davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear XXXX  XXXX Dispute Department, I am writing to formally dispute the late payment status reported on my Flexible Spending Credit Card account, as detailed below : Account Type : Flexible Spending Credit Card Responsibility : Individual Age of Account : XXXX  Years, XXXX  Months Credit Limit : {$500.00} Credit Used : XXXX  % Available Credit : {$48.00} Highest Balance : {$510.00} Payment Status : XXXX  Days Late Amount Past Due : {$68.00} Date Reported : XX/XX/year> Date of Last Payment : XXXX XXXX XXXX Monthly Payment : {$52.00} On Time Payments : XXXX  % I wish to dispute the late payment status due to severe circumstances that significantly hindered my ability to manage my XXXX  XXXX account promptly. On [ Date of Incident ], I experienced the unfortunate loss of both my credit card and mobile phone at the XXXX airport. This loss resulted in my being locked out of my XXXX XXXX online portal and unable to access or manage my account. 

Moreover, due to the reported loss/theft of my wallet and phone, I was compelled to cancel my previous billing information associated with auto-pay settings. This further complicated my ability to make timely payments through automated means. 

Despite these challenges, I maintained communication with XXXX XXXX while abroad. However, upon returning to my residence at XXXX XXXX XXXX, I discovered that all my mail and packages had been compromised. Notably, my neighbor, who collaborates with the homicide division across XXXX XXXX, did not capture any clear footage of the entry points to my home. 

As a result of these extraordinary circumstances, I faced considerable difficulty in regaining access to my account, managing my payments, and securing my personal information. Nevertheless, I was able to make a payment of {$52.00} on XX/XX/year>, which was within the expected timeframe. This payment reflects my commitment to maintaining a positive payment history with XXXX XXXX, as evidenced by the 67 % on-time payment rate. 

Therefore, I respectfully request that XXXX XXXX conduct a thorough review of this matter and reconsider the reported XXXX late payment status on my credit report to accurately reflect the extenuating circumstances I faced during this period. I appreciate your understanding and prompt attention to this dispute. 

Please provide written confirmation of the investigation 's findings and any corrective actions taken to rectify this issue. Should you require any further information or documentation to facilitate this process, please do not hesitate to contact me at the above-mentioned phone number or email address. 

Thank you for your assistance in resolving this matter expediently.
Consumer complaint received 2024-07-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Identity Theft CAPITAL ONE AUTO FINANCE This account reporting on my credit report, is a result of identity theft. I have no recollection of authorizing an auto loan under my name. I do not have a vehicle with this lender or one at all for that matter. I would greatly appreciate if you thoroughly investigate this matter and abide by the fair credit reporting act and consumer law. 
I have filed an FTC report with the federal trade commission on XX/XX/2024 and mailed in dispute letters verifying my real identity. I requested proof of ownership of debt, and i have not received such results yet.
Consumer complaint received 2024-06-11
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: EQUIFAX, INC. (IN)

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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

In 2022, I followed the procedure outlined on the Federal Trade Commission website to stop prescreened credit and insurance offers. However, I recently received a mailed solicitation for the XXXX XXXX American Express XXXX. American Express is the company that will not stop mailing me solicitations. It was the annoying amount of mail from American Express that drove me to stop prescreened offers to begin with. At some point, a company that will not stop sending offers, whether direct or via XXXX, is harassing the consumer. The piece of recent mail that I received appears to be from XXXX XXXX. When I visited their website, there is no way to stop mail. When I contacted their customer service, they could not understand the difference between physical mail and email, and they could not explain how to stop mail. ( 1 ) I think American Express is using XXXX XXXX as a guise to get around the consumer 's wish to stop prescreened offers, and ( 2 ) I think XXXX XXXX and is playing games to confuse their customers by not making it clear how to stop mail. It should not be this difficult to stop mail from any company. I do not want my personal information floating around in the mail. I have been the victim of identity theft, and I believe that it's pieces of mail like this that will continue to put me at risk. I'm putting in a complaint about both of these companies because I think that consumers should complain when companies take advantage of technicalities at the consumers expense.
Consumer complaint received 2024-06-18
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. (GA)

I am writing to formally complain about an unauthorized credit inquiry conducted by XXXX XXXX XXXX on XX/XX/year>, during my recent interaction with XXXX. 

