davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account with XXXX  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 in 60 days 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 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 XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

This address : XXXX XXXX XXXX XXXX XXXX XXXX TX Is NOT a valid or accurate address for me. I have contacted Experian numerous times about this violation, however they refuse to delete it. 

As a consumer, I have the right to accurate and fair reporting under the FCRA, and I request that you promptly investigate this matter and have Experian remove the inaccurate address from my credit report. 

Please be advised that the inclusion of inaccurate information on my credit report not only violates my rights as a consumer but also has the potential to negatively impact my creditworthiness. 

The other 2 credit reporting agencies are not reporting this address - by law all three should be reporting the same, accurate information. 

I have attached my license and a bank statement with my accurate address on it.
Consumer complaint received 2023-06-09
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. (CA)

I want to file this complaint with TRANSUNION. I sent them a letter dated XX/XX/2023, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information is still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction. 

XXXX : Company 's Response In your complaint, you request that information, including a bankruptcy, be removed from your XXXX Credit Report. You also claim that XXXX took more than 30 days to conduct a previous dispute investigation. In response to your complaint : Per your previous request, sent by mail dated XX/XX/2023 and XX/XX/2023, XXXX reviewed your request and informed you that all of the information referenced in your letter is not on your XXXX Credit Report. The investigation results were mailed to you in our letter dated XX/XX/2023, which means the investigation was completed on the same day your request was received. While XXXX does not have public records, such as bankruptcies, on our Reports, accounts on your XXXX Credit Report may still include a bankruptcy status. Currently, none of the accounts on your XXXX Credit Report include a bankruptcy status. 
You reference Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), which permits a consumer reporting agency to furnish a consumer report at the written request of the consumer. However, that is not the only section that authorizes a consumer reporting agency to furnish a consumer report. Section 604 ( a ) lists several scenarios where a consumer reporting agency may provide a consumer report to a third party, including in connection with a credit transaction ( Section 604 ( a ) ( 3 ) ( A ) ). All of the other information referenced in your complaint is not on your XXXX Credit Report. The investigation results have been mailed to you separately. Please visit our XXXX XXXX on XXXX for more information regarding your XXXX Credit Report.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Please delete the following account : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Terms Duration has missing information and BSCF20 Compliance Condition Code : questionable date please delete error. 
I have unauthorized inqiures with companies that I have never apply for any accounts for business or lines of credit with please delete the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE FOLLOWING ADDRESSES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-20
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: Experian Information Solutions Inc. (NJ)

I have numerous inquiries and addresses and an account that I do not recognize and do not belong to me. I contacted the 3 credit bureaus to remove them and they told me to do a Identity theft report and they would not remove them.
Consumer complaint received 2024-07-12
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: EQUIFAX, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian po box XXXX XXXX, TX XXXX Dear sir, Today, I received two emails from your company again. One email state another report # XXXX from XXXX. Still, it contains the portion in question that I am on XXXX  for XXXX, which I have requested the clear explanation to respect a XXXX nationality. 

Next, in the second email ( XXXX ), your company asked to submit : One copy of a utility bill, bank or insurance statement, etc. As far as I understand, your company needs to verify the name, telephone number, and address, and the drivers license copy, which I submit before, must be enough to verify this information. I wonder why your company has authority to ask the XXXX nationalitys personal information. 

Since your company must have all information to write the report, you must have my information of full name, social security number, date of birth, and complete addresses of the past two years, since I read all information in your credit reports. You must have them. I wish you will not repeat same questions many times to avoid the confusion and irritation. 

Sincerely,
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/XXXX, I received a credit alert from XXXX that a new line of installment loan of {$300.00} was opened in my name and my credit score dropped by XXXX points as a result. Due to this information, I activated a credit fraud identity alert to all the credit reporting agencies and also put in a freeze in my credit report to ensure no unauthorized loan is opened in my name until this issue is sorted out. 
I later reported the issue to XXXX XXXX XXXX XXXX about an unauthorized installment account that was opened in my name and that they should investigate and removed that account from my credit report since it is an unauthorized and fraudulent account. To my surprise, XXXX XXXX XXXX XXXX reported back to me through email that they have concluded their investigation and the account was reported correctly ( see attached ). 
I have issued another complaint to XXXXXXXX XXXX XXXX with more information but they still not willing to close this account and report back to the credit monitoring bureaus so that it can be taken off my credit score. 
Please kindly assist in this regard. Thanks
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit report and score from all three bureaus are incorrect. With XXXX leading from the three bureaus with a incorrect report and score. My score from XXXX is currently at a XXXX using the XXXX score XXXX. 
XXXX reports my XXXX card balance at {$190.00}, this is incorrect information. I had XXXX send two different off cycle reports ( XXXX and XXXX of XXXX ) to XXXX stating the XXXX balance and no changes have been made. My monthly cycle statement has not been reported either and that automatically should report by the XXXX of every month. 
XXXX uses the scale model XXXX XXXX for scoring reports. Credit utilization makes up 20 % of the model scale equal to XXXX points from the most of XXXX points The incorrect balance of {$190.00} dollars from my XXXX card uses XXXX  % of my utilization taking away XXXX points from XXXX points leaving me with a XXXX  XXXX score of XXXX scoring points. 
This information needs to be updated and corrected, thank you.
Consumer complaint received 2024-07-19
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. (MI)

