davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The gentleman on the other end called me a liar, said that I was giving the wrong email address.When I have ONLY one, regarding complaint # XXXX. I was trying to find out about a company 's respose to my dispute, but was being refused the information I requested. XXXX XXXX credit card company is on my report fraudulently, and am NOT getting ANY help From your employee.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete 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 XXXX XXXX XXXX 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 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for the following account : Account Information Account Name : XXXX XXXX Account Number : XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. I have consistently made my payments on time, as this account was enrolled in autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payment history for this account is inaccurate, with a single late payment entry on my TransUnion, XXXX, and XXXX files that does not align with my actual payment records. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account information.

Truth in Lending Act ( TILA ) Violation : The reporting practices fail to meet TILA 's requirements for accurate credit reporting.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy.

Under FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), there is civil liability for willful and negligent noncompliance, which includes actual damages, attorneys fees, and possible punitive damages.

Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that these entries be updated to reflect my true payment history, which shows 100 % on-time payments. Please confirm the removal of these inaccuracies within 30 days of receiving this complaint.

Attachments : Copy of ID Social Security Relevant documents related to the account, including payment records demonstrating on-time payments. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

I have attached a picture from my credit report and it is incorrectly reporting a 60 day late payment to XXXX and on the same month XXXX and XXXX are current. This needs to be fixed
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

My lender was unable to check my credit score. After several days of trying to contact Experian, I figured out that Experian has a wrong SSN on file. I started dispute, but ended up seeing that Experian can not do this online. Website provided me with the report number and telephone number to call and speak with a dispute specialist. However, as with any other phone number Experian has, this phone number was answered by the same answer machine, that did not let me speak with a specialist, and did not have any suitable option, offering absolutely irrelevant choices. I tried it for 3 days and spent several hours total, but couldnt get through it. It seems there is no way for a consumer, whose information was distorted or misused by Experian, to fix the issue, as Experian does everything it can to neglect and disregard consumers needs.
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (GA)

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. Experian failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore Experian is REQUIRED to immediately remove each and every last one of them from my credit report.
Consumer complaint received 2021-03-25
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 looking at my credit report and I have a lot of accounts I don't recognize. These accounts are causing me a lot of emotional distress for my family and stopping us from buying our house!! I Can't do anything and the bureaus allow this frauduent accounts on my credit profile. Please remove these inaccurate accounts from my credit report. Please send me an updated copy showing it's gone so I can buy my house. 

XXXX {$1200.00} account number XXXX The XXXX XXXX account number # XXXX I've tried to reach out to these companies but they will not respond or remove the accounts!
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (FL)

EdFinancial is reporting late payments of over 90 days for XX/XX/XXXX, as well as the months of XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. During that time, I was told my loan was in deferment due to unemployment. I was told that although I would be responsible for the debt, I was not required to make payments at that time. I did however pay what I could pay, whenever I could pay it. I recently received a copy of my credit report and found all the months are reporting as over 90 days late. 
I contacted EdFinancial via letter and requested the incorrect information be removed from my credit report as it is incorrect and is a violation of my rights under the Fair Credit Reporting Act. I received a generic response that the information was reported accurately and absolutely no investigation was completed as to why these late payments are being reported. 
Also, I am in process of loan discharge due to false certification, however, the school that I attended has been closed down and I am finding it difficult to obtain copies of transcripts.
Consumer complaint received 2021-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

