davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
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. (NC)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX XXXX  - XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-23
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never 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 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 that are reported 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 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
Consumer complaint received 2024-07-23
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have attached a letter from my attorney and an FTC report with the account in questions, this XXXX XXXX XXXX XXXX  account is in litigation and needs to be deleted from all three of my credit reports
Consumer complaint received 2024-07-23
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. (MO)

I have noticed some unauthorized inquiries and negative items and numerous inaccuracies on my consumer credit report by the following companiesXXXX 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. 
Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-23
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. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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/XXXX
Consumer complaint received 2019-10-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NJ)

It has come to my attention though contact with the office of the Attorney General of the State of New Jersey that payday loans and tribal installment loans are illegal in New Jersey because interest rates exceed the 30 % allowed under law. It is criminal usury if a lender charges an interest rate of 30 % or more to an individual .Your interest rate on this loan is is 467.77 %. Because the loan agreement was signed electronically on a computer in New Jersey it is governed by NJ law, Not Tribal. Tribal laws apply to tribal members and people living on the reservation. 
Therefore, the loan contract that I have with you, according to my state 's laws, is illegal and not enforceable. Although I am not required to do so, I have repaid the principal balance of the loan. To date, I have received {$1000.00} and have made 3 payments of {$340.00} for a total of {$1000.00}. This results in an overpayment of {$32.00}. I am a XXXX year old veteran living on social security and a part-time job, I can not make these payments and keep up with the rest of my obligations each month. 
At this time I am requesting a return email acknowledging that my loan has been paid in full and my account has been closed. Also, I would like a refund of the {$32.00} overpayment. A refund check of {$32.00} should be mailed to me at the address you have on file. 
I am revoking ACH authorization, per Federal law, Regulation E Section 205.10 concerning pre-authorized transfers. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.I demand that any contact be made through email only. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number.
Consumer complaint received 2024-07-23
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. (RI)

I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe your organization has committed. Under 15 U.S. Code 1681n, individuals have rights to compensation for willful noncompliance by credit reporting agencies.

I accessed a copy of my credit report from your bureau and found several discrepancies and inaccuracies that have a significant impact on my creditworthiness and financial reputation. 
These errors include XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company 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.

This company 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!
Consumer complaint received 2024-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to follow up on a previous dispute regarding the inaccurate account information on my credit report that was not properly investigated and removed in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX I previously submitted a dispute ( XXXX XXXX ) to your agency regarding the above-referenced account, providing evidence that the information is inaccurate and requesting its removal from my credit report. However, I am disappointed to learn that your investigation did not result in the removal of this inaccurate account. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my credit report. I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. Please provide me with a written explanation of the results of your re-investigation and actions taken to rectify the inaccuracies. Summary of Discrepancies : XXXX. XXXX XXXX : XXXX reports {$0.00}, while TransUnion and XXXX report {$680.00}. XXXX. XXXX. Last Verified : Only TransUnion reports a date ( XX/XX/XXXX ). Date of Last Activity : Differing dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). XXXX. Date Opened : Different dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX ). XXXX. XXXX XXXX : XXXX reports {$10.00}, while TransUnion and XXXX report {$0.00}. XXXX. XXXX. Closed Date : Only TransUnion reports a date ( XX/XX/XXXX ). Account XXXX : XXXX reports Derogatory, while TransUnion and XXXX report Paid. XXXX. Creditor Type : XXXX lists National Credit Card Companies, while TransUnion and XXXX XXXX Bank XXXX XXXX. XXXX. Creditor Remarks : Different remarks from each bureau. XXXX. Last Payment : Differing dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). XXXX. Account XXXX : TransUnion reports Secured credit card, XXXX reports Credit line secured, and XXXX does not report. XXXX Credit XXXX XXXX XXXX XXXX {$0.00}, while TransUnion and XXXX report {$500.00}. XXXX. Two-Year Payment History : Discrepancies in charge-off ( CO ) reporting months.
Consumer complaint received 2024-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to follow up on a previous dispute regarding the inaccurate account information on my credit report that was not properly investigated and removed in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX I previously submitted a dispute ( XXXX CFPB-XXXXXXXX ) to your agency regarding the above-referenced account, providing evidence that the information is inaccurate and requesting its removal from my credit report. However, I am disappointed to learn that your investigation did not result in the removal of this inaccurate account. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my credit report. I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. Please provide me with a written explanation of the results of your re-investigation and actions taken to rectify the inaccuracies. Summary of Discrepancies : XXXX. High Balance : XXXX reports {$0.00}, while TransUnion and XXXX report {$680.00}. XXXX. XXXX. Last Verified : Only TransUnion reports a date ( XX/XX/XXXX ). Date of Last Activity : Differing dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). XXXX. Date Opened : Different dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX ). XXXX. Balance Owed : XXXX reports {$10.00}, while TransUnion and XXXX report {$0.00}. XXXX. XXXX. Closed Date : Only TransUnion reports a date ( XX/XX/XXXX ). Account Rating : XXXX reports Derogatory, while TransUnion and XXXX report Paid. XXXX. Creditor Type : XXXX lists National Credit Card Companies, while TransUnion and XXXX list Bank Credit Cards. XXXX. Creditor Remarks : Different remarks from each bureau. XXXX. Last Payment : Differing dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). XXXX. Account Type : TransUnion reports Secured credit card, XXXX reports Credit line secured, and XXXX does not report. XXXX Credit Limit XXXX XXXX reports {$0.00}, while TransUnion and XXXX report {$500.00}. XXXX. Two-Year Payment History : Discrepancies in charge-off ( CO ) reporting months.
Consumer complaint received 2024-07-23
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. (IL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX XXXXXX/XX/year> ; Not my account All this report is about TRANSUNION
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As a consumer Ive taken the necessary steps to obtain information on my credit reports from all the reporting agencies. Transunion in question was made aware by way of dispute that information in my credit report was incomplete / inaccurate and also violating major federal consumer laws. Transunion used E-Oscar and Metro 2 systems to process my dispute which were not compliant with federal laws. Under section 611 ( a ) ( 5 ) ( a ) of the Fair Credit Reporting act. A reporting agency may not reinsert information that was previously removed without contacting and updating the consumer with that information first. This account with XXXX XXXX XXXX XXXX was disputed for inaccurate information/ Non compliance violation of the law and was removed in XXXX XXXX. On XX/XX/year> it was reinserted into my report without prior notification from Neither parties. The information was removed factually and had been placed back illegally.
Consumer complaint received 2024-07-23
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. (AL)

I received your stall letter regarding the investigation of my previous dispute. Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly.