davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Received Notification That TransUnion Concluded My Request For Investigation In Regards To My Zero Balance Accounts With XXXX And XXXX XXXX. The TransUnion Credit Reporting Agency Has Not Corrected My Credit Report In Regards To XXXX, And XXXX. XXXX These Accounts Are Paid In Full, And Should Reflect A Zero Balance. Please Update My Credit Report, As It Is Negatively Affecting My Credit Score, And My Credit To Debt Ratio. As of Today, My TransUnion Credit Report Is Still Showing My Debt As {$4700.00} And This Is Not Correct. And The TransUnion Credit Reporting Agency Should Accurately Report That The Balance is Zero.
Consumer complaint received 2015-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OK)

There is information on my report that both of my banks have confirmed are not mine and should be removed. It was filed in a bank rupt claim XXXX years ago. The XXXX credit card in the dispute belonged to my sister. It list me as an authorized user from XXXX.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
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. (FL)

My account with XXXXXXXX XXXX XXXXXXXX XXXX, AND XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXever 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 2024-08-30
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. (OH)

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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  debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (OR)

I have my credit frozen with XXXX and Equifax. I havesubmitted all information they have requested to unfreeze mycredit per their website. I have lost my XXXX digit pin numberthey require which is why I have to send everything in themail they request as proof of identity. I receive nothing backsaying why they have not unfroze my credit and thereforeI ca n't get a loan currently. You ca n't talk to anyone on thephone because they just direct you to the website with theinstructions to follow to send everthing snail mail to get itunfroze. Help on this matter would be greatly appreciated as Ido n't know what else to do at this point.
Consumer complaint received 2024-08-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (PA)

Hello, I've had trouble paying off my {$300.00} credit limit with Target XXXX XXXX serviced by TD Bank. Every time I've made a payment the last few months, it's been returned and I couldn't understand why. I looked at my transaction history and TD Bank is charging me XXXX Return Payment fees ( {$30.00} x XXXX ) every time they state my payment was returned. I've never been notified by my bank of transactions not being able to be completed. It seems like a money grab. If the returned payments are valid, that's entirely fine, but to be charged twice each time is criminal. I've requested the transaction history and the card holder agreement to see that the fees are either not present or valid, and I wasn't able to get either one upon request. I'm attaching screenshots of my card transaction history that show clearly I'm being charged {$60.00} every single time that they claim my payment was returned. I called customer service on XX/XX/year> and requested this information. I was put on hold, but my call was promptly dropped.
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. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX. On the XX/XX/XXXX XXXX, the billing cycle closed on XX/XX/XXXX with payment due on XX/XX/XXXX. On the XX/XX/XXXX XXXX, the billing cycle for closed on XX/XX/XXXX with payment was due on XX/XX/XXXX. However, on XX/XX/XXXX Statement, it shows that a LATE PAYMENT FEE was placed on the account on XX/XX/XXXX. This late fee was placed on the account before the due date for XX/XX/XXXX payment was due before the ending of billing cycle for XX/XX/XXXX. As such, the subsequent XXXX XXXX XXXX for XX/XX/XXXX is completely inaccurate. Additionally, TransUnion is reporting that the XXXX XXXX of the Account is 60 Days late. XXXX is reporting the account as 30 Days Late. Neither of these are accurate. On the XX/XX/XXXX XXXX, the billing cycle closed on XX/XX/XXXX with payment due on XX/XX/XXXX. On the XX/XX/XXXX XXXX, the billing cycle for closed on XX/XX/XXXX with payment was due on XX/XX/XXXX. However, on XX/XX/XXXX Statement, it shows that a LATE PAYMENT FEE was placed on the account on XX/XX/XXXX. This late fee was placed on the account before the due date for XX/XX/XXXX payment was due and before the ending of billing cycle for XX/XX/XXXX. As such, the subsequent XXXX XXXX XXXX for XX/XX/XXXX is completely inaccurate. 

Additionally, TransUnion is reporting that the XXXX XXXX of the Account is 60 Days late. XXXX is reporting the account as 30 Days Late. Neither of these are accurate.
Consumer complaint received 2024-08-30
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. (CA)

Experian fail to follow the law relating to claims of identity theft. They're causing harm and injury. Please block and remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
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. (CA)

On XX/XX/year>, I submitted a formal notice through the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent accounts on my credit report. in complaint iD : ( XXXX ). According to 15 U.S.C. 1681c-2, your agency is required to block fraudulent information within four business days of receiving such notification. As of today, XX/XX/year>, more than four ( 4 ) business days have elapsed since my initial submission, yet this fraudulent information remains on my report. You have failed to comply, leaving this information on my report in violation of the Fair Credit Reporting Act ( FCRA ). This disregard for FCRA timelines constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. Additionally, by failing to ensure the accuracy of my credit report, your agency has also violated 15 U.S.C. 1681 ( a ) ( 2 ), which mandates that consumer reporting agencies adopt procedures to assure maximum possible accuracy of the information they report. I have suffered significant harm as a result, including denial of credit, employment, and severe damage to my reputation. 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 In light of these ongoing violations, I demand immediate deletion of these fraudulent accounts from my report and written confirmation of your compliance within XXXX business days. I also reserve the right to pursue damages for the harm caused to my financial standing and reputation. Please be advised that if this matter is not resolved promptly, I will pursue legal action to enforce my rights under the FCRA.
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. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
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. (IL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute inaccurate information on my credit report as provided by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into the following items : Please remove Addresses listed below XXXX XXXX XXXX XXXX XXXX, XXXX, UT, XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Documents will be provided to prove a valid address. 
The presence of these inaccuracies has adversely affected my creditworthiness and could potentially have serious consequences on my financial standing. As per FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to have these errors promptly corrected. 
Enclosed with this letter are copies of relevant documents supporting my claim. These documents include [ list the supporting documents, such as billing statements, identity verification documents, etc.. 
I request that you investigate these disputed items and promptly remove any inaccurate information from my credit report in accordance with FCRA 611 ( a ) ( 5 ) ( A ) ( i ). Additionally, I would appreciate receiving a written explanation of the actions taken regarding this dispute within the time frame stipulated by FCRA.
Consumer complaint received 2024-10-19
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)

I have submitted a complaint about this company reporting false data on my credit report. They have not gave me any copies of legal agreement or contract between me and the debt agency not even a sign documents. How it has been 60 days and they still reporting fraudulent information. They have not sent the legal documentation to the CFPB.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-11
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. (MS)

I have repeatedly disputed inaccurate information to TransUnion about the XXXX bank reporting on my credit report. I paid the account off in XX/XX/year> and have said that when I disputed it through transunion several times. Ig stills shows open and delinquent. XXXX the account shows the account as paid and closed and XXXX deleted the account once I disputed the information because they found my dispute accurate. I have reached out to transunion and they refused to help with account.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Reporting late payment on my credit report violating 15 usc 1666b 15 usc 1681a ( 2 ) and 15 usc 6802. Did not allow me to use and did not explain the credits that was created from the promissory note to offset the debt. Collected unearned interest. Did not explain gaap accounting in the consumer transaction. Its securities fraud being committed with the promissory note that i signed. Lack of full disclosure. Did not receive proper consideration.