davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
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)

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports
Consumer complaint received 2024-10-24
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. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-02
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-24
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. (NV)

Transunion provided they verified bankruptcy # XXXX with the US Bankruptcy court - Nevada also XXXX Bankruptcy # XXXX Transunion claimed was verified directly with US Bankruptcy court state of Nevada this is an error or a lie!!!

I also contacted the Fraud department at Transunion who stated verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! Transunion has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my bankruptcies you cant even legally file this close together!! The only time I have ever filed bankruptcy was in 2017 which was XXXX!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , 1682 Sincerely XXXX XXXX Transunion XXXX # XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX, My Social Security Number is : XXXX, The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, Please remove old numbers and address! 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 2024-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I FILED A COMPLAINT ON XX/XX/year> TO XXXX, TRANSUNION AND XXXX REQUESTING THAT THEY VALIDATE A NUMBER OF ACCOUNTS THAT I BELIEVE ARE INACCURATE AND THESE COMPANIES ARE NOT COMPLYING WITH THEIR OWN POLICIES IN A TIMELY MANNER.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payment on time for the billing cycle, which was due in XXXX and XXXX, XXXX. However, a late payment of 30 days was incorrectly reported for XX/XX/XXXX. 
I have provided evidence of this timely payment, including bank statements showing the payment was processed in XXXX and XXXX, XXXX, and payment confirmation emails from the creditor, proving the inaccuracy of the late payment entry. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Im disputing first progress account number XXXX, late payments of XXXX, XXXX and XXXX. I asked for documents stating that first progress mailed the due dates to me 21 days before each due date of XXXX, XXXX and XXXX. Im not disputing that I didn't pay the bill on time or didn't pay at all. I'm disputing that first progress violated US 15 1666b by not mailing each due date to me 21 days before each due date of months XXXX XXXX and XXXX. I ask that you request the documents of proof that they didn't violate the consumer law 1666b by sending me proof that I was mailed the due dates 21 days before each month of XXXX, XXXX and XXXX and if not I want my late payments updated to paid on time on XXXX, XXXX and Experian of months XXXX, XXXX and XXXX. I would like a copy of the statements proofing that I was mailed a statement 21 days before the due dates of months XXXX, XXXX and XXXX. This is consumer law that the company mails out due date statements 21 days before each due date and no later. Once again I'm not arguing or disputing that I didn't pay on time or didn't pay at all. I'm disputing did the company violate consumer law 1666b by not mailing documents to me 21 days before the due dates of XXXX, XXXX and XXXX. I need proof shown.
Consumer complaint received 2024-10-24
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. (FL)

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received copies of my credit reports provided by TransUnion, XXXX, and XXXX, and I have noticed that transactions related to the XXXX XXXX XXXX account with the number XXXX have been incorrectly marked as late payments and this is negatively affecting my personal life and my ability to acquire and build credit.

Legal Grounds for Dispute According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. 
This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer Report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title.

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX XXXX  ) constitutes a violation of 15 U.S.C. 1681a.

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of Payments Timing of Payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within 24 mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %.
Consumer complaint received 2024-10-24
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. (FL)

I recently reviewed my credit report and was surprised to discover several negative marks classified as " Late Payments ''. This is contradictory, as I have always made my payments on time. This situation is significantly affecting my ability to access credit, which has a direct impact on my personal and family life. I have noticed that transactions related to the XXXX account with the number XXXX have been incorrectly marked as late payments. I also find it in very bad taste that the credit bureau reports these things knowing that it is a violation of my rights as a consumer and a violation of my privacy. 

It was also reported in XXXX, XXXX and transunion.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several inquiries and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2024-10-24
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. (TX)

I am writing to inform you that I am a victim of identity theft. My personal information was compromised in a recent data breach, and as a result, unauthorized accounts and inquiries have been placed on my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that you block and delete all fraudulent accounts and related information from my credit file.

The account and inquiries that I believe to be fraudulent are as follows : Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retail Recovery Service N. J., Inc. (NJ)

After disputing this unlawful judgement on my credit report with XXXX to no avail. I 've sent numerous letters of debt validation to Retail Recovery Services, Inc of New Jersey and their attorney to no avail. All letters was sent certified mail to both parties with only their attorney sending the return receipt back once. This alleged debt is not a valid debt and I want it removed from my credit report. This collection agency put in a judgement against me without any valid documentation to begin with and it harmed my credit report! I am looking into suing this company if they do not validate this alleged debt.
Consumer complaint received 2024-10-24
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. (IN)

I am filing this complaint against TransUnion for failing to provide the specific information I requested regarding the verification of disputed negative items on my credit report, which includes inaccurate information about bankruptcy. I believe TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I mailed a dispute letter to TransUnion, requesting an investigation into the inaccurate negative items reported on my credit report, including a bankruptcy with discrepancies. In my letter, I specifically requested the following information related to how they verified the disputed items : The Date TransUnion Contacted the Creditor : I requested the specific date on which TransUnion initiated contact with the creditor and the furnisher of the bankruptcy.

Contact Information for the Creditor : I asked TransUnion to provide the complete contact information for the creditor, including their business name, address, and any available phone numbers.

Name of the Person Who Verified the Item : I asked for the full name of the individual at the creditor 's end who verified the accuracy of the disputed information.

Method of Communication Used to Verify the Information : I requested details on how TransUnion communicated with the creditor ( e.g., phone, email, mail ) to verify the accuracy of the disputed items.

Did the Creditor Provide SSN, Address, and Date of Birth? : I asked whether the creditor provided any sensitive personal information such as my Social Security Number, address, or date of birth to verify the disputed items.

To help TransUnion verify my identity, I made sure to include a copy of my government-issued photo ID, Social Security card , and a recent utility bill with my current address in the dispute letter. On XX/XX/year>, I received a response from TransUnion stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party.

This response is unjustified, as I provided sufficient documentation to verify my identity. It is clear that the dispute request was sent directly by me, not a third party. TransUnions refusal to process my request violates the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit bureaus are required to conduct a reasonable investigation if a consumer disputes the completeness or accuracy of any item of information on their credit report. TransUnion 's refusal to provide the specific details I requested and their failure to conduct a reasonable investigation violates my rights under the FCRA.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

i have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, i presume that no proof of the alleged debt, nor therefore any such debt, infact therefore exists
Consumer complaint received 2024-10-24
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. (FL)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2024-10-24
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. (CA)

I cant believe XXXX morning, I discovered that incorrect accounts were listed on my credit report, and I have no idea how they got there. I always check my credit report regularly, and today, out of nowhere, I noticed these discrepancies. I tried refreshing my browser, hoping it was just a mistake, but the inaccurate accounts remained. I need the documents I submitted to be reviewed carefully so I can stop worrying about this issue.