davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-24
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)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXXXXXX XXXX Balance Owed : {$5600.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$5000.00}
Consumer complaint received 2024-09-20
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. (FL)

I am in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated and be provided with methods used to verify the account and names of individuals. As well as documents showing my signed consent/agreement. The inaccuracies are highly injurious to my credit score, and financial well-being. 

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 accounts so that I may follow up. Please send me an updated copy of my credit report after your investigation. 

This account was charged off on the following date [ XX/XX/year> ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the XXXX XXXX account.
Consumer complaint received 2024-09-24
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. (NY)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXXXXXX Balance : {$11000.00}
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX and the credit bureaus regarding the inaccurate reporting of my credit information. Despite my persistent efforts to resolve this matter, I have encountered significant challenges that remain unaddressed. 

Details of the Complaint : - Account Name : XXXX XXXX XXXX - Account Status : Reported as open ( should be reported as closed ) - Transfer Date : Sold back to Southeast Mortgage in 2023 - Nature of the Issue : XXXX XXXX XXXX continues to report this account as open on my credit report, despite it being sold back. This misrepresentation is adversely affecting my credit score and financial standing. 

Legal Basis : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute inaccurate information and request that the credit bureaus conduct a reasonable investigation. However, despite multiple disputes filed with the credit bureaus, my concerns have not been adequately addressed.

2. Accuracy Requirement : The FCRA mandates that consumer reporting agencies must ensure the accuracy of the information they report. XXXX XXXX XXXX is also obligated under the FCRA to provide accurate information to the credit bureaus. Their failure to correct this erroneous reporting is a violation of the law. 

3. Failure to Investigate : In accordance with Section 611 of the FCRA, upon receiving a dispute, the credit bureaus are required to investigate the matter. My repeated attempts to have this issue investigated have been met with inadequate responses, and the incorrect information remains on my credit report. 

The negligence displayed by both XXXX XXXX XXXX and the credit bureaus has caused me significant distress and has negatively impacted my creditworthiness. I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against both parties for their failure to comply with federal regulations regarding credit reporting. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-20
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-09-20
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)

This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 
XXXX XXXX {$18000.00} XX/XX/XXXX XXXX XXXX XXXX  {$5900.00} XX/XX/XXXX XXXX XXXX  XXXX {$8100.00} XX/XX/XXXX XXXX XXXX  {$14000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  {$420.00} XX/XX/XXXX XXXX  XXXX {$9100.00} XX/XX/XXXX XXXX XXXX {$820.00} XX/XX/XXXX XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX  {$24000.00} XX/XX/XXXX
Consumer complaint received 2024-09-20
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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2024-08-26
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX  : XXXX
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: EQUIFAX, INC. (GA)

I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXX XXXX XXXX opened XXXX XXXX amount XXXX but the federal law states the social security number belongs to the XXXX and anything purchased with that identifier number is in obligation of the United States XXXX XXXX means that anyone attempting to collect a debt from me is guilty under the false claims act [ XXXX XXXX XXXX XXXX XXXX I also was required to put money down for the transaction title XXXX XXXX sec XXXX all debts are United States XXXX and there is plenty more laws made by XXXX XXXX protect me as the consumer XXXX XXXX XXXX states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a XXXX XXXX XXXX banks cant loan money because theyre the borrowers. XXXX XXXX tell us how to use a negotiable XXXX XXXX XXXX. XXXX XXXX they arent supposed to report transactions XXXX XXXX XXXX I am the original creditor. XXXX XXXX XXXX finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of XXXX XXXX, XXXX XXXX of the XXXX XXXX, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since 1933 knowingly and willingly deceives the XXXX XXXX for XXXX gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with TransUnion 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.

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.

TransUnion 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-09-20
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. (MA)

Hi XXXX, I am writing regarding two accounts for a XXXX XXXXXXXX XXXX that remain inaccurately reported on my credit report. These accounts were involved in prior litigation, and the court ruled in my favor, with a commitment from your company that the lien would be released and my credit report corrected. It has now been two years, and despite this ruling, the accounts are still inaccurately and incompletely reflected on my credit report. 

During a recent vehicle financing process, it was brought to my attention that these accounts remain uncorrected, which is in clear violation of my rights under multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Inaccurate Reporting 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( B ) : Failure to Verify Information 15 U.S.C. 1681s-2 ( b ) ( 1 ) : Failure to Update Account Status 15 U.S.C. 1681c ( a ) ( 4 ) : Outdated Information 15 U.S.C. 1681s-2 ( a ) : Incorrect Date of Last Payment 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to Include Consumer Dispute Notice These accounts are reporting multiple inaccuracies, including outdated dates, incomplete information, and an incorrect account status. Attached is documentation from the original creditor, clearly stating that the accounts would be corrected within 15-20 business days. To date, this has not been done. 

I request the immediate deletion of these inaccurate entries and a prompt resolution of this matter. Failure to correct these violations is a clear breach of the FCRA, and I expect this issue to be addressed without further delay. 

Thank you for your attention to this serious matter, and I look forward to your prompt response and confirmation of the deletion.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX {$19000.00} XXXX XXXX XXXX {$4300.00} XXXX  XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$500.00} XXXXXXXX XXXX XXXX XXXXXXXX {$8100.00} XXXXXXXX XXXX XXXX XXXXXXXX {$5800.00} XXXXXXXX XXXX XXXX XXXXXXXX {$12000.00} XXXX XXXX XXXX {$71000.00} XXXX XXXX XXXXXXXX {$37000.00} XXXX XXXX XXXX {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXX {$21000.00}
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed on Time : I made the payment on time, but it was not credited correctly, resulting in a late payment entry. I have attached the payment receipt and a bank statement showing that the payment was made well before the due date. 
XXXX XXXX : I had set up automatic payments through my bank, and this particular payment was deducted from my account on time. It appears there was a technical issue between my bank and XXXX XXXX, which caused the delay in posting the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-25
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: EQUIFAX, INC. (NV)

The following inquiries are reporting on my credit report and have no permissable purpose. They were not authorized to get a copy of my credit report. 

XXXX XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX XXXX  inq date : XX/XX/XXXX XXXX XXXXXXXX XXXX inq date : XX/XX/XXXX XXXX XXXX  inq date : XX/XX/XXXX XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX  XXXX inq date : XX/XX/XXXX XXXXXXXX XXXX  inq date : XX/XX/XXXX XXXX inq date:XXXX XXXX  inq date : XX/XX/XXXX XXXXXXXX XXXX inq date : XX/XX/XXXX XXXX XXXX inq date : XX/XX/XXXX According to the FCRA Section 605B It is illegal to report information on my credit report without my permission.
Consumer complaint received 2024-09-23
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. (CO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.