davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
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)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$1300.00} XXXX CARD XXXX Balance : {$1300.00} XXXX XXXX XXXXXX/XX/2024
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-10-28
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. (FL)

Urgent Request for Immediate Correction of Inaccurate Reporting : Upon reviewing my consumer reports, I was deeply disturbed to discover significant inaccuracies regarding alleged late payments on multiple accounts where I have consistently made on-time payments. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required by law to ensure the highest level of accuracy in reporting consumer information. I have never missed payments on the following accounts : Accounts : 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 XXXXXXXX ) I am demanding an immediate and thorough investigation into these discrepancies, to be completed within four days, as stipulated by the FCRA. You are required to provide definitive evidence, such as detailed account statements, that support the claim of late payments. Failure to provide such proof within the specified timeframe will result in my demand for immediate correction, ensuring the payments are accurately reflected as on-time, in strict compliance with FCRA Section 611, which mandates both accuracy and completeness in consumer reports.

I have consistently honored my payment obligations on time and will not accept this error. Please rectify this issue immediately.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-01
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 recently had some old files deleted off my credit report which in turn, boosted my credit score. My credit score was nearing a XXXX score minimum. I was shopping for a car and had several inquiries pulled. I also filed for XXXX XXXX to save my home. All three credit bureaus dropped my scores at least XXXX points. It seems as though when my scores are heading upwards for my credit betterment, the bureaus deliberately drop my scores XXXX or more points. I believe as an XXXX XXXX, I am being unfairly targeted to keep me in a poor credit status. Credit inquiries when car shopping should not have affected me so drastically. My score had dropped so low, which in turn will take a year or more just to rebuild it. These practices are unfair and unjust.
Consumer complaint received 2024-10-01
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. (PA)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be XXXX XXXX XXXX Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TransUnion 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 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.

TransUnion 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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to dispute the inclusion of this XXXX  on my credit report, as I have a letter from the court confirming it should not be reported. Additionally, an unauthorized third party is involved, which only adds to the seriousness of this situation. I do not consent to any fraud alerts being added to my file. I did not authorize, benefit from, or consent to any of the listed accounts from these companies. Please block and remove them immediately, as I have no knowledge of these accounts due to the XXXX and XXXX data breaches. All matters will be investigated by the CFPB and FTC. According to FCRA 605B, this information must be blocked until the investigation is complete.
Consumer complaint received 2024-08-27
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. (MT)

The results of the reinvestigation of my dispute with an account that continues to be reported in error on my credit report is proof that Experian XXXX Inc. has more than once failed to lawfully make the corrections to my credit report. I have an active balance on an account that I can not use or have access to. How can I have an active balance for an account I do not have access to and that has been close? I demand Experian , Inc. to remove the account permanently from my credit report immediately.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was submitted well before the due date of XX/XX/XXXX. I have attached bank statements and payment confirmation as evidence that my payment was made on time. 
Despite the timely payment, the late payments entry of 30 and 60 days has been inaccurately reported by XXXX, which may have been caused by a clerical error in processing my payment.

Additionally, there was no notification or communication regarding a late payment, and I received no notice of delinquency from the creditor, further supporting the claim that this was an administrative mistake.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-17
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. (OH)

I was notified that I was the victim of identity theft XX/XX/year> by XXXX XXXX XXXX They told me the thief had my name, birthdate, social security number, and some credit card information ; I had received information from the Department of Justice that a data breach had occurred with my information involved. XXXX XXXX XXXXXXXX had obtained the thief 's address, phone number, and email she had created ; they gave that information to me. She had called the bank saying she had moved and gave them her information, but she claimed her credit card had been lost and she wanted a new card. She used this technique at least three times that we know about, but she was stopped because the banks ( XXXX XXXX  XXXX, XXXX, and XXXX  ) called me to verify the activity. Also, I had contacted the credit reporting agencies, had my reports labeled " fraud, '' and froze them.During that process Experion asked me to take an additional step and create a pin for my records that would be used to verify it was me each time they were contacted. Unfortunately, Experian accepted the thief 's request to apply to receive my credit report with no regard to " fraud '' " freeze '' or " pin. '' On XX/XX/year> Experian sent me an email saying they had updated my information, and if it was not me who requested the change, please click on a link to Customer Support and log on ; however, she had already been given access to my account as they sent her my username ; she changed my password ; she also changed my phone, address, and changed my email from mine to hers. When all my verification failed because it had been changed, I tried contacting Experian through Customer Support 4 times with the information and have received no response ; I tried to call, but the automated phone system could not recognise my information ; I tried to call the fraud department to stop them from mailing out my personal information. So far I have been unsuccessful in reaching them, and they have not responded to my requests for help. It is now day three since I was notified of the information " update '' and I must continue to get their attention. I am retired and XXXX XXXX XXXX, and I want this to be resolved. Thank you for this additional service you provide.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/2023 I opened the dispute with Goldman Sachs, Apple Card in regards to the incorrect balance that appears on the billing statement and the ongoing interest charges. Below is the basis of my complaint. 

XXXXMy complaint / dispute is the following : XXXX. No balance is owed on the account because it has been paid in full. They are simply miscalculating and misapplying the refunds and adjustments to the statement. They are not following the terms and aggrement for the card. 

XXXX. Stop charging interest if no balance is owed. 

XXXX. Correct the balance and REFUND me for the overpayments I have made. 

To support my claim I have attached : XXXX. ) pictures of their calculations from the Apple Pay app which provide proof of my claim. 
XXXX. ) XXXX statements which include the total interest charged for each year, XXXX. ) Screenshot of the spreadsheet I created to calculate the true balance. All amounts on the spreadsheet I created are directly from the information they provided in the app. All I did was calculate the totals. 

As of today I overpaid the card by a minimum of {$600.00}. 

XXXXApplecard Goldman Sachs affirms what I am disputing as FACT and provides this information within the ApplePay app!!! 

In 2023, Apple Card Goldman Sachs began providing a weekly, monthly, and yearly breakdown in the Apple Pay app. This is included the following for each week, month, and year : I. Spending XXXX. XXXX XXXX XXXX. Interest XXXX. Payments made XXXX Refunds VI. Adjustments. 

Based on the calculations Goldman Sachs provided within the breakdown, it is more than evident that my calculations were correct. 

XXXXACTIONS I HAVE TAKEN in an EFFORT to RESOLVE the situation On dozens of occasions I filed a dispute with Applecard GS. This began XX/XX/2023 when I disputed the fact that no balance is owed on the account and thata Credit is owed to me for overpayment of the true balance owed. I informed them that no further interest charges should be Applied no balances owed. Each time they attempt to inform how interest works. Obviously they were not listening to what I was stating. After reiterating my complaint to the representative/specialist, I am then told that they will have my complaint escalated my and it will be reviewed. Furthermore, they stated I would hear back in the coming days. 

However, to this day I have not heard or been sent a response regarding the balance and ongoing interest charges. In fact, no attempt to respond has been made on by Goldman Sachs and it is apparent they have not reviewed the matter. 

Again it has been over 120 days since I first filed the complaint and 90 days since I most recently resubmitted my claim. This simply unacceptable and not in compliance with the laws that they are governed by. In fact the manner in which they have ignored me is abusive. To this day their response has been NOTHING!!!
Consumer complaint received 2024-10-01
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. (CA)

This letter serves as my final demand for immediate action regarding unresolved disputes related to inaccurate and unverified items on my credit report. Despite my multiple attempts to correct these errors, your failure to conduct a proper investigation and remove these items from my report is a clear violation of the Fair Credit Reporting Act ( FCRA ). This XXXX  is unacceptable, and I insist on prompt rectification.
Consumer complaint received 2024-09-09
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2022-03-24
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CA)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX