davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I applied for this credit card around two years ago when I was at a job that was paying me more than my current job. I worked more hours at that job, but I had to quit because it affected my school performance for the worse. I got a better job afterwards that accommodated my lower hours, but of course, I'm paid much less. My previous job paid me at least {$160.00} every bi-weekly paycheck and my current job now pays me around {$80.00}. I struggled to pay minimum payments for a few months because I was going through a tough situation concerning my mental health so making a monthly payment had been a problem, so of course, the minimum payment increased. It is now {$75.00}. I've been looking for other jobs that would pay me more while still balancing my full-time position at school, but it's a struggle to have such a big blow to my money since I have to pay for food and parking at school as well.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (TX)

Around XX/XX/2018 loan became delinquent since then this company has been reporting late payments every month which is illegal by law after 180 days account should be closed payment history has multiple innacuracies i disputed the innacuracies with credit bureaus and the came to the conclusion that it was " verified '' how can I go from 120 days late to 30 days late that is innacurate reporting I also requested proof of how this account was verified and how they determined it was accurate which i never received On a account that is in collections i contacted the company on fixing the issue and they refuse to take responsibility and update/remove this account I am asking that this account be removed from my credit report as it is being reported illegally and going against my consumer rights and failing to verify the accuracy and is negatively affecting my credit i am trying this last resort before seeking legal help. below I have attached copies of how it is being reported differently on each bureau thank you.
Consumer complaint received 2024-06-24
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)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-25
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. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-06-24
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. (GA)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account with XXXX XXXX on XX/XX/XXXX. A car loan with XXXX XXXX XXXX on XX/XX/XXXX. A credit card with XXXX XXXX Bank XXXX on XX/XX/XXXX. A credit card with XXXX XXXX on XX/XX/XXXX. A car loan with XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX credit cards on XX/XX/XXXX and XX/XX/XXXX. A XXXX XXXX credit card on XX/XX/XXXX. A XXXX XXXX account on XX/XX/XXXX. A XXXX account on XX/XX/XXXX. An account with XXXX XXXX XXXX XX/XX/XXXX. A car loan with XXXX XXXX XXXX on XX/XX/XXXX. A XXXX XXXX XXXX account on XX/XX/XXXX. A collection account with XXXX XXXX XXXX on XX/XX/XXXX. Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. A collection account with XXXX XXXX XXXX on on XX/XX/XXXX. XXXX accounts with XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. A collection with XXXX XXXX XXXX on XX/XX/XXXX. A collection account with XXXX XXXX XXXX on XX/XX/XXXX. A credit card with XXXX XXXX Bank XXXX on XX/XX/XXXX. An account with XXXX XXXX on XX/XX/XXXX. A collection account with XXXX XXXX XXXX on XX/XX/XXXX. An account with XXXX Flags XXXX Georgia on XX/XX/XXXX. And a Bankruptcy on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-25
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. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-06-24
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. (FL)

Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n. 

Details of the Disputed Account : Account Name : XXXX Debt Validation Issues : The company to which the debt was sold, XXXX XXXX XXXX XXXX investigated and stated they can not validate the debt, hence they ceased collection efforts as indicated in the attached correspondence dated XX/XX/year>. However, XXXX continues to report the debt. This violates the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681s-2 ( b ) ), which requires furnishers to cease reporting information if it can not be verified.

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected, indicating potential willful noncompliance by the credit reporting agencies and XXXX. Under the FCRA ( 15 USC 1681i ( a ) ), credit reporting agencies must reinvestigate disputes and correct any inaccurate information. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages. 

Supporting Documentation : The letter from XXXX XXXX XXXX confirming they ceased collection efforts and can not validate the debt.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-06-24
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. (VA)

I looked at my credit report back on XX/XX/year> and noticed some things were not accurate. I sent a letter to TRANSUNION on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results on XX/XX/year> ( electronically ) and noticed they did not fix anything. This resulted in TRANSUNION breaking Federal Law. 

According to 15 USC 1681e ( b ) it states that ( b ) Accuracy of report- Whenever 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 who the report relates. 

So I then asked them to provide me a description of the investigation ( Tracking # XXXX ) according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure - A reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by no later than 15 days after receiving a request from the consumer for that description. TRANSUNION failed to complete this action. Due to this, TRANSUNION is breaking the described laws. 

