davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out to file a complaint on XXXX, XXXX and TransUnion about an item on my consumer report that, by law, should not be reported. These institutions are currently reporting an item, and I would like to address it. On XX/XX/XXXX, these companies reported a transaction as late. Per 15 USC 1681a, the law states ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report.

This means that my transactions or experiences with your company are excluded by law from my consumer report. I am requesting that this transaction or experience be deleted. By law, it is not required to report late payments and I am asking that TransUnion, XXXX and XXXX cite the specific law that requires them to report a transaction as a late payment. 

The only potential law that addresses late payments is **15 U.S. Code 1666b - Timing of Payments : ** ( 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 to ensure that each periodic statement, including the information required by **Section 1637 ( b ) ** of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. 

I am requesting that XXXX, XXXX and TransUnion provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637 ( b ). If they are unable to provide that information, this is a violation per the FCRA. 

Furthermore, I have attached documentation from XXXX XXXX confirming that they have sent a letter to the three bureaus to update the 30 days late payment on XX/XX/XXXX. They did not remove this late payment and update the payment history to reflect paid on time. I have attached the letter as well as an identification affidavit, drivers license, social security card and a utility bill in which all were mailed. 

I am formally requesting the deletion of all transactions marked as late on my consumer reports.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Credit and Collections Inc. (NH)

I signed my daughter up for acting classes through XXXX XXXX and the agreement was we only paid for what she classes she took and it was paid ahead of time. It was said it will never show on my credit. There would be no surprise bills because you pay ahead and payment stops if you stop. After we stopped the classes I had a collections show up on my credit for XXXX dollars and after multiple disputes it now says XXXX I owe in collections but I do not owe anything at all and Its not the terms I agreed to. They refuse to take it off my credit and have ignored my requests and explaining what I agreed to. Theyre rude and unprofessional and Im highly dissatisfied.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-14
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year>, I checked my TransUnion and XXXX credit reports and noticed inaccurate unlawful and unverified late payments from XXXXXXXX XXXX XXXX 15 USC 1666 ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Is being violated no notice was given and all payments were made. I have attached receipts from both companies.
Consumer complaint received 2024-10-13
Product: Credit reporting 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. (FL)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials a needs to be reviewed a deleted asap. None of the accounts are following the FCRA guidelines. Please review a remove the listed accounts asap to clear my credit file.
Consumer complaint received 2024-10-10
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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group, helping me due to XXXX XXXX, debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within 4 business days pursant to Section 605c, of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted! Company information : TransUnion Please delete all following accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Consumer Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX Equifax XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many incorrect inaccurate accounts These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-13
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. (TX)

I looked at my report back on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. This account " XXXX XXXX  open date is not correct, this account is not accurate. This account " XXXX XXXX XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. This account XXXX XXXX XXXX  open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate This account XXXX XXXX XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. I sent a letter via certified mail on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX asking them to reinvestigate the accounts in question. I got the investigation back and NOTHING was modified. So I requested a description of the reinvestigation and they did NOT provide me which is a violation of 15 USC 1681i ( 7 ), They also violated 15 USC 1681a, 5.
Consumer complaint received 2024-10-13
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. (DE)

I called several times during the month of XXXX to ask what my options were for assistance or forbearance, as I had the money for the mortgage but it was all in money in my bank account. or evidence of this. please listen to those calls. The mortgage does not report to the bureau until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and spoke with my loss mitigatior representative for 30 minutes, named XXXX XXXX I asked SPECIFICALLY if it reports late to your credit to do a payment plan " workout option '' they called it and she said NO. She then explained how putting down some money would be an accepted option but mv mortage would be extremely high when it is due. which would be 30 davs from then. I agreed that I could save the money up For context my mortgage is {$3000.00}!! So I was agreeing to pay {$3600.00} for the next 6 months but I would have extra time to save it since I was only paying {$400.00} on XX/XX/XXXX. They sent me a list of my payment dates in the mail. and when I went to pay on XX/XX/XXXX, they reported both XXXX and XXXX late to the credit bureau and our credit tanked XXXXXXXX XXXX  and some credit was taken away. You all just tried to ruin our lives to get {$400.00}? I had the XXXX  How is it acceptable to lie to clients paying you this much money. Then I asked for a review of the calls and another supervisor, XXXX, called and simply said " the notes of the call were reviewed and you were advised of credit reporting ''. So it's fully ok to lie to customers at XXXX to close a deal. Let me share with you all the " advised ot credit reporting '' verbatim : " Delinquent loans may be reported to the credit bureau reporting agencies on a regular basis. Your loan may be reported until brought current ''. THAT IS ABUSIVE PREDATORY LEGALEASE. I SPECIFICALLY asked if it would report late before AGREEING to the terms, and you all are now claiming that THIS is the " advised of late reporting ''. Please do the right thing here. XXXX did not at all review my call she simply looked at the notes that XXXX lied on. They rushed me into doing a hardship application and I got it in for XXXX and they took until XXXX to give me the resolution which was a trial period until XXXX to pay a lower rate of {$2600.00} but STILL REPORTING LATE EVERY MONTH THEY TAKE MY MONEY. I am crying while typing this and I am publishing this publicly because if you have XXXX and you get any of them on the phone ASK TO RECORD IT because XXXXXXXX XXXX XXXX  seem really nice but will like to save themselves quick and I do not want another homeowner to go through this.
Consumer complaint received 2024-10-13
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)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXXXXXX 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 XXXXXXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-10-13
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)

Under, 15 U.S Code 1681 ( 5 ) ( B ) ( ii ) ( iii ) ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material i ) Certification of accuracy of information if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.

( ii ) Notice to consumer if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( Ill ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
I was not notified of the reinsertion of these previously deleted items within a XXXX business day time frame, nor was any of the additional information outlined above provided to me. As a consumer by law, I demand that you delete these reinserted items from my credit report XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Consumer complaint received 2024-10-13
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 was a victim of ID Theft in the past and was made aware of it. I pulled my credit report and noticed unauthorized accounts on 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX BANK XXXX Account Number : XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft I found numerous accounts on my credit report that were not open by me. This is currently hurting me as I am in the process of trying to get my own apartment please remove these from my credit report as soon as possible.
Consumer complaint received 2024-10-13
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)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXXXXXX 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 XXXXXXXX Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.