davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX was never late! I have had exceptional payment history with 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 XX/XX/year> to XX/XX/year> 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 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 2023-04-14
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. (OK)

It is our contention the big 3 credit reporting agencies EXPERIAN, XXXX and XXXX are knowingly or unknowingly complicit in credit defamation against me by publishing inaccurate / invalid information on my credit report. EXPERIAN especially has been instrumental by consistently publishing inaccurate / invalid information on my credit report provided by XXXX XXXX XXXX XXXX ( XXXX ) since we closed both accounts XX/XX/XXXX. Moreover we included XXXX accounts in bankruptcy, of which XXXX did not file a claim. As such we contend that since XX/XX/XXXX each credit reporting agency EXP, XXXX XXXX XXXX have defamed our name reporting invalid /inaccurate data for which they can not prove in a court of law as factual or true. These agencies " merely " " verify '' accounts through the furnisher. Under the law, EXP, XXXX and XXXX are required to " validate '' the accounts furnished by TFCU or delete them from my credit report. 

I have reached out to each credit reporter over the last several months, EXPERIAN claims the accounts are true, which we find hard to fathom as fact, given the fact that the furnisher XXXX has yet to provide us true/ accurate / court admissible evidence per the FDCPA some 6 months after our written request made to XXXX XX/XX/XXXX. ( attached ) As such we contend these credit reporters are in violation of the FCRA.
Consumer complaint received 2024-04-29
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. (DE)

please delete the following accounts and inquiries XXXX XXXX XXXX XXXX, XXXX {$3500.00} XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX 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
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (VA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-21
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. (MA)

Dear CFPB, I am writing to formally report an issue I am experiencing with XXXX 's credit card and their reporting system to the credit bureaus, which has resulted in a significant and unexplained drop in my credit score. 
Details of the Issue : 1. Credit Score Impact : On [ insert date ], I received a notice from the credit bureau that my credit score had dropped by XXXX points overnight without any prior warning or notice. This sudden drop is highly irregular and concerning. I have never received a statement or a bill for this account and that is why it has not been paid in a timely fashion. 
2. Account Confusion : XXXX 's informed me that I had opened the account in XX/XX/year>. However, I distinctly remember opening an XXXX XXXX XXXX in XX/XX/year>, not a XXXXXXXX XXXX card. I understand that XXXX XXXX does not have a card bearing XXXXXXXX XXXX name. It seems XXXXXXXX XXXX may be converting some accounts from XXXX XXXX to XXXXXXXX XXXX without consumer consent or approval. This is deceptive and potentially illegal. 
3. Penalty Charges : XXXX 's charged me over 50 % of the due amount, labeling it delinquent for being over 30 days late. This penalty is excessively high and unfair, especially since I did not receive any bill, notice, or warning. 
Request for Resolution : I have always paid my dues on time and maintained an excellent credit score ( over XXXX across all three credit bureaus ). XXXXXXXX XXXX actions have unjustly impacted my credit standing. I respectfully request the CFPB to : 1. Investigate XXXX XXXX credit reporting practices, especially concerning the sudden and unexplained drop in my credit score. 
2. Ensure that my credit score is restored to its previous excellent status. 
3. Address the unfair penalty charges imposed by XXXX XXXX for the alleged late payment. 
This situation has caused me significant distress, and I hope for a fair and just resolution. I appreciate your assistance in this matter. Thank you for your attention to this serious issue. Please contact me if you require any additional information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My accounts 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 to be removed/updated.

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently pulled a copy of my credit report and noticed fraudulent inquiries and personal information that were incorrect. I DID NOT originate nor authorize these inquiries on my credit report. Please DELETE the following inquiries as this is a clear case of identity theft/alleged identity theft outlined in XXXX XXXX XXXX and must be DELETED within XXXX business days of receipt of this letter. Also, pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX b ) please update my personal information immediately as well. Please see attached copy of my identity theft report.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-01
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. (CT)

please investigate. please update late payment on this account to paid on time or paid as agreed. please see attached. 15 usc 1666b- timing of payments 15 usc 1681g -, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this account listed above that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of this disputed account then please update late payment or paid as agreed. immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). please UPDATE ALL LATE PAYMENTS ON THIS ACCOUNT TO PAID ON TIME... i did not give permissible purpose/ did not given written instructions to furnish this on my consumer report. 1681b ( a ) ( 2 )
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance : {$86.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$690.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : ACCOUNT NUMBER -- - XXXX ( XX/XX/XXXX- XXXX XXXX ) AND # XXXX ( XX/XX/XXXX- XXXX XXXX ) It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have XXXX  days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 


Regards, XXXX XXXX XXXX : CFPB FTC XXXX Attorney General
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to the FAIR CREDIT REPORT ACT if I request that information that hinders or damage my credibility not be reported on my account, then it should not be reported on my account. Trans Union, XXXX, and XXXX is continuing to report my personal private negative information like late payments, Closed accounts and Hard inquiries to the public domain. These three things are damaging me terribly.
Consumer complaint received 2024-05-22
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. (MI)

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Consumer complaint received 2024-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

MY information is XXXX XXXX XXXX. That is the Only name that should be on my credit report. 
All of the other names are incorrect information The date is XX/XX/year> & also XX/XX/year> The XXXX XXXXXXXX company and Bank of America gave someone hard inquiries that are in my file. My sister opened an account that is similar to my name and now all her information is going to my account. I would like for these to be removed
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 602 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. 6802, I did not receive the required opt-out notice at the time I created the account that is being reported. 

Account Name : XXXX XXXX XXXX XXXX Account # Last 4 Digits : XXXX Account Name : First Progress Account # Last 4 Digits : XXXX Account Name : XXXX XXXX  Account # Last 4 Digits : XXXX Account Name : XXXX XXXX  Account # Last 4 Digits : XXXX Account Name : XXXX XXXX XXXX  XXXX Account # Last 4 Digits : XXXX Account Name : XXXX XXXX  Delaware Account # Last 4 Digits : XXXX Account Name : XXXX XXXX XXXX XXXX Account # Last 4 Digits : XXXX Account Name : XXXX XXXX XXXX Account # Last 4 Digits : No Account Number Provided Account Name : Collection - XXXX  Account # Last 2 Digits : XXXX Account Name : US Bankruptcy XXXX XXXX XXXX MI Account # : XXXX Account Name : Collection - Account Adjustment Bureau Account # No Account number listed
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (ME)

My credit score has inexplicably taken a XXXX point dive. I have made inquiries at all three credit reporting agencies, and every possible credit score reporting agency : no one can explain why my score is being reported as having lost XXXX points. I do not have any accounts that are delinquent, my credit usage is at 17 %, I have $ XXXX available credit, I have not taken out any loans, the age of my credit report is average, there is literally NOTHING that has occurred in my financial life that should be causing my score to be reported like this. I received a fraud alert saying that my email address was compromised and that various personal information was appearing on the dark web, but I do not have access to the dark web to see what may be going on, and the alert is vague. Can someone please help me figure out what is going on here? There is not anything appearing on any of my credit reports that I can dispute to correct this issue, there have been no major changes to my credit reports that would have caused this XXXX point crash. The only reason a credit score would take such a steep dive, I have been advised by various credit services, is if someone filed for bankruptcy. I have not done this. Please help. I am a single parent who has worked SO hard to improve my credit score over the last 10 years so I can qualify for a mortgage and buy a house for my kid.
Consumer complaint received 2024-06-21
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. (CA)

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. Furthermore, I would like to bring to your attention that other credit bureaus have already updated these accounts on their records. 

XXXX XXXX XXXX, XXXX XXXX XXXX