davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-09
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. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 XXXXXXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) 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 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 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 2024-11-08
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. (FL)

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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 2024-11-08
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. (MA)

XX/XX/scrub>XX/XX/XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy and also 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Upon researching my credit report I have late payments not only reported but false. Included with these late reports are a decline in balance with many future payments scheduled with this company.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported to be removed.

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. 

XXXX 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!

Delete the late payments from my consumer reports
Consumer complaint received 2024-11-08
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. (FL)

I have filed numerous disputes with this credit bureau stating that a false address is on my credit report. I have asked for it to be deleted from my credit report or numerous occasions but yet this credit bureau has failed to do so. 
The fair credit reporting act clearly states that all the information on a person 's credit report should be 100 percent accurate. I have informed this credit bureau that there is an incorrect and false address on my credit report and asked you to remove it and you have refused to do so and this is a clear violation of Fear Credit Reporting Act. Continued violation will result in me taking legal action against your company. I have informed this company on several occasions that I was victim of identity theft. 
Kindly delete the address listed below from my credit report : XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX and TransUnion are trying to get me to buy and use their own products to protect my credit after the XXXX security breach. I feel it should be easier and well within my right to be able to freeze my credit and put a fraud alert on my accounts easily. Nevermind the fact that XXXX clearly does not care about consumers if they are not protecting their information better. I also do not understand why I will have to pay {$30.00} to unfreeze my credit. I 'd like to see a change in the way the government handles this.
Consumer complaint received 2017-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

I was told that nelnet had my student loan and my loans had gone into collections. I called telnet and they told me that they had no knowledge nor info on my account, and that it was referred to a dept collection agency and l now owe the collection agency and l would like to know how do l owe them anything?
Consumer complaint received 2024-11-08
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. (AZ)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-11-08
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 RECENTLY DISCOVERED A FRAUDULENT CONVENTIONAL MORTGAGE ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USDED MY PERSONAL INFORMATION AND OPENED FRAUDULENT ACCOUNT UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO OPEN THIS FRAUDULENT ACCOUNT UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE ANY FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, KENTUCKY XXXX DATE OF BIRTH : XX/XX/year> SSN : XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX. XXXX XXXX XXXX XXXXXXXX KY XXXX XXXX. XXXX XXXX XXXX, XXXX KY XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX XXXX, Kentucky XXXX Once you have removed the incorrect addresses from my credit report, please send me a copy of my updated report. 
Thank you. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-11-08
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 
Account name : # 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.has violated my rights. 


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 2024-11-08
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. (AL)

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries appearing on my credit report, as I am a victim of a recent data breach. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts be blocked and removed from my credit file. 
The following accounts are fraudulent and were not opened by me : XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Additionally, the following inquiries were made without my authorization. Please remove these inquiries from my credit report : XXXX. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I hope this message reaches you in excellent condition I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlines I 15 U.S CODE 1666 ( B ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement.

( 5 ) A compilation error or similar accounting error made by the creditor on a statement It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to be render any ramifications of late payments regarding the linked accounts. Am in pursuit of concrete evidence from the creditors bank records that will support the assertion I failed to make a payment, resulting in an erroneous designation as late- a sign of an invoicing error- therefore.

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follow : paid as agreed. Also as you can see in the picture below there are multiple
errors which is a violations all 3 creditors has to report the same thing therefore my credit need to be updated
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im positive I always pay on time, but I dont understand why this company has reported late payments for certain months. By law ( USC 1666b ), billing errors must be fixed, and the account should be marked as " paid as agreed. ''
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

As a part of EquifaxXXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) XXXX is not available as an option, it is grayed out so it cant even be checked. 2 ) Equifax makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 ) XXXX - after filling out the required form, I am sent to XXXX 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH XXXX XXXX PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from XXXX and the other 2 .... WHAT THE XXXX GUYS! THIS IS INSANITY AND XXXX. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.
Consumer complaint received 2017-09-13
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: EQUIFAX, INC. (CA)

Equifax, XXXX and XXXX collect my private information - without my consent - and then sell my personal information as a product. Recently Equifax was hacked, and basically all adult Americans with an SSN were exposed to this breach.
I demand that the government enforce more strict regulations on credit reporting bureaus, and make it easier ( free and simple ) for consumers to freeze their credit in one centralized location - not individually though each major bureau.
I also demand that the government make it easier for citizens to change their social security number. This was never intended to be a permanent identifying number, and due to data theft a SSN is now a liability.
Please help US citizens protect their privacy and credit by making it more difficult for theives to access and exploit personal financial data.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Am I correct that I am required to pay for a freeze on my credit for XXXX and XXXX? I discovered this only after I had to navigate around a service XXXX wanted me to pay for ( XXXX ) as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this Equifax hack situation. Equifax should foot the bill for these credit freezes that put at least 143 million ( most likely many more ) identities at risk for theft. At {$3.00} per freeze, these agencies stand to make XXXX XXXX XXXX of dollars as a result of this.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Consumers should be able to freeze their credit for free on Equifax, XXXX and XXXX. This is a vital service that should be free and available to everyone who has credit history in the US as these companies can not be trusted to store their data securely and protect their data against security breaches. No American should have to pay in order to help prevent their own identities from being stolen.
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OK)

Purchased item from Retailer on XX/XX/XXXX that was part of a " Equal Payment No Interest '' promotion period of 48 months along with an exchange program. We exercised the exchange program with the Retailer and paid difference for replacement item on XX/XX/XXXX. Item was to continue as if same original transaction and be on the " Equal Payment No Interest '' promotion period of 48 months with Store Credit Card ( Synchrony Bank ). Statement indicated a " Deferred Interest/No Interest If Paid In Full '' for 19 months for this cost difference transaction. Retailer insists it " coded '' the transaction correctly - should have gone to Store Credit Card Company as 48 month promotion. Store Credit Card Company insists it was coded as 19 month promotion when they received it. 
Vi telephone on XX/XX/XXXX, Store Credit Card acknowledge that Retailer issued notice to them on XX/XX/XXXX indicating the transaction should be 48 month promotion. Store Credit Card Company also indicated that the corrected statement would not reflect change for 2 months and I would be required to pay minimum balance or be accessed a Late Fee. 
I am being required to pay an additional amount for the two months while the correction catches up with the paperwork. Additionally, I will not be given the credit of this over-payment in subsequent billings - my future billings once the correction kicks in will be the original equal payment over 48 months, i.e. if my promotional transaction was 4 equal payments of {$25.00} totaling {$100.00} and I was required to pay an incorrect minimum of {$30.00} for payment 1, my remaining 3 payments would be {$25.00}, {$25.00}, and {$15.00} respectively. 
The initial customer service rep understood the error and attempted to correct the minimum payment requirement, but was unable to do so due to his access rights. The subsequent Account Supervisor/Managers I spoke to were condescendingly belligerent and argumentative ( both the company and I recorded the calls ). They argued that if I did not make the " Minimum monthly payment '' I would be charged a late Fee. I purported that, due to the fact the account was in error and their acknowledgement of such, the minimum should be the transaction amount divided by the number of months per the terms. They continued to argue that the terms indicate that I was required to pay the late fee regardless of any error until the error was corrected.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PHH Mortgage Services Corporation (CT)

Mortgage company XXXX/PHH mortgage reported a late payment XXXX 2017. The payment was not late and was submitted electronically via bill pay on XXXX XXXX ( I have bank proof ). I also received a letter/voicemail from XXXX XXXX that this would not be reported late, the late charges were even removed. The payment somehow was lost in their system and it took days and countless phone calls to retrieve it. 
After filing an investigation via XXXX, PHH Mortgage denied it, claiming it was late. I have evidence to the contrary.
Also, XXXX has zero credibility anymore and should be dissolved
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Due to negligence on the part of Equifax, and allowing my personal information to be released without authorization, I am spending my time attempting to mitigate the potential losses from this company 's negligence. I have been shuffled from online to phone numbers which do n't answer, and also to a web site explaining that I now need to pay them to protect my data after their breach. On behalf of myself and all my family members, this unacceptable! You should be paying me for my time to attempt and hopefully fix your problem.!