davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Reviewed most recent credit report and I noticed a repossession that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the repossession disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681ia1 and 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Consumer complaint received 2024-10-04
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. (MI)

i took a look at my credit report and i see some inaccuite information on my report that i need off my credit repot because it is hurting my report. i need a debt validation and verification letter confirming details of the debt of these companies Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX I Account number XXXX Account type Collection and there are address that are not mine and i do not stay at all, my address is XXXX XXXX XXXX that is in XXXX MI XXXX is the zip all other i need off my report. Do to the FCRA I have the right to a accurate credit report from this data furnisher and i will like an update with proof of and ingestion and an updated report. 

Thanks, and have a blessed day sincerely XXXX XXXX
Consumer complaint received 2024-09-17
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute Regarding Reinserted XXXX  Account on My Credit Report To Whom It May Concern, I am writing to formally dispute the reappearance of an account associated with XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX This account was previously removed from my credit report but has now been reinserted without proper notification. This action violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), which outlines the procedure for reinsertion of deleted information.

According to the FCRA, if any previously deleted information is reinserted into a consumer 's credit file, the credit reporting agency must notify the consumer within five business days. I did not receive any such notification, and as a result, this constitutes a violation of the Act. I request that Equifax immediately investigate this matter and remove the XXXX account from my report. 

For your reference, the details of the account are as follows : - **Creditor** : XXXX XXXX XXXX XXXX **Address** : XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with written confirmation that this account has been removed from my credit report, and ensure that proper steps are taken to prevent this error from recurring. 

Thank you for your prompt attention to this matter. I expect a resolution within the time frame specified by the FCRA, and I appreciate your cooperation. 

Sincerely, **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with 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 60 days 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.

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 2024-09-17
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: EQUIFAX, INC. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Dear Sir or Madam, I am writing to request the removal of a closed account that shows one late payment and is reported on my credit reports from TransUnion and XXXX with one date, while XXXX shows a different date. This discrepancy raises concerns about the accuracy of the information in my credit reports. 

The details of the account are as follows : Account Name : DISCOVERBANK Account Number : XXXX My request is based on the following laws : Inaccuracy of Information : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information in my credit reports. The inconsistency in reporting dates suggests that the information may not be accurate.

Responsibility to Report : According to 15 U.S. Code 1681s-2, creditors are required to report accurate information. If there are discrepancies in the dates reported by different agencies, this could indicate a failure to meet that obligation.

Right to Deletion : Under the FCRA and other applicable laws, I may request the removal of information that does not accurately reflect the current status of an account. A late payment on a closed account, especially with inconsistent dates, may unjustly affect my credit history.

Given these points, I kindly request that the CFPB investigate this matter and facilitate the removal of this account from my credit reports. It is essential for my credit history to reflect accurate and fair information. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

We applied for a 2nd Bank of America VISA XXXX XXXX  credit card after XXXX receive an offer in the mail. XX/XX/2023 {$100.00} statement credit. XXXX bonus miles and famous companion fare {$120.00}. We received the cards and I used mine to charge {$3700.00} on XX/XX/2023 for my first XXXX XXXXXXXX. Since then, we have been trying to get XXXX added as an " owner '' instead of just an applicant. Bank of America has not been honest and transparent with the application process. So this card did not show up online with our 5 other accounts, checking, savings, XXXX XXXX XXXX, 2 equity loan accounts. After calling them up, we were told that XXXX had to give his permission to add me as a co-owner. We did this. XXXX gave his permission over the phone and the rep claimed " her computer crashed ''. She told us to go into a bank branch. We did. XXXX tried 2 times to call the credit card phone XXXX. 2nd time we got through. To verify us, the rep tried to send XXXX 's work phone a code. It did not work. They tried to send a code to XXXX XXXX XXXX. It did not work. The bank manager had to confirm our identities on our drivers ' licenses. They then responded that this account would go to a board to decide if this change would happen or they would cancel and start a new account. So i used it a couple more times and paid the {$5000.00}, more than we have charged. NOTHING. We can not see this credit card and our transactions. We do not know why BA is denying this credit card. XXXX does not do any online banking and gave his permission for me to keep track of this card. XXXX is a community property state so why does this even matter? Maybe you guys can get BA to add me as an owner on this account so that we can see it online with our 5 other accounts.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 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 2024-09-11
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 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 deletion due to inaccurate reporting in my file. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-11
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. (SC)

I am writing to inform you of a recent identity theft incident that has resulted in the fraudulent addition of several accounts and one unauthorized inquiry on my credit report. These entries were made without my knowledge or consent, and I am requesting their immediate removal. 

ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> An official identity theft report has been filed with the Federal Trade Commission ( FTC ), and I request the prompt removal of these fraudulent accounts and the unauthorized inquiry to ensure the accuracy of my credit report.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-11
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-11
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (GA)

In XX/XX/year>, my student loans were transferred from servicer XXXX to servicer Aidvantage. My loan payment jumped from $ XXXX to $ XXXX. 

I have documentation from XXXX showing that my loan is on a graduated payment plan, and the current terms of {$360.00} payments started on XX/XX/year>. All of the information I have received indicated nothing should have changed in the transfer from XXXX to Aidvantage. 

When I have asked Aidvantage why it changed, they can not give me any explanation, and even went so far as to say they have no record of my prior terms with XXXX. This clearly can not be the case given they have all of the loan information, my personal information, and my bank account information. Clearly they got information in the transfer. I find it impossible to believe they would not have gotten the loan terms as well. 

They appear to be recalculating the loan terms based on their own information. And despite multiple conversations and document requests, they can not give me a straight answer and indeed have hung up on me. And the documents I have received provide no explanation. Just a restatement of the fact that my loan amount has changed.
Consumer complaint received 2024-08-29
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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-04
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)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-08-22
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. (MI)

XXXX XXXX XXXX XXXX, XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Bankruptcy Entry on Credit Report Dear TransUnion Consumer Solutions, I am writing to dispute the inaccurate and damaging bankruptcy entry that is appearing on my credit report. TransUnion is the only credit reporting agency that is publicly furnishing this information, and despite my repeated attempts to have it corrected, the error persists. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I am entitled to have accurate information reported on my credit file. The inclusion of this bankruptcy entry is not only false but it is also negatively impacting my credit score and ability to obtain credit.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), it is unlawful for a credit reporting agency to report inaccurate information that has not been verified. I have not been provided with any verification of this bankruptcy entry and therefore, it must be removed from my credit report immediately. 

I am requesting that TransUnion investigate this matter and provide me with written confirmation of the removal of the inaccurate bankruptcy entry from my credit report. I also request that a corrected copy of my credit report be sent to me and any other entities that have received my credit information within the past six months.

Please provide me with a written response within 30 days of receiving this letter confirming the removal of the inaccurate information. Failure to do so will result in further legal action being taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-17
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: EQUIFAX, INC. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ( Original Creditor : XXXX  ) XXXX Balance : {$550.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$160.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX