davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with XXXX XXXXXX/XX/XXXXwas never late! I have had exceptional payment history witHXX/XX/XXXXand 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. 

XXXX XXXXXX/XX/XXXXnever 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 2024-08-07
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. (IL)

At the end of XX/XX/year>, I went to try and co-sign on a student loan with my son. I was denied. My report stated serious delinquency, and with some research it was with XXXX. In XXXX of XXXX I received a letter from XXXX stating that we had a balance of {$440.00} that had not been paid. I did not make these purchases nor had I received a statement show this balance. When we called to inquire about this, a lady by the name of XXXX, advised us to to a pay off of the amount of {$300.00}. This was with the understanding that this would put us in good standing with both XXXX and the Credit Bureaus. In fact, it did not do either and as stated above it harmed our credit. When calling XXXX we were told to call the credit bureau because they would be able to take it off our report. When I called Transunion, XXXX, and XXXX  they said it was up to XXXX I have been calling XXXX and Transunion pretty much daily getting the same run around. I would like someone to take charge and do what is right.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have submitted letters to all 3 credit bureaus and to the creditor them selfies to dispute these items on my credit file. They have not responded a letter was sent to all parties involved on XX/XX/19 and no action has been taken nor was it removed or corrected all document proving my case was submitted as well. There are 2 accounts listed on my credit file with the exact account number being reported as a duplicate with incorrect information the account should be reported all 3 CB under XXXX/XXXX XXXX the amount/High credit limit and past due amount are incorrect. XXXX  XXXX Bank has my information on CF reported incorrectly with duplicate accounts 2 separate account numbers which is making my CREDIT UTILIZATION higher than it should, all information is listed incorrectly on report. XXXX XXXX is reporting incorrect information on my credit report to all 3 CB the account status is listed incorrectly and the MONTHLY PAYMENT IS LISTED AS $ XXXXMONTH which is INCORRECT. Another DUPLICATE account listed on CREDIT FILE XXXX XXXX and XXXX WITH THE EXACT SAME ACCOUNT NUMBER ALL INFORMATION REPORTED IS INCORRECT, this account had been paid and and there is not a past due amount as XXXX  is reporting. XXXX XXXX XXXX is reporting INACCURATE INFORMATION ON CF. XXXX XXXX XXXX REPORTING INACCURATE INFORMATION UNDER EXPERIAN this account is closed not open. XXXX located on credit file doesnt belong to me I have never had an account with this XXXX  or XXXX XXXX.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted letters to all 3 credit bureaus and to the creditor them selfies to dispute these items on my credit file. They have not responded a letter was sent to all parties involved on XX/XX/19 and no action has been taken nor was it removed or corrected all document proving my case was submitted as well. There are 2 accounts listed on my credit file with the exact account number being reported as a duplicate with incorrect information the account should be reported all 3 CB under XXXX/XXXX XXXX the amount/High credit limit and past due amount are incorrect. XXXX  XXXX XXXX  has my information on CF reported incorrectly with duplicate accounts 2 separate account numbers which is making my CREDIT UTILIZATION higher than it should, all information is listed incorrectly on report. XXXX XXXX is reporting incorrect information on my credit report to all 3 CB  the account status is listed incorrectly and the MONTHLY PAYMENT IS LISTED AS $ XXXX/MONTH which is INCORRECT. Another DUPLICATE account listed on CREDIT FILE XXXX XXXX  and XXXX WITH THE EXACT SAME ACCOUNT NUMBER ALL INFORMATION REPORTED IS INCORRECT, this account had been paid and and there is not a past due amount as TRANSUNION is reporting. XXXX XXXX XXXX is reporting INACCURATE INFORMATION ON CF. XXXX XXXX XXXXIS REPORTING INACCURATE INFORMATION UNDER XXXX this account is closed not open. XXXX located on credit file doesnt belong to me I have never had an account with this XXXX  or XXXX XXXX.
Consumer complaint received 2024-08-07
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. (WA)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a XXXX fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the law the fair credit reporting act, the list or accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C 1681 , section 602 A states, I have the right to privacy.

Under 15 U.S.C. 1681, section 602 A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C.1681 c ( a ) ( 5 ), states no consumer reporting agency may make any report containing any of the following items of information, any other adverse items of information, other then records of convictions of crimes which antedats the reports by more then XXXX years. 

Under 15 U.S.C. 1681-2 ( A ) ( 1 ), a persons hall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed a copy of my credit report. I was devastated to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by myself. This has been a hard burden financially as I am in the process of buying a home for my family.
Consumer complaint received 2024-08-08
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)

My account with ( XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 in those account 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 XXXX 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 XXXX  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 2024-08-08
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)

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-08-08
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. (TN)

My identity was stolen, I have multiple credit inquiries on my credit profile that were not me. My credit has dropped and they have enrolled into XXXX in my name, getting loans from banks, XXXX XXXX XXXX even gave them a loan. It has been a mess. I want the unauthorized inquiries taken off of my report.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS USED TO OBTAIN GOODS AND SERVICES THAT I DID NOT AUTHORIZE NOR DO I HAVE KNOWLEDGE OF. ACCOUNTS LISTED AS 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 DD NOT BELONG TO ME
Consumer complaint received 2024-08-07
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)

My account with XXXX XXXX XXXX XXXX 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 those account 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 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 2024-08-07
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 to dispute account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING to section act ( 15 U.C 16B 1 B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES for obtaining a credit, I did not authorize theseaccount and can not find any permissible purpose under this section that justifies their presence on my report. ACCOUNT OPORTUNPROG, XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX XXXX, Transunion, XXXX, and XXXX.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Northstar Location Services, LLC (CT)

Settled in full XXXX balance XXXX XXXX, XXXX is reporting I still owe a balance. 
Contacted XXXX Multiple times and stated they would not help me that I had to wait for them to report to the bureaus on XX/XX/XXXX. See documents supporting account paid in full and settled. 

Auto volunteer surrendered XXXX Pick up XXXX XXXX contacted me with a Def XX/XX/XXXX and agreed to accept XXXX. Paid auto debit on the XXXX. 
Account turned over to their collection agency XX/XX/XXXX changing the payment date on the XXXX. 

I contact XXXX in XX/XX/XXXX to dispute how they were reporting to the bureau as a charge off but not including Volunteer Surrender. They announce the account was transferred to NorthStar Locations Services LLC. I had no idea as they continued to accept my monthly installment {$100.00}. I agreed on a settlement in full XXXX balance with supporting documents. To my surprise my credit report is only showing charge off with a balance owing XXXX. Not stating Settled in full XXXX balance per the supporting documents. I asked XXXX to correct and they stated they will not until I paid the balance that was agreed I do not owe any longer a balance and they will not submit correction to with XXXX, XXXX XXXX and XXXX until XX/XX/XXXX. XX/XX/XXXX I contacted NorthStar to send me a updated letter clearance of funds from the credit card I paid them and they will not send me a updated letter until I give the credit card statement that will disclose cleared? NorthStar Location received agreed payment for {$2000.00} from a credit card. XXXX sent me a letter stating I am in the clear an NorthStar will not accept that letter who they represent for collections. Please see attachments on documented letters and credit. I still feel they have been reporting inaccurately to get me to pay them and when I paid them a agreed amount after paying them over XXXX, I feel they bait / switched me.
Consumer complaint received 2024-08-07
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: MoneyLion Inc. (OR)

On XX/XX/year> my identity was stolen. The person got access to my bank account, my email, they accessed my XXXX XXXX account and deactivated my phone and transferred my phone to a new number. He set up XXXX accounts that are showing up on my credit report. 

These account were not opened by me : XXXX- Account # XXXX Balance- {$500.00} XXXX XXXX- Account XXXX XXXX XXXX Deleted from my credit report
Consumer complaint received 2024-08-07
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. (NY)

I had a vehicle stolen from me in XXXX from a mechanic who was fixing my vehicle. He cashed the insurance checks and never returned my vehicle to me. XXXX XXXX refuses to except that the loan is no longer my obligation. Even after the man was charged with a felony this year after a 5 year battle with this issue. The charge from XXXX XXXX is sitting on my credit report for vehicle that has not been in my possession since XX/XX/year> and to my knowledge is possibly still sitting somewhere on the man 's property. XXXX XXXX told me over the phone I am still responsible for the loan and I had consumer lawyer dispute the charge and they are still refusing to settle my account with them. I am asking for a resolution as this is severely affecting my livelihood having a fraudulent charge off on my credit report. See attached documentation.
Consumer complaint received 2024-08-07
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.