davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
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: LEXISNEXIS (UT)

RE : : CFPB Case XXXX XXXXXXXX I spoke with the United States Bankruptcy Court District of Utah Court XXXX XXXX XXXX United States CourtHouse XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX court clerk XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> and verified this is incorrect delete this ASAP! 

I have been telling you this since XXXX. I do not recognize the following inaccurate info. 
Bankruptcy Records XXXX XXXX The bankruptcy status is inaccurate. 
Bankruptcy Filing Number- This is incorrect delete this ASAP Bankruptcy Court Details- This is incorrect delete this ASAP Filing Details- This is incorrect delete this ASAP Trustee Name- This is incorrect delete this ASAP Assets Available - This is incorrect delete this ASAP To Whom It May Concern : Thank you for helping me get some of the accounts that incorrectly appeared on my credit report deleted. However, I still dispute the remaining items. These are still being reported inaccurately and are extremely damaging to my credit. 

As stated in my last dispute, the filing number, court details, fililing details, trustee name & asset are INNACCURATE. 

I let the company know and they only verified my name, address and social security number matched the records. They still did not VERIFY OR DELETE THIS INNACCURATE INFO. 
I am still having a problem with a company 's investigation into an existing problem. 
I was not notified of investigation status or results account status incorrect. 
I have tried to fix this with the company. 
I requested information from the company I did not recieve the information company failed to provide. 


XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with 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 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 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 2024-07-08
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. (OH)

MY NAME IS XXXX XXXX XXXX XXXX todays date XXXX Have looked at my credit report and I have seen multiple fraudulent inquiries on XXXX XXXX and transunion I have not authorized permitted or gave any permission for any of these inquiries. By FAIR CARES ACT LAW us code 1681c-2 and 1681s 1679c disclosure 1681g 1681b permissible purposes of consumer report 12 USC 55334 response to consumer complaints and inquiries LIST OF FRAUDULENT INQUIRIES XXXX XXXX XXXX date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2024-07-08
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. (GA)

I am writing to delete the following information for my life. The items I need deleted are listed in this report. I am identity victim of identity theft and did not make the charge. I ask that the items to correct my credit report .I reported the theft of my identity to the Federal Trade Commission XXXX and I also have enclosed copies of the Federal Trade Commissions identity Theft Affidavit. Please please delered all the incorrect information.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) andthe United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-07-08
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. (MD)

I did not consent to nor authorize the following fraudulent inquiries from transunion. 
XXXX XXXX XX/XX/24 XX/XX/24 XXXX XXXX XXXX XX/XX/24 XX/XX/24
Consumer complaint received 2024-07-08
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. (GA)

I submitted a complaint and Tranunion investigated it. The are still reporting inaccurate information and is in direct violation of my consumer rights under FCRA 611 ( a ) ( 5 ) ( B ), inaccurate information must be promptly deleted or corrected by the consumer reporting agency after receiving notice of dispute from the consumer. Given the discrepancies noted above, I request that TransUnion and XXXX promptly delete the inaccurate information from my credit reports. I request that TransUnion and XXXX conduct a thorough investigation into these discrepancies as required by FCRA 611 and promptly delete the inaccurate information from my credit reports
Consumer complaint received 2024-08-30
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)

This is several times I have found inaccurate items on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report.XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OR)

Chime on several occasions has caused major problems in my financial situation by within 30 minutes denied my claim on more than 5 occasions over a 3 yr period. I have no other option but chime due to my bad separation from my partner.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

An Ulta Credit Card was opened XX/XX/2022. I disputed the account and was told not to worry about it. The account was sent to collection, because there was 1 payment given to the card. I explained that I did not open the account and I had never received a credit card. I was informed that the card was mailed to XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and that the email XXXX were used to open the account. I've never lived or been to XXXX, CA or have had the email stated before. The account currently owes {$4600.00}.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (CO)

Debt validation not provided. American Express is violating FDCPA law by originating debt in their own name. 15USC1666 states no harm or threats shall be made toward consumers. American Express has not provided method of verification for alleged debt and have harassed me beyond emotional limitation
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (OH)

For months NCB MGT Srv INC has called my office phone several times a day, they let me answer, wait a moment, and then hang up on me. I called them back on XX/XX/XXXX and explained that the number they are calling is for a real estate office, not a personal number and to stop calling as it is disruptive to my business. I was then asked my name, they told me I am not who they are looking for and said they would stop calling. My call log only goes back to last Monday, I have included pictures from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They call from multiple phone numbers XXXX XXXX XXXX XXXX are a few and they are still calling.
Consumer complaint received 2024-07-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (VA)

XXXX XXXX is a collection agency who refused to remove negative information from my credit report. The original creditor withdrew the account and dispite disputes they are still trying to collect a debt now owed and one that has been wiped out by the original creditor.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SUNCOAST CREDIT UNION (FL)

I received an XXXX notification that my credit score dropped XXXX points. Upon reviewing my credit report my Suncoast credit card line was being reported twice and with XXXX different balances. I submitted a dispute on XXXX and through Suncoast Credit Union. The dispute was resolved with updating XXXX of the duplicate credit lines with the updated balances but still showing XXXX credit lines. I have called Suncoast Credit Union and they cant seem to understand or figure out the issue. I only have XXXX credit line with Suncoast Credit Union ever.
Consumer complaint received 2024-09-05
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)

