action blatantly contravenes the Fair Credit Reporting Act ( FCRA ), particularly violating FCRA Section 611. I am seeking prompt resolution in accordance with this code, which necessitates the immediate termination of inaccuracies.
Consumer complaint received 2024-01-23
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 1681n. Civil liability for willful noncompliance XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once 2. 1681i. Procedure in case of disputed accuracy XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once. 
3. 1681n. Civil liability for willful noncompliance XXXX XXXX Account XXXX : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
4. 1681i. Procedure in case of disputed accuracy XXXX XXXX XXXX 
Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once 5. 15 U.S code 1681b ( a ) ( 3 ) ( a ) XXXX XXXX Account Number : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
6. 1681s - Administrative enforcement XXXX Account XXXX : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
7. 15 U.S code 1681b ( a ) ( 3 ) ( a ) XXXX XXXX XXXXccount Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

8. 15 U.S code 1681b ( a ) ( 3 ) ( a XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.