davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This account was paid in full by the previous owners XXXX XXXX XXXX by the due day of XX/XX/XXXX and an additional payment was made by me before the due date. Im requesting that the 30+ days late to be removed from my co borrower and my credit report immediately. We never been 30 days or more late why would we be 30 days late at pay off time? I lost XXXX on my credit report due to this misinformation and my co borrower lost XXXX points due to this we ask that XXXX XXXXXXXX remove the 30 days late so that we can continue with our lives with our credit report without this blemish. I will enclose documentation that will support my claims I take my credit and credit report serious and Im responsible with my credit, this 30days late on my credit report stops me for doing anything with this blemish from XXXX XXXX. I cant see how they were able to put a 30 days late on an account that was reported closed last month and removed off of my credit last month that I filed an dispute and got the account removed myself and it was Successfully removed now we see 30 days late on our credit reports.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (RI)

Experian is reporting inaccurate information to my consumer profile and I have made them aware of this for the past XXXX months since XX/XX/XXXX. This is regarding a XXXX XXXX  XXXX credit account # ending in XXXX that was charged off in XX/XX/XXXX. I sent a letter requesting an investigation into the accuracy of this account on XX/XX/XXXX. In the letter, I specified areas of inaccuracies that I had identified such as the payment history and account status. The FCRA ONLY ALLOWS up to XXXX  days for this initial investigation. I demanded that if they were unable to verify the account as accurate and complete, that they should then delete this account from my profile. Experian responded back by updating the account information as verified. Then on XX/XX/XXXX, I sent them a method of verification letter in which I requested account level documents and further proof of their verification method. I again asked for them to delete the account if they were not able to verify the information within the XXXX  day window that is allowed by the FCRA for this second verification/reinvestigation period. They did NOT respond back within the XXXX  days, which is a VIOLATION of the FCRA! So around XX/XX/XXXX, which was well over XXXX  days since my initial letter was sent, I sent a complaint via the CFPB requesting that the account be deleted because they had failed to provide me with the requested documents within the timeframe ALLOWED BY THE FCRA! Around XXXX, XXXX, the account seemed to have been removed which led to a significant XXXX  score increase. But then it was evident that the account was reinserted days later and updated as verified! But HOW CAN THE ACCOUNT BE verified as accurate when the origin date opened was XX/XX/XXXX but there is NO PAYMENT HISTORY REPORTING until XXXX XXXX XXXX How is the payment history accurate when the last payment date is showing as XX/XX/XXXX as well as XX/XX/XXXX? It is now XX/XX/XXXX and the XXXX  charge off with account # XXXX is still being reported to my consumer profile! And there is still inaccurate information being reported such as the payment history, account status and date of last payment! At this point, this is willful non-compliance and deliberate reporting of inaccurate information to my consumer profile which is yet another violation of my consumer rights which are protected under the FCRA! I WANT THIS ACCOUNT PERMANENTLY DELETED FROM MY CONSUMER REPORT! If this account is not promptly DELETED from my consumer profile, then for damages, I will invoke my rights as a consumer pursuant to 15 USC 1681n Civil Liability for WILLFUL Noncompliance. If this account is not promptly DELETED then I will seek compensation for EVERY violation that has been found under the FCRA!
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TN)

RE : account # XXXX I have attempted multiple times to get the late payments corrected on this account and XXXX states that they are unable to correct them. The late payments are for XX/XX/XXXX and XX/XX/XXXX. They are reporting late when they should be reporting as pays as agreed since I was granted deferment XX/XX/XXXX until XX/XX/XXXX. They state they are unable to change something that has been reported accurately at one time. Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * Since I was granted deferment for those months then my account should be corrected to show pays as agreed during all those months. 
I have attached a copy of my deferment letter to show those dates were covered during my deferment. 
I would like for this to get corrected asap.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. I have listed these items below for your reference : XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

XXXX  - Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I request that you remove this frivolous account immediately from my credit report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

XXXX XXXX  - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

DEPT OF ED/XXXX  - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

Thank you for your attention to this matter. I hope that you will be able to resolve these issues and make the necessary corrections to my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I deposited three checks to my Citizens XXXX Checking account, written from myself from my home equity line of credit via XXXX XXXX. I called into Citizens multiple times noting this was the only method of transferring funds from my HELOC. The checks cleared the day after depositing from my XXXX XXXX HELOC - I called Citizens and even stepped into a branch with the checks ( XX/XX/year> ), with proof of my HELOC account in an attempt to validate the checks and verify proof of funds. There were holds placed on two of the checks, which were supposed to expire on XX/XX/year> and XX/XX/year>. I attempted to access my account on XX/XX/year>, and found that my account was frozen and restricted. When I called customer support, I spoke to three different departments to get clarity on why my account was frozen. I was told I would need to wait for a physical letter sent to my address for next steps. I called support and called a branch and told them I needed to access funds as my direct deposit from my job is also fully allocated to this account. I was told my account is inaccessible for withdrawals and debit card for purchases. I've made multiple attempts to verify the legitimacy of the checks both over the phone and in person. They froze my account even though XXXX XXXX  successfully cleared and posted the checks and are now holding my account hostage. This feels predatory- I would like immediate action/clarification on why Citizens Bank hastily froze my account and refuses to provide any solutions.
Consumer complaint received 2024-06-26
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. (PA)

My credit report is showing an unauthorized, unverified inquiry. This inquiry has made my credit score decrease, according to the FCRA this unauthorized inquiry needs to be removed immediately off of my Transunion credit report. Listed below will be the date and account of the inquiry. Transunion : XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/year> ( today ) I chatted with a rep to see why my payment had not been reflected and it had been 6 days since the payment was made and debited out of my account. In that time I looked over my statement, my balance due amount was {$1700.00}, I made a payment of {$1100.00}. I than notice that my statement end date according to my statement online under more information stated it was XX/XX/year>. Just trying to be better at credit I am attentive to when the statement closes which means reports to the agencies. In that same area it stated my next statement would be on XX/XX/XXXX, it is the XXXX and I still have not received a statement. Looking over my credit report it seems that the company reports incorrect information if we are going by the standards of reporting the amount at the end of each statement close dates. I have XXXX credit cards with this company, my Sam 's club card is due on the XXXX and statement close date is XXXX, this was reported on all three reporting agencies on the XXXX of XXXX, my Amazon payment is due on the XXXX and the statement date is also the XXXX, this was reported on XX/XX/XXXX but the amount was not the amount of what was on my statement which was {$190.00}, this amount was paid before the XXXX so this should have not shown as balance due, then the amount that has been reported prematurely is {$230.00} and that too has been paid in full prior to the due date which should show a XXXX balance not only on their website but also to all three credit agency. This is showing that I am using far more than 30 % of my credit limit and causing my credit to take over XXXX point hit when I am using the credit properly and paying my bill as I am supposed to.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (TN)

I filed a few disputes with XXXX confirmation # XXXX # XXXX # XXXX about me victim of identity theft and I was effected by XXXX XXXX breach and XXXX XXXX XXXX XXXXXXXX breach. XXXX is refusing to remove these inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GM FINANCIAL XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. Someone used my information without my authorization for I am victim of identity theft.
Consumer complaint received 2024-06-26
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. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-27
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. (SC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Section 609 of the FCRA states that you must investigate my dispute within 30 calendar days from my initial letter. As you have failed to do so, I kindly request that you remove the aforementioned items from my credit report. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX & XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX ( Experian )
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, 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. (TX)

I called Transunion Spoke with a representative about Inquiries that were not mine and I believed were fraudulent! The Rep would not connect me to the fraud department. She told me to write them to file a complaint or dispute any information contained on their website! 
False Address : XXXX XXXX XXXX XXXX # XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. 
Fraudulent inquiry : XXXX XXXX Bank XXXX XXXX XX/XX/2021 XXXX ) XXXX XXXX XX/XX/2021 XXXX ) XXXX XXXX XX/XX/2021
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-29
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)

XXXX  credit report reflects a negative account that has been settled, paid and closed. This account is too old to remain in my credit. I have tried to have this removed in several instances however the company has not resolved the issue.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

Checking my credit report a few months ago, I discovered errors regarding the account of XXXX XXXX XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.

The accreditor has failed multiple times to verify the account information based on my requests to the accreditor and the credit bureaus. Their responses were generic or frivolous, which gave me certainty that they are not capable of validating the account I have been disputing.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent in XXXX lawful debt request affidavits to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have ignored the XXXX affidavits that were sent for them to lawfully verify a debt. 
I requested that XXXX XXXX XXXX send 1.Validation of debt ( the actual accounting ) 2.Verification of the claim against me ( signed invoice ) 3.Copy of the contract binding both parties ( me and you ) XXXX & XXXX has had more then XXXX even 60 days to send what I requested so with that being said and them not being able to verify anything the mark ( s ) on my credit need to be deleted asap there is no more time to be given according to law 15 usc 1681i ( 5 ) ( a ) ( i ) ( ii )
Consumer complaint received 2024-06-26
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. (AR)

I according to 15 USC 1692c The law clearly states that if a consumer notifies a debt collector that the consumer refuses to pay a debt the collector must cease all communication.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8