davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
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)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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 whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-07-16
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. (PR)

hard inquires that I did not authorized : XXXX XXXX XXXX XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
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. (GA)

Dear XXXX XXXX XXXX XXXX, I hope this letter finds you well. 

Upon recently obtaining a copy of my credit report, I identified multiple discrepancies that require your immediate attention. These discrepancies include unauthorized inquiries and conflicting information across different credit bureaus. Specifically, the discrepancies pertain to differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The accounts in question are as follows : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2023 XXXX XXXX Inquiry Date : XXXX XXXX, 2023 In accordance with 15 U.S. Code 1681e ( b ), which mandates the implementation of reasonable procedures to ensure the maximum accuracy of the information contained in an individual 's report, I request that you provide complete documentation related to these accounts. This documentation should include : The original contract bearing my wet signature. 
Full transaction history from the date of account opening to the present or closure. 
Any other documentation used to verify the accuracy of the accounts. 
Additionally, as stipulated under 15 U.S. Code 1681i ( a ) ( 5 ), in the event that any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency is obligated to promptly delete or modify the erroneous information and notify the furnisher of such action. 

I trust that you will conduct a thorough investigation into this matter. Should you be unable to provide verifiable proof within XXXX business days following your investigation, I expect the disputed accounts and/or information to be expeditiously removed. 

Enclosed, please find copies of my identification and a utility bill to verify my identity and address. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) 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 XXXXXXXX, 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 2024-07-16
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 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an issue with the reporting of a self-account on my credit score. The account in question is inaccurately reporting late payments, which has adversely affected my credit rating. 
Under the provisions of the Electronic Fund Transfer Act ( 15 USC 1693 et seq. ) and specifically under 15 USC 1666b, I am entitled to dispute and correct any inaccuracies in the reporting of my credit information. The self-account in question has been erroneously marked as late, despite my adherence to payment schedules and financial obligations. 

Here are the details of the accounts in question : - Name of Creditor : XXXX XXXX XXXX XXXX - Account Number : XXXX - Description of Issue : The account is showing late payments for XX/XX/year> I have taken the following steps to address this issue : - Contacted the creditor directly to request a correction. 
Despite these efforts, the inaccurate reporting persists, and I believe this is a violation of my rights under the aforementioned statute. This incorrect reporting has had a significant negative impact on my credit score and financial well-being. 

Therefore, I am requesting the following actions to be taken : 1. Conduct a thorough investigation into the reporting practices of. 
2. Correct the inaccurate information on my credit report to reflect the true and accurate payment history.

3. Provide me with a written explanation of the findings and actions taken to rectify this issue.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX  that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-07-16
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. (DE)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
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: EQUIFAX, INC. (VA)

I am filing this complaint regarding the inaccurate reporting of an auto loan by XXXX XXXX XXXX XXXX, which has negatively impacted my credit report. Here are the relevant details of the situation : 1. Loan Details : This was an auto loan for a vehicle that I traded in on XX/XX/scrub>XXXX XXXX XXXX  The dealership promptly paid off the loan to XXXX XXXX XXXX XXXX on XXXX XXXX XXXX using a check, which I will include in this report. 
2. Issue with Reporting : XXXX has been incorrectly reporting a XXXX late payment for this loan. I have been disputing this matter for several months, but XXXX continues to report false information. They have also changed the reporting details several times during this process. As of now, the following incorrect information is being reported on my credit file : First Delinquency Date : XX/XX/scrub>XXXX XXXX XXXX ( This is inaccurate. ) Date of Last Payment : XXXX XXXX ( This is inaccurate as well. ) Date Closed : XXXX XXXX ( While this is correct, the context is being misrepresented. ) 3. Incorrect Reporting Practices : According to my communication with XXXX, they claim the XXXX late payment is based on when my last payment was made. However, this should be based on my original payment due date, which was not 30 days past due at any time. I believe this reporting is a violation of accurate credit reporting standards. The account was in good standing, and the loan was paid off in full by the dealer within the appropriate time frame.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

The discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating to feel like my rights as a consumer are being ignored.
Consumer complaint received 2024-07-16
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. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 

The following are the inaccurate information reflected in my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-07-15
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. (NJ)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-07-09
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. (NJ)

I am writing to delete the following information from my file. The items I deleted are listed in the report. Please delete this items as soon as possible since they are affecting my ability to obtain credit. According to the FCRA section 605B It is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report now
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WI)

Unjust Enrichment of my Escrow monies on a new loan originated on XXXX XXXX. 
" I received your reply dated XXXX XXXX, XXXX. 
I still contest the ledger on my escrow account is wrong. The investigation is not conclusive in regards to my request because it does not address the core issue with the accounting of my escrow monies. The escrow transfer credit on line XXXX is the correct amount @ {$7000.00}, but these funds were intended to be paid out at the time of closing to our Village and our Insurance company for XX/XX/XXXX invoices. The estimated escrow payment at origination was and still is enough to cover all of the escrow expenses that have occurred, and the projected expenses for the near future, with the overage originally calculated and applied. 

Your letter is showing a negative adjustment to the escrow account for {$7000.00} ( I 'm assuming to fund the taxes and insurance ), which would put the escrow balance at {$1200.00} at the time of closing. But your reported escrow balance is not true because Nationstar did not pay the entire property tax bill at the time of closing. The starting escrow balance, and our escrow payments in XX/XX/XXXX were enough to fund the taxes and insurance for XXXX, XXXX, and will be for XX/XX/XXXX. ( Including escrow padding ) The amount of {$3400.00} was not an 'advance ' in XX/XX/XXXX, it should have been CREDITED from your stated escrow balance of {$8200.00}. And the tax payment was short, and I had to contact Nationstar to make the additional payment of {$2400.00} in XXXX XXXX - which is a LATE payment. This amount should also have been credited from the stated escrow balance. These XXXX payment total {$5900.00} to the Village of XXXX XXXX - not {$7800.00} ( as stated in your reply letter ). Also, at the closing Nationstar cut a check to XXXX for hazard insurance for {$1200.00}, which should have been credited from the escrow balance. Nationstar 's ensuing management of my escrow monies and account charges are negligent at best. And the amount of harassment put, as a responsibility on me is unjust and erroneous. The errors have all occurred as a result of Nationstar mishandling my escrow ledger. This was election I made to make my accounting simpler - I do n't need to have an escrow account.
Consumer complaint received 2024-07-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: General Motors Financial Company, Inc. (NM)

In XXXX I signed for a loan on a XXXX XXXXXXXX XXXX  XXXX big horn addition at XXXX XXXX here in XXXX New Mexico. My payments we set at XXXX a month on my truck, the truck was used when I purchased it it had XXXX, XXXX on the mileage. I was told after 14 months I could either trade it in or I could refinance tho them to lower the payment. I am being charged a ungodly amount in interest. I have never purchased a vehicle from a big dealership and I did not know that there is a cap of no more than 15 % interest in my state since the governor set it at that amount .I due believe I am in a predatory loan and they will not refinance the vehicle or do a trade in even tho I have made XXXX of the XXXX in payments. I payed XXXX in interest alone last yr. I belive I am in a predatory loan and want out of said loan or I want them to relinquish my title as I feel I have paid more the law says is allowed. I have tried to make split payments and have been told as well that even when I pay part of my payment it is considered as a non payment. I have payed close to {$30.00} in interest on my vehicle since my contract that I feel is obscured. I fully belive I was taken advantage of and placed into a predatory loan where they refused to refinance or lower the payment. They would not move the date of payment either when I asked.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX opened a new trade-in for my XXXX XXXX instead of transferring a consolidated loan that was sold from XXXX. Now I show XXXX different student loans that shows a XXXX balance. Even though my student loan have been forgiven, they are still being reported under my credit as showing I owe a balance with XXXX, whom reported that they can't update my credit report and that XXXX needs to make the change and update my credit report to show a XXXX balance.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXX SS # XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : XXXX XXXX XXXX XXXX Account XXXX Date XXXX Balance {$1700.00} I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. Sincerely, XXXX XXXX
Consumer complaint received 2024-07-15
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 writing again to dispute the account appearing on my credit report. As mentioned before, I have been a victim of identity theft, which led to this fraudulent account being opened in my name without my consent. The creditor has recognized this account as fraudulent and agreed to remove it from my credit report after I submitted the required FTC report and Identity Theft Affidavit. However, I have noticed that your bureau is still reporting this account despite their approval for removal. 

As a credit bureau, you have a legal obligation to ensure the accuracy and timeliness of your records. By not removing this fraudulent account, you are failing to meet this obligation and causing further harm to me. 

XXXX XXXX XXXX XXXX XXXX XXXX