davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear CFPB, I am filing a formal complaint regarding XXXX, XXXX, and TransUnion, related to an inaccurate late payment on my credit report for my credit card account ending in XXXX. As the account holder, I have disputed this erroneous entry directly with each bureau, citing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), yet I have received no adequate response or corrective action from any of the bureaus. 

Details of Dispute and Violations The presence of an incorrect late payment on my credit report is damaging to my credit profile and financial standing. Despite my consistent payment history, the bureaus have reported a late payment in error. I have demanded verification and correction per my rights, but each bureau has failed to comply. 

According to FCRA 611 ( 15 U.S.C. 1681i ), consumers are entitled to a prompt and thorough reinvestigation of disputed information. The continued reporting of this inaccurate late payment suggests the bureaus are not adhering to FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates the maintenance of maximum possible accuracy. This inaccurate reporting has persisted despite my dispute and request for correction. 

Furthermore, FDCPA 807 ( 15 U.S.C. 1692e ) prohibits the dissemination of false or misleading information in the collection and reporting of debts. The failure of the bureaus to remove this inaccurate late payment is not only misleading but violates my rights under FCRA 623 ( a ) ( 1 ) ( A ), which requires that information furnished to the bureaus is accurate.

Request for CFPB Action Due to the lack of response from the credit bureaus, I am requesting the CFPB to : 1. Initiate an Investigation : Conduct an independent investigation into XXXX, XXXX, and TransUnions compliance with FCRA and FDCPA regarding the erroneous late payment on my report. 
2. Demand Documentation : Require that each credit bureau provide full documentation of their investigation, including the method of investigation and any records used to validate the late payment on my account.

3. Ensure Correction and Compliance : Insist that XXXX, XXXX, and TransUnion remove the inaccurate late payment from my credit report, update my account to reflect on-time payments, and provide me with an updated copy of my credit report to confirm the correction. 

Failure to uphold FCRA and FDCPA obligations harms consumers and erodes trust in the credit reporting system. I am counting on the CFPBs commitment to consumer protection to ensure these credit bureaus comply with federal standards of accuracy and accountability. 

Thank you for your attention to this matter. I look forward to a prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-07
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. (IL)

Im reaching out for assistance with the false account shown on my credit report. This issue has harmed my reputation as a customer, and I require your help. I want these accounts removed as they are incorrectly and negatively reported.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I contacted Chase by phone about my mortgage payment ( s ) being late due to hurricane Irma in XX/XX/XXXX. I was informed at that time that there was a program that I could participate in that would not penalize me for missing my mortgage payments from XX/XX/XXXX through XX/XX/XXXX. I was told there would not be any late fees or negative impact to my credit as a result of participation in the program. I'm sure there is a recording of this call. I was told that I could apply for a modification to my mortgage, which would include the missed payments. I felt such relief and appreciation. In XX/XX/XXXX I began resuming my mortgage payments and at that time Chase reported my loan 90 days delinquent to credit bureaus! I was mortified considering I was told that this modification would not negatively impact my credit. I believe I was XXXX and now have two or more months of 90 day late payment status on my mortgage I am paying trial payments and feel this account status is not fair to me. If I was aware that this would happen, I would have taken a loan to get the payments in. Chase assured me that everything would be just fine and this would not impact my credit. I was approved for the modification.
Consumer complaint received 2024-11-07
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-11-07
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. (IL)

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 2017-11-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (MS)

Previous complaint numbers XXXX and XXXX against Chase Mortgage, XXXX Office, XXXX XXXX XXXX, XXXX, OH XXXX. The second response states that on XXXX XXXX, XXXX I was approved for a short sale through XXXX XXXX, XXXX ; however neither me nor my realtor were informed of am expiration date adsociated with the approval. This was not communicated to my either of us until after the escalations and complaints. The response also states that on XXXX XXXX, XXXX, my realtor was informed that my file wad being assigned to a specialty team that handles military files. This is a lie. At no point did Chase inform me or my realtor that my file was being assigned to a " specialty team '' of any sort, specifically a team that specializes in assisting the military. With that, why would my file bw assigned to a specialty team AFTER the experiation of the short sale? Chase also failed to follow up with my realtor in a timely manner further contributing to the loss of my buyer. Chase. On numerous occassions, my realtor used XXXX system to request a call back or follow up on corrections that were submitted. This never happened. Instead, Chase mailed letters to my residence in XXXX and subsequently XXXX XXXX. These letters were received 7-10 after an information request. Throughout the duration in this process, Chase did not conduct any inspections on the property ; however, Chase erroneously reported that although vacant, my property was not being maintained and did not have electricity. This happened on several occassions. As a result of this, both my realtor and I had to call Chase to inform them that although the property was vacant, it was maintained with electricity and lawncare. My realtor inquired as to who and when the inspections from Chase occurred since this type of inspection required someone to physically go into the home. To date, Chase has not provided the name or dates of those inspections. As a result of this erroneous information reported by Chase, my home issurer at the time XXXX elected not to renew my homeowners issurance upon expiration. I am still trying to find a local insurance company at this time. The hardships caused by Chase mortgage is indescribable. Because of the military, I have relocated twice since begining this short sale process ; however Chase mortgage refuses to accept any responsible for the hardships caused to me and my family as well as that of a potential XXXX homeowner.
Consumer complaint received 2024-11-07
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. (NC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-07
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. (NY)

Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX
Consumer complaint received 2024-11-07
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. (IL)