I Received a letter from a debt collector claiming I owe a debt to them. Company Name : XXXX XXXX XXXX, XXXX. I disputed this debt with them and ask for Verification of this debt which they haven't provided me as of yet. I informed them that the information on the debt is inaccurate and that I'm not associated with this debt and to. Please Remove From my Credit Reporting. I then got in touch with the Original Creditor. Synchrony Bank in which they informed me in writing that the debt was SOLD to XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Inaccurate reports still reporting on my Equifax. 
XXXX. ) XXXX XXXX bank Date Opened- XX/XX/XXXX Balance : {$86.00} XXXX. ) XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. ) XXXX XXXX  Date Opened : XX/XX/XXXX XXXX. ) XXXX XXXXXXXX XXXX  Date Opened- XX/XX/XXXX They gave me confirmation # ( XXXX ) And then another ( XXXX ) trying to solve this issue and I have received nothing even with proof..
Consumer complaint received 2022-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I applied for a Kohls credit card because it is advertised on their site that you can PREQUALIFY WITH NO IMPACT TO YOUR CREDIT SCORE. I was declined, and I received a notice from XXXX that a hard inquiry was taken on XX/XX/2022 from Kohls/Capital One. I called XXXX and they stated that only Kohls can remove the inquiry. I called Kohls and they said that they will not remove the inquiry. I believe this is fraudulent on the part of Kohls and unscrupulous. I would never have applied if I knew it was going to be a hard inquiry. I have a screenshot of the website where it says there will be not impact to the credit score. Kohls told me initially ( XXXX different people ) that it doesnt say that!! At this point, XXXX and Kohls are passing me back and forth and I am working on my credit and Im left holding a hard inquiry. Totally wrong.
Consumer complaint received 2020-09-09
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX For XXXX/Equifax/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I am a senior, XXXX  years old. 
You have stated to me that I am not the person submitting this information. You are wrong. I am able to read, write and speak ENGLISH better than you. I suggest you do your job and fix my report and remove these invalid entries. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX ACCT : XXXX AMT  : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$620.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$75.00} XXXX. XXXX XXXX XXXX ACCT : XXXX AMT : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax   and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question.

Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

I was looking at my bank statements and I saw on XX/XX/XXXX I had an unauthorized charge of {$1000.00} taken from my checking account on XXXX. I called chase which is my bank to dispute the transaction and they told me they couldnt do anything and to call XXXX so I then called XXXX and they told me I had to call my bank.
Consumer complaint received 2024-10-14
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. (MI)

XXXX 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 : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX 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. 
XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$5800.00} Chapter XXXX Bankruptcy Reference # XXXX Chapter XXXX Bankruptcy Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-04-08
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. (CA)

Noticed a new/old collection acct on my TransUnion credit report. Contacted TransUnion this acct was previously on my credit report with XXXX XXXX for XXXX in which I filed a police report due to Identity Theft. The collection was removed sometime in XX/XX/XXXX. I received notification that the XXXX acct is now using XXXX XXXX as the debt collector and that the collection would not be reported to any of the credit bureaus and they provided me with a letter on XX/XX/XXXX and notified all reporting agencies for all credit bureaus to delete this acct from my credit report. XX/XX/XXXX I was notified that the collection for XXXX XXXX for XXXX is reporting on my TransUnion. I contacted and spoke with XXXX in the Special Handling Department of this error and uploaded the letter from XXXX XXXX as well as the police report and provided the AUD ticket # to delete immediately. XXXX informed me that the only communication they use to remove a derogatory mark is via dispute and it could take up to 30 days and in the meantime, I have to suffer with a 75 point drop to my credit risking being denied approval for housing and credit for my business since PG is required. This is not fair that this collection acct keeps making its way back onto my credit report affecting my credit profile. I have asked for this to be removed and deleted from my report immediately. TransUnion is behind in time not able to assist with urgent life affecting matters as this.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2020-08-20
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-04-08
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. (MO)

XXXX XXXX XXXX Account # XXXX This account was deleted form my credit file on XXXX XXXX do to reporting inaccurate information. Now you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) .This item was deleted and reinserted without notifying me 5 business days after and certifying that the items was validated properly. I demand this account be deleted from my credit file or I will seek litigation. Violations According to the CFPB : 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) : ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion 15 U.S. Code 1692c ( a ) : ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I enclosed attachments providing proof that this inaccurate account was deleted on XXXX XXXX. So as you see my rights are being violated in so many ways according to the Consumer Financial Protection Bureau ( CFPB ), by this inaccurate account being deleted and then reinserted back on my credit file. This is causing tremendous stress and preventing me from getting new job opportunities to better my family life which is not fair. 
Thank You regarding this matter!