davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: InDebted Corporation (TN)

I paid a past due debt owed to XXXX  XXXX through their contracted debt collector, InDebted on XX/XX/year>. After noticing in the middle of XXXX that they were still reporting the debt as unpaid to the three credit bureaus, I disputed the debt with the bureaus. Possible falsely " verified '' the debt as valid and is not updating my account as required by law. 

I contacted Possible to inquire as to why this is happening and they responded that they don't have record of my payment and did not verify the payment was made with InDebted before verifying the debt to the bureaus. InDebted as informed me that they submitted the payment to Possible and that it is paid in full.
Consumer complaint received 2024-07-24
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)

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 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 2024-07-24
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. (NE)

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 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MI)

Fidelity Credit Card - issuer : Elan Financial Services I rarely use this credit card, so the monthly statement usually has only 1 -2 transactions. I used the card to pay for tuition in XXXX and then paid the card in full ( {$2100.00} ) on XX/XX/year>. 

In early XXXX I dropped a class and received a refund of {$1500.00}. This credit balance of XXXX was shown on my electronic statement. 

On XX/XX/XXXX, I called credit card customer service to see if I can get the amount ( {$1500.00} ) refund back to me. The agent said yes and it will take 2-3 days to show up in my bank account. 

On XX/XX/XXXX, I called back telling the customer service agent I did not receive a refund to my bank account. He told me the previous agent made an mistake and that refund need to be sent in a paper check. He said I will receive the check the follow week. 

On XX/XX/XXXX, I called again telling a different customer service agent I did not received a paper check. He told me the previous agent had made a mistake and it will take 15 days to receive a paper check. Something went wrong in their system and I have to wait another 15 days. 

On XX/XX/XXXX, I received a letter stating my XX/XX/XXXX request was cancelled but did not explain why. I called the customer service again. This time a supervisor was on the phone. She said she need to do some research on the issue and I need to wait for another 15 days. It's been over a month and my refund request is going nowhere.

At this point I asked to cancel my credit card as the customer service is unreliable. Every time I called, they blame the mistake to the previous agents and asked me to wait another 15 days. I don't have confident that I will ever see the refund. So please help!
Consumer complaint received 2024-07-24
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. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX XXXX XXXX XXXXXXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-24
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)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-07-24
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)

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. 

and list of Inquiries. 

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. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 Account Number : XXXX and list of Inquiries. 

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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX Balanced : {$0.00}
Consumer complaint received 2024-07-24
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)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/XXXX 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-05
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. (TX)

TRANSUNION is currently reporting credit inquiries not authorised by me. 
Have reached out to the creditors and they can not find these inquiries in their system using my social security number. I am requesting they be removed from my file. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
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. (NV)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, 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, XXXX, XXXX credit reporting agency, 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. These fraudulent, inaccurate, and false information consists of a account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and a account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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 accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-20
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: BARCLAYS BANK DELAWARE (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiry by Barclays Bank To Whom It May Concern, I am writing to formally dispute the unauthorized hard inquiry that was placed on my credit report by Barclays Bank . This inquiry is a violation of my rights under federal law, specifically under 15 USC 1602 ( p ) and 15 USC 1681c-2.

Violation Details : 1.Use of Information : I did not provide Barclays Bank with my consent to perform a hard inquiry on my credit file. The use of my personal information in this manner is unauthorized and fraudulent. 

2.Violation of 15 USC 1602 ( p ) : Under this section, the protection of consumers ' personal information is paramount. Barclays Bank violated this statute by accessing my credit file without proper authorization.

3.Violation of FCRA Section 605B ( 15 USC 1681c-2 ) : According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to block the reporting of information resulting from identity theft or fraud within four business days of receiving notice. The inquiry by Barclays Bank is fraudulent, and I expect it to be removed promptly in compliance with this law. 

Requested Action : I request that XXXX immediately remove the unauthorized hard inquiry from my credit report. As FCRA Section 605B mandates, this fraudulent information should be blocked within four business days of receiving this letter.

This unauthorized inquiry has negatively impacted my credit score and has caused undue stress. I trust that you will handle this matter swiftly and in accordance with federal law.

Please confirm in writing that the hard inquiry has been removed and that my credit report has been updated accordingly.
Consumer complaint received 2024-07-24
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)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-07-24
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)

I checked my credit report hoping to see it just the way it is, but I was met with disappointment because of the inaccurate accounts that are reporting there. I don't have any idea why they're on my credit report nor have I authorized those inaccurate accounts to be on my file. I am kindly asking you to please check the documents I've sent so that this thing will never happen again to me.
Consumer complaint received 2023-04-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have an account with an stats of closed I tried to have it removed from my credit report under the fact tht the report is closed but was denied and told it the report was accurate. the report was also opened on XXXX XXXX XXXX this was supposed to be removed after 7years of being on my account this company even went as far to update the collection in XX/XX/ regardless of the fact that it's clearly been past seven years and this account has to be removed from my account.
Consumer complaint received 2024-07-24
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. (NH)

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX  - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Consumer complaint received 2024-08-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Onity Group Inc. (CA)

My mortgage loan was used to file chapter XXXX on by an unauthorized 3rd party XXXX XXXX. She filed bankruptcy and lied listing my legal mortgage debt as her own to be able to keep the home she took from me. 

I always felt the court allowing this filing was wrong and defied the purpose of what bankruptcy is intended for. And that's only for the legal debtor to file and make arrangement on their own debt. Not some 3rd party. 

I met with a bankruptcy legal aid attorney recently who reviewed this person application and stated it indeed was bankruptcy fraud committed. this person listed in her XXXX  application that my legal mortgage debt was her own. And the court allowed her to make pay arrangements on my loan. Causing a conflict of interest to me which affected my livelyhood. While she was lying in a court of law my debt was hers. I was still legally obligated which stopped me from being able to qualify for a place. 

The attorney said even if she was on deed with an interest in property she still not the legal debtor and therefore can not file on another person debt. I asked her how did the court let this go through. The atty stated she may have lied to her attorney and judges don't question attorneys. 

The legal aid bankruptcy attorney verified fraud. XXXX. XXXX XXXX I also researched this matter just to be sure. Can a person only on deed list someone else debt as theirs and file XXXX  on it getting arranged pay plan. And the information was no and coincided with same information attorney gave me. 

So I contacted phh mortgage to investigate if this chapter XXXX filing was even valid because it appears it was bankruptcy fraud involved.
Consumer complaint received 2024-07-24
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. (NV)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (TN)

XXXXXXXX XXXX is a company owned by XXXX company ( XXXX XXXX XXXX XXXX  XXXX This XXXX XXXX XXXX XXXX. XXXX XXXX  and XXXX MA are reporting that my business account ( XXXX XXXX XXXX ) is a consumer credit account ILLEGALLY, after I closed my XXXX Bank account. 

None of the XXXX credit bureaus will remove the account from my consumer credit report. 

Both companies recently ( XX/XX/year> ) reported activity on my report as a consumer debt. Neither will supply the initial business account agreements. 
This act dropped my consumer XXXX XXXX XXXX points in XXXX day ( XX/XX/year> ) XXXX XXXX is practicing the exact same tactics illegally reporting my Business Credit ( XXXX XXXX XXXX ) as Consumer credit. I also previously closed my consumer account with them as well after XXXX  years. 

Neither account is delinquent but the actions gives the impression that my revolving credit is increasing and it brings down my XXXX XXXX on all XXXX bureaus. 

The bureaus WILL NOT properly investigate and resolve the facts of the disputes after 2 years. 

I need a mediator to investigate and assist in resolving these issues and/or disputes before I am forced reluctantly seek legal counsel.