davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
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. (NJ)

There are still errors on my report and they have not fixed the problem. XXXX is reporting different information on the 3 credit bureau. Please see attached. Close date, last activity date are all incorrect. It is also showing as a charge off on my XXXX. Please fix the problem. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (IL)

On XX/XX/year> I sent XXXX, XXXX, and Experian a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it. I also sent them letters disputing other information and was ignored
Consumer complaint received 2024-05-12
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)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against TransUnion for their failure to investigate a late payment reported on my closed XXXX XXXX account. Despite multiple attempts to dispute this inaccurate information, TransUnion has not taken appropriate action to rectify the situation. I discovered a derogatory mark on my credit report indicating a late payment on my closed XXXX XXXX account. However, upon reviewing my records, I found no evidence of any late payments on this account. 

I promptly contacted TransUnion to dispute the inaccurate information and requested an investigation into the matter. However, despite providing all necessary documentation and following up multiple times, TransUnion has failed to investigate the discrepancy or provide me with updates on the status of the investigation. 

This erroneous reporting has significantly impacted my credit score and financial well-being, affecting my ability to access credit and obtain favorable terms on loans and other financial products. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold TransUnion accountable for their negligence in addressing consumer disputes. I request that TransUnion be required to conduct a thorough investigation into the late payment on my closed XXXX XXXX account and promptly update my credit report with accurate information. 



Thank you for your attention to this matter. I look forward to a prompt resolution and am available to provide any additional information if needed.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (AZ)

It all started on XX/XX/2022. My balance was {$1300.00}. Thus, I made that payment for the same amount. I had a balance transfer that month of {$870.00}. But, I had purchased {$680.00}. I called that month to figure out why I was charged interest on my XXXX statement and it was because I was reminded that I needed to also pay my purchases for the month. I then understood my promotional balance transfer offer to be : my payment would take the first minimum payment and apply it towards my balance transfer, then, the next payment application would go to my previous months purchases. Only then, would my payment apply back to my balance transfer. In XXXX, I reluctantly was only able to pay {$690.00} on my {$860.00} purchases, after removing my {$40.00} minimum payment. I didn't understand why I was charged so much interest. I called and was reminded that I did not completely pay off my XXXX purchases. Thus my 'interest balance by type was {$880.00}. I decided that I would not do another balance transfer until I paid off my purchases thus effectively utilizing the purpose of my balance transfer. Here is where my complaint comes into the scenario : I paid $ {$250.00} on a 'Balance by type : purchases ' of {$170.00}. With my mimimum payment of {$46.00} removed to be applied to my new balance transfer of {$1600.00}. I do not understand why I was charged {$2.00} interest. In XXXX, I paid {$1000.00} thus charged {$1.00} in interest due to that being the minimum interest charge. In XXXX I paid {$310.00} on {$270.00} with a minimum payment of {$43.00}. Doing the math, how am I charged {$2.00} interest when I paid very close to the calculation method. In XXXX, I paid {$550.00} on {$110.00} of purchases and was charged {$0.00} in interest. I thought the minimum interest charge was {$1.00}? Why was I even charged interest at all? I will never do balance transfers again. And thankfully I have put this all behind me financially. I did talk to a representative in XXXX and XXXX but only the XXXX rep was willing to reverse my interest charge.
Consumer complaint received 2023-09-20
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION (MD)

All of my personal and professional items was in vehicle when repossession accrued. I have lost my residence and small business due to this repossession I have purchased from this company before and had no problem other then them not communicating that payment was on time which caused my credit score to stay low hence the outrageous interest rates that only helped the company profit. There has been court proceedings against this company in recent years they are scamming the everyday XXXX this is unacceptable.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

BB & T closed my account and blocked it from receiving new funds. Despite this, BB & T has continued charging maintenance fees XXXX minimum balance XXXX to my account. 
It's impossible to meet the minimum balance to avoid the fees since 1 ) the account is closed and 2 ) BB & T is blocking the account from receiving funds.
Consumer complaint received 2024-05-12
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)

This Accounts was paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of {$0.00} as shown by such filed 1099-C. 

XXXX XXXX acct # XXXX account balance {$91000.00} opened XX/XX/2024
Consumer complaint received 2024-05-12
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. (TN)

Unfair practice with debt collection company I live in the state of Tennessee company is not license or register in the state of Tennessee to collect debt so its a violation of the state of Tennessee so this this this should be removed from my credit immediately paid the penalty Filing with the attorney general because it is hurting my credit holding me back from getting a home loan please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Issue # XXXX : In XX/XX/year>, I called XXXX to inform them I was having difficulty making my credit card payments for Acct ending in # XXXX and Acct ending in # XXXX, due to an unforeseen family crisis. We reached an agreement and on XX/XX/year> I received two Confirmation Repayment Plan letters from XXXX for both accounts which stated a monthly payment of {$110.00} for Acct # XXXX and {$130.00} for Acct # XXXX. I paid the following amounts on time per our agreement : XXXX Ending in XXXX XX/XX/year> {$110.00} Reference Number : XXXX XX/XX/year> {$110.00} Reference Number : XXXX XX/XX/year> {$110.00} Reference Number : XXXXXXXX XXXX  Ending in XXXX XX/XX/year> {$130.00} Reference Number : XXXX XX/XX/year> {$130.00} Reference Number : XXXX XX/XX/year> {$130.00} Reference Number : XXXX XXXX is now telling me that even though they verified via phone I made my payments on time, they have the discretion to fraudulently report to the credit bureaus that my payments were late due to the payment agreement I accepted. I honored my part but they refuse to honor theirs and this has caused me issues on my credit report. 

Issue # XXXX : XXXX does not allow customers to set up RECURRING monthly payments via phone OR online. XXXX 's online UI " Set Up a Recurring Payment '' section first automatically FORCES a customer to make a monthly payment FIRST by enabling the 'Make a Payment ' option and inserting today 's date or another date through the end of the current month with NO way to deselect that option to not make a Payment. Then when you navigate to the 'Set up a Recurring Payment ' Option below, the dropdown only allows you to select " the XXXX of the month, the XXXX of the month, the XXXX of the month etc. vs. a specific date the recurring monthly payments should start on. What this does is allow XXXX to collect DOUBLE payments for the current month, and if you do not want to make a double payment you can not set up a recurring monthly payment. This happened to me with both cards above over the XXXX  of 2023 and I was not able to get groceries for the children for XXXX week because I had not agreed to make a double payment for both cards and when I called XXXX then they said there is nothing they could do. Nearly 1 year later the problem still exists, causing financial distress for their customers. Lastly, if you can't set up recurring monthly payments XXXX will be happy to collect late fees.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I made a complaint with XXXX, Equifax, and XXXX  on XX/XX/2023 about the identity theft complaint regarding my credit report that is affecting my credit. The Information that i reported on XX/XX/2023 was supposed to be blocked and deleted within 4 business days from XXXX has been 10 days and is a violation of the FCRA and i am requesting it be deleted ASAP because it causing me suffering and harm.
Consumer complaint received 2024-07-05
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. (VA)

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 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. Upon reviewing the report recently, I discovered discrepancies that require immediate attention and correction. These inaccuracies with your company not only tarnish my creditworthiness but also affect my financial opportunities and standing. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account XXXX : XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Consumer complaint received 2024-05-12
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)

The attachments that are listed below Are accounts, Inquiries And Addresses That are in accurate & werent given consent to be on my credit report. Im asking that the items be erased completely off of my report for I am a victim of identity theft.
Consumer complaint received 2024-05-12
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)

Recently, I reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. These accounts are not mine, and I have no connection to them. Since they are negatively affecting my credit score and my ability to rebuild it, I kindly request that you remove these fraudulent accounts from my credit report. 

This request is made under the Fair Credit Reporting Act, which protects me from inaccurate or misleading information in my credit report. I would appreciate your prompt attention to this matter and confirmation of the removal of these fraudulent accounts from my credit history. 

I am attaching copies of the necessary documents to verify my identity and support my request. Please let me know the status of this claim as soon as possible
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-12
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. (FL)

I called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report. 

In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.

The inquiries that I wish to remove are located on the attached documents of this complaint.

Also this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

To conclude, In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.
Consumer complaint received 2024-05-12
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. (DE)

I pulled a copy of my most recent credit report and noticed a few inaccurate and unverified accounts. According to the FCRA ( Fair Credit Reporting Act 605b & 609 ) legally, all unverified and unauthorized items must be removed within four days. Please conduct a reasonable investigation to assure maximum possible accuracy of the information concerning my credit report. The following inaccuracies are highly injurious to my report : 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 If the information is found to be inaccurate, incomplete, or unverifiable it must be deleted and permanently blocked from my report. I also demand that you provide actual proof that the information is verified, not a computer-generated confirmation.
Consumer complaint received 2024-05-12
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. (TN)

I do not reconigze this credit inquires in my credit report i have asked them to be removed. I am attachig a FTC complain to support this complain.
Consumer complaint received 2024-05-12
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)

HELLO MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KS)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-12
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 XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Credit Bureau , I am writing to dispute information that is not accurate on my credit report. The items I dispute are also encircled on the attached copy of the report I received. 

The following account ( s ) are reporting inaccurately 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  I request that these items be deleted as soon as possible to reflect maximum accuracy on my credit report.

According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus must thoroughly investigate items in question that I have disputed ( 15 U.S.C. Section 1681i ). The FCRA also states that you must promptly delete any information which can not be verified ( 15 U.S.C. Section 1681i ).

I kindly request a written confirmation from you once the inaccuracies have been rectified and the changes have been reflected on my credit report.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX I have upload proof of address and my social security card.