Despite not providing explicit consent for a credit inquiry beyond the terms of my agreement or prequalification offer, XXXX XXXX XXXX proceeded with an inquiry. 

To address this issue, I request the following actions : Verification of Authorization : Please conduct an investigation and provide documentation demonstrating my authorization for the credit inquiry conducted on my behalf. This should include any signed agreements or consent forms related to the inquiry. 

Removal of Unauthorized Inquiry : If it is confirmed that the inquiry was unauthorized, I request the immediate removal of this inquiry from all major credit reporting agencies ( XXXX, XXXX, TransUnion ). 

Enforcement of Consumer Protections : Ensure that XXXX XXXX XXXX complies with consumer protection laws regarding credit inquiries. Require them to implement robust procedures and training to prevent unauthorized credit inquiries in the future. 

Restitution : As compensation for the inconvenience caused by this unauthorized inquiry, I request consideration for restitution, such as reimbursement for any associated fees or a suitable resolution that addresses the impact on my credit profile. 

I appreciate your prompt attention to this matter and request regular updates on the progress of your investigation and resolution of this complaint. Please contact me at the above-mentioned phone number or email address if you require any further information. 

Thank you for your assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-18
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. (MO)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and the credit reporting agencies for inaccuracies and discrepancies on my credit report that violate the Fair Credit Reporting Act ( FCRA ). 

Issue : My credit report has been improperly updated to reflect multiple instances of the same XXXX XXXX account, resulting in the display of triplicate accounts. Although XXXX of these duplicate entries have been deleted, one remains, which continues to inaccurately affect my credit report. Additionally, the account in question has been removed and reinserted without any fair warning or a Method of Verification ( MOV ) as requested and as mandated by the FCRA. 

Details : Multiple Entries : Initially, the XXXX XXXX account was being reported XXXX times on my credit report, each as a separate account. This was a clear error and misrepresentation of my actual credit history. 

Identical Balances : All three entries had the same account balance, indicating they were duplicates. 

Remaining Discrepancy : Despite the removal of XXXX of the duplicate entries, XXXX erroneous entry remains. Given the initial discrepancies, all three entries should have been removed to ensure complete accuracy. 

Reinsertion Without Notification : The account in question has been removed and reinserted into my credit report without providing me any fair warning or Method of Verification as requested. This action is in direct violation of the FCRA requirements. 

Violation of FCRA : According to the FCRA, credit reporting agencies and furnishers of information are required to ensure that the information reported is accurate and complete. The persistence of XXXX duplicate account for the same debt, the inconsistencies in the reported information, and the reinsertions without proper notification are direct violations of these requirements.
Consumer complaint received 2024-05-30
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)

This what it says We have encountered an internal server error. Please note that your order has been canceled. Sorry about the inconvenience. Still not allow to enroll before all this i had account for 2yr yall the one that block the my acccount yall need to fix I submit Doc for verification Do I need to get Lawyer because yall stoping me for looking at information by law Thank you!!!! Escalation Issue XXXX Dear XXXX, Thank you for contacting us.? We apologize for the delayed response. 

?? 

Please re-enroll into the membership of your choosing at? www.experian.com.? Please use a " different username ''.? Please make sure you use a completely different username than one you used before to try to create an account. Your email address will automatically populate in the username space, so if you use the same email address, be sure you change the username during the enrollment process.? 

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Make sure you complete all sections of the enrollment.? Please attempt to submit the new enrollment request ensuring that all of your personal information is inputted accurately and that you answer the verification questions to the best of your ability. 

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The following steps are also suggested to ensure that you have optimum access to your membership :? 

Please clear out your temporary files/cookies/browsing history. 

You may consider using a different browser to access the membership. XXXX XXXX or XXXX XXXX are the most compatible browsers for our websites, in terms of logging in and viewing the information we have provided to you. XXXX XXXX XXXX XXXX may also work. You may also try XXXX XXXX go to tools and choose " new incognito window '' or " in private browsing '' to enroll or login. 

