davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

in accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2024-08-30
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-08-17
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. (SC)

I have spoken to XXXX many times and they confirm my balance is XXXX which when I login my account reflects. My student loans were forgiven and XXXX through public service loan forgiveness. XXXX states they have reported XXXX balance to credit reporting agencies which XXXX and XXXX both reflect the correct XXXX balance. 

Experian however keeps putting the beginning balance of many month 's ago balance even though XXXX states they have been told XXXX balance. I have disputed with Experian and uploaded proof of XXXX balance and given them copy of forgiveness. Yet they ignore that. My account balance on EXPERIAN SHOULD REFLECT STUDENT LOANS ZERO.MOHELA is having difficulty with them also as they have told them XXXX balance per phone conversations with XXXX
Consumer complaint received 2022-02-22
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2022-02-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

on XXXX XXXX i sent a letter regarding my inaccurate and unverifiable informations on my credit report. to this day over 60 days later. i haven't received any response yet. I'm so stressful about this situation
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (CA)

I have written letters ( first one dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX and recently on XXXX XX/XX/year> XXXX XXXX XXXX XXXX to help remove a late payment reported on my credit report in XX/XX/year> regarding my Loan Number : XXXX. 

I have previously contacted XXXX XXXX XXXX XXXX via phone, email, and written correspondence to explain and provide documentation regarding a medical condition that resulted in a single 30-day late payment in XX/XX/year>. This situation coincided with the servicing transfer of my loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately, the transfer did not include the correct contact details, despite my reliance on auto-payment and notification features to ensure timely payments. 

In XX/XX/year>, despite having autopay configured, I missed a payment due to my health issues. I was only made aware of this oversight on XX/XX/year>, when I received a notification about a significant drop in my credit score. I immediately rectified the missed payment and sought assistance to address the late payment mark with all three credit bureaus. However, my repeated efforts since XX/XX/year> to communicate with XXXX XXXX XXXX XXXX have thus far resulted only in acknowledgments of receipt, without any substantive response or resolution. 

The agents who have answered my calls have been unable to effectuate any changes due to limitations in their authority. It appears that these agents lack the means to escalate issues to their supervisors or the appropriate decision-makers within their credit department. Given the urgent nature of my situationrequiring a loan for essential repairs to my home, which is severely affected by mold and termite damageI respectfully request your offices help in this matter. 

Your assistance in facilitating communication with XXXX XXXX XXXX XXXX and resolving this matter would be greatly appreciated. 

Thank you for your understanding and cooperation in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-24
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. (CA)

My credit report shows that I have a late payment with XXXX for the month of XX/XX/year> which is absolutely false. The payment was made and can be confirmed by XXXX XXXX ; it is set up with automatic payments and also overdraft protection so there shouldn't be any late payments. I reached out to XXXX and they said they would contact the credit bureaus to fix the problem but the problem was never fixed. I disputed with the credit bureaus and the dispute was denied. This has a hugely negative impact on my score and needs to be fixed ASAP.
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-09-08
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)

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX  XXXX Thank You in Advance for your Cooperation.
Consumer complaint received 2024-09-08
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)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : Transunion Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX  XXXX ], which has been marked as " charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' The account was closed due to inactivity. 

XXXX : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off, '' with the balance reported as a " loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while XXXX indicates that the balance was reported as a loss. TransUnion reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.

Additionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. 

I request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the " charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-09-09
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)

They [ XXXX ] charged me prior to XX/XX/year> for my student loans. The Federal Goverment didnt require payment until XXXXXXXX of XXXX. This caused a delinquent score on my credit report, even though Ive never missed a single payment on any credit card or loan, resulting in denials to my credit increase on my cards and denial of housing in my current job, XXXX Researcher with a XXXX degree and a XXXX
Consumer complaint received 2024-09-08
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)

TransUnion XXXX XXXX 2000 XXXX, PA XXXX Subject : Dispute of Inaccurate Late Payments Reported on Select Portfolio Servicing Account To Whom It May Concern, I am writing to formally dispute inaccurate late payments reported on my Select Portfolio Servicing ( SPS ) account, which are currently appearing on my credit report. The late payment information being reported is incorrect and not reflective of my actual payment history. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I request that you immediately investigate this matter and correct the inaccuracies on my credit report. Specifically, I am citing the following laws in support of my dispute : 1. 15 U.S.C. 1666 ( b ) - Fair Credit Billing Act ( FCBA ) This section of the law grants me the right to dispute billing errors, including the inaccurate reporting of late payments. As a consumer, I have the right to dispute errors within 60 days of receiving the billing statement showing the error. In this case, the late payments being reported are not accurate, and I am exercising my right under this law to correct the mistake.

