davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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. (MN)

On XX/XX/XXXX, I logged into XXXX XXXX and discovered a recent hard inquiry for credit from XXXX XXXX. I called the company to dispute the hard inquiry and inform them that authorization to use for my credit was not provided. The last authorized request for credit was in XX/XX/2024 for XXXX XXXX. The company took my dispute but indicated that the I would need to dispute with the bureaus. I talked to agent # XXXX @ XXXX. 

I contacted transunion who informed me that they do not remove hard inquiries and I needed to dispute with the creditor and file a dispute with the FTC. 

I filed a dispute with the FTC as requested. The reference number is XXXX. 

Additionally, I added credit freezes to all bureaus. 

I would like the unauthorized hard inquiry from XXXX XXXX removed from my bureau.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XXXX XXXX I file a dispute with both Equifax and XXXX credit agency to have XXXX XXXX XXXX removed from my credit reports. I no longer owe a debt to this lender, and the balance is showing as a {$0.00} balance and closed account on both reports. I reached out to XXXX XXXX XXXX and requested for them to report to be removed from my account but was instructed to contact the credit agency to have it removed. I contacted XXXX and they stated that the account is already showing {$0.00} balance. However I would like to get this account removed completely from my credit reports both Equifax and XXXX.
Consumer complaint received 2024-10-03
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. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-03
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 called to make a payment on my XXXX XXXX account on XX/XX/XXXX before my XX/XX/XXXX due date. Their online system will not accept my XXXXXXXX XXXX account online, so I have to spend the time speaking to a customer representative to make a payment. 

I spoke to a customer representative over the phone and confirmed both my account number/routing number. She confirmed that the payment had been processed. 

I got notice a few weeks later that they had reported my account as past due and then proceeding to report to all the credit bureaus, which resulted in a chain reaction of several banks cutting my credit limits, leaving my unable to use cards for corporate travels/reimbursements. 

When I called XXXX XXXX on XX/XX/XXXX, they confirmed that this was an error on their end. The agent had mistyped my account number and added an extra XXXX to the end. After this was done, there was no communication and the account showed paid online. They acknowledged fault and refunded the late fees. 

They mentioned that I dispute with the credit bureaus, but answered the dispute saying that I was past due. 

The two screenshots show that they reversed the late payments and recorded a payment on XX/XX/XXXX. The second shot shows my bank account on the date and that I had enough money to make the payment.
Consumer complaint received 2024-10-03
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MI)

Experian is reporting a dismissed Bankruptcy that is damaging my credit as if the Chapter XXXX bankruptcy is completed. I am XXXX and have been denied affordable housing with this as a factor. Credit has been refused because of this. When I contacted the agency they said contact the courts they are responsible. I received a letter from the courts after inquiry stating they are not reporting. This is already a public record and they do n't report to any credit bureaus. I am being penalized as if bankruptcy actually went through. I filed papers in XX/XX/2011 and it was dismissed in XX/XX/2011 due to inability to follow through due too declining health insufficient debt. I am receiving the same punitive treatment as if I had followed through and none of the relief or debt forgiveness
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 2023-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NJ)

Notice to Agent is Notice to Principal.

Notice to Principal is Notice to Agent.

Silence is acquiescence. Acquiescence is estoppel. 

Re : Unauthorized Transactions [ Account Number : XXXX ] Ref : ( Claim No : XXXX ) On XX/XX/2023 I notified TRUIST of several unauthorized transactions that appeared on my account which caused several overdraft fees to be charged to my account. TRUIST has charged several fraudulent and invalidated overdraft fees to my account. First, on XX/XX/2023 I was incorrectly charged an overdraft fee of {$36.00} for a {$50.00} XXXX XXXX* transaction which brought my account balance to - {$12.00} when my account balance was actually {$73.00} on XX/XX/2023 which means my account balance should have been {$23.00} after the {$50.00} XXXX XXXX* transaction and an overdraft fee should not have been charged to my account. On XX/XX/2023 my account was charged another {$36.00} overdraft fee for an unauthorized transaction of {$37.00} from XXXX XXXX XXXX On XX/XX/2023 my account was charged two ( 2 ) overdraft fees of {$36.00} each for one ( 1 ) unauthorized transaction of {$21.00} from XXXX XXXX XXXX On XX/XX/2023 my account was charged another overdraft fee of {$36.00} for an unauthorized transaction of {$10.00} from XXXX XXXX XXXX Around XX/XX/2023, I reached out to the merchants to inform them of the unauthorized transactions charged to my account and requested a refund. On XX/XX/2023 I received a refund to my account for the unauthorized transaction from XXXX XXXX for {$21.00} and I haven't heard anything back yet from the other 2 merchants. TRUIST has refused to refund me the two ( 2 ) overdraft fees caused by this unauthorized transaction on XX/XX/2023 from XXXX XXXX  XXXX I received notice from TRUIST on XX/XX/2023 stating they would not refund my account for the unauthorized transactions and the erroneous overdraft fees that were charged to my account. TRUIST has breached their fiduciary responsibility with the servicing of my account and has extorted funds from me for erroneous overdraft fees and unauthorized transactions which is a violation of my rights under The Color Of Law and a violation of the Electronic Funds Transfer Act 15 U.S.C. 1693.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account was never late! I have had exceptional payment history 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 to be 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.

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!

Update the late payments from my consumer reports
Consumer complaint received 2024-10-02
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. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-02
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. (AE)

The following accounts are reporting back to me as it belongs to me. I am currently XXXX XXXX XXXXXXXX i have no access to apply for anything in my name. These accounts are fraudulent I am asking that these accounts get removed for it is an huge affect on my career and my credit. Remove these items from my report for they are fraudulent. My complaint isn't being taken very seriously. Please provide me any proof that these belongs to me when I don't have access to obtain such items,
Consumer complaint received 2024-10-02
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. (GA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-10-02
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)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-02
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. (MI)

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX TransUnion
Consumer complaint received 2024-09-14
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. (NJ)

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within four business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( e ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( 2 ), collection activities must cease regarding debts from this identity theft.
Consumer complaint received 2024-10-03
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX {$7300.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. ''
Consumer complaint received 2024-09-30
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. (KY)

I want to seek help about this issue I am having regarding my credit report, I need these errors in my credit report to be investigated as its affecting my ability to obtain credit. For now, please remove these information as I was informed by a law expert that these information can be blocked.
Consumer complaint received 2024-08-02
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. (NY)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-09-14
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. (LA)

Heres a statement detailing how the account with XXXX XXXX XXXX violates specific codes : -- - The account with XXXX XXXX XXXX ( number XXXX ) violates several key regulations : 1. **15 USC 1666b ( Fair Credit Billing Act ) ** : The account, despite being paid and closed, shows a written-off balance of {$5000.00}. This suggests potential inaccuracies in billing records or settlement terms that have not been properly addressed or corrected. 

2. **15 USC 1681 ( Fair Credit Reporting Act ) ** : The reporting of this account as " written off '' could be misleading or inaccurate, impacting my credit report unfairly. The law requires that all information reported to credit bureaus be accurate and up-to-date.

3. **15 USC 1681b ( Permissible Purposes of Consumer Reports ) ** : The continued reporting of this account as written off, despite its paid and closed status, may constitute misuse of credit information. This misreporting could adversely affect my creditworthiness beyond the permissible scope.

4. **15 USC 1601 ( Truth in Lending Act ) ** : The terms and conditions related to the accounts payoff and write-off should have been clearly communicated and accurately reflected. The discrepancies suggest potential violations in providing clear and truthful information about the loan 's terms. 

Given these violations, I request that all negative information related to this account be removed from my credit reports and that any inaccuracies be corrected immediately.Here is a statement addressing how the account, despite being paid, is impacting your ability to obtain a new vehicle and causing discrimination : -- - Although the account with XXXX XXXX XXXX ( number XXXX ) was paid and closed, the continued reporting of a {$5000.00} written-off balance is significantly hindering my ability to secure a new vehicle. This inaccurate reporting is damaging my credit report, resulting in higher interest rates and loan rejections. 

The negative impact of this account is not only affecting my financial stability but is also contributing to a discriminatory situation. As the primary caregiver for my XXXX son, reliable transportation is essential for his medical appointments and daily needs. The incorrect and damaging information on my credit report is preventing me from obtaining the necessary vehicle, which is crucial for managing his care effectively. 

This situation constitutes a severe hardship and discrimination, as the inaccurate reporting of this paid-off account is unjustly obstructing my ability to provide for my family. I urge immediate action to rectify this issue by removing the negative information from my credit reports and ensuring accurate reporting to prevent further harm.