davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to bring to your attention a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1692g, as well as my right to privacy. It has come to my attention that XXXX has failed to properly verify a bankruptcy entry in my public record on my credit report. I demand the immediate removal of this inaccurate bankruptcy entry from my credit report, as it violates my rights and threatens my financial well-being. 

Under 15 U.S.C. 1692g of the FCRA, credit reporting agencies such as XXXX are required to provide consumers with certain rights and protections regarding the accuracy of their credit reports. Specifically, Section 1692g stipulates that if a consumer disputes the accuracy of any information in their credit report, the credit reporting agency must conduct a reasonable investigation to verify the accuracy of the disputed information. This investigation includes contacting the original source of the information to obtain verification. 

In my case, I have disputed the accuracy of the bankruptcy entry that XXXX has included in my public record. Despite my dispute, XXXX has failed to conduct a proper investigation and verification process to establish the accuracy of this bankruptcy entry. This failure not only violates my rights under 15 U.S.C. 1692g but also puts my financial reputation and privacy at risk. 

I demand that XXXX takes immediate action to rectify this situation : 1. Remove the inaccurate bankruptcy entry from my credit report without further delay. As XXXX has failed to properly verify this entry, it should not remain on my credit report, as it is damaging my creditworthiness and causing undue harm.

2. Cease any further reporting or disclosure of this inaccurate bankruptcy entry to third parties, including potential creditors or lenders. It is imperative to protect my right to privacy and prevent the dissemination of false and damaging information.

3. Provide me with written confirmation of the removal of the bankruptcy entry from my credit report and the actions taken to rectify this violation of my rights within the legally mandated timeframe. 

I want to emphasize that I am fully aware of my rights under the FCRA and other applicable laws. I expect XXXX to comply with these laws and fulfill its obligations as a credit reporting agency. Failure to address this violation promptly and effectively will leave me no choice but to take legal action to protect my rights and seek appropriate remedies.
Consumer complaint received 2024-06-05
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 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. 


( CREDITOR NAME ) 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 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TX)

I was approved for 100 % discharge via XXXX v. XXXX. XXXX had my loans unconsolidated, and they showed discharged. Now, they show them reconsolidated ( into 2 big loans ) and with a due date of XXXX. Yesterday I received a letter yesterday showing a new due date of XX/XX/XXXX. I can not get any answers as to the status of my loans and when they will be discharged per the BD ruling or why they were discharged and then added back as consolidated. Their chat is down, the phone wait is days and they do not call back, nor do they respond to emails or FB messenger. XX/XX/XXXX is fast approaching and I do not understand why nothing is happening and/or no one is responding in any fashion. It's ridiculous and terrible service.
Consumer complaint received 2024-06-05
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. (GA)

I reviewed my consumer reports and noticed that I had late payments on some accounts that I was never late for. The consumer reporting agencies have 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 my payments for the accounts that I have included screenshots inside this complaint in on dates XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached.
Consumer complaint received 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I filed a dispute multiple times and they failed to respond past the 30 days required. I am a victim of identity theft this account is a fraudulent account. 
A FTC is attached and was sent to the companies and still nothing. I demand this account XXXX XXXX XXXX XXXX BE REMOVED immediately.
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank ( credit card company for XXXX XXXX ) falsely claims they have an 'automatic payment ' process. This is incorrect and incurs a late fee as the consumer thinks they are setting up an automatic payment process when in fact the consumer must manage payments manually. A visit to the XXXX  XXXX  website ( XXXX ) shows multiple complaints from consumers who are being misled by this false claim of 'automatic payments '. Further, Comenity customer service states they will rectify the reporting of a late payment due to the misunderstanding ( as occurred in my case ), when in fact they will not which leads to falsely reporting consumer behavior to the Credit Bureaus. Comenity  is negligible in their handling of money, and most likely incurs a very high late fee income when compared to other Banking Cards. Their behavior can only be described as criminal, at best, as they are not conducting the management of their credit with consumers fairly. Date : XX/XX/2017. Amount was {$210.00} when noted as late. Comenity refuses to acknowledge their falsely claimed 'automatic payments ' caused the late notice.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally file a complaint regarding multiple violations under the Fair Credit Reporting Act ( FCRA ) Section 623 by XXXX XXXX XXXX XXXX and XXXX. Below, I have detailed the issues observed on my credit reports with XXXX, XXXX, and TransUnion. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Illegal Re-aging on XXXX and XXXX : The last activity reported on my XXXX credit report is listed as XX/XX/XXXX. 
The last activity reported on my XXXX credit report is listed as XX/XX/XXXX. 
However, XXXX 's 2-year payment history shows two instances of being 60 days late, which is not reflected on XXXX, indicating a discrepancy and potential illegal re-aging. 
This inconsistency violates FCRA Section 623, and I request the removal of this false information immediately. 
XXXX ( Account # XXXX ) Violation of Reporting Standards : TransUnion shows this account as past due, whereas XXXX and XXXX both show it in good standing. This discrepancy constitutes double jeopardy and is a form of illegal re-aging. 
TransUnion reports the last activity as XX/XX/XXXX. 
XXXX reports the last activity as XX/XX/XXXX. 
XXXX reports the last activity as XX/XX/XXXX. 
Additionally, there are numerous inconsistencies in the 2-year payment history across all three credit bureaus, further indicating inaccuracies and reporting errors. 
Given these multiple violations, I request that the inaccurate information be corrected or removed from my credit reports immediately. 
These discrepancies and reporting inaccuracies have caused significant distress and have adversely impacted my creditworthiness. I urge the CFPB to investigate these matters promptly and ensure that the reporting entities comply with the provisions of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2023-12-11
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. (GA)

I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed proof of my identity and a copy of my FTCIdentity Theft Report. 
In accordance with the Fair Debt Collection PracticesAct, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishersof Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRArequires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Pleasesend me copies of all records relating to the account, including : Pleasesend me a letter explaining what you have done to : XXXX {$650.00} XX/XX/2023 XX/XX/2023 Account applications made on paper, online, or by telephone Account statements or invoices Recordsof payment or charge slips Delivery addresses associated with the account Recordsof phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX Enclosures : FTCIdentity Theft Report Proof of identity Notice to Furnishersof Informatio
Consumer complaint received 2016-10-23
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (CA)

XX/XX/2016, a merchant processed an unauthorized charge on my US Bank personal Visa card in the amount of {$270.00}. 
I happened to be travelling abroad on business so I did not notice this charge until my return XX/XX/2016. My account has been previously paid off with no outstanding balance. 
When I called US Bank credit card customer service XX/XX/2016, I opted to pay the balance in full by phone and dispute the transaction with the merchant rather than initiating a dispute with US Bank. The representative assured me that there was no negative impact on my credit report by doing this. 
The merchant opened a case ( case # XXXX representative name XXXX ) to investigate the charge and once that was completed, XXXX XXXX refunded the amount back into my US Bank credit card. The charge as well as the refund currently appear on my credit card transaction details. 
Placing a late payment because of an unauthorized use of my card contradicts the fair reporting act and is causing me a significant financial hardship.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Account # XXXX has violated my rights. I have already disputed these items with the bureaus but they did not remove them, nor prove validation.

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
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have recently checked my credit report and seen inquiries I did not authorize XXXX XXXX ( trans union ) XXXX of XXXX XXXX trans union XXXX XXXX XXXX XXXX trans union XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX ( trans union ) XXXX XXXX XXXX trans union XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( transunion )
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-05
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account # XXXX
Consumer complaint received 2023-09-03
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. (MD)

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 U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A 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 that the information is inaccurate.
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

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 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 XXXXXXXX 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 2024-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I hope this message finds you well. I am writing to express my deep disappointment and frustration with the ongoing issue regarding the correction of a late open account and removal of late closed on my record, despite this attempt to rectify the situation. Despite providing thorough documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. I implore you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open and remove the late closed accounts entry on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct this late open and remove the late closed account : XXXX XXXX XXXX XXXX  Balance : {$55.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance : {$0.00} Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary.