davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
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)

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 2023-11-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

I spoke with someone from the the original phone number that told me to call to make a payment to settle my collection and when I called they told me I can not do anything through them I would have to contact the law firm in which my collections went to. When I asked if thag was the case why am I constantly getting spam calls and voicemail left from you guys then and not the firm that is the one in charge of the collection if you guys are not they told me they had no answer. So I asked them to stop contacting me and to have the law firm get in touch with me or for a way to contact them. They told me I could only do it through online and I told them they need to have someone speak to me directly or I will not be making any payment on the collection especially when it is so outdated and incorrect. Due to the fact that it sounded very inconsistent and weary. My phone brings up their number as spam calls and so I did not trust who I was even speaking to and they asked for my social etc. And yet they would not give me the information as to where I am supposed to even pay a debt collection.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-17
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously. 


ALL of these accounts should NOT be showing up on my report and are indeed fraudulent. The accounts showing up were all mostly opened between XXXX, when unbeknownst to me, I became a victim of the XXXX data breach, and the most recent XXXX breach. I also had a couple of my sisters use my credit unbeknownst to me, and the ones listed are amongst the many they have used to apply for apartments, cars, etc.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the fair credit reporting act This creditor has violated my rights under 15 USC 1681 section 602 states I have rights to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-17
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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Number : XXXX XXXX # XXXX Account Number : XXXX # XXXX - BALANCE {$4400.00} Account Number : XXXX XXXXXXXX XXXX # XXXX Account Number : XXXXXXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX # XXXX - BALANCE {$2700.00} Unauthorized Inquiries 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-17
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. (GA)

I have been a victim of XXXX XXXX for the past XXXX years. There have been Fraudulent Items being reported to my Credit Report. Someone has opened up a fraudulent accounts in in my name that is now reporting to my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a copy of my ID and FTC report. ( Please see attachments ).
Consumer complaint received 2023-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (CA)

I am currently enrolled in school, so interest should not be accruing on my loans since they are all subsidized and I should not need to make any payments. However, my autopayments began on XX/XX/23. I contacted Aidvantage about this on XX/XX/23. Their automated reply promised a response within 2 business days. I am afraid to stop paying in case this affects my credit score. It is now XX/XX/23, and I have received no response from Aidvantage at all. My loans were previously managed by XXXX.
Consumer complaint received 2024-07-25
Product: Vehicle loan or lease — Loan
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Last year I went to look at purchasing a new vehicle because mine had been totaled. When the dealer ran my credit they said I couldn't be financed because there was a repo on my report from capital one. I called XXXX XXXX to see what was going on XXXX I believed that my prior vehicle had been paid off. Turns out I still owed $ XXXX {$900.00}. So I made a settlement agreement and started making payments. I paid it off pretty quick so I could get another vehicle. Made my last payment around XX/XX/XXXX. A few months later capital one updated my account with the credit bureaus. So it then showed at paid/closed and I bought about vehicle in XXXX of XXXX ( the XXXX XXXX account still showed as closed/paid ). I then received an email from XXXX XXXX today stating that I owed them over {$800.00}! I called them immediately. They proceeded to tell me that my last payment ( from XXXX of last year ) had been returned 3 days after it was made! If this was the case why did they update my account with the credit bureaus months later to closed and paid? Why did they not send me one letter or email? Why did it take them a year to send me an email? If doesn't make any sense that I would make all my payments in quick succession to get it paid off and then mess up on the last payment! But to wait a year? With no letter or anything???
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-17
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. (NY)

I am writing to urgently address an issue concerning my credit report. Upon reviewing it, I have discovered this unauthorized account that has adversely affected my creditworthiness. I firmly believe this account is the result of identity theft and require immediate attention and resolution. I want to clarify that I did not initiate or authorize this account. This has been fraudulently opened without my consent or knowledge. To address this, I have reported the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of this account and take appropriate actions to remove it from my credit report. This account is not the result of any legitimate transaction or credit application made by me. 

XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Hello My Name is XXXX XXXX. I recently just looked online at my report. I see a charge with capital one credit card line of credit thats been use that I know nothing about. This is not my charge I never open this line of credit of {$4000.00}. The only capital one credit card that I know of is the one for {$300.00} dollars that I personally open to start of to build my credit. Someone have used my identity an this is fraud. I also see on my account a XXXX line of credit as well that I never applied for as well. I called XXXX they noticed there isnt a open account but I can see someone tried to apply for it.
Consumer complaint received 2024-07-17
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. (TX)

I was utterly shocked and devastated upon discovering unauthorized inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Consumer complaint received 2024-07-17
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. (NY)

I have sent numerous letters to your bureau regarding my status as a victim of identity theft, but my concerns remain unresolved. Once again, I am disputing the fraudulent information affecting my credit file. 
Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts. I have contacted the associated banks, provided the necessary documents, and had these accounts removed from their records. 

Other credit bureaus have already removed these accounts following the FTC complaint submission. I am curious about the verification process your bureau uses to continue reporting these fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: 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. 

XXXXXXXX XXXX  XXXX
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon checking my credit report I came across an account that was not mines and was opened as a result of fraud. Immediately provide the credit reporting agency with this information in the form of : 1 : signed affidavit that I had no knowledge of this account 2. Police report 3. Asked the agency to please provide the steps taken to support their finding 4. Asked them to send me validation of the debt 5. provide police report from my local police department of the situation Upon sending in information the credit reporting agency they did not assist me and frivilously handled my file.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I applied for a job position at XXXX XXXX XXXX and they told me that Trans Union had incorrect information on me and they had another name associated with me and social. That is not mine at all. They also had addresses that were not mine as well. The credit report had incorrect information, I contacted Trans Union to fix it, but they didnt have an account with my name so they couldnt fix it and I asked them to put a fraud alert and take my name away from being connected to the other persons information. My name is not XXXX XXXX XXXX!! Nor do I have that social, Nor those addresses!!!!!
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (TX)

On XXXX XXXX I looked at my credit report and noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year>, asking them to investigate these accounts, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I sent the letter certified. They sent me a reply stating they investigated, and the accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right.
Consumer complaint received 2024-07-17
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 am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. 

I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-17
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)

My account with XXXXXXXX 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 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. 


XXXXXXXX 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 2024-07-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Transunion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2024-07-18
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. (FL)

I reviewed my consumer report and noticed I had a late payment on an account that I was never late .For consuming reporting agencies have assumed a vital role and have a responsability to report consumer information to the best of their ability with maximum accurancy. I have never been late on payments for the account XXXX XXXX XXXXXXXX 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!