davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XXXX XXXX XXXX XXXX  ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-07-10
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. (GA)

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told/informed XXXX, Transunion, and XXXX to reinvestigate and or remove these accounts : XXXX, TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 15 U.S.C. 1681s-2 ( A ) ( 1 ) [ 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1601.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following accounts have been listed on my credit report and have violated my rights under 15 U.S.C. 1681 : {$210.00} - XXXX XXXX XXXX {$290.00} - XXXX XXXX XXXX {$500.00} - XXXX XXXX XXXX {$750.00} - XXXX XXXX {$2200.00} - XXXX XXXX XXXX Violation Details : 15 U.S.C. 1681 Section 602 ( a ) : My right to privacy and confidentiality has been breached. 
15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) : 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.
Consumer complaint received 2024-07-11
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. (IN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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: Affirm Holdings, Inc (TX)

Dear CFPB, I am writing to file a complaint against Affirm regarding an inaccurate report of a XXXX late payment for XX/XX/year> on my account number XXXX. This information has been reported to the credit bureaus and is adversely affecting my credit score. 

I have always maintained timely payments on this account, and I believe that the reporting of a XXXX late payment is incorrect. I request that the CFPB intervene in this matter to have the inaccurate late payment removed from my credit report. It is crucial that my credit report accurately reflects my payment history, and this error must be corrected to prevent further damage to my creditworthiness. 

I have attempted to resolve this issue directly with Affirm but have not received a satisfactory response. Therefore, I am requesting your assistance in rectifying this matter and ensuring that the XXXX late payment for XX/XX/year> is reversed and accurately reported as paid on time. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX
Consumer complaint received 2019-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I opened an account with citi bank in XX/XX/2018. After two months, they closed my account without warning and explanation. After one month, they closed my Costo Cards which I have been used for couples years without warning and explanation too. Citi bank refused give me back credit card rewards money which around {$200.00} and also the bank interest. I called the customer service many times and asked them why, the only words they told me is " bank decision ''.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Dear XXXX XXXX Customer Service, I hope this message finds you well. I am writing to address a critical issue regarding my account, XXXX, and to urgently request the removal of an erroneous 30-day late payment status from my credit report. 

On XX/XX/year>, I made a payment of {$560.00} towards my account. Despite my diligent efforts to ensure timely payments, I was recently informed that a 30-day late payment has been recorded on my credit report. This information is not only distressing but also incorrect, as I have consistently met my financial obligations. 
As a responsible and proactive customer, I meticulously monitor my account activity and ensure all payments are made promptly. The erroneous late payment status on my account is not a reflection of my payment history and commitment to maintaining a good standing with XXXX XXXX. 

I strongly believe this error could have resulted from a processing delay or a technical glitch on your end. I kindly request that you conduct a thorough investigation into this matter and rectify the error by removing the 30-day late payment status from my credit report immediately. This negative mark is unjustly affecting my credit score and overall financial health. 

Furthermore, I trust XXXX XXXX values its customers and their financial well-being. In light of this situation, I urge you to take swift and corrective action to prevent any further inconvenience. Attached are the relevant documents, including proof of payment and correspondence records, to assist in your investigation. 
Please confirm receipt of this letter and provide a timeline for the resolution of this issue. I look forward to your prompt response and the removal of the incorrect late payment status. 

Thank you for your immediate attention to this matter. I appreciate your cooperation and understanding. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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. (DC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-11
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-10
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. (CT)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-07-11
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

