davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dunlap Gardiner LLP (GA)

XXXX XXXX XXXX of Dunlap Gardiner LLP violated my consumer right to privacy by contacting me via the US Mail Postal service without my consent in an illegitimate attempt to collect an alleged debt, whereas a debt collector can not state that a consumer owes any debt. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX 's client, the alleged original creditor did not have authorization to communicate with any third-party debt collector in reference to the attempt to collect this alleged debt, nor did they have authority to furnish my personal information to XXXX. XXXX 's letter contained false and misleading information alleging that it verified the alleged debt. Whereas XXXX 's client failed to provide debt validation pursuant to the FDCPA as requested on XXXX  and again on XX/XX/XXXX. The attempt to collect this alleged debt pursuant to the FDCPA should have ceased until the disputed amount was validated in which XXXX 's client continued to violate me by their continued efforts to collect an unvalidated debt. I've yet to receive any feedback from XXXX in regard to my response mailed to his office on XXXX  The failure to produce the requested documentation is also a violation of my right as a consumer as it prevents me from exercising my right as a consumer to assess and validate this alleged debt.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have not only contacted the bureaus but I also reached out directly with the creditor thats reporting the inaccuracies and they sent me documentation stating I was in forbearance during the time frame that they are reporting the late payments. In order to report that I was ever late they should have documentation supporting their claim and they do not. 

15 U.S.C 1681 602A states that U have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions. Not only have they not verified this information they are unjustly causing me harm to being able to have an Accurate credit report and maintain my rights as a consumer.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Cease-and-Desist Letter for TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Inaccurate XXXX and FCRA Violations Dear Sir/Madam, This letter serves as a formal cease-and-desist XXXX XXXX XXXX XXXX XXXX XXXX inaccurate information on my credit report under the name XXXX XXXX. Despite active litigation filed against both of your companies ( PACER Case Numbers : XXXX XXXX XXXX XXXX XXXX XXXX  you have failed to correct inaccuracies as required under the Fair Credit Reporting Act ( FCRA ). 
The accounts in question include, but are not limited to : XXXX XXXX XXXX, these accounts are and litigation. 
Your repeated violations of the FCRA are unacceptable, and your negligence continues to cause harm to my financial well-being. 
I hereby demand that you : Cease and desist from reporting any inaccurate information about these accounts on my credit report. 
Permanently remove these accounts from my credit file. 
Failure to comply with this request will result in additional legal claims, including punitive damages for willful non-compliance. 
Please confirm in writing that you have complied with my request within XXXX days of receipt of this letter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 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! 


Update the late payments from my consumer reports
Consumer complaint received 2022-08-14
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. (GA)

A bank listed us taking out a mortgage instead we took a Home equity loan. The bank listed with three different account on our credit files, one of wich was home owner mortgqge. Sumitted information concerning the error to Equifax, It was overlooked, also in XXXX EQUIFAX listed another Home Owner 's mortgage infomation in our credit files. On XX/XX/XXXX sent a letter about these problems they continued to ignore after I ask to remove this error. We were listed with Three accounts, Convenital, Re-finance, Home Owner Mortgage Loans. In XXXX, we purchased a Home Equity Loan, and we have singed only one mortgage loan in our lifetime which was FHA loan paid and close before applying for Home Equity Loan. No psitive Results. 

We have been deined credit reports since XXXX.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX I truly have no knowledge of this account however i did dispute this account never recieved a response. This is very damaging to my credit i would deeply appreciate if this account will be removed as soon as possible. XXXX XXXX credit card XX/XX/XXXX XXXX i used this credit card company to build my credit i used my own money when i told them i wanted to close this account they did not they continue to put late payments on my account which is incorrect i asked them to send me my money back they never did however i could careless about they money i just want this item removed from all three credit reports i would deeply appreciate it so i can start rebuilding my life and credit so i can make a better life for my family thank you for your time. 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting company can not furnish a account without my written consent 15 USC 1681 S- ( a x1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any resonable cause to believe that the information is inaccurrate. So im asking to please remove both accounts from all three credit report agencies i would deeply appreciate it. Thanks for your time
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment in question was made before the due date. I have attached the relevant bank statements and payment confirmation as evidence that the payment was processed on time. 
Account Refinanced : The account had already been refinanced, and the late payment should not have been reported. I request that the refinance status be reflected properly in the records. This was an oversight, and I ask for this error to be corrected. 
Clerical Error : It appears that there may have been a clerical error in reporting the payment. This is evidenced by the discrepancy in the payment records, and I request a thorough review to correct this inaccuracy.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-19
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. (NC)

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. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-30
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. (TX)

On XX/XX/2022, I received Dispute Results from Experian showing that a XXXX XXXX XXXX account was deleted from my credit profile. 24 hours later on XX/XX/2022, I noticed that the account had re-appeared on my credit report without any explanation from the credit bureau as to if they had received any proof of documentation from the creditor that would legally be a reason to add this account back onto my report. 

