davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After obtaining my consumer report from TransUnion and XXXX, I have noticed many inaccuracies that I would like to have investigated. Accurate and fair credit reporting is a fundamental right, and the current reporting on my credit file does not comply with this requirement. 

Dispute with TransUnion : Incomplete Balance History and Scheduled Payment Information : Since the opening of my XXXX XXXX  account in XX/XX/XXXX, TransUnion has only reported balance history, scheduled payment information, and past due information for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This sporadic reporting is inconsistent and should be regarded as inaccurate. Accurate credit reporting requires a complete and continuous history. 

Inaccurate Delinquency Reporting : TransUnion is reporting my account as delinquent for 120 days for two consecutive months. This is inaccurate as a delinquent account status should increase continuously if no payments are made. This incorrect reporting negatively impacts my credit profile and does not reflect the actual delinquency status. 

Dispute with XXXX : Inaccurate and Missing Balance Payment Information : XXXX is reporting inaccurate and incomplete balance payment information. Specifically : For XX/XX/XXXX, XXXX reports two different balances : {$1300.00} and {$1300.00}. 
For XX/XX/XXXX, XXXX reports two different balances : {$56.00} and {$1000.00}. 
Inaccurate Payment Dates and Amounts : XXXX is reporting incorrect payment dates and amounts : In XX/XX/XXXX, XXXX reports a credit balance of {$1000.00}, and in XX/XX/XXXX, the balance decreases to {$680.00} but shows a payment of {$0.00} for XXXX. 
In XX/XX/XXXX, XXXX reports a credit balance of {$910.00}, and in XX/XX/XXXX, the balance decreases to {$880.00} but shows a payment of {$0.00} for XXXX. 
Inconsistent Payment Dates : XXXX reports a payment date of XX/XX/XXXX for multiple months, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These duplicate payment dates are incorrect and do not match my payment history. 

Applicable Laws : Under the FDCPA, specifically Section 807 ( 15 USC 1692e ), it is prohibited to report false information on a consumer 's credit report. The inaccuracies and inconsistencies detailed above violate my rights under this law. Additionally, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) mandates accurate and complete credit reporting.
Consumer complaint received 2024-07-12
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Applied a new credit card few months. Forgot to enroll in auto-pay. As a result, late payment ( 36 days ) on the card. As soon as I released my mistake, enrolled in auto-pay and paid the credit card in full. 

Recently a month ago, i tried to refinance my mortgage and the loan officer basically denied my application. He said my credit score was low and would recommend waiting a few month to see if it improves. Credit score dropped to XXXX. 

Checked my credit report, it has " Derogatory Information '' Derogatory Information 1 Account XXXX Date Reported XXXX Creditor Name Bank Of America Status Open Called the bank in question, they waived off the late fee + interest on the card ( BoA ) But said, they can not do anything w.r.t removing the derogatory remark from the credit report ( tried to talk to 3 different reps, but gained no traction ) Any pointers on how to get rid of this remark/improve my credit score/soften the blow? Costing me close to $ XXXX/month by not taking advantage on refinancing. 

FWIW, In the past few years, my credit score has always been above or close to 800. I have never missed a payment in my 10 years of my credit history. I bought my house a yr ago with credit score of XXXX and got the best possible rate.
Consumer complaint received 2024-07-12
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. (NC)

I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It's been a while since I took action, and so far, there has been no resolution. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter.
Consumer complaint received 2024-07-12
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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

I leased a car through Hyundai and the lease was coming to maturity. Rather than turn my car in and re-lease another vehicle, which they kept endouraging me to do, I decided to purchase my vehicle. I arranged to purchase my car with financing through a local credit union, XXXX XXXX XXXX XXXX. We aranged the loan and they paid off Hyundai as they were supposed to within the specified time-frame. 

The loan has been paid off now for over a month, and although the XXXX received the Bill of Sale in a timely fashion, Hyundai has been impossible to work with otherwise. They have ignored our attempts to obtain a signed Applicatioin for Texas Title and/or Registration Form 130-u, which is a standard Texas Department of Motor Vehicles form , which is required for them to transfer title and perfect their lien. 

The XXXX loan processor has attempted to resolve this matter virtually on a daily basis for the last month to no avail. I joined him on a XXXX hour attempt to speak with a supervisor at Hyundai that could help us resolve this and the only committment that we could get was they would pass the form along to the proper group. Neither he in all of his attempts, nor the XXXX of us together were ever able to speak to someone who understood the need for the form in Texas or that would commit to resolving our issue. As a result, not only is the title still not corrctly set but I am going to be the subject of fines by the Texas Department of Motor Vehicles as a result, which could end up being several hundred dollars.
Consumer complaint received 2024-07-12
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. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-12
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)

Consumer Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number : XXXX. This account have resulted in several fraudulent collections appearing on my consumer XXXX credit report I do not recognize the XXXX account collection as reported. The XXXX account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account and collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, are the result of identity theft and fraud. I have also included a related local police report from XXXX XXXX POLICE DEPARTMENT whereas an individual used a fake ID with my information and their picture to fraudulently open a bank account in person, this is suspected to be the same individual who has stolen my identity with the aforementioned account. I have included a copy of my Drivers license and Social Security card to validate my real identity. All supporting info is included in the attached PDF document.
Consumer complaint received 2024-07-12
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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-12
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)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-12
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 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  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 2024-07-12
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)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( 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. 
XXXXXXXX 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 2024-07-12
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)

The Credit bureau 's stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2024-07-12
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. (PA)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-12
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (TN)

Upon reviewing my Experian credit report, I noticed 2 accounts in collection with Credit Collection Services, XXXX, MA. The 2 accounts are duplicates, with the alleged original creditor listed as XXXX XXXX XXXX. One total says {$110.00}, and the other {$110.00}. XXXX XXXX would to insure a person a second time who had an outstanding balance with them, so this is clearly in error. 
Second, I dispute the validity of any debt with them. In XX/XX/XXXX, my son was diagnosed with an illness that would prevent him rom driving for some time, and I called XXXX XXXX and had him removed from the policy. They explained that he would not be able to return to the policy, and I accepted those terms. I was still billed for his coverage, despite termination. I attempted to resolve this with XXXX XXXX, and instead they set me to collections with Credit Collection Services, who then reported me twice on my credit report, or the same account. 
I believe my son is also being discriminated against as per the Americans With Disabilities Amended Act 2008. 
I have attempted to contact Credit Collection Services, and I only remain on hold or excess of an hour each time I attempt to call. I have been unable to reach anyone there. 

I have also made NUMEROUS attempts to contact XXXX and there is no way to reach a live representative.
Consumer complaint received 2024-07-12
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)

I am deeply frustrated by the response from the credit reporting agencies regarding the investigation of these accounts, which they claim came back as verified. However, this assertion baffles me, as my credit report still contains multiple inaccuracies. 

As a conscientious consumer, I have the right to understand the thoroughness of the verification process conducted by your agency, as stipulated under 15 U.S.C 1681i ( 7 ) Method of Verification. I demand a detailed account of every step taken to ensure the 100 % accuracy of these disputed items. 

It is unacceptable that despite these purported investigations, my credit report continues to reflect discrepancies. I urge your agency to rectify these errors promptly and provide me with the comprehensive documentation I am entitled to under the law.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX, ( XXXX ) Account name : # XXXX XXXX ( XXXX ) ( XXXX ) Account name : # XXXX XXXX ( XXXX ) XXXX XXXX XXXX Account name # XXXX  ( XXXX XXXX XXXX ( XXXX ) Account name : # XXXX  XXXX ( XXXX ) ( XXXX ) ( XXXX ) Account name : # XXXX XXXX  ( XXXX ) Account name # XXXX XXXX XXXX ( XXXX ) Account name # XXXX XXXX XXXX ( XXXX ), has violated my rights. I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-12
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. (NC)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.