After checking my credit report I see that XXXX XXXX opened on XX/XX/2023 is still being reported fraudulently without my consent.Someone must have used my information to open up the account and communicate with the company but it was not me. No product good service or money was ever received from this supposed transaction. Please note the email, address and phone number on file does not correspond with my actual email, address and phone number which is XXXX Phone number XXXX identity has been stolen and used due to identity theft data breaches and lost/stolen ID.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-19
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)

I was wondering why I couldn't afford even a slight help from a XXXX  but then I remember that my loans are all getting declined because I do not have a credit score enough to get one. This is because inaccuracies are being reported on my file.
Consumer complaint received 2024-07-19
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. (TX)

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 2024-07-19
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. (MI)

Someone has used my information to make fake ids and other forms of identification to impersonate me and fraudulently acquire a vehicle through XXXX. I have no knowledge of, nor have i ever conducted any business with XXXX, and I have never resided at the address listed on the fraudulent agreement.It is possible that this resulted from a data breach which allowed the person to access some of my personal information without my consent.Being falsely associated with fraudulent activity and defaulted payments on a vehicle i did not acquire has damaged my reputation both personally and professionally .It has caused significant emotional distress and affected my ability to secure loans and other financial products.Under the Truth in lending act ( TILA ) and FCRA I am protected against unauthorized use of my credit information. These laws mandate credit reporting agencies investigate and correct any inaccuracies and unauthorized entries due to identity theft.
Consumer complaint received 2023-11-20
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. (TN)

I received an email notice from Experian on XX/XX/2023, that they were done investigating my dispute regarding an alleged XXXX XXXX XXXX they say I filed being listed on my consumer report under the public records section. Experian has consistently stated that this information was verified by XXXX which is a third-party seller of information. Well on XX/XX/2023, XXXX conducted an investigation and verified with me and the CFPB that they have no record of Bankruptcy case number XXXX being reported in my file. Here are the exact words! 

In an effort to resolve her concerns, XXXX initiated a dispute of bankruptcy record case number XXXX on XXXX XXXX behalf. During our investigation, XXXX verified that bankruptcy record case number XXXX is not reporting in XXXX XXXX XXXX file. 

In an effort to resolve XXXX XXXX concerns, XXXX initiated a dispute of bankruptcy stated above with the nationwide consumer reporting agencies on her behalf. 

Then instead of posting their findings here for the CFPB to view they mail them out claiming to have done a proper investigation to avoid being fined by the CFPB because the evidence is also being provided to them and they ignore it.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have account that are not accurate and possibly fraudulent as to I have never done any business with the following companies : XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have requested documentations and proof of claims from all of the above companieswhich I have no records of ever doing any business or establishing any contracts for business with the above Third Party collections agencies. Pleasedelete the account at once.
Consumer complaint received 2023-10-03
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)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-07-19
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)

I looked at my report back on XX/XX/2024, and I noticed some things are incomplete or not accurate. According to the fair credit report act, when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the repost relates. These accounts [ XXXX XXXX, XXXX ] and [ XXXX XXXX XXXX, XXXX ] are not complete and accurate. 

[ XXXX XXXX, XXXX ] open date is not reporting correctly, the balance, date last active, and date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX, XXXX ] open date is not reporting correctly, the balance, date last active, and date of last payment is not correct, this account is not accurate.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In the origianl dispute-complaint submitted : ID XXXX, TransUnion was informed it XXXX breaking the law by not taking action based on a phone conversation I had with XXXX people on their team. According to TransUnion reps, it was my responsibility to conduct my own investigation regarding the removall of possible fraudulent inquiries, and therefore no investigation would be opened by TransUnion, as hard inquiries are a [ matter of record ]. I next submitted the above complaint ( ID ) and opened a complaint-dispute via the CFPB portal , believing that it would force TransUnion to take expedient actionto open a proper and diligent investigation or expediently remove the listed inquiries in the attached document. Not only did TU not take action, it literally has set on the dispuet since it was filed on XX/XX/year> - that would be 18 days ago. 

I spoke to TU again yesterday, ensisting they get off the dime, and resolve my dispuet immediately. Different than my original call, the gentleman I spoke with yesterday ( XXXX ) was transparant, ultimately informing me that to have the associated hard inquiries removed, what I needed was valid documentation. In other words, filing a dispute-complaint via the CFPB portal with an attached letter was not sufficient. He made it quite clear that I needed to file a fraud-identity theft complaint via the FTC, and that would be considered acceptable evidence. Thus herein is the attached report, along with the original letter I filed listing the hard inquiries not authorized, so they can be expediently removed, and TU would be forced to perform its lawful duty, because the FTC will hold them responsible for sitting on my request for up to 30 days, doing nothing to resolve.