davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had 1 late payment 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 have attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year>. This is a clear inaccuracy on my credit report. Im now requesting you investigate this account and update this payment to Paid on time immediately.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Over the last several months I have made numerous efforts to get information corrected on my credit reports. I have contacted both the creditor and the credit bureaus and they have refused to property investigate, update, and send a method of verification to specifically tell me how the information was verified per my right and request. XXXX XXXX responded to my complaint as being actual and correct with the actual contract. In that contract it shows that the total amount of my payments were {$21000.00} but yet are reporting my high credit as different and a lower number to the credit bureaus. Additionally XXXX XXXX stated that they have consistently reported the same information to all 3 credit bureaus. Not only has XXXX XXXX been inconsistent in reporting my payment history correctly they have changed some positive some negative history between all 3 credit bureaus multiple times. The last payment on the XXXX account is reporting 30 days late. I had bought a new vehicle and the new bank XXXX paid off the account. It was my understanding that XXXX would have had the payment in before it was 30 days late and was not a fault of mine if is was received late. My payments had been on time as reported and I asked XXXX XXXX as a good faith effort to either not report that month or show as paid on time and they refused. The errors, inconsistency, failure to properly investigate, send me a specific method of verification as requested is not only hurting my credit, score, it is a direct willingness to violate my rights under FCRA. I have attached proof of my complaints for your review. I demand this be corrected at all 3credit bureaus within 15 days for the date of this complaint. Updated credit reports sent to my mailing address will be expected.
Consumer complaint received 2018-10-18
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. (IA)

In XX/XX/XXXX I cosigned a loan with XXXX XXXX XXXX in XXXX XXXX Iowa. The Loan was extended in XX/XX/XXXX and my mother defaulted on the payments. At that point I recvied no contact either by phone or mail from them. They garnished wages from my mother and I was never notified of any issues with payments. They said they mailed information but I never recvied it. Nor, did I recieve a call. 

On XX/XX/XXXX I spoke with XXXX at the office. She even stated that it was completly mishandeled and wanted to do something to help me. I called and spoke with an office manager named XXXX who was not helpful at all and basically said oh well and it was my responsibility, not thiers to keep up on it.
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CT)

I cut a check for a vendor by using my on line Chase Bank Business checking payment. The moment I wrote the check out, Chase Bank removed the money from my bank account. Chase Banks ' check for the vednor had the correct. The vendor waited everyday for the check to arrive. The Chase Bank Check never arrived. Now I am forced to pay an interested on the late money and pay the full amount of the check. The money is somewhere in The Chase Bank. When I contacted Chase to address this problem. I was advised to cancel the so check and that the money would be put back into my Chase Bank Business account. When I called Chase Bank an unprofessional woman and rough women spoke to me on the phone. The unprofessional and rough Chase Bank Representative informed, that in now way was Chase Bank, responsible to pay the late fee and that I would have to wait at 5 day before Chase put the money back into my account. When I called another person at Chase Bank regarding this issue he told me that Chase would pay the late fee and the money would be back in my account within 24 hours. 
At this point, Chase Bank has still not put my money back in my Chase Bank account. I am responsible for the payment to the vendor and a late fee.
Consumer complaint received 2024-09-06
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 file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX CARD XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} ACCOUNT NAME : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally dispute the inaccurate late payment entries reported on my credit profile associated with my account with XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors must ensure the accuracy of the information they report to credit bureaus. I have maintained a consistent payment history and have never been late on any payments. 

Despite my request for documentation to validate these late payment claims, I have not received any evidence supporting this assertion. Under 15 U.S.C. 1681i, I have the right to dispute information in my credit report and request that you investigate the accuracy of the reported late payments. Without sufficient documentation proving that I was late, you are obligated to correct my credit report and remove any inaccuracies. 

I urge you to review my account and the reported late payment entries. If you can not provide the necessary documentation to validate the claims of late payments, I request that you correct my credit profile by removing these inaccuracies promptly. 


Thank you for your attention to this matter. I look forward to your prompt resolution.
Consumer complaint received 2023-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX XXXX, XXXX {$5.00} XX/XX/2023 XXXX XXXX XXXX {$64.00} XX/XX/2023 XXXX XXXX {$190.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( ie : an original consumer contract with my signature on it ) that you have on file for the account listed above. or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/2018 i contacted transunion and i was told that i am locked out of my report for life i will never be able to get into my report online please fix this i have been dealing with this for a long time because someone took my id after i got out of the XXXX and was on XXXX XXXX  for a long time and now i am paying the price for this over and over again
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Employer - XXXX XXXX Employer - XXXX XXXX  XXXX Employer - XXXX
Consumer complaint received 2021-03-11
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: T.S. Holdings (AZ)

