davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

The incorrect information pertains to XXXX. My credit was impacted because XXXX is reporting wrong that I am 90 days late yet they are also reporting that I have made 100 percent of my payments. My student loan has been in forbearance and paused due to the Government loan pause on student loans. 
This inaccurate reporting is negatively impacting my credit profile and financial standing. I kindly request that you investigate the matter and take the necessary steps to rectify the situation promptly. 

Despite my previous attempts to resolve this matter through the company involved, the issue remains unresolved and continues to impact my financial standing. 

I have diligently followed the proper channels to address the inaccuracies on my credit report, including contacting both XXXX and XXXX. However, to my disappointment, the situation has not been rectified, and I am left with the burden of incorrect credit information that does not reflect my true creditworthiness. 

I understand the importance of accurate credit reporting for both consumers and credit bureaus. To assist you in resolving this matter efficiently, I have attached relevant documentation that supports my claim. I kindly ask that you conduct a thorough review of my credit report and make the necessary corrections in accordance with the Fair Credit Reporting Act. 
Please keep me informed about the progress of this investigation and any actions taken to address the inaccuracies. I appreciate your attention to this matter and your prompt response.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

When I first leased my vehicle in XX/XX/2017, I made the first month 's payment as part of my initial lease payment which covered the first payment cycle. I was surprised to see that subsequent payment for XX/XX/2017 was marked as a missed payment on my credit report.I thought that this was extremely unfair and confusing, the sales person at my showroom did not specify when my next payment was due further I did not receive a date as to when I was supposed to make that first payment by mail or online until very late in the payment cycle. I would like Honda Financial to remove that missed payment on my credit report, I feel that this is in violation of the FCRA. This is having extremely adverse effect on my credit score.
Consumer complaint received 2024-11-15
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. (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 2024-11-15
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. (AZ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-11-15
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. (ME)

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 2024-11-15
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. (MD)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX  - XXXX - XX/XX/XXXX - {$2100.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00}
Consumer complaint received 2024-11-15
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. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX GA XXXX SS XXXX XXXX XXXX This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX LIKE WOULD A FREEZE OF ALL MY CREDIT FILES ASAP.
Consumer complaint received 2020-12-29
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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (FL)

I had a late payment in XX/XX/2020 for the first time since being an account holder. 

I have had a great payment history aside from one missed payment a couple days past the deadline in XX/XX/2020. It honestly had nothing to do with any financial hardship. The truth is it totally slipped my mind due to the incoming pandemic and having two elderly parents and my girlfriend is a front line health care worker. It was a very stressful time for all Americans as we didn't know what was coming. 

It is in no way a coincidence that my only missed payment was in XX/XX/2020 with a previous stellar payment history before and after. The creditor actually removed it from XX/XX/XXXX after a dispute but has left it up on XX/XX/XXXX and XX/XX/XXXX. I just received another letter denying to take it down from other two credit bureaus. I wouldn't be surprised if they would rather place it back up on XX/XX/XXXX vs taking it down off the other two bureaus. I am really frustrated with the issues that I have had. I am not directing this at you personally but not ever being able to speak to anyone is beyond frustrating. 


I am willing to pay off the remainder of the lease or set my account to auto pay to have this removed. I have been nothing but a loyal customer and was planning on remaining so. Anything you can do to look into this matter would be greatly appreciated. I think loyalty should work both ways. I also think the worst pandemic in 100 years should hold some weight in this matter. 


I never asked for payment deferral or payment assistance. It was honestly just a complete oversight due to unforeseen stress and anxiety as it was for all Americans. Your time and consideration is sincerely appreciated.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NV)

My credit report for Experian hasn't updated since XX/XX/year>, I've called in and spoke with a rep 3 time, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX. Each time I was told that my address didn't match and to upload my proof of address through Experian.com/upload. I've done this numerous time and it still hasn't updated. I've have been attempting to refinance out of a property I have and this update is holding me back from doing so.
Consumer complaint received 2024-11-15
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. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-11-15
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. (NJ)