I am a FEDERALLY PROTECTED CONSUMER WITH FEDERAL PROTECTION RIGHTS. I AM TIRED OF WAITING ON EQUIFAX TO DO WHAT THEY ARE SUPPOSED TO BE DOING PER THE FEDERAL CONSUMER REPORTING ACT THEY ARE DAMAGING MY CONSUMER REPORT. THE FCRA GUARANTEES THAT I AM TO HAVE A SUITABLE TO ME CONSUMER REPORT. 1.On the grounds of 15 USC 1681s2 ( B ), the information I listed should all been deleted after all the prior investigations 2.On the grounds of 15 USC 1666B TIMING OF PAYMENTS ALL LATE PAYMENTS SHOULD OF BEEN ALL REMOVED FROM EACH ACCOUNT I LIST BELOW. 3. UNDER 15 USC 1681C-2 BLOCK OF INFORMATION these accounts I listed should of all been deleted and not reporting on consumer report. 4.Under FTC GRAMM LEECH BLILEY ACT these unauthorized inquires I listed below should all be deleted 5. This address where I DO NOT RESIDE AT should be deleted. REMOVE OLD ADDRESS XXXX XXXX XXXX XXXX XXXX AZ XXXX. REMOVE THE FRAUD VICTIM ALERT. I DO NOT WANT IT REPORTING ON MY CONSUMER REPORT. REMOVE ALL LATE PAYMENTS SHOWING IN ACCOUNTS XXXX XXXX XXXX XXXX XXXX ACCT # XXXX IS REPORTING. REMOVE ALL LATE PAYMENTS. XXXX XXXX ACCT # XXXX IS REPORTING REMOVE LATE PAYMENTS. XXXX XXXX ACCT # XXXX IS REPORTING LATE PAYMENT, REMOVE THESE INQUIRIES I DID NOT AUTHORIZE XXXX XXXX XXXX XX/XX/21 DUPLICATE, XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXXXX/XX/21. I have disputed these issues ( 3 ) times prior and have CFPB DISPUTES AS PROOF and every time it all came back " verified " but I NOT ONCE received METHOD OF VERIFICATION DETAILS REQUIRED BY THE FCRA needed to be continuing to report on my consumer report. Under the FCRA LAWS I LISTED THESE ARE ALL GROUNDS FOR DELETION FROM MY CONSUMER REPORT. BECAUSE EQUIFAX WILL NOT COMPLY TO THESE FCRA LAWS. I NEED THE CFPB TO STEP IN POLICE, AND ENFORCE, SUPERVISE AND HOLD EQUIFAX ACCOUNTABLE. THEY DO NOT COMPLY TO THESE FCRA LAWS 15 USC 1681s2 ( B ) ,15 USC 1681C -2,15 USC 1666B. EQUIFAX DOES NOT COMPLY WITH GRAMM-LEECH-BLILEY ACT.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Subject : Request for Removal of 30-Day Late Payment from Credit Report Dear XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally dispute the 30-day late payment status that has been reported to the credit bureaus and is currently appearing on my credit report. The details of the account are as follows : Account Holder : XXXX XXXX Number : XXXX Paid in Full / Account Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting that XXXX XXXX XXXX remove this negative mark from my credit report for the following reasons : 1. Good Payment History : I have been a loyal and responsible customer of XXXX XXXX XXXX, maintaining a good payment history with timely payments over the duration of my account. This isolated incident does not accurately reflect my overall payment behavior. 
2. Unforeseen Circumstances : The late payment in question was due to unforeseen circumstances beyond my control. I am an XXXX XXXX member and was on official travel when the late payment occurred. I have since taken corrective measures to ensure such a delay does not occur again. 
3. Consumer Goodwill : As a gesture of goodwill, I kindly request your understanding and assistance in removing this late payment from my credit report. The negative remark is adversely affecting my credit score and financial stability, despite my overall positive payment history with your institution.

4. Potential Reporting Error : There may have been an error in reporting this late payment to the credit bureaus. I request that you review your records and verify the accuracy of this information.

I also request a written confirmation from your company stating that the late payment has been removed from my credit report once the correction has been made. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the resolution of this issue. Should you require any additional information, please do not hesitate to contact me at XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-10
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. (MD)

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 2024-07-10
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)

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 Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-03-13
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (UT)

XXXX XXXX XXXX is not applying my payments to escrow properly and this is adversely affecting my credit. 

No response from the company via email or phone. 

If you do get through the automated phone prompts a representative will just place you on an eternal hold. 

No real regulatory oversite either as CFBP does not follow up on claims to assist with a peaceful resolution.
Consumer complaint received 2024-07-11
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. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In XX/XX/XXXX my mother passed away and in the process of finalizing all of the documents and closing out all of her paperwork after her death I sent in the notifications/death certificate to all three of the credit bureau 's, XXXX, Transunion, XXXX. 

Of the three credit bureau 's XXXX and XXXX properly changed my mothers status and I have had no issue 's at all with the two companies. 

Transunion on the other hand listed me as deceased. 
I have been trying to for the past 2 years XX/XX/XXXX to have them correct this slight problem. 
Apparently I have been deceased for almost 11 years according to Transunion. 

I thought that I was reinstated to being alive 2 years ago when this first came up. 

Apparently I can still pay taxes and go to work and earn a paycheck
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-07-10
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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/year> I disputed XXXX with TransUnion and they are just completing the investigation XX/XX/year> which is in violation of my rights and illegal