I always pay my bills on time, so Im not sure why this company is listing me as late for some months. According to USC 1666b, any errors should be corrected, and my account should be updated to " paid as agreed. ''
Consumer complaint received 2024-11-07
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 a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX - XXXX - XX/XX/XXXX - {$7900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$77000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$22000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$19000.00} XXXX - XXXX - XX/XX/XXXX - {$47000.00} XXXX - XXXX - XX/XX/XXXX - {$7800.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$14000.00} XXXX XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$19000.00} XXXX XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$9100.00} XXXX XXXXXXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$26000.00} XXXX XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$12000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-07
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2017-11-06
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. (OH)

OnXX/XX/XXXX, XXXX performed a hard inquiry that appeared on my Equifax credit report. Equifax will not remove this upon request, as they state this inquiry is a matter of fact. I do not have an account with XXXX, nor was I in contact with them at any point during this time period. This is an unauthorized or fraudulent inquiry. On XX/XX/XXXX, I contacted XXXX to have this removed. I spoke to four representatives on two separate occurrences and was give two answers : First I was told that this inquiry was not done - this is factually and indisputably false. Second, I was told there was nothing they can do to help me, which is a blatant violation of FCRA. Nobody I spoke with can provide any record of this being authorized, so by law it must be removed. I demand that the proper steps be taken to take this unauthorized inquiry off of my records.
Consumer complaint received 2024-11-07
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. (CA)

I am writing to dispute the XXXX XXXX XXXX account listed above. Your company has been reporting inaccurate and incomplete accounts on my consumer report. The Fair Credit Reporting Act ( FCRA ), pursuant 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. Your company is violating 15 U.S.C 1681 and violating the FCRA for not properly verifying the accuracy of accounts listed on above.

15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

XXXX XXXX Transunion, XXXX XXXX XXXX, and XXXX XXXX XXXX, the courts all ruled that the consumer reporting agencies could not just use XXXX XXXX as a proper verification process, furthermore, they must do a reasonable investigation and comply with the FCRA laws. 

Each account that I dispute must be investigated using the procedures from 15 USC 1681 ( a ( ) e ). I request proof showing me you followed these compliance procedures pursuant 15 USC 1681 ( a ) ( e ) .Pursuant 15 U.S. Code 1681a personal interviews must be conducted with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Pursuant 15 USC 1681 s-2 ( a ) ( 1 ) ( a ), I have notified TransUnion numerous times showing the inaccurate items being furnished. My consumer report should be 100 % accurate. The term accurate means free of error. If something is not accurate on my consumer report, I have the write to challenge it and get it removed. 

The date open is reporting different on TransUnion and XXXX. How is this information accurate when it has two different dates the account was opened. 
The date of last activity is also reporting inaccurately on TransUnion and XXXX. 
My payment history is inaccurate. How can I be 60 days late in XX/XX/year>, but my payment was on time in XX/XX/year>.
Consumer complaint received 2024-11-07
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. (NY)

I am contacting you to address several issues I have encountered with my credit report, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, billing errors, and accounts that do not belong to me.
Consumer complaint received 2017-11-06
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. (LA)

My complaint is with Equifax, I received my credit report and noticed some inaccurate information, I immediately called them to have it removed, the rep was rude and incapable of helping me. I wanted to get inquires off and some accounts I was not aware of.
Consumer complaint received 2024-11-07
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. (NC)

I have recently reviewed a copy of my credit report, I was shocked to learn that I have identity theft. I found a credit inquiry added into my report on XX/XX/year> by XXXX XXXXXXXX XXXX that was not authorized by me. Please remove the fraudulent inquiry from my credit report as soon as possible.
Consumer complaint received 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC. (NY)

Robinhood XXXX XXXX Credit Card offer me a card I believe in the month of XXXX with an annual fee of {$50.00}. On XX/XX/year>, just a month after, I was charged the mentioned annual fee. I contacted the company this month because I realized that on top of the annual fee, I was charged a late fee. I told them that I do not signed up to be charged for an annual fee that is in course and that is a deceiving practice that the company is doing. I requested to cancel any membership and account that I have with them I was told that they will be charging me the late fee if I do not pay the balance of {$110.00}, which includes, {$50.00} annual fee, XXXX late fee of {$25.00}, XXXX late fee {$40.00}, XXXX interest charge of {$0.00} and XXXX interest charge of {$1.00}. 
I explained to the representative that why should I pay for an annual fee that is still in course, and late fees for a card I have never used. His response was that even though the account has been closed, I am still responsible for the balance. 

I urge CFPB or any other agency responsible for enforcing transparency and accountability on companies with such a deceptive policy and practices to ensure to comply with fairness to consumers.
Consumer complaint received 2017-11-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANS UNION ISSUES THAT THEY HAD IN XXXX THEY REFUSED TO REMOVE XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX WAS THE ONE THAT REFUSED HE WAS IN XXXX WITH A BAD ACCENT AND VERY BAD CONNECTION
Consumer complaint received 2017-11-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

I have sent numerous correspondence to the Equifax, XXXX XXXX XXXX in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have copies of all my correspondence that were notarized and sent certified  mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.
Consumer complaint received 2024-11-07
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)

The fraudulent entries on my consumer report remain unresolved despite my documented identity theft claims. Your continued reporting of these unauthorized items violates the Fair Credit Reporting Act and identity theft protection laws. 

I demand immediate deletion and blocking of these fraudulent entries within 4 business days.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CITIBANK on XX/XX/2017 which l have no idea about it at all.