davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX combined my paid off account to a delinquent account and reported to the credit bureau It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) )
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

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

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (TX)

On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX my social security number for an extension of credit, because my social security number was used I received no benefit this is proof of fraudulent activity. Fraudulent activity is unauthorized use of a credit card on behalf of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX consumer and natural person, was denied credit by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX applied for a XXXX  XXXX XXXX XXXX XXXX {$52000.00} VIN : XXXX Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in XXXX U.S.C XXXX and is pursuant to civil liability under 15 U.S.C 1692k. XXXX XXXX XXXX XXXX XXXX are subject to criminally liability for violating 15 U.S.C 1691 as I have proof what I was discriminated against by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX the response I received. XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
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 S

ubject : 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 Number : 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.

Payment made within the 15-day grace period : Despite the postal delay, my payments for XXXX and XX/XX/XXXX were received and processed within XXXXXXXX XXXX  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 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (OH)

The issue started in XXXX when i made a payment towards my BILLED balance of XXXX i made a payment towards my account which consisted of one promotional purchase that expires XXXX this would have left the remaining balance at XXXX the company applied my purchase toward a unbilled transaction. i called to allocate this payment and a few other payments above my minimum due as per the terms of the account. this would have paid my promotion off by XXXX XXXX the company has not allocated the payments per my request. they are now denying my allocations and attempting to fraudulently charge my account the interest of this promotion. they have also deleted records of my conversations. this needs to be corrected i will not pay what i do not owe. also as seen n the statement they have allocated funds AWAY from my promotion increasing the balance.
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Cease and Desist Stall Letters Dear TransUnion, I am writing to formally request that you cease sending me stall letters regarding my credit report. As you are aware, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a maximum of 30 days to complete their investigations. 

If I receive another stall letter in the mail, I will be forced to take legal action. Please ensure that my requests are handled promptly and in accordance with the law. 

Thank you for your immediate attention to this matter. 

Sincerely
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I received an alert on XXXX, from XXXX that I had a hard hot on my credit report. I was told it was a credit card application for a Bank of America credit card. I had not applied for a new credit card anywhere so I contacted Bank of America credit card services and fraud unit. They informed me that they couldnt see a new credit cards on my account. I contacted my personal banker at Bank of America XX/XX/XXXX and he also stated nothing new was showing up on my account and nothing could be done. I put a freeze on all 3 Credit Reporting Agencies on XX/XX/XXXX. I received an email XX/XX/XXXX informing me that my credit card application with Bank of America was approved and I would receive a welcome package and card within 14 days. I again called Bank of America fraud unit and my personal banker and they said that they could see the new credit card on my account. It was a XXXX XXXX XXXX XXXX with a {$20000.00} credit line. The personal banker told me it had an address from 2 years ago in another State. Bank of America opened this credit card without my consent using my email and a former address. They should be investigated. This is similar to XXXX XXXX years ago. The fraud unit and banker of BofA should have delved into issue further XX/XX/XXXX and maybe it wouldnt have gone to the point of a card in my name, unauthorized, floating around. in Arizona
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. (OR)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
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 : XXXX  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 XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$36000.00} INQUIRIES : 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to XXXX disputing a late payment reported by XXXX 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 Made on Time : My payment for XX/XX/XXXX was made on time, as demonstrated by my bank statements and payment confirmations, which clearly indicate that the payment was processed well before the due date. This payment should not have been marked as late. 
Clerical Error at Creditor 's End : There was a clerical mistake by XXXX, where they incorrectly applied my payment to the wrong account, leading to the appearance of a late payment. I immediately contacted the lender once I discovered the error, and they acknowledged the mistake. I have attached correspondence from XXXX 's customer service confirming that this was a mistake on their end. 
Technical Issues on the Payment Processing Portal : I encountered issues with XXXX XXXXnline payment portal, which delayed the posting of my payment. Despite my efforts to make the payment on time, the technical issue led to the payment being recorded late. I have attached support tickets and communication with the banks technical support team showing the payment portals malfunction during the relevant period. 
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. 

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
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-07-11
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. (IL)

i received my credit report on XX/XX/2023 and notice there were hard inquires that don't have permissible purpose to be on there these hard inquires are hurting me for getting approved. 
i already reached out to the credit bureaus about this they keep violating my rights under 15usc1681b these hard inquires that don't have no purpose to be on my credit report.
Consumer complaint received 2023-04-10
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: National Credit Systems,Inc. (NV)

I filed a cfpb complaint and XXXX  complaint and nothing as happened. I filed several dispute with all three credit bureaus and they did the debts were verified each time I have two debts with National Credit Systems that need to be removed asap. Please see attached documents
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)

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 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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

RE : XXXX  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 XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$82.00} INQUIRIES 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/year> Transunion LLC concluded its investigation and found the inquiry which was made on XX/XX/year> does not belong to me. Investigation results status show - DELETED. However, Transunion LLC deleted the wrong account - XXXX XXXX XXXX XXXX  XXXX. This is a correct account. The one that should be deleted is inquiry made by XXXX XXXX XXXX XXXX XXXX Please correct the mistake as soon as possible.
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. (MD)

I have identified inaccuracies on my credit report concerning 15 USC 16c-2. The inquiries listed were not approved by me, harming my credit. Please erase all unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
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. (VA)

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.