davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Dear credit reporting agency Thank you for your response regarding my dispute. While I understand that you are still working on my request, I would like to bring to your attention a specific provision in the consumer credit law that outlines the time frame for responding to disputes and the potential removal of negative marks. 

According to the Fair Credit Reporting Act ( FCRA ), specifically section 611 [ 1681i ], when a consumer files a dispute with a consumer reporting agency, the agency is required to conduct a reasonable reinvestigation within 30 days of receiving the dispute [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). However, there are certain circumstances where the agency must respond within a shorter timeframe. 

In the case of an expedited dispute resolution, if a dispute is resolved by the deletion of the disputed information within XXXX business days of receiving notice of the dispute, the agency is not required to comply with the regular XXXX reinvestigation process [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This expedited resolution allows for a more efficient removal of inaccurate or incomplete information. 

Additionally, there is a provision in the FCRA that requires the consumer reporting agency to provide prompt notice of the deletion of disputed information to the consumer, either by telephone or in writing, not later than XXXX business days after making the deletion [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This ensures that consumers are informed of the outcome of their dispute in a timely manner. 

Therefore, I kindly request that you adhere to the time frames outlined in the law and promptly complete the reinvestigation of my dispute within the required time frame. Should the disputed information be found to be inaccurate or incomplete, I expect the appropriate deletion to be made and a consumer report based on the corrected information to be provided to me within XXXX business days. 

Thank you for your attention to this matter. I look forward to a swift resolution in this matter. 

[ [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : FCRA Section XXXX11 [ 1681i ] [ [ 2 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : FCRA Section 611 [ 1681i ] [ [ 3 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ) : FCRA Section 611 [ 1681i ]
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, this reflects deficiencies under 15 USC 1681, section 604. This section states that I have the right to privacy ( 15 USC 1681, section 604 ( a ) ( 2 ) ). It also states that 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 for any purpose.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2024-07-23
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

I make a purchase at XXXX XXXX company every month using their store credit card through XXXX XXXX XXXX so I set up auto pay to pay off my balance every month, but for some reasons the bank charged me 29.99 % interest charge snd {$29.00} late fee because they said I did not make a minimum balance. With all the fees and interest charges added up to {$3800.00} that even my auto pay of {$94.00} every month still didnt pay the minimum balance. They didnt send me monthly statements that I had no idea I owed that much until my credit card was declined so I called the credit card company on XX/XX/2024 and they removed one late fee of {$29.00} and one finance charges of {$63.00}. 
Theyre not trying to help me even though I asked to speak to the manager of XXXX XXXX XXXX . 
Thank you very much!
Consumer complaint received 2024-07-22
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. (MD)

unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (CA)

My mortgage was sold by XXXX to Flagstar bank and I was unaware. I noticed the monthly payment 's of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were withdrawn from my account automatically as i had set up previously, however the automatic payment was then stopped by Flagstar. I did not know they had been stopped until I was XXXX  days late. I have now updated the mailing and autopay directly through Flagstar to avoid this happening again. They refused to help me and claimed it wasn't even possible and needed to go directly through the credit report companies.
Consumer complaint received 2023-04-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (AL)

Received collection letter from Online Information Services XX/XX/ for a " debt '' they bought or acquired that is a COMPLETE SCAM! I knew I owed no such bill, and required them to send me their documentation of an original creditor. They sent some ridiculous fake documentation of a " provider '' I have never used, and have never even heard of. They dropped this fake debt on my credit report also, which is now in dispute. I had already been in communication with Online Services, and implored them to do due diligence and research this false matter. I can not believe collection agencies can just report false information to credit bureaus, and it immediately drops your credit rating.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

" 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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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. (GA)

unfortunately, I am a victim of XXXX XXXX of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (VA)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

I have 2 Credit card Accounts with Citi Card and I have never missed a payment with them and the majority of the time I make more than the minimum payment. I also have several other credit cards as well with fairly high limits. I recently have made some rather large purchases with the intent of paying them off rather quickly in the next few months. I get an email from CitiCards for both of my Citi cards that they are decreasing my credit limit due to me making some large purchases on my other credit cards and my fico score decreasing. I called Citi Card and explained to them that I had made some bigger purchases than normal and that they would be paid off within the next 90 days and asked them to reinstate my previous credit limit and they refused. I even offered to provide proof of the resources that I have to pay off my total credit card debt. Since they based their decision based upon my XXXX report they could clearly see that I have never made a late payment on any of my accounts and that I have several accounts that have " XXXX '' balance. They still refused to reinstate my previous limit. This is going to have a very negative affect on my fico score, which is the very thing they are saying is their concern, it dropped to XXXX. With there decrease it will drop more. This is not right for a customer that has been operating good faith, never had any late payments nor derogatory remarks on their credit report to just indiscriminately make these changes. This will have a very negative effect on my credit score and interest rates for any future loans or credit should I decide to apply for another car loan or any type of retail purchase. Is it age discrimination due to the fact I am XXXX and they are afraid I am going to not live long enough according to their actuary charts. The only thing they would say was that their credit review shows that I have made some large purchases recently and based on their figures I am a bigger risk. But wouldn't expand on how they based this decision. I have the ability to pay off all of my credit card debt and can and will provide proof if needed.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Hello, When I recently looked at my PERSONAL CREDIT REPORT it shows a BUSINESS CREDIT card on it, It also shows 60 Days past Due. I did not authorize the creditor to put any BUSINESS CREDIT card on my PERSONAL CREDIT REPORT, I was never late on any BUSINESS CREDIT CARDS as well. THE CARD and the late payments needs to be removed IMMEDIATELY The account is XXXX XXXX SERVICES
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orion Capital Solutions LLC (FL)

ORION CAPITAL SOLUTIONS IS ATTEMPTING TO COLLECT A DEBT THAT IS NOT MINE. I HAVE RECIEVED NUMEROUS HARRASING PHONE CALLS FROM THIS COMPANY WHO DEMANDS I TELL THEM WHO I AM WHEN THEY CALLED ME AND REFUSES TO PROVIDE VALIDATION OF DEBT OR CEASE AMD DECIST AND AMOUNT ALEGADLY OWED WITHOUT VERICATION OF DEBT
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

My account with XXXX XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX, 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 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 accounts 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 XXXX XXXX XXXX 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 2023-09-20
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-09-20
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. (AL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

The entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature. Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by XXXX XXXX XXXX XXXX. Therefore, in accordance with Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter.
Consumer complaint received 2024-08-19
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. (FL)

I recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. and due to that i cant not get a car to go to work or even rent a good place for me to stay and thats really hurting my ability to help my family or myself. Like right now if it wasn't for my girlfriend i would probably be sleeping outside. and I had reach out multiple times just to get sent around. Please help me take these information out of my report as I can't even keep a job cause no transportation. and I do have a Policy report from when I lost my documents the case number is XXXX from XXXX XXXX police department and also if you need to Contact me please Contact me via email XXXX XXXX as I don't have a physical address right now due to all this. I put a picture of my XXXX XXXX and my tax return from 2023 you can us USCIS to verify my identity if needed thank you