davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am filing this complaint to demand immediate action regarding the extensive and ongoing inaccuracies on my XXXX XXXX account ( # XXXX ) as reported by TransUnion , XXXX, and XXXX . Despite my repeated efforts to dispute and resolve these errors directly with each bureau, they continue to report inaccurate and conflicting information in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Account Details and Reporting Inaccuracies : Account Number : XXXX Original Creditor : XXXX XXXX Balance Owed : {$410.00} Creditor Type : Utilities/Wireless Telephone Service Date Opened : XX/XX/XXXX Payment Status : Closed / Collection account / Seriously past due date Dispute Status : " Not disputed '' on TransUnion and XXXX , despite multiple formal disputes. 
Key Inaccuracies Across Bureaus : Inconsistent Date of Last Activity : TransUnion and XXXX list the last activity date as XX/XX/XXXX, while XXXX records it as XX/XX/XXXX, resulting in an inconsistency that must be resolved. 
Conflicting Closed Dates : TransUnion and XXXX show the closing date as XX/XX/XXXX, while XXXX lists it as XX/XX/XXXX. This discrepancy in such a key detail makes the reporting unreliable. 
Contradictory Payment History : XXXX shows this account as Charge-Off ( CO ) from XXXX to XX/XX/XXXX, while XXXX reflects on-time ( " OK '' ) payments in the same periods. This misalignment conflicts with the FCRAs requirement for accuracy. 
Incorrect Dispute Status : Despite my documented disputes, TransUnion and XXXX still list this account as " not disputed, '' violating my rights under FCRA Section 611 ( 15 U.S.C. 1681i ) for disputed information to be investigated and corrected. 
Incomplete Payment History Reporting by TransUnion : TransUnion does not provide any payment history for this account, creating an incomplete and misleading profile that fails FCRAs standards for accurate and complete reporting. 
FCRA Violations and Legal Consequences : The FCRA mandates clear, accurate, and verifiable information. These credit bureaus actions are in clear violation of : FCRA Section 611 ( 15 U.S.C. 1681i ) : Failure to correct or delete inaccurate or unverifiable information after a dispute. 
FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to use reasonable procedures to ensure maximum accuracy. 
FCRA Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) : Allowing consumers to seek damages for willful or negligent non-compliance. 

Intent to Pursue Legal Action : If these inaccuracies are not removed within 15 days, I will file a lawsuit under the FCRA for damages resulting from willful and negligent non-compliance by the credit bureaus. 

Attached are copies of my recent credit reports from TransUnion, XXXX, and XXXX, as well as records of my previous disputes. I trust that the CFPB will take swift action to ensure compliance with FCRA standards and protect my rights as a consumer.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am filing this complaint against XXXX for their egregious violations of the Fair Credit Reporting Act ( FCRA ) and the substantial damage they have caused to my credit profile and financial stability.

Here are the facts : I paid off a car loan with XXXX in full with a {$29000.00} cash payment. I have documented proof from both my finance company and bank confirming the payment was made. 
XXXX reported the loan as paid and closed to the credit bureaus. However, a week later, they falsely claimed my payment was late. After contacting them, XXXX acknowledged receiving the payment but did not correct their erroneous reporting.

As a result of XXXX inaccurate and irresponsible reporting, my credit score dropped by XXXX points, which directly caused : The loss of my job, where maintaining a certain credit score was required.

My disqualification for a home loan, crushing my familys financial plans.

This reporting error has had catastrophic consequences for me and my family, and XXXX must be held accountable for violating my consumer rights. Specifically, XXXX has breached the following FCRA provisions : 15 U.S. Code 1681s2 Duty to provide accurate information to consumer reporting agencies. XXXX failed to meet this obligation, as they initially reported the loan positively, then erroneously changed it to a negative status.

15 U.S. Code 1681i Failure to investigate disputes. Despite my providing proof of payment, XXXX has not corrected the inaccurate reporting in a timely manner. 
Cases like XXXX XXXX XXXX  and XXXX XXXX XXXX highlight the FCRA violations present in this matter, and I am prepared to take legal action if this issue is not resolved immediately. The harm done to my credit, employment, and home-buying process demands compensation.

If this issue is not resolved immediately, I will pursue further action, including filing complaints with the XXXX XXXX ( XXXX  ), the FDIC, and the OCC. Additionally, I will be moving forward with legal action to ensure I am fairly compensated for the damage XXXX has inflicted on me and my family.

I have attached all documentation, including payment proof and communication records, to support my claim.

I expect a prompt response and a thorough resolution to this matter.
Consumer complaint received 2024-10-28
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. (GA)

I am writing to demand the immediate deletion of the XXXX XXXX XXXX  account on my credit report, as this information is both inaccurate and inconsistent with the records maintained by other major credit bureaus, XXXX and XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), TransUnion is required to ensure accurate and consistent reporting across all credit bureaus. Failure to comply with this requirement is a violation of my consumer rights.
Consumer complaint received 2017-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX  is blatantly violating fair credit billing practice is at by voluntarily changing date of last payment over and over again so that my guard last payment over and over again so that my card reporting to the credit bureau forever it is shocking how   XXXX   is accepting that the payments were returned see document attached but still  XXXX  reported but still  XXXX  reported to the credit Bureau as paid on time so that my first date of delinquency is moved ahead so it remains on my credit report forever
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY ()

