davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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. (MD)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-09-27
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. (MO)

There are errors on my credit report, violating 15 USC 16c-2, and they are harming my credit rating. I did not authorize the hard inquiries.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

I applied the US Bank Skypass Visa card XXXX. XXXX, 2024. The terms and conditions says I can receive XXXX Korean Air mileage points if I spend more than {$5000.00} in 3 month after I applied the credit card. 
On XXXX. XXXX, 2024, US bank changed the terms and condition that the person who has this card in last 5 years can not receive the bonus points even if he or she spent more than {$5000.00} in 3 months. There was no terms and condition like this when I applied this card. 
After I spent more than {$5000.00} in 3 months, I called US bank but I was told I could not receive the bonus points because I had this card in last 5 years. 
Shouldn't this rule be applied to the people who applied this card after XXXX. XXXX 2024? How did I know if this rule would be changed 1 month later? 
I attached the terms and condition that I received when I applied this card. There is no rule that US bank added on XXXX. XXXX 2024.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

This loan is a secured loan and XXXX XXXX closed the account without my consent. The information is showing incorrect across all credit bureaus and im requesting that this account be removed from my consumer reports. The account was closed in 2024 against the consumer wishes and now its being reported as negative. Please remove this account from my consumer report its an unnecessary account that hurts me financially.
Consumer complaint received 2024-09-27
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. (FL)

I was checking on my credit report the other day and found that there were inquiries reporting on my file that are not authorized by me. I don't remember approving any of these being reported in my account and it is causing me so much stress.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MD)

A credit inquiry was done fraudulently on XX/XX/XXXX from XXXX and on XX/XX/XXXX from XXXX XXXX, I have been a victim of identity left in the past, I contacted both fraud departments of each company and contacted all three credit bureaus with no help removing these fraudulent inquiries.
Consumer complaint received 2024-09-27
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 accounts 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/updated.

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.

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!
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My accounts 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/updated.

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.

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!
Consumer complaint received 2024-09-27
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-25
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. (SC)

XXXX XXXX, XXXX, 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 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 2023-12-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

XX/XX/XXXX I took a loan from Toyota Financial Services for {$50000.00} for a used car with monthly payments of {$920.00} and a maturity date of XX/XX/XXXX. 
I paid {$920.00} per month each month since then. 
On XX/XX/XXXX I paid an additional {$5000.00} to the principal of the loan. 
After that, TFS sent me an invoice saying I didn't need to pay my loan for the following 6 months. But I called them to clarify that I wanted to continue making payments each month but that I expected that the maturity date of the loan would change to an earlier date. One customer service person told me that this was correct. But the next invoice had the same maturity date of XX/XX/XXXX. I've now spoken with 5 different people including 2 " resolutions '' people who said that the maturity date does NOT change even if I make an extra payment to the principal of the loan.
Consumer complaint received 2024-09-26
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)

On XX/XX/year> Experian received my letter disputing negative and inaccurate information on my consumer report regarding to an account Ive had with creditor XXXX XXXX XXXX, account number XXXX. I requested proof from Experian that I was mailed or delivered statements and disclosures required by FCRA that were not later than 21 days before the payment due date with a tracking number from XXXX XXXX XXXX. Experian did not provide me with that information I requested.

15 USC 1681 ( e ) ( b ) Accuracy of Report- whenever a consumer reporting agencies prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning individual about whom the reports relates.
Consumer complaint received 2024-07-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (SC)

NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX ) - XXXX is currently reporting a unverified account on all 3 of my credit reports and is obviously re-aged. I have never heard of this company before and they are demanding money in the amount exceeding {$6000.00}.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I found late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-09-27
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. (CT)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

After calling XXXX, I got no response, then I called XXXX and was told to do a credit appeal which was wrong for my issue. Then I tried submitting a compliant on your site and received this message ; This page is currently unavailable. Were unable to take your feedback right now. We are working to resolve this issue as quickly as possible. Please come back later to resubmit. We apologize for the inconvenience. This message needs to get to your immediately and I can not wait until you fix it on your end. 

My issue is about my XXXX XXXX XXXX XXXX  that are covered under the Title IV of the Higher Education Act of 1965 ( HEA ) ; listed on the Social Security Administration website in their PROGRAM OPERATIONS MANUAL SYSTEM ( POMS ). Each Loan Provider such as XXXX, XXXX, etc all had a duty to know all Federal Educational Loans were under the Title IV of 1965 and that all my student loans are a GIFT used to pay tuition, fees, or other necessary educational expenses from my XXXX account. My APPLICATION for credit was turned into a COLLATERAL SECURITY per 12 USC 412 and I was supposed to be given a cash advance which is a purchase money loan per 16 CFR 433.1 ( d ) from the loan provider as valuable consideration of exchange which was the application for them to trade on the secondary market for them to profit from but instead those loans are on my credit report as if I'm suppose to pay it back, that's FRAUD. SEE ATTACHMENTS.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-27
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 accounts 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/updated.

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.

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!
Consumer complaint received 2024-09-27
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. (DC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-26
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. (VA)

XXXX XXXX XXXX XXXX XXXX  : CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b. Innacuries of data and dates of payments starting XXXX XXXX XXXX XXXX XXXX multiple months show " No data for this period '' and are not accurate across all 3 credit reporting agencies ( Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b XXXX : In violation of 15 USC 1681, 15 USC 1666b XXXX XXXX CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b XXXX XXXX XXXX  CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b. By law, one must furnish a 1099C for illegal charge-off accounts requested XX/XX/XXXX and never supplied the 1099C 's.

Everything reported here does not meet the FCRA. Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights.

Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Due to these violations, I have a right to sue per violation.
Consumer complaint received 2023-10-04
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. (SC)

noticed my credit score dips up and down with no one to give answers as to why. contacted all three credit agencies, but no help was supplied, I was either given only non english speakeing persons or Al qustions that didnt pertain to my questions.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Publishing this description will not affect how the CFPB handles your complaint.

( VPN ) 96 % Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. 
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( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( except