Dear XXXX, I am writing to formally dispute the inaccuracies in my credit report and to bring to your attention a serious issue regarding fraudulent charge-offs on my accounts. Pursuant to Consumer Law Code 15 USC 1681n, which addresses damages for willful noncompliance, I am seeking your assistance in rectifying these inaccuracies and ensuring that my credit report reflects accurate information. 
Upon reviewing my credit report as of XX/XX/XXXX, I have discovered several fraudulent charge-offs listed on my accounts. Notably, these inaccuracies involve the following accounts : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  These accounts were closed in XX/XX/XXXX and XX/XX/XXXX respectively. Despite the closure, my credit report erroneously reflects charge-offs on these accounts that are both inaccurate and fraudulent. Also, on these accounts its still being reported that I have a credit limit even though the account is closed. This erroneous reporting is causing undue harm to my credit profile and potentially affecting my financial well-being. 
I have already reached out to the credit reporting agencies to dispute these inaccuracies, but they have yet to take corrective action. Therefore, I am now seeking your intervention to ensure that the following actions are taken : XXXX. Removal of all fraudulent charge-offs associated with the XXXX Federal Credit Card and XXXX XXXXXXXX XXXX XXXX from my credit report. 
XXXX. Verification and correction of the reported information to reflect the true status of my accounts. 
The inaccuracies in my credit report are not only misleading but also violate the Fair Credit Reporting Act, which mandates that credit reports be accurate and up to date. I respectfully request that you investigate this matter promptly and take the necessary steps to enforce compliance by the credit reporting agencies. 
Please confirm receipt of this letter and provide me with a written response regarding the actions taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your assistance in correcting these inaccuracies. 
Thank you for your time and consideration.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

XX/XX/XXXX {$0.00} This card is still reporting but there is no late payment or collection nor has it been verified nor did I authorize any of this. 
XX/XX/XXXX {$120.00} This account was not verifiable by the furnisher but still is reporting. Furnisher could find any record of this account. 
XX/XX/XXXX {$710.00} This account is outdated and was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$370.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$390.00} This account is outdated and also this account was found by the furnisher to be identity theft. I turned in documentation to the bureau but they are still reporting inaccurate information. 
XX/XX/XXXX {$300.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$190.00} his account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/2023, I opened a credit card as a promotional offer for new purchases at 0 % interest in conjunction with purchasing a timeshare interest through XXXX XXXX. The American Express card being offer was co-branded with XXXX. After the intial " purchase '' balance was set ( $ XXXX on XX/XX/2023 ), there was a subsequent {$250.00} charge on XX/XX/2023 for the annual membership fee. There was billing for a minimum payment being due each month - charged in the amount of {$840.00}. It wasn't clear based on the promotional materials that any minimum monthly charge would be required, but I paid it to avoid any negative consequences. It was also surprising on the first bill that there was a {$5.00} interest charge despite the promotion indicating there was no interest to be charged. Since the amount seemed small and I was very busy at the time, I paid the interest. 

For the second statement in XXXX, the interest charge was {$5.00}. I then called American Express to inquire why there was interest when their promotional materials ( and the contract ) indicated zero interest for this. The representative told me they were charging interest for the annual membership fee. I asked how we could avoid this going forward and they indicated that by advancing a payment of {$250.00} this would clear all future interest charges. I questioned whether interest could be charged on fee, but since the amount was minimal, again, I paid the total of {$250.00} plus the {$570.00} monthly payment. 

For the third statement in XX/XX/2023 another interest charge appeared, this one being {$5.00}. I called and launched a dispute. The customer service representative couldn't help me, only informed me that I should follow up with them and mentioned that their systems were not able to separately track payment down of specific balances so there was a possibility that these interest charges would continue to appear for the life of the account until I pay it off. In XXXX I paid the {$810.00} payment and noticed a new interest charge for {$6.00}. They reversed this charge. But they also increased my total outstanding principal balance. 

I question the accounting on this entire credit account, am fearful they are charging illegal interest on fees and that this entire promotional offer program wasn't rolled out with the proper underlying technology to manage the accounting. 

It might only be {$23.00} in interest for 2023 charged on my account, but if there was a review of this program across their entire customer base, I wouldn't be surprised if these amounts were much larger in the aggregate. AMEX seemed unwilling to really address the issue.
Consumer complaint received 2024-07-08
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. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (VA)

Company : RADIUS GLOBAL SOLUTION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Through Radius Globa Solution, XXXX XXXX reported the wrong balance to the reporting agency. 
The reported amount is for acct XXXX XXXX {$300.00}, opened XX/XX/XXXX XXXX. 
Another account XXXX  XXXX {$0.00} XX/XX/XXXX XX/XX/XXXX, constitutes the final account I held at that address. 
Upon intense communication with multiple representatives at XXXX : XXXX, XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX department. 
They all refused to take into account that my last account showed {$0.00}. They have been unable to reconcile how I can owe money on XXXX account, yet have another account showing {$0.00}.
Consumer complaint received 2024-07-08
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. (CA)

Im in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-08
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. (TN)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

To Whom It May Concern, I received a copy of my credit report and found the following inquires to be in error : ( XXXX  XXXX XXXX XXXX & XX/XX/XXXX ), and ( XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ) By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.