davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified Inquiries listed below are still reporting on my credit report in violation of federal law. The 3Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX : XXXX. XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX. XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX. XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX : XXXX. XXXX  Date of Inquiry XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  XXXX Date of Inquiry XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX  Date of Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX TRANSUNION : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX. XXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX # XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX
Consumer complaint received 2024-03-12
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. 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/2024 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 an 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 XXXX  days before the payment due date.

1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  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 8
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The following personal information is incorrect I have no knowledge of these account. I would like these account remove from my credit report. I have contacted all three credit bureau XXXX, Experian and XXXX. I have not received any response not a letter or anything. I have asked them to do a investigation and they have not. Its has been past 30 days and I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete a reinvestigation within 30 days of the letter and has not. 



2. The following personal information is incorrect Current Address es : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Previous Address es : XXXX XXXX XXXX XXXX XXXX, IL XXXX The following personal information is incorrect Employers : XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX PREMIUM Date of inquiry : XX/XX/XXXX Employers : XXXX The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Employers : XXXX XXXX Account Number : XXXX Employers : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Employers : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Employers : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified Inquiries listed below are still reporting on my credit report in violation of federal law. The 3Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : EXPERIAN : 1. XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX 2. XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX 3. XXXX XXXX Date of Inquiry XX/XX/XXXX 4. XXXX Date of Inquiry XX/XX/XXXX 5. XXXX XXXX  Date of Inquiry XX/XX/XXXX 6. XXXX XXXX Date of Inquiry XX/XX/XXXX 7. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX : 1. XXXX Date of Inquiry XXXX XXXX, XXXX 2. XXXX XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX, XXXX 3. XXXX XXXXXXXX XXXX  Date of Inquiry XXXX XXXX, XXXX 4. XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX 5. XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX, XXXX 6. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX 7. XXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX 8. XXXX XXXXXXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX 9. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX 10. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX : 1. XXXX XXXX Date of Inquiry XXXX XXXX, XXXX 2. XXXX XXXX XXXXXXXX XXXX Date of Inquiry XXXX. XXXX, XXXX 3XXXX XXXX XXXXXXXX XXXX Date of Inquiry XXXX. XXXX, XXXX 4. XXXX XXXX  Date of Inquiry XX/XX/XXXX 5. XXXXXXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX 6. XXXX XXXX # XXXX Date of Inquiry XXXX. XXXX, XXXX 7. XXXX XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX
Consumer complaint received 2023-03-24
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I AM WHO I SAY I AM. NO ONE IS WRITING THIS FOR ME. I NOW KNOW MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. 
I CREATED and sent a certified letter to you that you were violating my rights as a federally protected consumer under Title 15 Chapter 41. I demanded that you delete the alleged accounts that I never gave you written instructions to furnish pursuant to FCRA 15 USC 1681b ( a ) ( 2 ). I also wrote in the certified letter that I am not requesting for you to start an investigative consumer report!! Yet, on 8/25/21 you responded that you will " investigate ''? Let me remind you, pursuant to 15 USC 1681d ( d ) PROHIBITIONS : " A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report. '' I DISTINCTIVELY SAID I WAS NOT REQUESTING AN INVESTIGATIVE CONSUMER REPORT AND I SURELY HAVE NEVER GAVE YOU CERTIFICATION TO DO SO. 
But if you so insist on doing an " investigation '' Congress defines what a Investigative Consumer Report is pursuant to 15 USC 1681a ( e ) : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER reported on or with others with whom he is acquainted or who may have knowledge concerning any items of information. HOWEVER, such information SHALL NOT INCLUDE SPECIFIC FACTUAL INFORMATION ON A CONSUMER 'S CREDIT RECORD OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM A CONSUMER REPORTING AGENCY WHEN SUCH INFORMATION WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM THE CONSUMER. '' YOU EQUIFAX RESPONDED TO ME ON XX/XX/21 THAT " AN INVESTIGATION WITH THE FURNISHER HAS BEEN INITIATED ''???!!! Well pursuant to 15 USC 1681a ( e ) that is a violation of my rights again. 
Unless you are going to be interviewing my neighbors, friends and associates, your " investigation '' is null and void!!
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SF VAGO, LLC (FL)

EMVLP, LLC

Contact XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX


HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXXXXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

I have had this Chase XXXX for many years. Recently, approximately within the last year, I started seeing offers on my billing statement. These were " My Chase Plan '' offers. 
The offer was/is a pay over time plan. I used this " Plan '' a few times. there was no charge or a small monthly charge. My current " Plan '' I used to pay over time a XXXX XXXX XXXX premium. ( {$400.00} ) over 6 months at {$1.00} monthly fee. 
All well and good up till now. 
On or about XX/XX/XXXX Chase sent me an email saying I could put {$10000.00} on my credit card ( Ch XXXX ) and pay no interest until XX/XX/XXXX. As I have been having some financial issues of late, I took the offer understanding that there would be a one time {$500.00} fee. 
What I did not understand, what was not made clear to me and what I find deceptive and fraudulent is that I will always have to pay interest on the My Chase Plan balance as well as any other charges on that card at 17.49 %. Only if I pay {$10000.00} by XX/XX/XXXX can I avoid interest charges. 
Chase designed this interest trap and is perpetrating on its customers.A Chase supervisor explained this to me yesterday and said that the disclaimer read to me by the fast talking lady on the recording may have mentioned this and that I would never be able to avoid paying interest until the {$10000.00} was paid off Thanks, XXXX
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In Accordance with the Fair Credit reporting act ... XXXX XXXX XXXX acc # XXXX has violated my rights under 15USC 1681section 602a. the law states i have the right to privacy. and 15USC 1681 section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions. 


XXXX XXXX XXXX acc # XXXX
Consumer complaint received 2024-03-11
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. (MS)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In Accordance with the Fair Credit reporting act ... XXXX XXXX XXXX acc # XXXX has violated my rights under 15USC 1681section 602a. the law states i have the right to privacy. and 15USC 1681 section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions. 


XXXX XXXX XXXX acc # XXXX
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (WA)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. 

Creditor Name : XXXX XXXX XXXX Date - XX/XX/2021 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be re-investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " no later than 5 business days after the completion of the investigation. '' According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thanks in advance for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-23
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. (MI)

I have 2 accounts on my XXXX, Experian and XXXX reports that are being reported inaccurately. I have written to all three bureaus and asked that corrections be made to those accounts on numerous occasions with no results. Both of these accounts were in charge-off status but have been paid in full. It then becomes the responsibility of the bureaus, as well as the account originator to report it correctly, does it not? It is reporting differently with each bureau but some specific items that are incorrect include : a 120 day late payment status, account status reporting derogatory, payment status reporting charge-off, currently reporting the account in chargeoff status monthly. Due to the fact that I have asked the bureaus to investigate and correct this misreporting information on XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020, I feel I have given the bureaus enough time and plenty of opportunities to correct this misreporting information, they need to remove these accounts from my reports. Period.
Consumer complaint received 2021-10-12
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: EQUIFAX, INC. (NY)

I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. The following information listed in this report I have no relation to. This has hindered me to be able to build a good credit profile. Under FCRA 605B I am requesting that this information is removed from my credit report within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any original documentation stating that I owe a debt to these creditor. Failure to comply will result in a litigation process against all parties involved including any agency reporting fraudulent information to my credit profile. 

The following information is fraudulent. 

XXXX XXXX XXXX Balance {$4300.00} XXXX  XXXX  XXXX Balance {$520.00} Inquiries : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Resident Verify XXXX/XXXX/XXXX Resident Verify XX/XX/XXXX Please Mail all correspondance to XXXX XXXX Pl XXXX XXXX NC XXXX
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX, Experian received my dispute for multiple collection accounts that do not belong to me. 
I discovered that the account did not belong to me but instead belonged to an individual with a similar name. 
I provided relevant proof to demonstrate that these multiple accounts do not belong to me, and I mailed a request for documentation from the original collection agency that can verify and validate the debt. 
Documents revealed addresses where I have never resided. 
In addition, XXXX XXXX XXXX sent a response that included a HIPPA form with a signature that does not match mine. 
Experian didn't perform a proper and comprehensive investigation after receiving original documents from the collection agency. Experian instead responded with " account has been verified. '' The multiple accounts are still on my credit report. I need this removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This Account have violated my rights According to FCRA ; XXXX XXXX XXXX  # XXXX According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report. 
15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( XX/XX/ ). 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how this account is reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status.

Everything reported here does not meet the FRCA.
Consumer complaint received 2019-11-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America was in the process of refinancing my home at XXXX XXXX XXXX XXXX XXXX CA XXXX. The loan officer asked for a deposit of {$500000.00} into a new savings account to be used to acredit an interest rate discount of .25 percent. The value was about {$450.00} off the mortgage payment. 

Once I opened a new account and deposited the {$500000.00}, the bank debited {$10000.00} ans said it was due to money owed on a business account. However, the new account was personal and not associated with the business. 

I demanded the {$10000.00} returned. 

On top of this, the bank renegged on the ,25 percent and therefore the entire ordeal resulted in them stealing {$10000.00} from my personal new bank account.