davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX Account # XXXX. ** Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account was refinanced and should reflect a history of timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages.

Discrepancies in Payment History TransUnion : Shows incorrect 30-day late payment statuses in XXXX and XX/XX/year>. My records indicate that payments were made on time. 
XXXX and XXXX : No late payments reported ; however, the errors in XXXX reporting affect my creditworthiness across all bureaus. 
Requested Resolution I request that TransUnion conduct a thorough investigation into this matter and remove any inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-11-06
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 contacting you to request the immediate blocking and deletion of fraudulent accounts on my credit report. I am a recent victim of a data breach and identity theft, which has resulted in unauthorized accounts and inquiries being associated with my credit file. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I ask that the following accounts and inquiries be removed from my report XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-28
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. (WI)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2018-08-14
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. (PA)

DISPUTE WITH-XXXX XXXX XXXX XXXX, XXXX. 
*AUTO* I had a XXXX XXXX XXXX and was financed through XXXX XXXX  . 
I had my XXXX for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected. 

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have  been stolen, next i called XXXX and indeed XXXX came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP, LLC (CA)

I called Global Cash Card on XX/XX/2018 to check my balance and noticed my money was not available so i spoke to customer service and was advised of recent transactions in which i did not reconize 2 transactions for the total of XXXX I didnt understand how this was possible as i have the card in my possesion and I do not give out my pin #. The customer serive rep took a report and said someone will contact me. I recieved a letter onXX/XX/2018 from the dispute dept stating no error found. I called customer service once again and was advised to write a letter asking for records as to why or how tjey found no error so i did I recieved a response on XX/XX/2018 stating they finalized thier investigation and no error was found so once again i called customer service and was told there is nothing they can do the complaint was finalized.
Consumer complaint received 2018-08-14
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. (IL)

On three separate occasions, I contacted the credit reporting agency Equifax and informed them of two fraudulent student loan accounts that were being listed on my credit file. I sent a 605b block request via certified mail on XX/XX/2018, XX/XX/2018 and XX/XX/2018 with supporting documents such as my DL, XXXX, FTC fraud affidavit and the specific accounts that were being reported. 
Equifax failed to comply with the FCRA 605b provision on all occasions by not responding to my letter within four days on what actions they would be taking on the fraudulent accounts. Both XXXX and XXXX complied and blocked the fraudulent student loan accounts on my credit reports within 48 hours. The same information was provided to Equifax and no appropriate response was given. 
When reaching out to customer service and speaking with account supervisors, none of them have any knowledge on a 605b request and ask me " what that is, '' but acknowledge receiving my documents. They offer to send the documents to the account providers for their review and a 30 day response window. This is in direct contradiction to the establishment of the FCRA 605 ( b ) provision and has cost me denials of credit and higher interest rates on products being offered.
Consumer complaint received 2024-11-06
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 filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to the credit bureaus repeated failure to resolve inaccuracies on my credit report, despite multiple disputes filed between XXXX and the present. I have formally disputed at least four times, requesting that the credit bureau provide proper verification of certain items. However, these debts consistently come back as validated or verified without any supporting documentation, which directly contradicts Fair Credit Reporting Act ( FCRA ) requirements. These unresolved inaccuracies continue to harm my creditworthiness and financial stability. 

Details of the Complaint XXXX. Throughout each dispute, I have requested that the credit bureau provide clear documentation or proof of verification for the listed debts. Instead, the credit bureau has responded with a generic statement of validation, without indicating any meaningful attempt to contact the original creditors or reliable sources as required under the FCRA. This lack of documentation suggests either a failure or misrepresentation in contacting the data furnishers, and it demonstrates a failure to conduct a reasonable investigation. The bureaus response does not meet the standard of a thorough or fair inquiry into the accuracy of the reported information, as mandated by law 2. Incorrect Bankruptcy Reporting Of particular concern are two inaccurately listed bankruptcy entries, supposedly filed in XX/XX/XXXX and XX/XX/XXXX. I have submitted documentation proving that neither the XXXX XXXX XXXX nor XXXX any other known entity authorized to provide such informationverified these bankruptcies. Because these entities either do not report such information directly to credit bureaus or have denied the existence of these records, there is no possible way the credit bureau could have legally or accurately verified these entries. Without a valid, authorized source to substantiate them, the continued reporting of these bankruptcies as verified not only misrepresents the facts but also constitutes a failure to conduct a reasonable investigation, as mandated by the Fair Credit Reporting Act ( FCRA ). This baseless reporting has caused significant, ongoing harm to my credit profile, jeopardizing my financial standing and access to credit. I urge the CFPB to investigate this issue seriously, as the credit bureaus actions reflect a disregard for both accuracy and legal standards in credit reporting. 

Other Disputed Accounts The following items remain unresolved despite multiple disputes and the lack of proper verification : XXXX XXXX XXXX : Incorrectly reported as an account with XXXX allegedly opened in XX/XX/XXXX. No documentation has been provided to validate this entry. 

XXXX XXXX : Beyond the statute of limitations for reporting, as noted in previous disputes, but still listed inaccurately.
Consumer complaint received 2018-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent these credit agencies paperwork several times proving that I am making timely payments with my account, a credit card, with XXXX XXXX XXXX XXXX. I have sent them a signed notice from there own lawyer, stating that I am making timely payments, in the amount of $ XXXX month, and the balance is now only {$18000.00}. However, after several times challenging this continues to report inaccurate information. They continue to report this as a " charge off '' which is hurting my credit report and has caused me to not be able to qualify for a mortgage. 

****In addition, each time I dispute this account, they practice the illegal practice of " re-aging '' the account ''. In effect, my clock for the 7.5 years starts over, and I get a email or alert with a negative mark and it states I have a charge off, that hurts my credit. For instance, this fresh charge off is now updated as of todays date, the most recent dispute closure. 

*****Please stop these illegal practices and delete this XXXX XXXX XXXX XXXX entry from my credit report all together since you are reporting incorrect information.
Consumer complaint received 2024-10-10
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: CITIZENS FINANCIAL GROUP, INC. (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2018-08-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

i have over XXXX in credit cards and i have no need to apply for more credit card but i see on my credit that i have over 25 credit inquiry which 90 % of them i have no knowledge off. Due o inaccuracy on my credit file i has led o some of my credit cards being closed because lenders considered me as high risk that i am seeking too many credit which i am only using 3 % of what i have right now.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2017-10-09
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

My student loan, handled by Navient, was eligible for deferment as I am still in school ; the loan was in deferment while I took courses at my local XXXX college, but was abruptly ended when I was entering my 2nd year. I attempted to dispute this, as I should still be eligible for deferment ( my enrollment status never went below half ). The previous term, my deferment status was re-established, but not before I was given a monthly payment charge on my account ( on XX/XX/XXXX, for {$52.00} ). 

It appears that this month ( XX/XX/XXXX ), they will attempt to do the same thing again with the same amount ( as I am without a job, I have no money with which to pay my previous " late '' charge and upcoming charge, as I have told the company representative who called me through the unlisted number ). My enrollment information is collected through XXXX XXXX XXXX and the National Student Loan Data System. While I am not privy to the information on the XXXX XXXX site, I can see that my enrollment status for this quarter ( on the NSLDS ) is Full-Time, but my emails and my responses to their calls have shown no action on their part that shows recognition of my eligibility for deferment. I thought at first that I was no longer eligible for deferment, but according to their site, I should still be eligible. 

The main problem I have with all of this is this sentence at the bottom of their page regarding in school deferment requests : " Note that it can take up to 21 days to display your account in a deferred status. However, you wont incur any penalties as a result of this delay. '' As I know my enrollment information is available to them ( through at least one source ), I feel that it is very fishy that they would remove my deferment status, let a charge through, and then reinstate it just to remove it again during the same quarter where I am registered as full time. 

The phone number they have used to contact me with ( XXXX ) XXXX, is not listed on their site ( multiple people online have confirmed it as one they use for debt collection contact ). While I have no recording confirming this as fact, they asked for my social security number ( most likely for identification purposes ), and then asked if I could pay my debt over the phone, offering credit and debit cards as an option. However, besides the dubiousness of offering my credit/debit card information to someone over the phone, I am required ( on the Navient site ) to give my bank account in order to pay my debt ( give them checking/routing numbers, etc. ) and after looking online, found that apparently Navient only takes payments through cards over the phone.
Consumer complaint received 2017-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (WA)

My student loan is through Great Lakes. I had been struggling with making payments. Last month I used their online repayment program explorer. I selected " explore my repayment options ''. It clearly states that for a payment of {$520.00} I would have the loan paid off within 70 months. I called to set this up and was then told that it would be payment of {$850.00} a month if I wanted to pay it off in 70 months. I explained I was looking at my account and it clearly stated {$520.00}. I was told this was not accurate. I have since then looked at my account to explore repayment options and it still states this amount. I have attached screenshots from my account.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (PA)

The bank credit card company paid a bill from XX/XX/XXXX from an account that I had previously closed. The company 's customer reps who I talked with by phone said they could not understand why the bill was paid because the account had been previously closed. A customer rep in the XXXX XXXX in person found that the account was closed in XX/XX/XXXX. My XXXX XXXX credit report shows that the account was closed in XXXX of XXXX. On XX/XX/XXXX, I wrote to the bank credit card address given on the credit card statement that my account being changed had been previously closed. To date ( XX/XX/XXXX ) I have not received any explanation -- though as a result of my in-person meeting with the bank rep, they notified me in a letter dated XX/XX/XXXX, XXXX that they had opened a claim that I was disputing the vendor 's charge ( which was not my complaint ). I have also received my XXXX statement which has a {$25.00} late fee attached! I do not mind paying the bill ( minus the late fee ) if I get an assurance from the company that no further charges on the closed account will be billed to me.
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NV)

On XX/XX/2018, I received a letter from XXXX XXXX stating that I owed a debt from XXXX XXXX in the amount of { {$640.00} }.  XXXX XXXX agrees to settle the debt on XXXX XXXX behalf for {$540.00} in three payments on the following dates XX/XX/2018,XX/XX/2018XX/XX/2018. On XX/XX/2018, I completed the debt as agreed. XXXX XXXX stated they would contact all three credit bureau to update my credit and they would send a letter/notification to XXXX XXXX that the debt has been settled. I call XXXX XXXX to follow-up informing them it has been more than 30 days since this debt has been paid, and they have not sent the correct information to XXXX XXXX nor have they updated the three credit bureaus. XXXX XXXX is clearly in violation of the law by reporting incorrect information to the credit bureau. This debt should not be collectible, as I have completed the agreement of the settlement. I have called XXXX XXXX numerous times speaking with supervisors who have stated they would send a letter to XXXX XXXX, myself and also update the three credit bureaus, which they have fail to do. This company continues to hold my credit hostage and to violate the law.