davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
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 accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-18
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-18
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. (VA)

I've tried repeatedly to resolve fraudulent inquiries on my consumer report. These aren't mine and I'm not responsible for them. They're causing me serious stress and financial harm. As an identity theft victim, I may take legal action if this isn't fixed. These false items have stopped me from buying my dream house and supporting my family. My finances have suffered greatly. I've attached my previous FTC letter about this issue.
Consumer complaint received 2024-10-18
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. (VA)

Hi, there are items on my credit report that have resulted from fraud to which I never benefitted from. These have been previously deleted but the items keep coming back, I have reported them to the federal trade commission but they are not removed from my report.
Consumer complaint received 2024-10-18
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 have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit report states that I have a missed payment in XXXX. That is incorrect. Payment History states that I paid on XX/XX/XXXX, an Extension Tax in the amount of {$75.00} ( because I extended my lease ) and made a bulk payment of {$570.00}. 

XXXX. I sent two ( 2 ) letters to the above address describing an issue with auto-payment because I was advised by a XXXX Representative to do so. 

XXXX. XXXX never responded to my letters, with my 2nd letter dated XX/XX/XXXXXXXX. 

XXXX. My loan has matured and XXXX expects me to either to buy or re-lease a vehicle. However, it seems that XXXX is tanking my credit score in order to negotiate on better terms or prevent me from leasing from a competitor. 

XXXX. My payment history was 100 % timely since I started leasing from them in XXXX. 

XXXX. I request that all months are marked as CURRENT and any derogatory remark removed from my credit report.
Consumer complaint received 2024-10-19
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. (MI)

I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, TransUnion, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXXXXXX As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the XXXXXXXX XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CULLEN/FROST BANKERS, INC. (AZ)

XXXX SENT ME AN ACCOUNT REFUND CHECK. 

I DEPOSITED THE CHECK ELECTRONICALLY WITH FROST BANK ON XX/XX/XXXX, AND IT SHOWED UP AS A DEPOSIT IN MY CHECKING ACCOUNT ON THAT DATE. 

ON XX/XX/XXXX, FROST " RETURNED '' THE CHECK ( DEBITING MY CHECKING ACCOUNT ) WITH NO REASON GIVEN. 

I SPOKE WITH FROST AND ASKED WHY AND THEY STATED THAT THE PICTURE OF MY CHECK WAS UNREADABLE IN THEIR SYSTEM AND SO THEY CANCELLED THE DEPOSIT AND DEBITED MY ACCOUNT FOR THE SAME AMOUNT ( {$1400.00}, XXXX ). 
NORMALLY WITH THE FROST SYSTEM, IF A CHECK PICTURE IS UNREADABLE, THEY GIVE YOU THAT NOTICE AT THE SAME TIME AND ADVISE YOU TO REDEPOSIT THE SAME CHECK AND WRITE " REDEPOSIT '' ON THE BACK OF THE CHECK AND TRY AGAIN, AND, SO I COMPLIED AND DID WHAT THEY ASKED ME TO DO, TWICE, IN CASE THEIR SYSTEM SCREWED UP AGAIN BUT BOTH ATTEMPTS SHOWED UP IN MY ACCOUNT AS " DUPLICATES '' AND SO BOTH " REDEPOSIT '' ATTEMPTS FAILED. 
I SPOKE WITH A FROST ADVISOR, XXXX, WHO ADVISED ME THAT I HAD TO SEND THE CHECK SNAIL-MAIL TO FROST 'S XXXX BANK-BY-MAIL DEPARTMENT '' IN XXXX XXXX, TEXAS WHICH I DID ON XX/XX/XXXX, BUT, BEING IN XXXX DURING XXXX, IT WOULD NOT GO OUT UNTIL XX/XX/XXXX. 
ON XX/XX/XXXX, I CALLED XXXX TO TRY AND GET THE CHECK CANCELLED AND HAVE A NEW CHECK REISSUED, BUT THEY STATED THAT MY ACCOUNT WAS CLOSED AND THEY COULD NOT DO THAT. BUT THEY DID SAY THAT THE CHECK HAD BEEN PROCESSED ON THEIR END ANYWAY. 
I RECONTACTED FROST AND THEY STATED THAT THEY HAD RETURNED THE CHECK AMOUNT TO XXXX AND NOTHING FURTHER COULD BE DONE. 
SO I AM CONTACTING YOU IN CASE SOMEONE WITH AN OPERATING MIND CAN FIX THESE CODING PROBLEMS AT FROST AND XXXX. BOTH FROST AND XXXX HAVE SO THAT THEIR SYSTEMS CAN NOT HANDLE A SLIGHTLY MORE COMPLICATED, SINGLE OPERATION. 
FROST APP DID READ AND DEPOSIT THE CHECK INITIALLY, BUT SOMEHOW FOUND SOME ERROR LATER INSTEAD OF THEN AND THERE, SO THAT THEY " RETURNED '' THE CHECK AND DEBITED MY CHECKING ACCOUNT. 

WELCOME TO THE 21st CENTURY WHERE THE BANKING SYSTEMS ( BOTH ) CAN NOT EVEN SIMPLY DEPOSIT A SINGLE CHECK. 


HELP!!!!!!!!!!!!!
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

-XXXX  XXXX XXXX has violated my rights. 

XXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXX  XXXX has violated my rights. 

-XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

-XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (OH)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/19 Balance : {$10000.00}
Consumer complaint received 2024-10-18
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. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Mistakes have been identified on my credit report regarding 15 USC 16c-2. The inquiries listed were not authorized by me, damaging my credit. Please remove all unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-10-18
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. (AZ)

RE : Trafficking Block Request To Whom It May Concern, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

There are late payments reporting on an account on my consumer report that are inaccurate and i would like them to be updated to current. Below that ive attached a direct email from the company of these late payments being update back in may and they are still reporting on my report.

Account Name : XXXX XXXX
Consumer complaint received 2024-10-18
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 previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I recently have been working with all credit bureaus to update my information. My information was updated and all names and addresses were removed to reflect one name and current address. However recently Experian, XXXX, and XXXX have put many names and addresses as reporting onto my credit reports. This is a direct violation of the Fair Credit Reporting Act. Under section 609 of the Fair Credit Reporting Act ( FCRA ), federal law protects consumers from unfair credit and collection practices. My credit report has inaccurate information on because of the credit bureaus inaccurate reporting. It is negatively affecting my finances. This inaccurate information should not be on my credit report. 
If continues to happen these are willful violations and namely actual damages by the top 3 credit bureaus.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

On XX/XX/XXXX I received information that a " missed payment '' was reported to the bureaus for the month of XXXX. 

The payment was made on XXXX. In XX/XX/XXXX I was charged a late fee for XXXX payment. 

This is correct. Each payment after has been on the XXXX, or XXXX of the month. XXXX was made early. 

The reporting is inaccurate. The balance " DUE NOW '' has been the same since XX/XX/XXXX, with no missed payment reports to the bureaus. 

XXXX was not missed but paid earlier.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been trying to get a {$500.00} check from Capital One for 3 months and they keep giving me the runaround. 

In early XX/XX/, I cancelled my Capital One Venture Card. On or about XXXX XXXX XXXX, I was issued a refund of {$500.00} from XXXX that was reflected in the account on or about XX/XX/2023. After speaking with a representative that month, I was told a check would be issued in a couple weeks. I confirmed during the call that the check would be sent to my correct address in XXXX XXXX, CA. After waiting 4 weeks, I called back as I did not receive anything in the mail. I was told the previous check would be voided and that I would receive another check. The representative confirmed that both the prior check and the new check had my correct address. In late XXXX, I went to my old address in XXXX, CA and saw that Capital One had misinformed me and sent the {$500.00} check to the incorrect address. Unfortunately, this check was already voided and I could not deposit it. On or about XXXX XXXX XXXX, I called and indicated that I had not received anything in the mail. I was told that another check would be issued to my correct address and it would take 15 business days. I asked why the check couldn't just be direct deposited or sent over night and they said the representative said they couldn't do that. I called back on XX/XX/ as I still had not received a check in the mail and was told that 15 business days would be on Friday, XXXX XXXX XXXX I called back on Saturday, XX/XX/ as I still had not received the check in the mail and was told 15 business days would be Monday, XX/XX/2023. I called back on Wednesday, XX/XX/2023, as I still had not received a check in the mail and was told the check was issued on XX/XX/2023 and to keep waiting. It is now XX/XX/2023. I have waited 3 months to be reimbursed and have been lied to or misinformed. This is not an issue where the mail is delayed as I have never received a check from Capital One at this address in 3 months. At this point, they have committed theft. Please help me get my money back. Thank you.