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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of Identity theft, my information has been used fraudulently and as a result there are items on my credit report that I never was associated with nor benefited from. This is causing me immense XXXX  and XXXX nights, I filed an FTC report as I was instructed to by TransUnion and I have sent in this report but these fraudulent items still remain.
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. (FL)

In XX/XX/XXXX, I discovered several inaccurate collection accounts on my credit report. These entries were reported without proper validation or accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. Despite contacting the relevant companies and providing documentation, these errors remain unresolved.

Collection Accounts : Under 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must report accurate information. The following collection accounts are being inaccurately reported and should be removed : 1. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Status : Collection/Chargeoff Date Reported : XX/XX/XXXX 2. XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$6500.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX 3. XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$7300.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX 4. XXXX Account Number : XXXX Balance : {$0.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX These accounts have been incorrectly reported, causing harm to my credit score and financial standing. I request an immediate investigation and removal of these accounts from my credit report, as mandated by the FCRA.
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)

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.

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 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. (NY)

XXXX XXXX XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$930.00} XXXX - XXXX - XX/XX/XXXX - {$690.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$570.00} 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 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. (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  Account XXXX : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by 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 delay due to postal service issues : In XXXX and XX/XX/XXXX, I mailed my payments well in advance, but due to delays with the postal service, the payments arrived late. This delay was beyond my control, and the payments should not have been marked as late, as I acted in good faith to ensure timely payment. 
XXXX made within the 15-day grace period : Despite the postal delay, my payments for XXXX and XX/XX/XXXX were received and processed within XXXX 's 15-day grace period. As such, this account should not have been reported as 30 days late. 
XXXX Already Removed the Account : After reviewing my dispute, XXXX has already removed the account from my credit report, acknowledging that the late payment was reported in error. This further confirms that the information reported by TransUnion and XXXX is inaccurate. I have attached a copy of my XXXX report showing that the account has been removed. 

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. 

I also request that the inaccurate late payments entry for XXXX and XX/XX/XXXX be removed from my credit report immediately, as XXXX has already removed it. 

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 XXXX
Consumer complaint received 2023-08-02
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. (FL)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
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. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 information that the information has been modified or deleted from the file of the consumer. ''
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear XXXX, I am writing to formally dispute the accuracy of information regarding a charge-off account listed on my credit report. According to 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), all information in my credit report must be 100 % accurate. I have identified several inaccuracies associated with this account, which I believe violate these provisions.

Please find the details of the account in question : Account Name : XXXX XXXX XXXX  Account Number : XXXX Inaccuracies : Date opened High credit limit Credit limit Last reported Date last active Date of last payment I request that you conduct a thorough investigation of this account. If the inaccuracies are not rectified, I ask that this account be removed from my credit report as required by law. 

Please be advised that if this request is not fulfilled within 30 days as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), I will consider pursuing litigation to seek damages of {$1000.00} for each inaccuracy reported. I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-19
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. (NV)

This is my 8th requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis has cause me great XXXX  stress, and financial hardship.
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. (NC)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXXXXXX 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 2024-10-18
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. (TX)

You were notified in XX/XX/year> that several accounts were inaccurately reported, yet you failed to remove them after eight months. I am now pursuing arbitration for the following accounts : XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX. Please refer to the attached dispute letter, which is both dated and time-stamped, and remove these accounts from my credit report immediately. You have failed to provide the method of verification for nearly a year, which constitutes negligence. This ongoing false and illegal reporting has caused significant emotional distress and resulted in lost opportunities. XXXX has removed these accounts. I expect prompt action to resolve this matter.
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. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
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. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I found late payments. Despite sending letters over 30 days ago, I have yet to receive a response, and I have not received satisfactory validation. I kindly request your assistance in resolving this issue.
Consumer complaint received 2023-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

XX/XX/XXXX I bought a XXXX XXXX XXXX at XXXX Car Sales XXXX XXXX, they gave me a bill of sale and a license plate and temporary registration with an expiration date of XX/XX/XXXX. The financial company was originally XXXX XXXX XXXX and then it became Westlake Financial company, when the registration expired I called the Dealer to get my final registration and the Dealer had closed, I called Westlake Financial to send me the documents to register the car and the Financial does not have the documents either. On XX/XX/XXXX the police arrested me and took my car away, the Westlake Financial can not claim the car because it does not have the documents and the lien in the title. I don't have the car, I don't have the documents and I have a debt with the financial company. 
Westlake Financial should not have approved the loan of a car that did not have the title and now want to collect the monthly loan from a vehicle that we do not have
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

there are fraudulent information on my credit report : Experian Inquiries 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 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MN)

I took advantage of a 0 % interest offer for 12 months from Barclays XXXX XXXX credit card with a 3 % fee for the balance transfer. I transferred {$12000.00} dollars to the Barclays card on XX/XX/2022 understanding that there would be a {$360.00} fee for the transfer. 

My rationale for this balance transfer was to put money on a 0 % interest compared to the 11 % interest I was paying. My intent was to pay this 0 % transfer off within the XXXX year allowed at 0 %. 

My first statement came in the mail from Barclays and it included interest charges in addition to the transfer fee. I called Barclays and they required me to write a letter to their Card Services explaining my situation. I wrote them got a letter from Barclays dated XX/XX/2022 denying my request for no interest. I called them a few more times after this date, again with no success. 

I paid Barclays {$12000.00} on XX/XX/2022. I informed them that I do not owe any interest or late fees, and that they would not get another dime from me. I paid what I owed way sooner than I ever intended because of their overcharging. 

I made a few more phone calls, and Barclays made me an offer to pay this card off at a reduced rate. All the charges that they accumulated we interest charges and late fees. I do not owe them a dime. 

My credit score has dropped significantly because of Barclays actions and they keep adding interest and late fees every month to a fabrication of theirs.
Consumer complaint received 2024-10-19
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)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if. ( 3 ) INFORMATION regarding inquiries, 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 2024-10-18
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. (TX)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2024-10-19
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. (KS)

Theres charges on my credit report from two credit cards and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I disputed them and Trans Union decided that they were legitimate so I asked them to tell me the process that they go through to decide whether the charges were legitimate and verify the debt and they told me they take up to 30 days which was not very informing, so I asked them what information they got that verified this debt was mine. They would not provide me with that. I asked them who they spoke to with the companies, they would not provide me with that, and they refuse to remove these charges off my credit report.
Consumer complaint received 2023-06-08
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: SYNCHRONY FINANCIAL (OH)

There is a FRAUDULENT ACCOUNT reporting on my credit report with a {$250.00} balance. THIS IS NOT MINE!!!! I have NEVER had a XXXX credit card with Synchrony Bank. I DEMAND this account be closed, reported as fraud, and removed from ALL XXXX credit bureaus.