davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
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. (NJ)

Subject : Request for Removal of 30-Day Late Payment Due to Nationally Declared Disaster Dear Sir/Madam, I hope this letter finds you well. I am writing to humbly request your assistance regarding a financial hardship that occurred during the nationally declared disaster in XXXX, which I addressed with XXXX. My intention is to seek your understanding and compassion in addressing a 30-day late payment that has continued to cause a significant financial burden. 

During the declared disaster in XXXX, our household was severely impacted by the COVID-19 pandemic. Several members of my family, including myself, XXXX XXXX XXXX, which led to an inability to work and maintain regular income. As a result, despite our consistent efforts to manage our finances responsibly, we fell behind on one bill payment during this challenging time. 

The 30-day late payment, which occurred during this period of extreme hardship, was an isolated incident in an otherwise impeccable payment history. The account in question has since been paid off, and I have continued to uphold responsible credit practices. However, this single late payment has had a lasting negative impact on my credit report, affecting my ability to secure financial stability for my family. 

I am appealing to your sense of fairness and humanity to consider the extraordinary circumstances that led to this oversight. The COVID-19 pandemic was a time of unprecedented struggle for many, and I believe that showing compassion and understanding in such situations aligns with the principles of the Consumer Financial Protection Bureau . 

I kindly request the removal of the 30-day late payment from my credit report as a gesture of goodwill and recognition of the hardships faced during the nationally declared disaster. This adjustment would not only alleviate the ongoing financial burden but also allow my family and me to move forward from a time we would prefer to leave behind. 

Thank you for considering my request. I sincerely hope for a favorable resolution and am willing to provide any additional information or documentation that may be required. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2024-07-03
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. (PR)

XXXX XXXX XXXX XXXX XXXX / XXXX 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. 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 dredit report after your reinvestigation.
Consumer complaint received 2024-07-03
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. (WI)

In accordance with the fair credit reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681. 

I told XXXX, TransUnion, an XXXX to reinvestigate these accounts. 

XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX 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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account ; XXXX XXXXXXXX XXXX XXXX  account number ; XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-07-03
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. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-07-03
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)

This account was charged off on XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to investigate this account properly and your neglect has violated my rights that I exercised from 15 U.S. Code 1681i. I am demanding a deletion of the following account : XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-07-03
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)

I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to two years in prison and civil liability.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am disputing all items named in this letter and pursuant to 15 U.S. Code 1681a ( m ) that express The term credit '' that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account. Therefore, under Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. But XXXX did not do this and has been reporting negative information.
Consumer complaint received 2024-07-03
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. (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6. Which states I have the right to privacy and consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-03
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. (CT)

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 inructions 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. 

These are the inquiries which should be off from report. 
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 2024-07-03
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. (MI)

Transunion is reporting a collection account that was paid in full with the original creditor before the collection agency starting reporting the account as a collection and I have received a letter of verification stating that the account was paid in full and that it was a error of miscommunication and the collection agency requested the account be removed from my transunion report immediately. Ive submitted the letter to transunion and the account is still reporting on my credit report.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 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 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 2024-07-03
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)

XXXX XXXX was a creditor and unfortunately due to divorce I defaulted on this loan. I tried different ways to pay or negotiate the debt down. Eventually XXXX XXXX  stopped communicating and charged my account off. They wrote it off 2022. It was charged off {$0.00} due. This creditor updated my credit report in 2022 when it was charged off and my credit score took a XXXX point loss instantly. 4 other creditors did this charge off/write off and again around the same time frame which sank my credit score for months and months. As I worked to rebuild from this and a divorce my credit score came back up and I was finally able to get new credit and lower interest rates. The XXXX charge off and written off accounts started to resubmit the information it had already submitted as charge off before and hurt my credit by XXXX points but now did it again and again. A bankruptcy hits one time how can a charge offf debt continue to update as new and continue to bring your score down. Its written off, its not even recognized as debt for mortgage lenders because its already been charged off years ago and written off. Please stop these companies from purposely hurting credit over and over as a collection weapon.
Consumer complaint received 2024-07-03
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)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-03
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. (GA)

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 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-07-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (MD)

I called Truist over a few months ago to call in regards my concern about the cash reserve. The customer service rep on the other side told me that I could switch to manual. Upon hearing this I asked him if I would face any penalty or late fees. he gave me misinformation and said that there would be none and I could pay when I wanted to. I trusted them as I am currently in a financial rut paying bills and needed some time before I could pay it back this past Tuesday. I then get an email telling me that I would have my wages garnished ( no date given in email threat ). I called the next day to get a more clearer answer. I was told that I would have until XX/XX/XXXX to pay my late required payment. a few days later my account would be hacked. Money would be stolen and I called Truist to get my funds back. On top of that I wake up Sunday morning and I find out that my account went from XXXX to XXXX due to them taking out XXXX and made sure to do it on a day that I would not be able to call them back and ask questions. They gave me wrong information. did not tell me how long I had and then lied as to how long I had to pay these services back. I want a full refund and my original date honored which is XX/XX/XXXX to make the late payment or it all completely shut down due to this violation of customer service.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America claim # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX I have put in multiple claims to get my money back that was stolen out of my account! I have explained to bank of America numerous times that I lost my phone and someone that lived in the same area as me found it and was able to change all of my I formation on my XXXX account and get a card issued to their address in my name and collected the money from the claims above. I did after about a year of fighting with XXXX get back into my account and was able to see that the person who stole my money lived in the same neighborhood as I did and was using the same bank as I was before they stole my money! I have reported a fraud report to edd! And I have never changed my address to the address of the person who stole my money via the USPS. I have not reported this to the police as I'm afraid they were gang members and am in fear of retaliation! I have told Bank of America numerous times that I did not give anyone authorization to use my card at any time! My information was stolen only XXXX time by XXXX person and as a result they were all XXXX to take all of the money above in the claims that I have put in to Bank of America!
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXX XXXX XXXX account ( Account Number : XXXX ). The report lists a balance of {$23000.00}, balance updated on XX/XX/XXXX, original balance of {$40000.00}, paid off XXXX  XXXX XXXX XXXX monthly payment, an account was opened on XX/XX/XXXX, with the last payment date of XX/XX/XXXX, terms 84 months, status open, and responsibility individual. The payment history shows 40 late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

Dear Agency, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. 

I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX