davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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)

Im trying to clean up my credit from identity, theft, and inaccuracies and illegal use of my credit report, name. and other issues. Now I have to worry about a data breach from Experian! What is going on! I need my credit report finished as soon as possible with all the inaccuracies removed and late payments updated to paid in full never late. Hard and soft inquiries removed off my credit report because I didnt do them. The only address should be there is the address that I provided. The only phone number should be there is the phone number I provided. You guys are violating my rights. You guys are destroying my life! There should be no open accounts on my credit report. Remove them please.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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

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

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

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

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


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


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

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

Delete the late payments from my consumer reports
Consumer complaint received 2023-05-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Experian continues to violate my federal consumer / civil rights. 

I have written multiple letters to Experian about errors on my reports and they ignored all of them past the 30 day federal requirement. 

Recently Experian has ignored my request for arbitration. Experian continues to report inaccurate information on accounts by federal law they are required to delete from my credit report. 

I have spoken to civil and federal judges in my state of Texas and to multiple consumer attorneys who are wanting to take up a case against Experian. 

The attached USPS receipt will PROVE I sent the arbitration request and an online search at USPS will show XXXX RECEIVED the letter. Dated XX/XX/23! 

I followed Experian 's ONLINE guide for Arbitration request.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have asked all 3 credit bureaus to investigate account XXXXXXXX XXXX XXXX XXXX XXXX XXXX because I noticed multiple inaccuracies on the account also the account was paid in full XXXX XXXX. They all responded and said there was no changes needed. I asked for a re-investigation because the inaccuracies were still on the account. The disputes were completed with no change. I then created a 3rd dispute with factual information on the inaccuracies found on this account, which will be provided in the photos. The payment history of this account has been getting updated every month even though it is charged off. The information is inaccurate, the charge offs are still on this account starting from XX/XX/XXXX up until XX/XX/XXXX, which is unfair and hindering me from obtaining credit. An account can only be charged off 1 time and should not be reported every month from then. This is an update in payment history, a charged off account should not include an active payment history. This restarts the statue of limitations of the account and violates my rights. I asked for an investigation of this account and the credit bureaus have failed to correctly
Consumer complaint received 2024-05-09
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. (IN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have asked all XXXX credit bureaus to investigate account XXXX XXXX  XXXX because I noticed multiple inaccuracies on the account. They all responded and said there was no changes needed. I asked for a re-investigation, where XXXX deleted the account due to the inaccuracies but transunion and XXXX have both just updated the accounts. I then created another dispute with factual information on the inaccuracies found on this account, which will be provided in the photos. Transunion and XXXX simply updated the account, by changing the payment history to not showing the charge offs. The information is still inaccurate when pulling my credit report, the charge offs are still on this account starting from XX/XX/XXXX up until XX/XX/XXXX, which is unfair and hindering me from obtaining credit. An account can only be charged off XXXX time and should not be reported every month from then. This is an update in payment history, a charged off account should not include an active payment history. This restarts the statue of limitations of the account and violates my rights. I asked for an investigation of this account and the credit bureaus have failed to correctly investigate. I am demanding an immediate deletion of this account.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-02-05
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: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am XXXX XXXX, and Im 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, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-09
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. (WI)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights XXXX 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other 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 the information is inaccurate.
Consumer complaint received 2024-05-09
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. (CA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-09
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. (VA)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2023-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (NC)

At 120 days late with Netcredit, Netcredit was aware I could not pay. Netcredit then conducted financial abuse to me by letting XXXX percent interest to balloon out for a long period in order to take a large tax credit at a percentage not allowed by the usury limit of the state of Florida, which set to prevent predatorial lenders. Netcredit knew I couldn't pay and used that to financially abuse me.
Consumer complaint received 2024-05-09
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. (IL)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX and distress they are causing me.
Consumer complaint received 2024-05-09
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (PA)

On XXXX XXXX XXXX I made 28 transactions with " Square '' totaling {$900.00}. I have been using this companies service for several years and have never had an issue with them transferring the funds to my bank account until now. 
Every year in XXXX I use the same account with my same name, same bank account, nothing has changed except for the service I'm receiving from Square. Now I have reverified my ID with them as they initially requested and they are requesting more information like invoices containing my customers phone numbers, emails and billing addresses as well as 3 months of my bank statements. I use Square card reader in person and have never asked a customer for any of this excessive information.

Every year that I have used their service I transfer that money to my XXXX  mother for her XXXX expenses. They have told me that if I'm unable to provide this information that they will hold the funds for 3 months and then make the transfer. I don't believe this at all.

I would recommend to anyone at all to never use Square.
Consumer complaint received 2024-05-09
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. (PR)

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 2024-05-09
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. (PA)

I understand that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2024-07-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The Winn Brown Law Firm, LLC (MS)

Got a garnishment from job. The paperwork had date of XXXX XXXX, XXXX. The lawsuit was help in XXXX XXXX ( XXXX ) and I'm in Mississippi. I never gotten any papers served for court. I did filed bankruptcy but it was dissed on XX/XX/XXXX.
Consumer complaint received 2024-05-09
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)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I recieved a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. After checking my most current report on XXXX and Transunion the updated information stated this account was still being reported. The account can not be reported as a charge off on my credit report. PLEASE CEASE THE REPORTING AND DELETE THIS ACCOUNT ..... 
XXXX ACCT # XXXX I ATTACHED 1099C, CREDIT REPORTING FROM XXXX AND TRANSUNION
Consumer complaint received 2024-05-09
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. (GA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The Federal Loan service provider XXXX has not reported accurate information on my credit profile regarding my student loans, and has impacted my ability to secure housing. I am currently homeless due to XXXX 's negligence in reporting fair, timely, and accurate information according to the FCRA. 

As of XX/XX/2023, my student loan balance has been paid in full in the amount of XXXX, XXXX. XXXX is no longer a servicer of this account and therefore should delete this account from my credit profile. XXXX has failed to report updated account information in which my account appears to be delinquent.
Consumer complaint received 2024-05-09
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. (MA)

Below are the inquiries and dates of accounts that are unauthorized. please remove the following hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not connected to an open or closed account on MY personal credit score. Please remove these unauthorized inquiries from my report. Please do not add a credit alert to my report!
Consumer complaint received 2024-05-09
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. (VA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-02-22
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MD)

I have been an account holder with TD Bank/Target card services for almost 2 years. They offer the ability to pay the bill in store, which I did. I made my payment on XX/XX/24 in the store so that my payment would post within the billing cycle and so that I could receive the credit and not be reported as 30 days late. However, to my dismay my credit card was reported as 30 days late and reported to the credit bureau. Although, I see that the payment posted on XX/XX/24, and that the charge card re-aged the account to the XXXX with a {$.00} credit. I would like for Target to make the appropriate correction and report accurate information.