I placed a fraud alert on my credit report, and I notified Experian that the account was not mine. I wrote Experian and mailed them a copy of the Dispute Report they sent me where it shows the account was deleted and I asked them to provide proof of account verification to me. The report number they removed the account can be provided at request of CFPB. 

I also called the Experian Dispute line today XX/XX/2022 and I informed the representative XXXX whom took my call, that this account doesn't belong to me, and that I have the report number that shows where Experian claims to have done an investigation and had removed the account, and that it re-appeared a mere 24 hours later with no explanation. 

I also informed the representative that I wanted to file another dispute. His response was that I could not dispute the account with Experian, I have to talk to the creditor, I told him that I have made an attempt to ask both Experian and the creditor to provide me all evidence both parties have been exchanging during the disputes I filed and I have not received anything. I have been disputing this account since XXXX XXXX. 

My rights are being violated and my requests for proof of account verification are being ignored, even after informing the bureau that the account doesn't belong to me and I placed a fraud alert on my profile, and that did not make a difference in inclining Experian to respond to my requests, again I alerted them about this account in XX/XX/2022 and have been trying to dispute it to the present day.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report pursuant to 15 USC XXXX ( a ) and FCRA XXXX ( b ), as I am a victim of a data breach. Please find the details of the affected accounts and inquiries below : Accounts : XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$970.00} Inquiries : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Consumer complaint received 2024-11-26
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America sent me an email saying they sent my friend a check and the check was not cashed Wrong address came back and they requested that he call them and give them the right address to send the check to ( sending a copy of that 3 pages along with a copy of the power of attorney 7 Pages and a photo of my ID My phone # is ( XXXX ) XXXX. 
My friend is in jail right now so he gave me power of attorney and wants me to have the money. We are thinking it is either an unemployment payment that they owe him or a stimulus payment that he didn't receive. So he wants me to keep some and put some money on his books. This was 2 weeks ago now that I picked up the completed forms from Nevada XXXX XXXX At first I scanned the XXXX papers and they came out blurry so I resent them by another fax and email. 
Now when I call them after calling them at least 3 times and giving them my phone # twice they still called the wrong # today and are saying the papers are expired!! 
How are the XXXX papers expired?? They clearly say to make me power of attorney from XX/XX/XXXX - XX/XX/XXXX and are properly notorized and signed!! I also gave them his social security number and his birthdate and the same with me plus the right address that matches the address he said to send the check to that matches the address on my ID!! What else do they XXXX want??? Makes no sense whatsoever!! What they can't read numbers and they work for a bank??
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (UT)

I have complained before on this issue and Mohela did NOT resolve it. I made several loan payments that have not been reimbursed to me. They referenced an amount that I received from a payoff I made to XXXX that they requested for me. in the amount of {$5200.00} on XX/XX/XXXX. This was for a loan that Mohela never had control over. There was several OTHER payments that I made that Mohela was responsible for requesting from the department of education because THEY HAVE THE LOANS NOW. These payments were on the dates below with the corresponding amounts. Per a conversation I had with a MOHELA representative in XXXX. She said they would be refunded and I never got them. 
XX/XX/XXXX payment of {$300.00} XX/XX/XXXX Payment of {$400.00} XX/XX/XXXX Payment of {$500.00} XX/XX/XXXX {$100.00} I WANT ALL OF THESE OTHER PAYMENTS REFUNDED TO ME as I requested on XX/XX/XXXX via a woman named " XXXX ''. XXXX was unable to request them because Mohela is their servicer now.
Consumer complaint received 2023-09-01
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. (FL)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (NH)

My Wellsfargo account was closed when the final {$1400.00} stimulus check for XXXX was sent out XXXX of 2021. I NEVER RECEIVED THE CHECK, I WAS HOMELESS, MY ACCOUNT WAS CLOSED, IT IS ALL DOCUMENTED. Wellsfargo refuses to send the check back to the IRS and alert them that my was account was closed, the IRS is now trying to charge me XXXX XXXX XXXX for the stimulus check that Wellsfargo is holding illegally.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late by the Creditor : I made the payment on time, but due to an internal processing delay by the creditor, the payment was marked as late. I have attached bank statements showing the payment date, confirming that the payment was submitted before the due date. 
System Error in Payment Posting : There was a system error on the part of XXXX XXXX which led to a delayed posting of my payment. I have included email correspondence with their customer service confirming this error. 
Inaccurate Late Fee Notification : I was not informed of any pending late fees or penalties before the payment was processed, which further proves that the delay was caused by their internal system error and not by a failure to pay on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (NV)

I made a payment on XX/XX/2023 and was told on the call this would being my account current and wouldnt need another payment until XX/XX/XXXX. Immediately the next day, I started getting a hunch of automated calls ( some which I would answer and it would connect and hang up ). 
All the voicemails ( many ) say its past due and the letter I received dated XX/XX/XXXX says past due as well. Very frustrated - I cant get on my account online because it says my account is not current. I dont have time to keep trying to answer or call during my work hours. I just want this fix- I was told I was current until XX/XX/XXXX XXXX