davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-21
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. (PR)

The following are UNATHORIZED inquiries in my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-21
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)

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 2024-11-20
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)

My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2024-11-20
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. (MD)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-11-21
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. (NY)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested.
Consumer complaint received 2024-11-23
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)

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 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I called XXXX XXXX XXXX and spoke to the Fraud Department about my consumer profile and put them on notice of the information that arose out of identity theft and let them know that the information needs to be deleted from my consumer profile and to send me an updated copy of my consumer report with the correct information...

I let them know I only have one name, one address, and one phone number ; and I also provided The correct information to them and they continue to report this inaccurate information on my consumer profile... 

I told XXXX that they're violating my consumer rights which is against the law and is up to {$1000.00} per violation plus actual damages they continued to violate me by sending frivolous correspondence in the mail which by the way is mail fraud because I believe ignorance of the law is no excuse when XXXX is not taking proper precaution to make sure that XXXX is reporting 100 % accurate information
Consumer complaint received 2024-11-21
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. (FL)

I noticed several discrepancies in the reporting of an account on my credit report across all three credit bureaus ( TransUnion, XXXX, and XXXX ). the details are inconsistent between the bureaus. Specifically : The last activity date is reported differently across the bureaus : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These dates should be consistent as they represent the last interaction with the account. 
The account closure descriptions vary : TransUnion : " Charged off as bad debt. Account closed due to transfer of balance. '' XXXX : " Account closed due to transfer. Amount balance reported as a loss by credit grantor. '' XXXX : " Charged off account. Account transferred or sold. '' These descriptions create confusion about the actual status of the account and whether it was transferred, sold, or resolved. 
The payment history for this account shows a " Charged Off '' status ( CO ) for multiple months, which I believe is inaccurate because the account was closed. If this account was resolved, this history unfairly reflects negatively on my credit report.

The reported balance owed is {$0.00} across all bureaus, but the status remains " Charged Off. '' If the account has been settled or resolved, this status should reflect " Paid '' or " Settled. '' The term length is reported as 31 months, but it is unclear if this reflects the original terms of the agreement or if there was a modification.

These inconsistencies are misleading, harmful to my credit score, and do not reflect the accurate status of the account.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-20
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 an 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 2024-11-20
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. (WA)

I am writing to formally request the blocking and deletion of the following accounts from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my authorization. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), fraudulent items must be blocked from appearing on my credit report. 
Fraudulent Accounts : U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$5500.00} U S DEPT OF EDXXXX - XXXX XXXX XX/XX/XXXX XXXX {$410.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX XXXX {$850.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXXXXXX  - {$2400.00} DPT EDXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} DPT EDXXXX - XXXX - XX/XX/XXXX - {$0.00} DEPT OF ED/XXXX  - XXXX - XX/XX/XXXX - {$0.00} DEPT OF ED/XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$150.00}
Consumer complaint received 2024-11-21
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 recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.
Consumer complaint received 2024-11-21
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2024-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This account was previously removed from all three credit bureaus due to fraud, but a new third-party creditor has acquired it from XXXX XXXX XXXX XXXX and reinstated it on my credit report. I have requested a debt validation letter from them, which has gone unanswered. The account is closed, and XXXX XXXX has claimed insurance on it. Neither XXXX XXXX XXXX nor XXXX XXXX XXXX is legally entitled to collect on this account. XXXX XXXX XXXX XXXX XXXXXXXX I have also attached a copy of the validation letter sent to this company on XXXX.
Consumer complaint received 2024-08-30
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-26
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. (TX)

I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, 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 XXXX  days since I filed a complaint with these XXXX, 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 2024-08-26
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. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2015-10-21
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Neon Newco Corporation (NV)

My netspend debit card got unauthorized transactions for a hotel in XXXX which I do not have passport nor purchased a plane ticket..I had charges from XXXX XXXX.XXXX XXXX.i called the police as it was happening be they did not have a 24th our hot line called in the morning had card blocked was told charges was pending an they allowed the transaction to go thru days later after having my card blocked..I 've called several times an told different things an hung up on ... I am very upset I have bills do an need food for my children ... Please send a fax so I can fax documents
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$170.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint against Experian regarding their handling of my credit report and score. For over 45 days, I have attempted to obtain my credit report and score from Experian, but my efforts have been unsuccessful. This issue has caused significant stress and frustration, as Experian 's control over my financial information has severely impacted my financial well-being.

Despite numerous attempts, I have been unable to pull my credit score. Additionally, there is a statement on my credit report that I have repeatedly requested Experian to remove, but they have failed to take any action. This incorrect information is affecting my creditworthiness, and I am deeply concerned about the lack of response from Experian.

I have spent countless hours on the phone trying to resolve this issue, but it has been nearly impossible to get in contact with a human representative. On the rare occasions when I have managed to speak with someone, they have been unhelpful, often speaking in circles and making promises to correct the problem that they never follow through on. The lack of accountability and transparency from Experian is alarming, and no company should have this much control over a consumer 's financial life.

I am requesting that the CFPB intervene and assist in resolving this matter. It is critical that Experian provides me with [ RESTORE ] access to my credit report and score, [ REMOVE ] the incorrect statement, and ensures that I can communicate with a representative who can effectively address my concerns.

Thank you for your attention to this matter.
Consumer complaint received 2024-10-22
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: NAVY FEDERAL CREDIT UNION (OH)

Dear CFPB, I am writing to report that I am a victim of identity fraud. The following accounts were fraudulently opened in my name without my authorization : XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Additionally, the address XXXX XXXX XXXX was fraudulently associated with my identity and does not belong to me. I did not consent to the use of this address or the creation of the above accounts. I kindly request an investigation into this matter and assistance in resolving the fraudulent activity. Please let me know if you need further information or documentation to support my case. Thank you for your prompt attention to this matter
Consumer complaint received 2024-11-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (TX)

This is an invalid vehicle loan. The contract was in complete, and, as a result the vehicle was returned to XXXX Hyundai on XX/XX/XXXX around XXXX PM and surrendered to XXXX XXXX XXXX I disputed with the credit bureaus that this account was invalid and Hyundai did not remove the account from my credit report and is still trying to collect on an invalid account. I called Hyundai Motor Finance on XX/XX/XXXX @ XXXX PM XXXX and explained the situation to the representative, XXXX, employee ID XXXX. He said that he had escalated my concerns to " XXXX XXXX '' and I would have a response within 3 business days. I called back today, XX/XX/XXXX and a lady put me on hold for approximately 20 minutes at which point I was disconnected. I am now looking to the CFPB to assist in getting this matter resolved. This is NOT a valid loan, there was no valid contract, the dealer has been in possession of the vehicle for over a month at this point and has refunded my down payment and returned the vehicle I originally traded in to them. This account is now falsely showing past due and I would like it removed before I have incorrect negative credit reporting to deal with on top of everything else.
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

I have been trying DESPERATELY to obtain a mortgage modificationfrom BSI / XXXX XXXX XXXX, I have been LIED to misled, treated rudely, and continueously misinformed about the process needed to save myhome. I have hired a consultant to help me thru this process and theyhave received the same treatment, I was made to use my 2 two weekextensions to try to make it thru this process but this company hasfought me every step of the way, I am asking you PLEASE for someassistance in this matter My family and I are at our wits end, if you re-view this matter I am confident that you will see that this process hasbeen TOTALLY Flawed, My home is due to go to sheriff sale XX/XX/2015 and we ask that this receive your immediate Attention
Consumer complaint received 2015-07-08
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK (WA)

Explanation of complaint : I want to file a case of discrimination against dicover card. 
I made an application to Discover card. but was decline, the reason was " no credit record available. " how can you prove you are worthy of credit when they decline an application on first time. 
thanks a lot, mtan