davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 XX/XX/year> 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
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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. XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-06-20
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. (CA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$83.00} Account Name : XXXX Account Number : XXXX Balance : {$200.00} Account Name : XXXX Account Number : XXXX Balance : {$290.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$2500.00}
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I noticed since XX/XX/XXXX that you have charged off my loan on my XXXX XXXX XXXX, but I never received a 1099 for the balance you reported to the IRS in the amount {$6400.00}. Could you please forward a 1099 to me immediately or update my balance with all credit-reporting agencies to XXXX? You will find my email address in the information section below.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My account with XXXX 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 XX/XX/year> to be removed. 

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

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


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

My account with XXXX XXXX - 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 me 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.

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 163
7 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-10-27
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: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NY)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
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: Experian Information Solutions Inc. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contacted each Bureau by telephone and thru Certified mail to assist in the accurate reporting of data on my credit file. There's an account being reported on my credit file of a Past Due balance in the amount of {$15000.00} owed to XXXX XXXX which, is a charged off account. I asked countless times for them to correct the error in reporting the past due balance but, in response to my phone call i only got an updated report with the same information reporting on my credit file and with a note saying, '' Consumer disagrees with dispute resolution ''. 
I also pointed out how each bureau was showing a different active date for this account after the account was supposed to be verified as accurate.I humbly told them that they should be reporting accurate and verified information on my file and anything else would be a violation of the Fair Credit Reporting Act However, they continue to furnish this information.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

Us bank sent letter dated XX/XX/21 stating they mailed cashiers check for {$150.00} for my timely submitted fraud because they closed account. I called us bank XX/XX/21 and XXXX could not find closed account or say information. I have not received my {$150.00}.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I XXXX, XXXX XXXX Agent FOR XXXX XXXX XXXX, beneficiary ( XX/XX/2023 ) have placed numerous complaints with EXPERIAN through the CFPB about the inaccurate reporting of non public information. The continuous sharing of inaccurate, non public information without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. 

Please See Attached Documents
Consumer complaint received 2024-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I hope youre doing well. I have an existing XXXX XXXX Spend and Savings account. XXXX XXXX always tries to push the XXXX XXXX XXXX XXXX on their customers. I received an email from XXXX XXXX XXXX XXXX that, I had a line of credit of {$1000.00} to use. They would take {$10.00} up to {$80.00} to pay towards any of the {$1000.00} credit I used. I didnt like how the XXXX XXXX XXXX account was set up or how it worked. I called their customer service department several times to understand how I thought the program worked.. I needed this to make since as to how having this account would be beneficial to me. I could never get a concrete explanation that made me feel comfortable as a consumer. So, I verbally cancelled this XXXX XXXX XXXX account on XX/XX/XXXX. I then followed up with an email to the XXXX XXXX XXXX XXXX customer Service Department. I just noticed on my Transunion, XXXX and XXXX credit reports that XXXX XXXX reported my account as a charge off. This is a false statement. I closed the account. They didnt close my account. After closing the account, I was just reimbursed the {$10.00} on XX/XX/XXXX that was set to be sent back to me 7 days after closing the account. The fee from this account took longer to be reimbursed back to me. Please delete the false account indicating I defaulted. This isnt true. I have the proof to support my concerns. I wasnt in default. They didnt close this account. I did. I have sent you the proof. It is reported on my TransUnion as a collection in error.
Consumer complaint received 2024-06-20
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. (NY)

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 

I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Consumer complaint received 2019-07-10
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: Innovis (MI)

I recently received and closely studied a copy of my credit report. To my dismay, it seems as though CBCINNOVIS is reporting an alleged Inquiry for date of service XXXX XXXX XXXX XXXX that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi XXXX ; Transunion ; A Bankruptcy is public information, Again, the XXXX Bankruptcy XXXX DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Notably, your recent investigation does not specify the data furnisher 's name ; it simply indicates that the information is certified as accurate. I am curious about the source and method of certification. 

I kindly request that you validate this information and provide copies of any associated documentation with my signature. I formally request the immediate deletion of this information from the credit file associated with my social security number. Please be aware that I am closely monitoring my credit file, and you have precisely 30 days, in accordance with the Fair Credit Reporting Act XXXX ( a ) ( XXXX ), to complete this investigation. I will maintain meticulous records of all actions concerning my file. 

Failure to respond satisfactorily within 30 days of receiving this certified letter will compel me to pursue a small claims action against your agency. In such an event, I will seek {$5000.00} in damages, which XXXX include but are not limited to : Defamation Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Your prompt and thorough attention to this matter is greatly appreciated.
Consumer complaint received 2024-06-20
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. (FL)

My information was stolen and my credit card was hijacked. I have reported this to XXXX and I keep calling but they tell me to wait until I hear back from them. They just reported that I have not paid my bill to the creditor but they are not informing me of anything that is going on. I dont understand why they are reporting me for not paying my bill while they are investigating.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

on XXXX XX/XX/23 i had received my credit report and noticed that there were multiple inaccurate information in my personal information section. Due to the concerns of Identity thief of which I had experience in the past, I requested for all inaccurate information be remove only leaving 1 name, 1 Address, 1 phone # to assure that my personal information would not be leak. I submitted a dispute this with Experian Report # XXXX! and on XX/XX/23 a resolution was posted, and my account was updated and the incorrect names and addresses were removed. On XX/XX/23 a resolution was posted for inaccurate information on my account with XXXX XXXX XXXX. # XXXX and my account was updated. Again on XX/XX/XXXX i had realized that i had was hacked, and in my efforts to trace the hack and change my password to my account, received another credit report and noticed that i had the same inaccurate information previously removed, are back on my report. and multiple late payments were been reported. this had lead my Credit profile to plummet from a XXXX score to a XXXX. I did reach out to my XXXX XXXX and was able to result the matter and all late derogatory was removed. I had done the same to Experian as well and and they have refused to removed the negative marks and also illegally refused to remove the inaccurate information previously removed. they have violated my right in multiple counts Under the Fair Credit Reporting Act 15 USC 1681 15 USC 6801 Protection of none public information 15 USC 6802 Obligation with respect to discloser of personal information 15 USC 1681N Civil liability for willingly none compliance Defamation of Character. Due to this incident i have lost an XXXX account that i am unable to get back because of the effect on my credit scoring and negative marks