TRANSUNION has violated the following : According to 15USC 1681i ( 5 ) - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; According to 15 USC 1681s-2- ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-06-24
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. (NY)

To Whom it may concern, I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 


Credit Inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX XXXX. XXXX XXXX is my husband. On XXXX XXXX XXXX XXXX purchased the loans and this was placed on my credit. On XX/XX/ via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the XXXX XXXX XXXX ; I found out these accounts were sold to XXXX. XXXX first denied it, but they purchased this account in the amount of {$27000.00}. This was an agreement between XXXX, US Dept of Education, and XXXX. Then on XXXX XXXX XXXX XXXXXXXX from XXXX stated, " XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) has reviewed your concerns. Following is history of the XXXX loans in question held by XXXX that match the first & last name, mailing address and email address provided by you on this complaint. '' XXXX stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date XXXX, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, XXXX provided proof to myself and XXXX that the nine accounts belong to XXXX XXXX. XXXX wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and XXXX. XX/XX/ the XXXX discount the amounts 107 %, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by XXXX, showing further proof that their records was and can be altered, .i.e. the account belonging to XXXX XXXX. These accounts were falsely generated.
Consumer complaint received 2024-06-24
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. (FL)

Re : Dispute of Inaccurate Information on Credit Report XXXX Account Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by XXXX  on my credit report. Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n. 

Account Name : XXXX Discrepancies and Errors : Incorrect Reporting of Account Status : The account shows it was charged off and subsequently sold, yet the original creditor continues to report it, despite the purchasing company ceasing collection activities. This violates 15 USC 1681e ( b ), which requires that consumer reporting agencies maintain the maximum possible accuracy of information. 
I have submitted this in a previous complaint. 

Balance and Past Due Amounts : The balance is reported as {$0.00} after a charge-off of {$3900.00}. This balance may include erroneous fees or charges that were not properly documented or validated, violating 15 USC 1681s-2 ( a ) ( 1 ) ( A ), which mandates furnishers of information must provide accurate information. 

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected, indicating potential willful noncompliance by the credit reporting agencies and XXXX. Under 15 USC 1681i ( a ), credit reporting agencies must reinvestigate disputes and correct any inaccurate information. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages.

Account Closure Details : The comment states the account was " purchased by another lender, '' yet XXXX continues to report the account. This is a violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ), which requires accurate reporting of account status.

Payment History Inconsistencies : The payment history reflects numerous charge-offs and past due statuses without clear updates, suggesting potential errors in the reporting timeline. This inconsistency violates the FCRA 's accuracy requirements as outlined in 15 USC 1681e ( b ).

Failure to Receive 1099-C Form : I did not receive a 1099-C form for the charged-off debt, which is required by the IRS when a debt of {$600.00} or more is canceled. Failure to provide this form is a violation of IRS regulations and affects the accuracy of my credit report. This also violates the FCRAs requirement for accurate and complete information as per 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ).

Debt Validation Issues : The company to which the debt was sold investigated and stated they can not validate the debt, hence they ceased collection efforts. However, XXXX continues to report the debt, which violates the FDCPA ( 15 USC 1692g ) and the FCRA ( 15 USC 1681s-2 ( b ) ), which requires furnishers to cease reporting information if it can not be verified.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MN)

I am writing to express my deep concern and frustration regarding a dispute case related to a transaction with the merchant XXXX XXXX XXXX, for the amount of {$1000.00}. Despite my efforts to resolve this matter with both XXXX and Discover, I have yet to receive a satisfactory resolution and feel compelled to seek assistance from the Consumer Financial Protection Bureau. 

On XX/XX/XXXX, I returned the package associated with the aforementioned transaction. I took the necessary steps to contact XXXX and initiate the return process. The tracking number XXXX confirms that the package was successfully returned to XXXX. Furthermore, XXXX themselves have acknowledged the return in the documents I provided to Discover. 

However, I find myself in a perplexing situation where Discover claims that I did not provide the return label for the transaction in question. I want to emphasize that I did indeed include all relevant documentation, including the return label, in the communication with Discover. It is disappointing to be met with this assertion despite providing clear evidence to the contrary. 

I am committed to resolving this matter in a fair and just manner. I believe that the evidence at hand, including the tracking information and the confirmation from XXXX, supports my case. I have made multiple attempts to communicate with Discover and have provided all requested documentation to validate my claim. Despite my efforts, I have not received the resolution I deserve. 

I kindly request the Consumer Financial Protection Bureau to intervene and facilitate a prompt and equitable resolution to this dispute. I have been a loyal customer and have diligently adhered to the necessary steps to address this issue. It is my hope that your involvement will bring this matter to a close and ensure that I am not unjustly held responsible for a transaction that has been clearly resolved. 

Enclosed with this letter, please find copies of the relevant documents, including the return label, tracking information, and correspondence with both XXXX and Discover. I am ready and willing to provide any additional information that may be required to expedite the resolution process. 

Thank you for your attention to this matter. I am hopeful that with the assistance of the Consumer Financial Protection Bureau, a favorable resolution can be reached promptly. I look forward to your prompt response.
Consumer complaint received 2024-06-24
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)

My accounts 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 to be removed/updated.

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

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

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

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