I was charged interest by AmEx on my purchases even though my balance was paid in full. They claim it was a technical error and happened to other customers as well. They say the charges will be reversed, however I have an automatic withdrawal from another account to pay this bill, which means they received payment for the bogus charge. How many other customers did they do that to? How much money do they make by keeping this money for a month before returning it? It was only  XXXX  cents for me, but if they do that to a million customers, that 's a nice monthly profit of {$30000.00}.   The charge was on  XXXX   XXXX ,   XXXX  , and I will apparently receive a reversal on  XXXX   XXXX ,   XXXX  .
Consumer complaint received 2024-09-14
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. (LA)

I am a victim of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (NJ)

First, I started receiving phone calls from  XXXX  company in a  XXXX  of  XXXX  claiming I owe money for the phone bill. I informed company that I never had  XXXX  account and I have been  XXXX   XXXX   XXXX  customer since  XXXX  and never changed company. I asked for information they have on file, such as social security #, account #, phone # account was connected to. Caller refused to provide me this information. I went to police department and filed police report as possible identity theft. After that, I never heard from them again until 5 years later in  XXXX  of  XXXX  when I received a letter from Dynamic Recovery solutions claiming I owe money to  XXXX   XXXX   XXXX . They still did n't provide me any supporting information. I 'm sick and tired of this harassment! I never had  XXXX   XXXX  account and never dealt with them!
Consumer complaint received 2024-10-27
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 noticed 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 have attached a copy of my report to this complaint on the following dates ( XXXX and XX/XX/year> ). i am now requesting you investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This might be my eighth request for this error to be corrected through the CFPB, yet the issue remains unresolved, and it seems no one is taking action or offering assistance. Although a TransUnion representative updated my address and phone number, I am still locked out of the system. I need to have my credit unfrozen temporarily. Despite multiple calls, submitting my ID copies, and providing proof of identity through mail, the problem persists. What else is required of me? The situation has become untenable. Even a direct contact from a TransUnion representative to resolve this would be extremely helpful. At this juncture, it feels personal. The screenshot I submitted today evidences my attempt. When the response email was not forthcoming, I called on Wednesday and Friday, only to encounter rude TransUnion representatives who were unhelpful.
Consumer complaint received 2024-10-27
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. (GA)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (NJ)

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 2024-10-26
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 15 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  and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2024-10-26
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. (GA)

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 accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2024-10-26
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've submitted my Federal Trade Commission Report ( Identity Theft Affidavit ) clearly stating fraudulent accounts, which indicates a crime was committed. Although, XXXX and XXXX took initiative action to resolved the matter, TransUnion failed to follow laws governing FCRA laws and laws for victims of criminal behavior in credit reporting. Thank you.
Consumer complaint received 2016-08-18
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Integrated Recovery Services (FL)

This number XXXX ext XXXX Integrated Services say that I got a payday loan. They keep calling my work after i told them that it was n't. They said that I was going to jail he keeps calling me at work. I asked him for his mailing address and he would not give it to me. I am going to lose my job because they call every day.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am formally disputing the XXXX XXXX account reported on my credit file. After conducting a detailed review, I have identified numerous compliance issues that do not meet Metro 2 standards and compromise the integrity of this data. Due to these unresolved issues, I am requesting the immediate deletion of this account from my credit report. 

Compliance Issues and Inconsistencies : 1.Inconsistent Payment Status : XXXX and TransUnion report this account as Charge-off, while XXXX lists it as Unpaid balance reported as a loss by credit grantor. This inconsistency in reporting charge-offs across bureaus violates Metro 2 standards, which mandate uniformity in reporting. If XXXX XXXX can not ensure consistent reporting, this account should be removed. 
2.Conflicting Last Updated Dates : The last updated date for XXXX and TransUnion is XXXX as XX/XX/year>, while XXXX shows XX/XX/year>. This discrepancy demonstrates a failure to maintain accurate and timely reporting, further violating compliance standards. Given the lack of data integrity, this account should be deleted if an accurate last updated date can not be verified. 
3.Erroneous 2-Year Payment History : The payment history includes contradictory delinquency statuses across months and bureaus. For example, multiple months are marked as Charge-off ( CO ) inconsistently, with other months showing various delinquency levels like 90, 120 days late, or Not Reported ( NR ). This erratic reporting undermines the reliability of this account and fails to meet the standards of accurate, clear, and compliant data reporting. 
4.Irregular Derogatory Events : XXXX lists 30, 60, and 90-day late payments spanning various months, whereas TransUnion and XXXX do not reflect these derogatory events in the same manner. Such discrepancies indicate a lack of consistent reporting and further demonstrate non-compliance with Metro 2 requirements. Given these irregularities, the account can not be deemed accurate and should be deleted.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.
Consumer complaint received 2024-10-27
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)

The account with number XXXX is not mine. The only legitimate XXXX account I have is associated with XXXX. My personal information was compromised in a data breach, which led to this unauthorized account being reported. I request the immediate removal of this account from my credit report. Your reporting is both negligent and inaccurate, violating the Fair Credit Reporting Act ( FCRA ). Please take corrective action to comply with federal regulations and ensure accurate reporting.
Consumer complaint received 2024-10-27
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. (CA)

Fraudulent inquiries on personal credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My accounts was 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/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-27
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)

XXXX XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint.
Consumer complaint received 2024-10-27
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. (NJ)

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act & # 39 ; s main goals are to balance the government & # 39 ; s need for information with the rights of individuals to privacy.

The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information.

Requires notice : Agencies must notify the public of their record systems.

Requires consent : Agencies can not disclose an individual & # 39 ; s record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.