On XX/XX/2021 I was reviewing my credit report and noticed that there had been a collection reported on my credit report in error. IQ Data International XXXX in the amount of {$310.00} Added a derogatory mark on my Credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. 
Also there was NO written form of communication, contract or signature for this accused debt AT ALL. A bill without a written signature does not validate the debt and anybody can send a bill and say that it is mine. According to FCRA, IQ Data International has violated my rights as a consumer and I am requesting legal action to remove/delete this account immediately.
Consumer complaint received 2021-04-28
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. (AZ)

I am trying to purchase a new home in the next 6 months and upon checking my credit profile in all the bureaus, I was alarmed by multiple accounts that I never authorized. On XX/XX/2021 I filed a police report with my local police agency as well as filed an id theft affidavit with the all the accounts and account numbers listed. I was instructed to send those documents along with a brief statement and copy of my photo id to all three credit bureaus. That was done onXX/XX/2021.From that request only two of the accounts were removed and the rest were left on my reports. I am a victim here and I am not getting help from the bureaus where the fraud is still showing on my consumer reports. Please help!!
Consumer complaint received 2021-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently pulled my credit reports and found several unknown personal information and addresses. I even have multiple accounts with inaccurate information. Or companies I have never done business with. 
these items listed below need to be removed XXXX XXXX XXXX 2 ACCOUNTS XXXX XXXX 4 ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX WHO I AM IN A SETTLE AGGREMENT WITH FOR XXXX THAT AMOUNT SHOULDN BE XXXX FOR THE CAR. 
THIS IS LISTD ON TRANS UNION AND XXXX I WAS UNABLE TO GET XXXX
Consumer complaint received 2018-10-18
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: Experian Information Solutions Inc. (MS)

Affidavits Attached XXXX XXXX v. Experian Information Solutions, the judge through that case ruled that the court can not just rely on computer generated documentation, instead the court has to do an investigation. Upon contacting XXXX XXXX, Experian, and XXXX, and XXXX  in reference to an unverified bankruptcy reporting on my credit reports that they maintain under my social security, noting that XXXX XXXX had an inaccurate social security number reporting. 

Looking into my XXXX report, on it's website ( XXXX XXXX XXXX ) it listed XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX ( XXXX XXXX '' ) as a provider of the bankruptcy information to XXXX. FCRA Section 611 ( a ) ( 2 ) requires XXXX and XXXX XXXX to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX and XXXX report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.
Consumer complaint received 2018-10-15
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc. (AL)

XXXX XXXX is the company claiming debt owed in the amount of {$520.00} opened XX/XX/2016. This company is in receipt of notice under the authority of the Fair Debt Collections Practices Act regarding the above referenced debt collectors of the alleged debt be disputed immediately.
Consumer complaint received 2021-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ADIR INTERNATIONAL LLC (CA)

I am being charged for a bill collected from La Curacao that was paid off. XXXX XXXX XXXX claims that i never paid off the bill, which I did. My current balance is of {$590.00}. I live off Social Security not making more than XXXX. La Curacao store attempted to take advantage of people by giving them high prices and interest rates. I called XXXX XXXX to provide me with a receipt or statement that shows what i owe. They stated that they send it to La Curacoa. Why should i pay off something i never used? Account number is XXXX. Amount supposedly owe is {$590.00}. 

Phone number XXXX
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I applied for a job at a car dealership. They wanted to me to get a background check, so I went in and applied for one. The background check company called me back and told me that a XXXX man in Idaho is using my social security number. When I tried to correct the situation and put my information in for a credit report. Its coming up that Im invalid.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Last billing statement for account was XX/XX/2018, and account was closed by XXXX XXXX XXXX after card was reported as lost. A new card was issued and the old card was supposed to have been closed and reported as closed to all 3 credit bureaus. Instead, the new account is appears, as is the old account that was closed. I have filed several disputes with all 3 credit bureaus and the company itself to update the computer systems and the credit bureau reports but it still shows both cards and balances owed. Likewise, XXXX XXXX XXXX, each month, continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Experience refuses to put the correct employer. 
They are putting XXXX XXXX XXXX XXXX XXXXXXXX, XXXX instead of XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

Chime online banking closed my account on XX/XX/2021 the amount in my account was XXXX, and I never received the funds back. 
My name is XXXX XXXX XXXX Mailing address XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX
Consumer complaint received 2023-04-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (IL)

I did not realize that this loan company was operating illegally in the state, they are charging an interest rate of 539 %. Which is extremely higher than the rate that is allowed in the state. I have reached out to them to have them consider my account settled for the many payments I have already made. They have not responded as of yet.
Consumer complaint received 2021-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I like to file a dispute for unidentified fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2019-12-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I was never 30/60/90 days late on ( XXXX, XXXX, XXXX, XXXX OF XXXX on this ( JPMCB AUTO ) account. I have made my payment on time and contacted the creditor for a review they were unable to provide with any proof that I was late. If this negative 30/60/90 days late does not get removed from my credit bureau and update to current, my next step of action would be to publish this to ( cfpb ) Consumer Financial Protection Bureau and file a complaint to ( XXXX  ) XXXX XXXX XXXX. Below you will find the attached copy of the 30/60/90 days late and the creditors contact information.