davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

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


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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 8
Consumer complaint received 2024-07-30
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. (TX)

I am writing to express my deep concern regarding several inaccuracies present in my credit report, which have been the subject of previous disputes submitted by me on multiple occasions. Despite my efforts to resolve these discrepancies, the disputed accounts remain uncorrected, causing significant harm to my credit standing and overall financial well-being. 

Specifically, I am disputing the following accounts : [ List the disputed accounts with details such as account numbers, creditor names, and the nature of the inaccuracies ]. These accounts are erroneously affecting my credit score and are hindering my ability to secure credit and other essential services. The impact of these inaccuracies has been profoundly detrimental, leading to undue stress and financial hardship. 

I kindly request a thorough investigation into the reporting of each disputed account. It is crucial that the necessary corrections are made to reflect accurate information on my credit report. Please provide written confirmation of the results of your investigation, including the actions taken to address these errors. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and expect a prompt and fair investigation. I urge you to prioritize this matter and expedite the resolution process. Your prompt attention to correcting my credit report will be greatly appreciated and will help restore the integrity of my financial records. 

Thank you for your time and assistance in resolving this urgent matter. I look forward to your swift response and a resolution to this issue.
Consumer complaint received 2024-09-15
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. (PA)

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 XXXXXX/XX/year>
Consumer complaint received 2024-09-15
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1661. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. Account to the fair credit reporting act 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 whom the report relates according to 15 USC 1981 ( e ) ( b ).

And according to 15 USC 1681i ( 5 ) they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed. And this is my 5th attempt
Consumer complaint received 2024-07-30
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)

This evening, I noticed that incorrect accounts have appeared on my credit report, and I have no idea why. When I checked my credit report as usual, there were unexpected discrepancies. I refreshed my browser, hoping it was just a glitch, but the incorrect accounts remained. Because of this, I request that the documents I've sent be thoroughly reviewed so I can have peace of mind.
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (CT)

I had a conversation with Midland Credit Management on XX/XX/XXXX, regarding my outstanding debt and explained the severe financial and health challenges my family has been facing for the past six years. My wife has a serious health condition, requiring us to travel out of state for proper care, and we've had to pay for medications and physical therapy entirely out of pocket because our insurance won't cover it. The costs have been overwhelming, and on top of that, my wife struggles with mental health, including XXXX XXXX  at times. 

Additionally, my own health issues have significantly impacted my ability to work enough hours to earn what we need to survive. In XXXX, I sold our home to pay down debts, and in XXXX, I lost my job, which has made our financial situation even more difficult. Despite explaining these hardships, the debt collector refused to consider these circumstances when discussing payment arrangements.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX I notice my credit score dropped. 
XXXX XXXX XXXX XXXX had reported the same XXXX  loans again for the second time. 
So it's showing doubled the amounts on my credit report that have already been reported. 

The amount is also for the full amount instead of the amount that I actually owe. 

I only owed about {$70000.00} for XXXX but now my credit report is showing {$130000.00} for XXXX.
Consumer complaint received 2024-08-23
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. (VA)

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 XXXX party. They in fact did not come from a XXXX 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 2024-09-26
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-23
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. (MO)

New Ftc Complaint THIS IS NOT A DUPLICATE TO : Experian IT'S IMPOSSIBLE TO VERIFY THESE ACCOUNTS AS MINE, BECAUSE TGEYVE BEEN OPENED FRAUDULENTLY. 

Subject : Re-Dispute : Improper Use of Information To Whom It May Concern, I XXXX XXXX XXXX writing to dispute the improper use of my information. The following accounts are not mine and have been included in my previous FTC complaint ( # XXXX ). I have no knowledge of these creditors, and I request that they be removed from my credit profile : XXXX. XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - Balance : {$300.00} - Status : Account charged off. {$300.00} written off. {$190.00} past due as of XX/XX/XXXX. 

XXXX. XXXX # XXXX - Date Opened : XX/XX/XXXX - Balance : {$9200.00} - Status : XXXX. {$9200.00} past due as of XX/XX/XXXX. 

Additionally, the following accounts are fraudulent, submitted without my knowledge, and should be removed immediately : XXXX XXXX XXXXXXXX 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 These accounts have also been included in my FTC complaint ( # XXXX ). 

According to 15 USC 1681b - Permissible Purposes of Consumer Reports, these creditors do not have permission to report on my credit. I request that these items be removed promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

On or about XXXX of 2021. I had canceled my credit monitoring and alerts services with Experian. They even sent me an email claiming that stated " you cancelled your Experian membership ''. However, shortly thereafter Experian started charging my XXXX XXXX credit card account without my permission. Even though I had canceled my membership with them, they continued to charge my XXXX XXXX credit card without my permission. I have tried to contact Experian many times via their 800 number as well as online and they never respond. When you call their 800 number they ask you to verify random information that they claim isn't my authentication information only to be hung up on after being put on hold. Sometimes they just hang up. Since XX/XX/2021 they have continued to charge my credit card even after my credit card declines their charges, somehow they continue to get approval through XXXX XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

I am filing a complaint against Citibank regarding their failure to pay the monetary relief they previously offered, as detailed in my prior communications. The promised relief amounts and dates are as follows : CFPB Claim XXXX : {$120.00} CFPB Claim XXXX : {$440.00} CFPB Claim XXXX : {$730.00} It has now been three months since the last case was closed, and I have yet to receive the relief for these claims. As a result of Citibanks negligence in not crediting my account, I am incurring interest and late fees due to the incorrect balance. 

Citibank has only credit my account {$360.00} and I am demanding that the remaining monetary relief of {$940.00} be applied to my account within 10 business days. Additionally, I expect the removal of any accrued interest and late fees since my first claim closure on XX/XX/year>. 

I also request that any negative reporting to the credit bureaus be promptly removed. Furthermore, due to the ongoing issues and the distress this has caused, I am seeking an additional {$500.00} for the damages incurred, bringing the total amount of relief requested to {$1400.00}, plus any applicable interest and late fees. ( All to be applied to my account within 10 business days of receiving this complaint, if not I will seek double the amount ).

Attached you will see the 3 different complaints with the said monetary relief amounts. You will also have my last response to Citi Bank dated for XX/XX/XXXX, to which I have yet to receive a response back from them, which is why I am again filing another complaint. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

This debt collector has not provided notice of when the original debt occurred and submitted collection as of XX/XX/2020. I still do not recognize this debt from any prior purchases. This debt collector has sent invoice documents that I do not recognize since I never made any purchases through Paypal-Synchrony ( original debtor ). This collection notice needs to be removed from my credit report. I did not recognize this debt and don't understand how it was even opened for collections in XXXXXXXX XXXX so it can be related to identity theft.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (MI)

NY HESC failed to respond to CFPB complaint XXXX. NY HESC failed to comply with DOE directive to provide payment information for school loans they serviced on behalf of the DOE,  specifically for an exhibit XXXX school listed in XXXX XXXX XXXXXXXX ( XXXX ). NY HESC and DOE have been ordered by a federal judge to refund all payments made including tax XXXX and wage garnishments. NY HESC and DOE are in material breech of the settlement and their non-compliance has been reported to XXXX, the law group handling plaintiff concerns, so that appropriate action can be taken.
Consumer complaint received 2024-07-30
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. (MI)

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
Consumer complaint received 2024-09-26
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. (AR)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-09-14
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. (NJ)

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within four business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( e ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( 2 ), collection activities must cease regarding debts from this identity theft.