davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (IL)

Upon reviewing my credit I noticed I had a collection account from XXXX XXXX XXXX that did not belong to me. I tried reaching out to the rental company that it said I owed XXXX XXXX XXXX XXXX but they are no longer in service. So I then called the collections agency and asked what can I do to prove it wasnt me. He said & I quote, Nothing. Because it was you. So you need to pay it. I told him that in fact it was NOT me and the address had already been proven to be false ( XXXX  removed the address belonging to the apartment due to fraud ). He then said, I have proof here that it was you. I have your signature. I asked, Okay & what do you have to compare it to? Cause it wasnt me. He then said, Seems like you got it all figured out & hung up on me. Ive never lived at the address from the apartment complex. Which is why XXXX  removed it. XXXX  even completely removed the collections account DUE TO FRAUD. At this point I dont know what else to do. Ive never lived at those apartments and the National Credit System people are not trying to work with me to prove to them that the account doesnt belong to me. He literally told me no matter how hard I fight it or what I do, they wont remove it.
Consumer complaint received 2024-08-12
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. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had four late payments 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 ive attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

Sent from my XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with EXPERIAN 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 in ( MONTHS REPORTING LATE ) to be removed.

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.

EXPERIAN 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!

Delete the late payments from my consumer reports
Consumer complaint received 2023-07-16
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)

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 2024-08-12
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax ; XXXX  and XXXX  should not be reporting any lates on the DEPTEDXXXXXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report ; list of accounts and spreadsheet. ) XXXX XXXX XXXX out of XXXX, Georgia is currently in a class action lawsuit for not keeping promises made to students. They guaranteed they would assist in finding work after graduation, providing externships, and if needed, the college would provide additional education. I never received my Certificate for completing the program and the college has since lost its accreditation, has been closed, and consequently my education is completely worthless. ( I have attached one of numerous articles relating to the misrepresentation from the college for reference. ) I have on multiple occasions tried to reach the college however, the office is closed and there is no forwarding telephone number or address. The false reporting of lates on these student loans is seriously harming my credit score and these line items need to be removed from my credit report. I have also tried contacting the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-08-12
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. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I've have been a transient for XXXX i just stepped back into my life I've been on the streets across the now I'm a unknown victim this is causes me health issues please help
Consumer complaint received 2020-06-17
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. (CA)

There are four accounts on my credit report that were opened on my behalf without my permission ; I was made aware of them today XX/XX/2020 because I applied to rent an apartment and I did not qualify due to these accounts reflecting badly on my credit report. The accounts are from the following companies. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any written/verbal contract with any of these companies nor am I affiliated to them in any way. I did not give these companies permission to access my credit information nor did I gain anything from the accounts that were opened with those companies such as money, goods, services etc. and I never made payments towards these accounts. I have filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit reports 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, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-12
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. (GA)

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (SC)

I contacted American Eagle to get my balance owed to pay off the credit card and I was informed that I had a {$0.00} balance and I did not owe anything. Now I see that they are reporting this credit card as a negative item on my credit reports. I contacted telephone number XXXX.
Consumer complaint received 2024-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to unfreeze my credit report at XXXX, Transunion, and XXXX. In all XXXX it was extremely hard because they " hide '' the feature for customers who haven't upgraded to the paid service. I ended up paying for XXXX from Transunion and then spend an hour on tech support chat to delete that subscription. Both XXXX and XXXX require persistence to unfreeze credit report. Freezing and unfreezing should be readily available on home page of FREE service. All 3 bureaus purposefully make it difficult in order to up-sale you.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Re Investigation of complaint # XXXX XXXX XXXX # XXXX the Account was reported chard off on. XXXX .then Repeatedly updating as charg off every month since than this is updat in the payment history. XXXX account should not including an active payment history this inaccurate info falsely menupelat the status of limetatioyou failed to investigate this account properly and you neglect vaulat my rights I demand a deletion of this account.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Unauthorized credit usage I was a victim of trafficking, and during this time, my personal information was used without my knowledge or consent to obtain credit. As a result, there are fraudulent accounts and charges under my name that I did not authorize or benefit from. I kindly request your assistance in investigating and addressing these fraudulent activities, and in taking the necessary steps to clear my credit record of these unauthorized accounts. Your support in this matter is crucial as I work to rebuild my life and regain financial stability.
Consumer complaint received 2024-08-12
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. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had four late payments 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 I've attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-08-12
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. (DE)

Identity Was Stolen, Reported to police and also sent report to furnisher. I Ask that these charges and all recent inquiries be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-17
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. (SC)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$9000.00} XXXX XXXX {$8400.00} XXXX XXXX {$53.00} XXXX XXXX {$80.00} XXXX   XXXX {$4500.00} XXXX XXXX {$6700.00}
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

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 XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I opened a XXXX XXXX in XXXX or XXXX to improve my credit. On XX/XX/2020, my account was credited with a payment of {$290.00}. That left me with a zero balance. However, someone odd happened, that payment took time to show up despite paying the amount directly online. During that period, my account was charged an annual fee which made the account go over balance by {$68.00}. Within days, XXXX reported the account, and my credit dropped about 100 points on both Equifax and XXXX. That negatively impacted my ability to move and find an apartment. Interestingly, that annual fee was removed, so my account should never have gone over. I make timely payments, yet my credit report continues to show the account is overdrawn at {$360.00}. It's over one month, yet XXXX has not corrected an error on their part. My credit reports shows I am overdrawn on my XXXX account even though I am not. It's been over a month and XXXX has not corrected their error. My actual balance is only {$100.00} with a minimum due of {$30.00} due on XX/XX/2020. I spoke with XXXX about a month ago when I noticed the account overdrawn. A representative assured me the problem would be taken care with the adverse effect on my credit report removed within 7-10 days. This was not done. I contacted Equifax and apparently XXXX did not update my account. I contacted XXXX again and another representative said I was given incorrect information that the process took 30 days. It's past 30 days and XXXX did not remove the error.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

We were approved for a " forbearance on a current account '' while we try to sell this home. We received a notification from all XXXX credit bureaus that our XXXX XXXX balance increased from {$470000.00} to over {$470000.00}. I was extremely confused as there's no reason for our balance to increase while payments are paused. When I called the executive team XXXX XXXX XXXX they confirmed that our balance has not increased, and our payments have simply been paused. They also confirmed that paused payments do not get added to the existing balance of the loan, they just get added to the life of the loan. She said she would inquire about how they reported it, but she said she only shows that it was reported as a forbearance, nothing more. I explained to her that all XXXX credit bureaus are showing an " increased balance '' so it is more than likely not something that the credit agencies are doing and I asked if she could check into this again because something either isnt getting reported correctly, or is being left out. Our balance is the exact same as of today ( XX/XX/XXXX ). It hasn't changed or increased at all. Someone is reporting it to the credit agencies incorrectly and they are adding our paused payments as additional payments and causing a notification of an " increased balance '' instead of reporting them as paused payments. My husband and I both took a XXXX point hit on our credit scores because of this, resulting in damaged credit. We also confirmed with XXXX XXXX that there is no negative reporting to our credit as it is a forbearance on a current account, and we are also under a XXXX XXXX until XX/XX/XXXX regardless. So, the decrease in our scores was simply because of an increased balance, which makes XXXX sense. This needs to be fixed.