davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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)

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXXXXXX ACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-10-10
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: Experian Information Solutions Inc. (CA)

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally dispute the inaccurate information that you have reported to the credit reporting agencies regarding my account with XXXX XXXX XXXX. My account details are as follows : - **Account Number : ** XXXX - **Account Type : ** Installment ( Auto Loan ) - **Account Status : ** Closed, Paid - **Date Opened : ** XX/XX/XXXX - **Last Reported : ** XX/XX/XXXX - **Balance : ** {$0.00} I have previously contacted you on multiple occasions to notify you of the inaccuracies in the reporting of this account, particularly regarding the information provided to XXXX regarding my joint account with my wife, XXXX XXXX. Despite my notifications, the inaccuracies persist. 

XXXX*Legal Basis for Dispute : ** Under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) and ( B ), you are required to report accurate information to consumer reporting agencies. Specifically : 1. **15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : ** A person shall not provide 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.

2. **15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) : ** A person shall not provide information related to a consumer to any consumer reporting agency if the person has been notified by the consumer that the specific information is inaccurate, and the information is, in fact, inaccurate.

**Discrepancies in Reporting : ** 1. **Inaccurate Payment Status : ** The payment status has been inaccurately reported on multiple occasions, and despite the account being closed and paid off, the information is still being reported inaccurately.

2. **Joint Account Reporting Error : ** The account, which is jointly held with Anyeli Snchez , has been incorrectly reported under her name without acknowledging the correct joint account details.

3. **Incorrect Reporting Dates : ** The " Last Reported '' and " Date of Last Payment '' dates contain inconsistencies, which have not been corrected despite prior notifications.

Given the requirements set forth by the Fair Credit Reporting Act ( FCRA ) and your obligation to provide accurate information, I request that you immediately investigate these discrepancies and correct the information on my credit report. Failure to do so may result in further legal action to protect my rights as a consumer. 

Please provide me with a written statement confirming the results of your investigation and the actions taken to correct these inaccuracies. I expect these corrections to be reflected in my credit report within the next 30 days. 

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

Sincerely,
Consumer complaint received 2024-08-14
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. (TN)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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. 

XXXX XXXX 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 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION 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!

Update the late payments from my consumer reports
Consumer complaint received 2024-08-13
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. (WI)

I am writing to formally dispute the hard inquiries on my credit report that were made without my knowledge or consent. I have thoroughly reviewed my credit report and found the inquiries, which I did not authorize.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Subject : Request to Remove Paid Collection Account from Credit Report To Whom It May Concern, I am writing to request the removal of a collection account associated with Universal Collection Systems ( Original Creditor : XXXX XXXX XXXX XXXX  ) from my credit report. Below are the details of the payment and account : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Payment Date : XX/XX/year> Amount Paid : {$710.00} Transaction ID : XXXX The debt has been fully paid, and I have attached the receipt for reference. Reporting a paid collection account is harmful to my creditworthiness, and I am requesting that this account be removed entirely from my credit report as a goodwill gesture or updated to reflect the Paid in Full status without derogatory notations.

Request for Action 1. Remove the Collection Account : I respectfully request that this account be removed from my credit report entirely.

2. Update Credit Reporting : If removal is not possible, I request that the account status be updated to reflect Paid in Full and ensure that no further derogatory marks remain. 

Supporting Documentation I have attached the following : A copy of the payment receipt indicating full settlement of the account. 
My government-issued ID for verification. 

Contact Information Full Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone Number : XXXX Email Address : XXXX Please notify me in writing of the resolution to this request within the legally mandated timeframe. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-20
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. (MA)

Someone fraudulently asked for a credit check to open a new account with XXXX XXXX, apparently to open a new line of credit under my name ( identity theft ). This person has also locked me out of XXXX, changed the email, password and phone number, before I could lock my credit there. 

Also, i can not supply documentation for this because there are no documents. I can not prove I did not do something.
Consumer complaint received 2024-08-13
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. (NC)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-13
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. (OK)

I have several hard inquiries on my credit report that I do not recognize. These inquiries are from the following companies on the listed dates : XXXX : Inquired on XX/XX/scrub> XXXX XXXX XXXXXXXX : Inquired on XX/XX/year>XXXX XXXX XXXXXXXX : Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXXXXXX XXXX XXXX Inquired on XX/XX/year> I contacted the credit companies involved, but they were unable to assist me. They directed me to TransUnion to resolve the issue. I reached out to TransUnion to request the removal of these inquiries, but they informed me that I need to provide documentation to support my claim. I am filling out this CFPB form to seek help in resolving this situation, as these hard inquiries are affecting my credit and were not authorized by me.
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

My mom bought this mobile home we stay in around XXXX of XXXX payed XXXX down. The house she ordered was in process of being built, for what ever reason they brought out the present home where in now with the cheapest everything saying the house she want would cost more after buying. This present home we are in had embalming fluid warnings, my mom had XXXX and died from XXXX XX/XX/XXXX. The company XXXX XXXXXXXX XXXX, Tx and XXXX XXXX XXXX, Tx and 21st Mortgage out of XXXX, TN. XXXX called me nearly every day for 3 months about house payments and offered me XXXX to just walk away from the loan my mom had. This house wasn't even anchored down right failing inspection. I feel like they're responsible for my mom 's death knowing her XXXX with embalming crud.
Consumer complaint received 2024-11-18
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-11-18
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 documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-08-13
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. (TX)

I am a victim of Identity theft and I have sent evidence along with police report to the credit reporting agency to investigate and provide evidence of validation. 
Credit Reporting agency failed to comply with request and my right under the Fair Credit Reporting Act public law 91-506. title vi, section 611, subsection a-d, where they are required to provide tangible evidence of the information verified within timeframe and failed to do so. Under this act, the credit reporting agency must eliminate any associated information disputed if they do not provide validation evidence by required time. Reporting Agency failed to provide me with evidence to support that the inquiries were " factual " within timeframe and I did not receive requested evidence from either the companies or credit reporting agency regarding the dispute. Credit Information is still inaccurate despite advising of unauthorized inquiries.