This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account Name ( XXXX XXXX ) Account # ( XXXX )
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a XXXXXXXX XXXX XXXXXXXX credit card issued by XXXXXXXX XXXX that has been paid off and carries a XXXX balance since XX/XX/XXXX. At least once a month I get a XXXX XXXX alert that my credit score drops XXXX points. I go in to check it and it's the XXXXXXXX XXXX XXXXXXXX card and they keep changing the XX/XX/XXXX payment to " late ''. This happened thru XXXX once, I disputed it and they corrected it. This has been going on with Transunion now at least 4 times. I see it, I dispute it, and it gets corrected. Three weeks later the exact thing happens again. This last time I received an email from Transunion stating that the information is correct. How can I have a late payment in XX/XX/XXXX when the account was paid in full in XX/XX/XXXX? There's was no payment to be made in XX/XX/XXXX to be marked as late. I contacted XXXXXXXX XXXX XXXX and they said they have no record of the issue. I tried contacting XXXXXXXX XXXX and can't even get somebody on the line to talk to. I'm getting tired of dealing with this issue every month.
Consumer complaint received 2023-02-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

IQ Data international , Inc. Sent me a collection notice XX/XX/XXXX XXXXAccount # XXXX with the principal amount XXXX interest amount XXXX with total due XXXX and threatening to increase the amount XXXX percent per annum. From a bill that was taken off my credit report from the apartment complex XXXX XXXX  XXXX. The account was removed from my credit report XX/XX/XXXX and increased my score XXXX points. I should not be receiving collections notifications.
Consumer complaint received 2019-08-20
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. (DE)

The following accounts were reported as accurate and verified. They will not tell me how they verified these accounts what information they obtained. I would like them deleted because I have no knowledge of these accounts and they are inaccurate.XXXX  Report#XXXX XXXX XXXX,TX XXXXTrans Union LLC file#XXXXXXXX XXXX XXXXXXXX,PA XXXXXXXXXXXX XXXX XXXXXXXX,GA XXXXXXXX XXXX  account#XXXX Charge off balance XXXXXXXX  account#XXXX charge off balance XXXXXXXX  account#XXXX  charge off balance XXXX
Consumer complaint received 2024-11-15
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. (LA)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$6000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX XXXX {$2500.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-15
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 XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MA)

When all notes of a chapter XXXX were removed ( including the public record. ). Santander cont to report that I have a recent delingeincy. What Santander is reporting the the final payment from the chapter XXXX trustee. They are reporting the payment as my last payment prior to delinquency. My last payment prior to delinquency was XX/XX/XXXX. This inancuarte reporting tells creditors that I have a recent delinquency that is unresolved. This is not the case. My chapter XXXX was paid in full never missed a payment. No other creditor is reporting it this way. I have called Santander twice and sent A returned receipt request and 1st class mail outlining the relevant dates but nothing on all three credit reporting agencies have changed their erroneous reporting. I have all pertinent legal documents justifying the points made here today and they can be furnished upon request. All creditors final balances are paid back in XX/XX/XXXX or XX/XX/XXXX of XX/XX/XXXX. The last delinquency on all accounts were XX/XX/XXXX. I think its about time to let me off the hook on the account. Its the only one holdimg me back from rebuilding my credit. Could you please help me in getting Santander/XXXX/XXXX card services to report accurately. Thank you, XXXX XXXX
Consumer complaint received 2024-11-15
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 2024-11-15
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding the inaccurate late payments reported on my credit file maintained by TransUnion. These late payments misrepresent my creditworthiness and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are incorrect. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts, including this XXXX XXXX XXXXXXXX account ending in XXXX. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments is a violation of my rights under the FCRA, specifically 15 USC 1666 ( b ), as it misrepresents my credit history and falsely impacts my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : This inaccurate reporting may also constitute a violation of the FDCPA, which protects consumers from misleading representations regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate and fair reporting of credit information.

Additionally, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 of the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies and information furnishers to correct any inaccurate or incomplete information in consumer credit reports, ensuring maximum accuracy. Furthermore, sections 15 U.S.C. 1681n and 1681o outline civil liabilities for willful and negligent noncompliance with the Act, providing for actual and punitive damages. 
Summary of Errors on Account 30-Day Late Payment : Listed as late for XX/XX/XXXX, but payments were made on time via autopay. 
60-Day Late Payment : Listed as late for XX/XX/XXXX, which is also inaccurate, as I maintained timely payments. 
Account Description : The account is inaccurately described as closed due to Sincerely, XXXX XXXX XXXX XXXX, though I have been an active customer and regularly made payments. 
Account Status : The account status is Closed but should accurately reflect my active status as an on-time payer during the disputed period. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. All entries should be updated to accurately reflect my 100 % on-time payment history. 
I expect to receive written confirmation of these corrections within 30 days of this complaint submission. Failure to resolve this issue may lead to further actions to protect my consumer rights. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-15
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. (WI)

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts, and I have no knowledge of their origin. Under USC 1681g, I am formally requesting their removal within 15 days. I have included relevant documents for your review and reference.