2. 15 U.S.C. 1637 ( b ) - Periodic Statements of Accounts Under this section, creditors are required to provide clear and accurate statements of account activity. The inaccuracies in the reporting of late payments on my XXXX XXXX XXXX account violate this requirement, as the information being provided to the credit bureaus is neither accurate nor consistent with my actual payment activity.

3. 15 U.S.C. 1681e ( b ) - Fair Credit Reporting Act ( FCRA ) This section of the FCRA mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information included in consumer reports. The inaccurate late payments being reported on my XXXX account violate this provision. As TransUnion has a duty to report only accurate and verifiable information, I am requesting that you immediately verify the accuracy of the information with XXXX XXXX Servicing and update or remove the late payment information accordingly. 
Details of the Account in Dispute : Creditor Name : Select Portfolio Servicing ( SPS ) Account Number : [ Full Account Number or Last 4 Digits ] Disputed Late Payments : [ Dates of the Inaccurate Late Payments ] Requested Actions : Immediate Investigation : Please conduct a thorough investigation into the inaccurate late payment information reported by Select Portfolio Servicing.

Correction or Removal of Inaccurate Information : If these late payments can not be verified as accurate, I request that they be removed from my credit report immediately.

Confirmation of Investigation : Under FCRA 15 U.S.C. 1681i, I request written confirmation of the results of your investigation and any changes made to my credit report within 30 days. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Opened a Citi account online due to the promotional bonus they are offering by keeping $ XXXX in the account for 60 days. I initiated a bank transfer online from my external bank 's personal checking account. I initiated another transfer to ensure I meet the $ XXXX requirement for the bonus. My account was then suspended for no reason. Called several times and was told I would get a call back in 24 hours. Have not gotten any calls back in 2 days. I called and after hours I was connected to an agent that told me my account is referred for closure and I can not access my funds until they close the account, which would take 60 days. They are keeping my money XXXX and they do not have any right to do that. Feel so helpless.
Consumer complaint received 2024-09-09
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. (OH)

XXXX XXXX XXXX  {$730.00} Date Opened XX/XX/XXXX I did not give this company authorization to report this collection to my credit report this violates my privacy under the Privacy Act of 1974 I took action by asking the company to send me more information on this collection debt in a form of a letter still no response or action was taken on behalf of XXXX XXXX
Consumer complaint received 2024-09-08
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. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-08
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. (CA)

TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Account with XXXX XXXX XXXX on My Credit Report To Whom It XXXX Concern, I am writing to dispute the inaccurate reporting of a fraudulent account from XXXX XXXX XXXX appearing on my TransUnion credit report. This account does not belong to me, and I have never initiated or authorized any credit transactions with XXXX XXXX XXXX. I believe this fraudulent entry XXXX be linked to the recent national data breach, which has compromised sensitive personal information and led to identity theft. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Date Opened : XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( XXXX U.S.C. XXXX ), I am formally disputing this account and requesting its immediate removal from my credit file. According to this section, TransUnion is required to investigate any disputed information within 30 days of receiving this request, correct or delete any inaccurate or unverifiable information, and notify me of the results of your investigation. 

Given the prevalence of identity theft resulting from the national data breach, it is crucial that this fraudulent account be investigated and removed promptly. I also request that you ensure that no similar fraudulent activity is reported on my credit file. 
Requested Actions : Immediate Investigation : Please conduct a thorough investigation into the XXXX XXXX XXXX account and verify its accuracy. 

Deletion of Fraudulent Account : Since this account is not mine and was fraudulently created, I demand its complete removal from my TransUnion credit report. 

Enclosed, you will find copies of my credit report with the fraudulent account highlighted, along with supporting documentation, including my identity theft report filed with the XXXX Police Department and proof of identity. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution and the removal of this erroneous information from my credit file. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-08
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. (MI)

Trans Union has refused to follow the rules of the CFPB and FCRA. I requested an reinvestigation and as of XX/XX/XXXX and it is now XX/XX/XXXX and I have not heard back from trans union. They have failed to communicate and forward any documents requested for the XXXX XXXX and XXXX XXXX XXXX. Trans Union has violated my rights to a fair credit report. It has been 30 days asking for a request the confirmation number XXXX, I am asking that the CFPB investigate trans union for the violation that does lie and blatantly used my information in the wrong way
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # # #, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2022-02-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

It is not going on 90+ days since I have opened a dispute with XXXX , Equifax , XXXX  XXXX. 

I demand that these agencies deletes these negative and fraudulent tradelines from my credit profile. This has gone on for far too long. 

I had a CFPB complaint submitted on XX/XX/XXXX, and here we are 30+ days later and there still has been no change or updated to my consumer credit profile. 

Previous disputes : XXXX XXXX XXXX