davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (NY)

Good afternoon, I was impacted by the pandemic my last day in my office was XX/XX/XXXX. I returned and had no choice but to accept a demotion on XX/XX/XXXX making approximately $ XXXX less than I was making. I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed a payment. The Corona Virus Aid Relief Economic Security Act was enacted in XX/XX/XXXX stating Late payments should not be reported to the Credit Bureaus. I contacted Lending Club letting them know of my situation. They allowed me 3 months grace period. After 3 months, I told them I was not back in my office and I'm not able to make my regular payments. They told me they are not able to keep my account open unless I make my regular payments, or I can settle the account. I settled the account and paid the amount settled in full. I contacted them on XX/XX/XXXX letting them know of the Corona Virus Aid Relief Economic Security Act, asking them to please remove the late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they responded and refused to do anything about it. Before the pandemic I always made my payments on time. If it wasn't for the pandemic, I would be able to make my payments on time. My Loan # is XXXX. I'm trying to refinance my house to pay off my credit cards but I'm not able to do so because Lending Club derogatory information is affecting my credit score and my ability to do so. Please call me if you have any questions XXXX. 
Thank you XXXX XXXX
Consumer complaint received 2024-06-28
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)

I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX XXXX XXXX account XXXX Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX XXXX XXXX has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX XXXX XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my credit score and financial standing. This is causing significant distress and potential financial harm, and it is imperative that this error be corrected without further delay. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
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 trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I looked at my report back on XX/XX/year> and again XX/XX/year> and noticed some things are still 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. 
These accounts XXXX XXXX and XXXX XXXX XXXX XXXX are not complete and accurate. They sent me investigation statement back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re investigation 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 re investigation ; and ( ii ) promptly notify the furnish-er of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of re investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either and according to 15 USC 1681s-2 they are supposed 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 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Paraphrased Version : I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Consumer complaint received 2024-06-28
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 checked my credit report and found that some of the data were incorrect. The XXXX 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. 
XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (MS)

I Just recently looked at my Experian Credit Report XXXX XXXX. I saw some hard inquires that did not have permissible purpose. 

XXXX. { XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b XXXX. { XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b XXXX. { XXXX XXXX, XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b XXXX. { XXXX XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b XXXX. { XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b XXXX. { XXXX XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b XXXX. { XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b XXXX. { XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b
Consumer complaint received 2024-06-28
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. (NJ)

To whom this may concern, I am delighted to notify you that you have infringed against my consumer rights! Please be aware that ONLY fair and accurate reporting is necessary for the financial system to function! According to 15 USC 1681 ( 1 ), disclosing false and unfair credit reporting information erodes public trust. 

I would want to inform you that not only have YOU taken on a significant part in assessing my credit report, but you have also ensured that you respect my right to privacy! You must not disclose any transactions or interactions between me and the person filing the report at all, since I have the right to privacy. Communication with others on shared ownership can only occur if it is distinctly and unequivocally revealed to me.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XX/XX/XXXX {$23000.00} this account is showing late payments for XX/XX/XXXX on my report according to consumer law US CODE 1681 definitions rules of constructions transactions are not to be included in this report XXXX XXXX XX/XX/XXXX {$9900.00} this account is showing late payments for XXXX and XX/XX/XXXX on my report according to consumer law US CODE 1681 definitions rules of constructions transactions are not to be included in this report
Consumer complaint received 2024-06-28
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)

Hello, I need to help me eliminate this information from my credit because it is affecting me. 

Account Name : XXXX XXXX XXXX XXXX 
Account XXXX Balance {$0.00} Account Name : XXXX XXXX Account XXXX Balance {$0.00} Account Name : XXXX XXXX XXXX XXXX Balance {$620.00} Account Name : XXXX XXXX XXXX Account XXXX Balance {$4800.00} Account Name : XXXX XXXX XXXX Account XXXX Balance {$4800.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-28
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. (MA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-28
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. (NJ)

I looked at my XXXX credit report on XX/XX/year> 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 2024-06-23
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. (NC)

Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXX deadline stated in your previous memo.
Consumer complaint received 2022-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

After multiple attempt to resolve issues with my Credit report with Equifax through online/certified mail/and phone calls Equifax refuses to remove errors on my account. They also are not investigating my account thoroughly and sending me a letter of their findings. When I dispute my account what is happening now is they will resolve the dispute hours after I submit it. I know XXXX well they have not contact any company of am asking for this company to remove my personal information out of there system and remove all illegal information from my reports. I know they have not received any documentation in that time frame thats unacceptable. My personal information has been compromised twice with this company through a data breach and they have yet to resolve the issue.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter to TransUnion Consumer Solutions to verify these late payments. I have not received any response or update on this account. Please investigate and verify this account as soon as possible. I HAVE NEVER BEEN LATE ON THIS ACCOUNT. I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late on this account to support your inaccurate reporting on my account. If you can not supply this, please DELETE these alleged late payments from my credit report per 15 USC 1681b.
Consumer complaint received 2024-06-28
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 filed a complaint to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

I opened a new Citi Checking account with the promotion that Citi offers ( XXXX : XXXX ) on XX/XX/XXXX. Funded {$15000.00} to the new account via money transfer from XXXX XXXX Checking ( external account ) on XX/XX/XXXX. The moment XXXX XXXX confirmed the balance was taken out of my account ( via email notification ), I logged into my Citi online account, but the new checking account and existing savings account were blocked. Tried calling Citi customer service for 1 hour and was passed around from one agent to another 2 agents without resolution. I called the Citi fraud prevention department on XX/XX/XXXX, but the agent was not able to confirm if {$15000.00} has been received or why all my accounts were blocked. I was told that I have to wait 30-60 days to receive a letter as to why my accounts were blocked and a check for both my checking and savings accounts which should add up to {$15000.00}.
Consumer complaint received 2024-06-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

Re : Victim of identity theft this is not sent in error, and not a material misrepresentation. 

The account below is in my credit file from unauthorized use of my social security number and card. Specifically, XXXX XXXX has defrauded me. I have no business with them or any member of their organization. The Lease Loan or account was placed on my account without any connection to any vehicle I own. I disputed this fraudulent account last year ( XX/XX/XXXX ), and it was removed from my credit report -- -due to fraud. I have a police report and an affidavit supporting that this is a fraudulent debt I never owed. 

XXXX XXXX XXXX XX/XX/XXXX Was notified by XXXX XXXX of the change Equifax has placed this account on my credit report. And this is fraud -- still. Attached is a police report and affidavit verifying the account was and is fraudulent. 

Equifax is reporting an " ok '' status of being paid while also saying it is a charge off??? I've never made a payment because I do not owe this debt, nor is it mine debt.
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (TX)

Equifax is reporting an account that I paid off XXXX percent as a charged off account! This is a MAJOR violation, and this is not legal whatsoever. I have tried numerous times to remedy this problem and you have come back and stated that this account was verified. How was this account verified when the data furnished from all XXXX bureaus are incorrect and inconsistent with one another? The company has been unable to verify this account when I contact them. They also failed to provide any proof of a XXXX form on this so called charged off account. If this account is not removed from my credit report, I will be filing a statement of claim against your company. The letter I sent your company disputing the inaccurate information is attached which is dated and time stamped. I am demanding that the following account be removed from my credit report : XXXX XXXX XXXX
Consumer complaint received 2024-06-28
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. (CA)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required XXXX complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the XXXX complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX