davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Dispute of Inconsistent Reporting on Car Loan Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my CLOSED car loan account, XXXX XXXX XXXX ( Account Number : XXXX ) as reflected on my XXXX credit report. It has come to my attention that this account is showing as " open '' on XXXX, while both TransUnion and XXXX report it as " closed. '' Additionally, this account is inaccurately reflecting 30-day late payments with XXXX and Transunion that are not substantiated by my records. 

This inconsistent reporting is completely unacceptable and violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and reliable information. The discrepancies between the credit bureaus not only confuse potential creditors but also severely damage my credit score and financial reputation.

I demand an immediate investigation into this account to address the following : 1. Clarification of why this account is reported as " open '' on XXXX while being marked " closed '' with other bureaus.

2. Verification of the alleged 30-day late payments, including specific dates and details that support this claim.

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 

Your prompt attention to this matter is not only expected, it is absolutely necessary. I will closely monitor your response and pursue any necessary actions should this dispute remain unaddressed. 

Sincerely, XXXX XXXX XXXX XXXX : Copies of supporting documents, if applicable
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-10-25
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. (GA)

IM A VICTIM OF IDENTITY THEFT AND REPORTING THE FRAUD DONE TO MY PERSONAL INFORMATION TO CFPB, XXXX, TRANSUNION, XXXX, AND FTC. I HAVE ATTACHED FTC REPORT SHOWING ALL THE FRAUD DONE IN MY NAME, *****PLEASE READ FTC REPORT******
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

These accounts were not authorized by me and are a result of identity theft. I have taken steps to address this issue by submitting an identity theft affidavit to the Federal Trade Commission ( FTC ). Please update my report, and remove these items from my report.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My home was in foreclosure. I repeatedly tried to get the correct payoff from them. They never once would break down the correct amount. When the house was finally in Sheriff sale they had the right amount magically. It was XXXX less thess than they kept telling me on the phone. I was then able to just cash them out nd get the house out of foreclosure. With that being said they have promised on many occasions to report my loan as no payments late. I was late but only because they refused to work with me after Covid..
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number XXXX XXXX which is enclosed with this correspondence.
Consumer complaint received 2024-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year>, I mailed a formal dispute letter to TransUnion via XXXXcertified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I requested an investigation into several negative items on my credit report that were inaccurately reported and had discrepancies. Additionally, I disputed the incorrect personal information listed on my report, including inaccurate names and addresses. To comply with the requirements of the Fair Credit Reporting Act ( FCRA ), I attached all the necessary documents to verify my identity, including a copy of my government-issued ID, Social Security card , and proof of address. However, despite following all proper procedures and complying with FCRA guidelines, I received a letter from TransUnion dated XX/XX/year>, stating that they would not process my dispute because, according to them, " it didn't appear that you or a properly authorized third party sent it to us. '' This response is inaccurate and misleading, as I personally mailed the dispute letter directly to TransUnion, and no third party was involved. According to the FCRA, if the accuracy or completeness of any information in a consumer 's file is disputed, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the information is accurate. By refusing to investigate my dispute, TransUnion has violated my rights under the FCRA.
Consumer complaint received 2024-10-03
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. (CA)

On XX/XX/year>, I initiated a dispute with Experian on my mortgage tradeline with XXXX XXXX XXXX On XX/XX/year>, the results of my dispute were provided to me. 

For this dispute, I provided several bank account statements, from varying accounts and institutions, to evidence my timely payment of each monthly mortgage bill. The bank statements evidenced the following : XXXX payment : Paid XX/XX/year> XXXX Payment : Paid XX/XX/year> XXXX Payment : Paid XX/XX/year> XXXX Payment : Paid XX/XX/year> Experian conducted a frivolous investigation to the matter by simply requesting a response from the Creditor, who certified that my payments were late. The creditor 's erroneous records show -no payment for XXXX -a received payment on XX/XX/XXXX that doesn't exist on bank records -a received payment on XX/XX/XXXX that was returned for insufficient funds, despite bank records showing sufficient funds on the running balance throughout the month -a return of the XX/XX/XXXX payment on XX/XX/XXXX, despite bank records showing no return of funds at all. 

I believe the fact that the creditor 's records are incongruent with multiple bank institution records shows that XXXX XXXX XXXX records are erroneous, and yet, Experian made no effort to investigate further, nor to acknowledge our evidence. 

The very purpose behind my dispute was to provide evidence to Experian to show that I made my payments on time, that the money was debited from my account on the payment dates, and that the creditors records are incorrect. 

Their resolution was unacceptable, as they merely asked the creditor to verify their own information, and once the creditor verified it, the investigation was concluded with no change to my credit report. 

This resolution is in contrast to the one I received from XXXX, where they promptly corrected the tradeline on my credit report upon reviewing my evidence. 

If my credit score is a number that reflects my creditworthiness, then ultimately, the proof of my payment should support my creditworthiness, not the erroneous receipt records of the creditor. The decision to ignore my evidence of timely payment shows that Experian is unwilling to assist in ensuring that creditors report accurately.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-03
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. (TX)

Re : Letter to Remove Inaccurate Credit Information By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Consumer complaint received 2024-10-03
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. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 

TD Auto Finance : A/c # XXXX, target XXXX bank XXXX : XXXX, XXXX XXXX Bank A/c XXXX XXXX XXXX XXXX Bank XXXX # XXXX ; XXXX XXXX XXXX XXXX A/c # XXXX ; XXXX XXXX XXXX  # XXXX, XXXX - XXXX # XXXX, XXXX - XXXX # XXXX, XXXX XXXX SERVICES XXXX A/C # XXXX ; XXXX - A/C XXXX XXXX ; XXXX XXXX XXXX XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; I looked at my Experian credit report On XX/XX/year> and XXXX some things are incomplete and not XXXX XXXX And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

According to XXXX XXXX XXXX ( i ) ( XXXX ) they are suppose to do this ( XXXX ) treatment of inaccurate or unverifiable information : ( A ) in general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promply notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to XXXX XXXX XXXX ( XXXX ) XXXX they are suppose to 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 2015-06-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CNG FINANCIAL CORPORATION (MO)

Check n ' Go online continued to debit my account XXXX pay periods in a row after my loan was paid off totaling {$630.00}. I have been contacting customer service for the past month ( XXXX times in total ) inquiring about my money. The representatives continually tell me that the check was mailed out to me on the XXXX of XXXX and it should take XXXX business days. As it currently stands XXXX XXXX XXXX 2015 XXXX, it has been a month since this apparent check has been sent out. I have confirmed my address multiple times with the representatives and the only answer I receive is " I do n't know where the check is. '' Additionally, they claim to have put in expedited requested to the accounts payable department, but do n't get a response. If I take a loan out I can get my money in XXXX hours, but when it comes to money that is owed to me it takes over a month. This is very poor business practice. I have requested multiple times to have someone contact me and please provide an explanation as to the status of my refund, but still nothing. Since they XXXX took additional funds out of my account it has been nearly XXXX months and they have yet to refund a XXXX dollar or make any effort to even though they admit to owing me the money.
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (MN)

I am a victim of identity theft and someone stole my identity and used my personal information to open up an account with XXXX XXXX for cable and high speed internet service. I do not owe XXXX XXXX a debt of {$120.00}. The account or debt do not belong to me. I have been phone calls repeatedly from XXXX debt collectors who have harassed, verbally abused and threaten me with wage garnishment and arrest if I do not pay the debt. XXXX XXXX is in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I recently applied for an urgent loan with my credit union. When they tried to pull my credit report from Transunion, they were told that no information was available. My credit union called Transunion and were told that I needed to contact them. When I contacted them they told me that for some reason their system/company has XXXX different files for me and they need to combine the files before they could release my credit report. When I asked how this happened as I have never had a problem before they said it was just a system problem and that all I needed to do was send in a copy of my social security card and they could resolve my issue within XXXX business days. I immediately sent in my card copy as requested and after almost XXXX weeks they still had n't been able to get the issue resolved. I called them everyday, and everyday they told me it should be working now, but when my bank went back to pull the report they were still not able to obtain it. I call them, they tell me it 's okay, the bank calls and they say they are n't done working on it yet. I have asked several times to speak to a supervisor and have not been allowed to do so. Now today, my bank has reported that because of their lack of ability to obtain my credit report from Transunion they will not be able to grant my loan request and are closing out my application. The issues with my report are solely those of Transunion 's system and to no fault of my own. The other reporting agencies are n't having a problem, but my bank only uses Transunion who refused to correct THEIR error. I read online that this has become a normal practice for them and many people have complaints. In the meantime, my credit report is still unavailable and because of this I am unable to obtain an urgent loan that I need.
Consumer complaint received 2015-07-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

A man named XXXX keeps calling me from XXXX XXXX XXXX XXXX XXXX in XXXX New York. They use several phone numbers and change them frequently, but the most current XXXX is XXXX. They started contacting me last year about an HSBC credit card debt that was discharged in bankruptcy in XXXX 2011. However, they are VERY rude, XXXX threatens me with legal action, tries to intimidate me, and has even verbally attacked me on the phone. I even had to change my phone number and they STILL keep calling.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have attempted to dispute multiple accounts with XXXX XXXX and equifax and they have failed to correct the inaccuracies on my report. there are accounts that I am not liable for, and they these agencies have not supplied proof of my wet signature and many of other violations on my behalf as a consumer. Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ). I will list the accounts that are inaccurately reporting and I would hope that you correct and look into these errors. I am a servicewomen and I am fighting for OUR country and I know this is a violation of my rights under 15 USC. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
creditor : XXXX XXXX  acct # : XXXX, creditor : XXXX XXXX acct # : XXXX, creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX acct # : XXXX, creditor : XXXX acct # : XXXX these are these accounts that are misleading and reporting inaccurately on my credit report.
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (PA)

I am pregnant with my XXXX child. Obviously medical bills pile up. This is compounded by the fact that if you get behind by 1 day they send you to collection. Then you have to deal with the stress of a collection agency while still maintaining your payments on other bills. 

This debt was sent to collection in error. I spoke with XXXX XXXX who apologized and stated it would be removed. However, on XXXX/XXXX/2015 i get a XXXX demand letter to pay this debt. In bold letters stating DUE BY XXXX/XXXX/2015. i repeatedly get calls but they never leave a message. XXXX 

Additionally, they try to trick you into going to their website XXXX XXXX how professional is that website? ) in order to get the link to get your free copy of your credit report. Talk about being an Unfair, Deceptive, Abusive Practice. Fortunately i am an informed consumer who knows the website is XXXX. I feel sorry for those who are elderly and are tricked into whatever scam they have waiting for them on that site.