davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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. (TX)

XXXX XXXX XXXX XXXX is an account that i demand be deleted from my credit report on the basis of so many inaccuracies and incomplete information. Wrong Charge off Date ( 1099-C ) was issued after being filed, which enabled the debt to become income. States IRS Publishing- account should not be listed as a charge off which is not income and income can not be reported noncredit report. Also account has No balance recorded, no payment history reported etc .... 15 US Code 1681s-2,1681s-2ab2
Consumer complaint received 2024-08-06
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)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-06
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. (GA)

This is my first request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account. 
XXXX XXXX XXXX  XXXX Balance Owed : {$52.00}
Consumer complaint received 2024-08-06
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. (CA)

I recently looked ay my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX. XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX
Consumer complaint received 2024-08-06
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)

Dear CFPB Representative, I am writing to formally lodge a complaint against XXXX  XXXX Account number:XXXX regarding the account referenced above. I believe that XXXX XXXXXXXX has engaged in improper and potentially illegal practices related to the reporting of this account, which have adversely affected my consumer rights and financial standing. 

Violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), certain types of information are excluded from the definition of a consumer report. The law states : " ( d ) Consumer report ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' I believe that XXXX XXXX has failed to adhere to this provision by improperly reporting information related to my account. Specifically, the information being reported does not meet the exclusion criteria. 

Violation of 15 USC 1666b ( a ) : Furthermore, under 15 USC 1666b ( a ), the law states : " Time to make payments ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' I believe thaXXXX XXXX XXXXXXXX has also failed to comply with this provision. They have improperly treated my payments as late, which is in violation of 15 USC 1666b ( a ), and have reported these late payments to consumer reporting agencies, causing undue harm to my credit score and financial standing.

Request for Documentation : I am requesting that XXXX XXXXXXXX provide clear documentation and evidence that the information being reported on my credit report complies with the requirements of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) and that they have not treated my payments as late in violation of 15 USC 1666b ( a ). Without this evidence, the reporting of this account is unlawful and damaging to my credit score and overall financial health.
Consumer complaint received 2024-08-06
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 Dont recognize this hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance : -
Consumer complaint received 2024-08-06
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. (IA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe : {$3000.00}
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-06
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)

I am personally filing this complaint regarding late payments on my credit record. After examining my file, I noticed these late payment entries. I sent correspondence about this issue more than 30 days ago, but have received no response, nor has adequate validation been provided.
Consumer complaint received 2024-08-06
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I have been using my chase credit card while temporarily working in XXXX XXXX Fl area. While lodging at a studio room at a hotel, I have been making purchases up to approximately {$100.00} at XXXX XXXX. On Sunday XX/XX/2019, I made a {$29.00} purchase. My chase statement shows the {$29.00} purchase and two additional purchase for {$590.00} and {$10.00}. On Monday XX/XX/XXXX, I made a {$32.00} purchase. My chase statement shows the {$32.00} purchase and two additional purchase for {$190.00} and {$5.00}. Reviewing my on-line Chase statement XXXX   XX/XX/2019, I noticed these additional charges. I did not make {$800.00} worth of purchases at XXXX. I contacted chase and disputed the two largest transactions {$190.00} and {$590.00}. The Chase card was cancelled. They removed the charges for XXXX months while they investigated. They sent me a new card which I never activated. I noticed in XX/XX/2019 the two charges were put back on my account. I called chase to dispute and they recommended I contact the police. I contacted XXXX XXXX XXXX Police department, ( see attached police reports ). I never lost the credit card. The police contacted XXXX and reviewed the transactions on my chase card. They see the legitimate purchases in their records. The two disputed charges do not exist in the XXXX data base ( see second police report ). I am not surprised since I never made these purchases. 
I have disputed these charges four times with Chase. They keep stating the charges exists even though XXXX has no record of these purchases ( see second police report ). I have paid the approx. {$800.00} so I dont rack up interest and penalties and ruin my credit. I ask Chase what they verified when there is no record of the purchases at XXXX. They state since the charges are point of contact and numbered sequentially, they must be legit. My wife XXXX is a witness for the two legit charges of {$29.00} and {$32.00}. The other charges are not legit ( Chase computer error? ). 
I am looking for assistance in getting Chase to correct their billing errors.
Consumer complaint received 2024-08-06
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-08-06
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 am writing to follow up on my recent communication regarding unauthorized accounts on my consumer report linked to identity theft. I formally demand the immediate blocking and removal of these fraudulent accounts from my report, as I never provided written consent or a wet signature for their inclusion. 

These inaccurate entries have caused me significant emotional and financial hardship, misrepresenting my credit history and obligations. They have impeded my ability to achieve crucial financial milestones, including purchasing a home and providing for my family 's needs.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am contacting you regarding fraudulent personal information falsely linked to my identity. Unauthorized accounts and transactions have been wrongly attributed to me, causing significant distress. I am a victim of identity theft and have already reported this incident. 

This situation has severely impacted my financial standing and personal reputation. I urgently request your immediate assistance in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I stand ready to provide any necessary evidence to support my claim.
Consumer complaint received 2023-08-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

I attended several for profit schools. Navient currently handles my private student loans in the tune of XXXX dollars. My private student loans should have been covered under the class action lawsuit brought against Navient for their illegal practices. 

The original loan balance was XXXX dollars and now it XXXX XXXX. Navient has proven to be a criminal enterprise that prays on peoples with these predatory loans. 

I was told that my loans did not qualify for forgiveness because I was in bankruptcy at the time of the lawsuit was in place making my loans current. Had I not filed for bankruptcy my loans would have been part of the discharge. 

Im hoping you can help resolve this issue and do the right thing and stop this criminal enterprise from further ruining my life as well as everyone elses life who are in the same situation. 

Please look into this and help with a resolution. 

Thank you!
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

When periodically reviewing my credit report, I noticed an account is still open with a balance that should be closed and have a XXXX balance. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX Account number XXXX Reports a XXXX dollar balance and should report a XXXX balance and be closed
Consumer complaint received 2023-04-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (FL)

Carvana XXXX XXXX, is stalling on picking up a vehicle, that I have been trying to return for since XX/XX/XXXX, two days after I picked up the car, I called and spoke to them and let them know that the tan interior of the car was dirty, the drivers side inside of the door, was not represented in the pictures, the inside rear view mirror didn't turn., the breaks were squeaking, the informed me to look for other cars we picked a XXXX the XXXX XXXX payment was over {$950.00} a month, they ran my credit again and told me if I swapped the XXXX for the XXXX it would not be possible, because my payments could go any higher than XXXX $ I told the finance person that was stupid, Im already gon na pay over {$900.00} for the current vehicle, he said After the credit check 3 days after I picked up the XXXX XXXX told him, never mind, he then had a woman help me for two hours looking at vehicles as I sat on my phone, she was suppose to call me back in 2hours never did, I was running out of time as I had seven days to return the XXXX on XXXX, XXXX, I told them I want dto return the vehicle and was assured someone would call me the next day, I never spoke to anyone, On the XXXX seven days After I received the car, I called and their was a 4 hour hold time, which I help for 46 minutes and the call dropped, I called back, and they said no escalation ticket had been created, I called the XXXX they said, an error had prevented them from scheduling a day to pick up the car, on Saturday the XXXX I called and was transferred, on Sunday the XXXX I spoke to man named XXXX who said he saw that I had been trying to return the car, and that he saw the evidence of all my phone calls and that the ball had been dropped several times. Today which is XXXX ; XXXX XXXX, I spoke to XXXX who informed me that it would take a minimum of 5-10 days for caravan to pick this car up, that he saw all the errors and that another ticket was being created. I told him that isn't acceptable, As I have been trying to return this car for over 12 days, he read through the notes and apologize the gave me arcana Headquater address, I informed him that I was gon na write the consumer financial protection bureau, because I have this car insured and I have reached by 400 miles, I was informed that the were extended it to 600 miles by XXXX, XXXX, and the young lady from Saturday. I don't know what else to do. I am have tried, their are several notes in the computer, extensive notes about me calling, and XXXX informed me he saw that I had been diligently trying to return this car, I am a XXXX XXXX veteran, who suffers from XXXX XXXX  and XXXX XXXX, I am frustrated and find it very unkind, that the will not e follow through, and that I have to go to this length to have them come get this car, 5 business days from now is the first week of XXXX and 10 would be the second week of XXXX, that I have a car I have to keep insured, not driving AT ALL, which is crazy