davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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)

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 2024-06-19
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)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of student loans, medical bills, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPT ED. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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, US DEPT ED : # XXXX # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 XXXX 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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have reached out to XXXX several times regarding incorrect information on my account. My credit report shows that I have XXXX accounts with them. However, I only have XXXX account. In the past my account number has changed but I still only have XXXX account. I filed a complaint with CFPB once before regarding this same issue. The claim number was XXXX. This still has not been resolved. I would like this misinformation to be taken care of as soon as possible and updated to all XXXX  credit agencies.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute a late payment entry on my credit report, specifically pertaining to my credit card account with the details mentioned below : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Balance : N/A Balance Updated : N/A Recent Payment : N/A Monthly Payment : N/A Credit Limit : {$6500.00} Highest Balance : {$7000.00} Terms : N/A Payment History : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met : 30 Past due 30 days : XXXX Payment history guide : 30 days past due as of XX/XX/XXXX Balance Histories : XX/XX/XXXX : {$33.00} Scheduled Payment : {$33.00} Paid : {$0.00} on XX/XX/XXXX Additional info : As of XX/XX/XXXX, your credit limit/high balance was {$6500.00} Contact Info : Address : XXXX XXXX XXXX, XXXX XXXX TX XXXX Phone Number : ( XXXX ) XXXX I wish to bring your attention to a 30-day past due notation from XX/XX/XXXX, which I believe has been inaccurately reported on my credit profile. I want to emphasize that I have made full payment towards this credit card account, and I possess the necessary evidence to support this fact. 

According to the provisions outlined in 15 U.S. Code 1637 - Open end consumer credit plans ( C ) Payments at local branches.

If the creditor, in the case of a credit card account referred to in subparagraph ( A ), is a financial institution which maintains branches or offices at which payments on any such account are accepted from the obligor in person, the date on which the obligor makes a payment on the account at such branch or office shall be considered to be the date on which the payment is made for purposes of determining whether a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment.

To substantiate my claim of full payment, I am prepared to provide documented proof, which includes a copy of the payment made at the XXXX XXXX XXXXXXXX XXXX, as well as any other necessary documentation that demonstrates the complete repayment of my debt. Additionally, I possess video evidence of the transaction that took place at the bank branch.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX 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 me 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.

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 Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I asked my manager to send me {$200.00} urgently as I had to pick up my car to be able to pick up my kids from school and he did send me {$200.00} on XX/XX/year> at XXXX XXXX  as per the bank of America sms sent to me but the funds were not available I called bank of America speaking with more than 6 agents lastly to a manager named XXXX with the id # XXXX who couldn't give me a reason why I can't access my funds meanwhile I was notified by bank of America via sms message that the amount of {$200.00} was received
Consumer complaint received 2024-09-24
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. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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 recently discovered I have unauthorized accounts that i did not open. I've been trying to build my credit score and once I discovered the problem I knew something was off. I would like for these unauthorized accounts removed expeditiously! This is my life and future on the line and I would like for this to be resolved.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I, XXXX XXXX XXXX, has a plenty of credit card, and i pay all my cards on due date on time, has a XXXX  late fee my score was XXXX, but sometimes my score is over 850 in some scores. I opened a card with bank of america on XXXX and did a transfer balance. first of all when i receive each card, i register online, add my bank account and check auto payment always this way. 
with bank of america they took a payment from my bank account as auto payment for three months the fourth month i paid all the balance. on XXXX i used the card, assuming has my auto and bank account. notice in my email, that there is a balance past due, first i really thought a scam so i can open that site, but also i entered the site from XXXX and noticed i really have a past due a late fee. thats upset me when i didnt find my bank account. i called bank of america, asked where is auto payment or also my bank account info. she said its not there. I saw in that site all my statement from XXXX, and asked her to look that the payment was drafting at certain amount every month. so where is my info. she maybe offended from my tune I was really upset. I told her i, m XXXX XXXX XXXX XXXX XXXX and i really honest person pay all my accounts on time. and she said its over 2 months we cant do anything this will affect ur credit score. i paid whole balance and gave her my account info. then i hangup. after one week i called a bank of america and they told me i can made a dispute for my score. and they told me i closed my card. i couldnt believe that. i answered i called but i dont remember i asked for closing my account, and i dont recall, yes i was upset and maybe rude with the lady, but its online problem not human. i reused after 4 years my card again and maybe they deleted my info. but defiantly didnt close my account of XXXX limit will hurt me as the late fee. 
i, m not happy bank of america, hurt my score and closed my account, and blaming me i asked for that. thank and XXXX knows i tell the truth. all i want to cancel late payment and get me where i was before. it wasnt my fault. thanks XXXX XXXX
Consumer complaint received 2023-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC (NY)

Date - XXXX / Amount - {$400.00} / Violations of U.S.Code 1681 ( a ) ( 1 ) accuracy & fairness / 15 U.S.Code 1681 ( b ) permissible purpose / 15 U.S. Code 1681 C-2 /! 5 U.S. Code for reinsertions/ Legal documents letters of Cease and Desist / Harassment / Trademark & Copyright Infringement / were sent, issued to company, agency / owner, consumer alleged fraudulent debt was sent as negative debt, late payment, hard inquiry unauthorized as authorize user without the permission of consumer consent to all three credit beaururs XXXX, XXXX, XXXX, causing XXXX, unfair housing and employment opportunities.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account with ( BLOOM/CBNA ) was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 XXXX 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with 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 my 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 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 2024-06-19
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 am putting transunion on notice to further my Claim that transunion is a aid to non public information being disclosed on my consumer report I have opted out of Creditors and I have opted out of transunion to remove and stop the reporting of Negative Accounts like : XXXX XXXX Account number XXXX Which transunion is reporting my transaction history and experiences history like when account opened how much Im paying a month how much credit Im using on the accounts the late payments on the account which in accordance to 15 us code 1681a ( I ) transaction history and experiences are excluded from Consumer report Transunion XXXX needs to either remove all late payments and utilization on account or remove account in total Same goes with : XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2023-08-26
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: EQUIFAX, INC. (CA)

To whom it may concern Please ask XXXX XXXX XXXX, to provide the following information before you simply write its been Verified and close my complaint. 
this account needs to be validated first please ask them to provide you with a copy of the original contract bearing my signature that I signed for this debt. 
Need a copy of the payment history from the original creditor that clearly shows my payments with them. Also, they provide the name and address of the original creditor. 
Also, we need proof of ownership that XXXX XXXX XXXX have been assigned this debt. If they Decline to provide, please remove it from my credit report. 
Thank you.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

To whom it may concern, I have repeatedly requested that you investigate the accounts below and provide me with any Documents to support your reporting. As of today, you still need to supply such documents. 


Accounts : Account name : XXXX XXXX - Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXX XXXX. Account # XXXX I am requesting, concerning FCRA 611 ( a ) ( 7 ) : A description of the procedure ( s ) used by your agency in my earlier disputes.

All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required.

Written proof that you forwarded all the relevant information in my earlier disputes To the creditor. FCRA ( a ) ( 2 ) ( B ) If such information can not be provided within 30 business days, I demand the complete removal of the account from my credit report.

I am keeping careful records of our communications in case I must file a complaint to relief and monetary damages under the FCRA Sections 616 and 617.

After you have completed your investigation, please send the results to me via mail.

Please note I am disputing this on my behalf and have included a copy of my ID to verify my identity. 

My information is as follow : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NH XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diverse Funding Associates LLC (NY)

This is a follow up complaint to an initial complaint. 

On or about XX/XX/XXXX DNF associates placed a trade line on my XXXX credit report. 

After disputing through several agencies the company responded that the line item was due to a XXXX XXXX credit card - allegedly taken out XX/XX/XXXX, with no payments made, closed XX/XX/XXXX. The debt was sold to XXXX associates XX/XX/XXXX. 

The FCRA regulations are clear that the date listed on the credit report should be the date of delinquency. The account is listed as opened in XX/XX/XXXX. In the response from my other complaint the company clearly indicates the account was opened XX/XX/XXXX, and with no payments made the date of delinquency would be 30 days after XX/XX/XXXX. 

DNF has changed the date on the account to park the debt. The date on the account should be changed to reflect their own records of XX/XX/XXXX as the open date and the delinquency date of XX/XX/XXXX. 

Debt parking is illegal. Fraudulently and knowingly reporting incorrect information to the credit bureaus is illegal. DNF should be investigated for debt parking.
Consumer complaint received 2024-06-20
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. (CA)

I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for.The consumer reporting agencies assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that I have included screenshot inside this complaint in on the date of XX/XX/year>. 
Please investigate and provide proof with statements showing that this payment was late.If proof cant be provided I demand this payment be updated to paid as agreed on time as that should be due to the fact I was never late .Thank you.Please see screenshots attached.