davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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. (KS)

My account with TRANSUNION 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 ( MONTHS REPORTING LATE ) 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.

TRANSUNION 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 2024-10-05
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (IL)

In XX/XX/year>, my wife and I paid for a kitchen upgrade for around {$30000.00} for our new home from Home Depot. At the time, we discussed financing options with the sales rep, and she said that there was a promotional offer of 24 months interest free financing if I open up a credit card and pay at least the minimum monthly payments. We signed up when the sales rep was in our kitchen helping us think through design options and authorized the payment. 

We them paid above the mimimum payments every month ( {$1100.00} ) in order to make sure this was paid off by the end of the promotional period. I set autopay, so I did not look at my statement balance. 

I checked our XXXX balance, and I noticed we were being charged {$660.00} in interest for the month, so I looked back and saw that we had been getting charged for interest since XXXX. 

I called customer service on XX/XX/XXXX. They said that the sales rep must not have put the correct financing option in, but said that because I caught this outside of a 60 day window that there is nothing they can do to fix. Even though it was a sales reps fault, they said it is up to the consumer to catch it. As a result, they said this is now an interest bearing balance. I asked to escalate this further, and they said there is nothing I can do except send a letter to the executive response team, and they gave me a po box number and a fax machine. 

I do not think I should be responsible for thousands of dollars in interest because of a mistake from the sales rep and a 60 day window that I missed.
Consumer complaint received 2022-07-25
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. (VA)

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : 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 2022-07-25
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. (IN)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-07-31
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 2022-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was scammed out of XXXX for a real estate rental, XXXX XXXX, my bank did not warn me of or provide me with fraud protection. The money was transferred into a bogus account set up by a hacked email
Consumer complaint received 2022-07-25
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. (AZ)

The credit agencies stated my account was properly investigated but how is that possible if the accounts are inaccurate. This is grounds for removal and they also violated my rights under 15 USC 1681 602 a states I have the right to privacy and 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C. 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

Inaccurate accounts XXXX  acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX US DEPT OF ED/XXXX  # XXXX ( multiple accounts ) same acct number XXXX  acct # XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX I want a {$1000.00} per violation or accounts removed from my credit report
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (NV)

Upon reviewing my credit report, I do not recognize the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : LVNVFUNDG Account Number : XXXX
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zarzaur and Schwartz, PC (LA)

ZARZAUR & SCHWARTZ, P.C is in violations of the following federal laws 15 USC 1692d - Harassment or Abuse, 15 USC 1692e ( 2 ) ( A ) - False and Misleading Representatons,18 USC 1028 - Fraud and related activity in connection with identification documents ( Social Security ). Pursuant to 15 USC 1692j, ANY forms, statements or any documents sent by your office are considered DECEPTIVE forms because they are being used to create the FALSE belief that I, the consumer to whom these alleged debt claims relate, owe you any alleged debts.
Consumer complaint received 2022-07-25
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-07-31
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: Experian Information Solutions Inc. (NY)

The inquiry was NOT authorized. 

EXPERIAN XXXX XXXX Date of Inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2022-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : CREDIT COLL ( Original Creditor : XXXX XXXX  ) Account Number XXXX XXXX Account Name : CREDIT COLL XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number XXXX XXXX
Consumer complaint received 2018-10-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX has been contacting members of my immediate family after I have already asked them not to be doing so, I told them I was in a debt relief program and I wouldn't be speaking directly with them anymore. They haven't contacted me since the last conversation but they continue to call my family. They have even gone as far as to call my birth father and his wife regarding my account and disclosed my private information in regards to my account. I have no actual legal attachment to my birth father anymore. They even lied and said I used them as a reference for their credit cards and said I had given their contact information and gave them permission to call them, Which I did not. I have 3 different accounts with this bank, XXXX XXXX, XXXX XXXX, and a XXXX XXXX account. The debt relief program I am in is called XXXX XXXX XXXX. They also send letters to my house constantly asking to collect my debt and is still reporting the debt for my credit score.
Consumer complaint received 2022-07-29
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # 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.
Consumer complaint received 2018-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (LA)

On XXXX XXXX Southwest Recovery Services sent me a letter responding to my dispute letter for the amount of XXXX dollars asking me to provide enough information about the debt they have reported on my credit and all the information I have is their name and address. If they are reporting debt on my credit how is that possible when they can not send me the account number to the debt they say I owe them.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

MY CREDIT SCORE HAS DECREASED BY 17 POINTS AND I HAVE TRIED SEVERAL PHONE NUMBERS AND CAN NOT GET AN ANSWER AS TO WHY MY CREDIT SCORE HAS GONE DOWN. I WANT THIS ANSWERED IMMEDIATELY. THEY ARE ALSO KEEPING INVALID INFORMATION ON MY REPORT EVEN THOUGH IT WAS DISPUTED AND IS CLEARLY NOT VALID.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It makes me wonder why does the Credit Bureaus were unable to remove he disputed items from my Credit report despite the multiple letters and complaint I have been submitting to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information and FTC 's ID THEFT REPORT I received. But despite all these, the Credit Bureaus have failed to comply with the FCRA section 605b which I highlighted on my letters. How many times do I have to inform and remind the Credit Bureaus of their obligation to comply with the FCRA section 605b? I already grew tired to disputing my Credit in a polite manner which leaves no choice but to be aggressive. I have been informing my Legal counsel about my situation and they offered to help me by taking legal action and sue the Credit Bureaus due their negligence. I am submitting this complaint to inform the Credit Bureaus of my intentions and if they still choose to not comply with the FCRA statute, my legal counsel is willing to file a lawsuit. I need the following items removed completely from my Credit File! 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX  XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (CT)

On XX/XX/XXXX a seizure order was placed on my account and the account was frozen. {$8000.00} was removed from my account. A call to TD bank revealed they had received a sealed seizure order and could not give me any other information. TD bank stated whoever had initiated the order would contact me. I was also charged a processing fee of {$120.00}. The account was at {$0.00}. I did not receive notification of anyone regarding seizure of the money. I contacted the Department of Justice, IRS. They were not involved. Many phone calls were placed to TD bank on XX/XX/1920, XXXX, XXXX. They stated they could not release any information as the order was sealed and i would receive information from the party that seized the money. The account remained frozen. Calls were placed to TD bank 2x a week for four weeks. I never received notification regarding who had seized XXXX. 
On XX/XX/XXXX the complete amount plus processing fee was returned to the account and the account was unfrozen. FIVE WEEKS LATER. I want to know if this was the result of fraud, a banking error. Can I put money in this account again? DURING THAT TIME I HAD TO BORROW XXXX FROM FAMILY AND FRIENDS TO PAY MY BILLS AND FEED MY FAMILY. IT WAS EXTREMELY STRESSFUL. I conveyed multiple times to TD Bank that I had not been notified who seized the money. I asked them to at least notify the party and let them know I had no idea who seized the money.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This complaint is my own, regarding late payments on my credit record. I've found these late payments after checking my records. I sent letters about this over 30 days ago, but got no response or proper validation. I need your help to solve this quickly and effectively.
Consumer complaint received 2022-07-31
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  Account 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 XXXXXXXX, 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 a account without my written instructions.
Consumer complaint received 2021-10-18
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: CITIBANK, N.A. (NY)

I received a credit card offer from Citi, which I did not request, with a second card which has the name of a person I do not know. This is very dangerous because I'm assuming that once I activate the card that second person will be allowed to use the card. I would like to know how something like this happens.
Consumer complaint received 2022-07-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX my phone number is ( XXXX ) XXXX if you want to contact me concerning the validity of this complaint I'm sending again. On XX/XX/2022 I mailed XXXX XXXX XXXX XXXX an Affidavit of Legal Notice and Conditional Acceptance Upon Proof of Claim. The affidavit is evidence that may be used according to the Federal Rules of Evidence to enforce or prosecute a default by me in this matter. They have failed/refused to respond thus ending the alleged agreement and giving me evidence that they did not follow GAAP. XXXX XXXX XXXX XXXX is and have been concealing material facts. I have been more than patience with XXXX XXXX XXXX XXXX. I have a right to dispute directly with the alleged creditor and they have a duty to respond to my correspondence which they have continuously failed to due. How this is allowed to remain on my credit report is far beyond disbelief. Fraud has been committed when a false statement is made with the maker having knowledge that the statement would be relied upon with the intention that the other party will believe it and act upon it and the party having justifiable reliance on the truth of the statement incurs a damage. I have incurred a damage and humbly demand to be made whole. I am uploading my evidence and demand that XXXX XXXX XXXX XXXX produce evidence that they responded to my inquiry or delete the falsely reported account immediately. XXXX is equity and where there is equal equity, the law shall prevail. Thank you for immediate attention to this matter..D.Y.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have attempted to contact Tranunion, XXXX AND XXXX XXXX XXXX XXXX regarding this debt. The debt is reporting INCORRECTLY and have been sometime. Whatever incorrect update that was made on XX/XX/XXXX dropped my score by XXXX points!!!!! nobody can seem to get this account corrected between the two companies so I need help.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX  XXXX XXXX-Date of Inquiry XX/XX/2020
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

On XX/XX/2020, I sent a debt validation letter via certified mail with return receipt to Debt Recovery Solutions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX requesting Debt validation Tracking # XXXX shows it was received and signed for on XX/XX/XXXX, XXXX by a name I can not make out. Debt validation is my federal right granted under the Fair Debt Collection Practices Act XXXX FDCPA XXXX. Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and Debt recovery solutions has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company. THIS DEBT IS NOT MINES.