When you attempt to enroll or log in again, ensure youve completely closed your internet browser from any previous use, so that youve entirely closed out any previous sessions. This will reset any potentially open sessions. 


If these steps have not resolved your issue, please contact the Experian Disputes Center at ( XXXX ) XXXX at your earliest convenience to request a hard copy of your report to confirm and correct any missing or incorrect information. Information entered into the system upon enrollment should match the information with the credit report. Please have Experian Disputes Center check your report for variations in your social security number, your name and that you do not have a mixed file or variation in a pin number.? 

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If you need any further assistance, please email us? at? XXXX.? When you respond, please include your ticket XXXX XXXX? in the subject line. 

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We apologize for any inconvenience. 

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Thank you for choosing? Experian.com.??? 

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Sincerely,? 

XXXX XXXXCustomer Care Team
Consumer complaint received 2024-06-19
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)

XXXX XXXX Report negatively and incorrectly on my XXXX and trusting credit report.However, on my XXXX report it shows accurate information. For example XXXX shows XXXX XXXX  left to pay, inn good standard, and 95 % payments on time. But on my trans union it negatively shows payed off XXXX XXXX XXXX XXXX payments on time supposed to show XXXX XXXX payments on time.Also indicates says 120-149 days late. As on the XXXX says on time XXXX XXXX I have contacted XXXX XXXX  and trans union in regards to this inaccurate manner on multiple occasions, in regards of this inaccurate reporting information on my trans union. However, this information has not been changed or updated since XX/XX/year>.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section XXXX ( XXXX XXXX. XXXX ) and the shocking absence of XXXX XXXX compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and XXXX XXXX data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. 



In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the 2020 XXXX XXXX XXXX XXXX ( XXXX ) standards jeopardizes the integrity of dataa matter of grave concern. 



Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with XXXX XXXX standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and XXXX XXXX standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that XXXX comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete XXXX XXXX Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX ) and the Department of Education regarding an ongoing issue with the reporting of my student loans to the major credit bureaus : XXXX, Equifax, and XXXX. Despite XXXXDept of Ed no longer servicing my student loans, they continue to report inaccurate information, which is negatively affecting my credit. 

1. Loan Status : My student loans were transferred from XXXXDept of Ed to a different loan servicer. However, XXXXDept of Ed has consistently reported these loans as active and delinquent on my credit reports, even after the transfer. 
2. Inaccurate Information : The incorrect reporting has resulted in a significant drop in my credit score, making it difficult for me to secure credit, obtain reasonable interest rates, or even rent an apartment. 

3.Communication with XXXX/Dept of Ed : I have made numerous attempts to contact XXXX and the Department of Education to resolve this issue. Despite my efforts, the inaccurate reporting continues.

4.Impact on My Financial Well-being : The inaccurate reporting by XXXXDept of Ed has had a direct and negative impact on my financial well-being. It has caused me undue stress, limited my financial opportunities, and has affected my ability to access essential services. 
5. My current loan servicer is correctly reporting my loan debt but because of XXXXDEPT OF ED reckless reporting to all of the above mentioned agencies the amount of debt on my consumer report is doubled ( which includes current debt in addtion to the debt that XXXX/DEPT OF ED is reporting . 

I request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to rectify the inaccurate reporting of my student loans by XXXX/Dept of Ed . 

According to the law : 1. As stated by : 15 USC 1681 Congressional Findings and Statement of Purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING 2. As stated by : 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

How are they following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? 



I appreciate your prompt attention to this matter and request that you keep me informed of any progress regarding my complaint. I understand that the CFPB is committed to ensuring fair and transparent financial practices, and I am confident that you will take appropriate action to resolve this issue. 

Thank you for your assistance in resolving this matter and for your commitment to protecting consumers ' rights. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-23
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: Experian Information Solutions Inc. (IL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2024-06-18
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)

In accordance with the fair credit Reporting Act XXXX  Account # 's XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) _ 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 a account without my written instructions.

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 and purpose.

Also The Heros Act ( Section 110401 )