davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as trascation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2018-04-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (TX)

The entity claims I owe them money for a debt I do not owe and had never paid on but on my credit report they have been throughout the course of ten years making it appear to where I started and setup a payment with them and have been making payments to them which I have not ever once. I have not even contacted them throughout the span of ten years. Everyday I get harassed by phone calls all from different yet local numbers ( too many to count ) to disguise the true nature of who was really calling my house. They will get on the phone trying to bait me by impersonating someone other than a debt collector. They sent a fear factor letter in the mail threatening to take funds out of my check. Since I have known them to be irrelevant I have to step up and now and take action towards them and ask for proof of any transactions they claim I have made to them so they can be made fools of I can be left alone. I have stressed and endured harassment long enough over this.
Consumer complaint received 2017-01-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp. (SC)

I co-signed an automobile lease for a new XXXX XXXX with my adult daughter in XX/XX/XXXX. The lease was with Southeast Toyota Finance aka World Omni Financial Corp. My daughter drove the car and made the $ XXXX monthly lease payments on time. She was involved in an accident in XX/XX/XXXX and the car was deemed a total loss. She continued to make her lease payments as directed. In XX/XX/XXXX, our automobile insurance company, XXXX, paid {$13000.00} to World Omni Financial Corp. World Omni claims that on XX/XX/XXXX it mailed one {$800.00} final payment invoice ( which they say was the difference between the XXXX payment and the actual value of the car ) to my daughter 's address and posted a copy to my address. World Omni Financial says the due date was XX/XX/XXXX, less than 30 days later. Neither my daughter nor I received that bill in the mail from World Omni Financial and they did not attempt to contact us about any past due amount using the multiple email addresses and phone numbers they company has on file for each of us. Instead, without a second notice or attempt to communicate, World Omni Financial listed the debt as a " charge off '' and reported the account as delinquent to the XXXX credit bureau. I learned about the matter when my credit protection service alerted me to the delinquent account report, a first ever on my more than 40 year credit history. Though World Omni Financial had already written off the debt by the time I contacted them, I subsequently paid it off through a third-party vendor they use -- XXXX XXXX ( confirmation # XXXX ). Had World Omni Financial called or otherwise attempted to contact me before all of this, I would have paid them what was owed. I always do.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-29
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)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2018-02-27
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. (NY)

I am uploading proof from a complaint XXXX I submitted. I received a response from the company thank you cfpb I submitted feedback but didnt upload my proof from my transunion credit report. XXXX and equifax are completely wrong for reporting my XXXX XXXX account with a late payment back in XX/XX/2015. The investigation done by XXXX shows proof that these 2 accounts were never paid late.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Payoff process — 
Company: Bread Financial Holdings, Inc. (FL)

The issue with my credit report started due to Comenity Capital Bank/XXXX mailing a bill for XXXX purchases to a two year old address so that I never received the bill. I had received the merchandise at my new address and did not realize I had not paid the bill as the bill never arrived at my current address. I only received a bill from Comenity by accident upon visiting my old home when a former neighbor handed me a piece of mail. I contacted the Comenity immediately and thought it was fraud. Comenity could not verify the purchases where mine in the phone call. When I finally verified the charges were mine, I paid the merchandise balance of {$530.00} in full to Comenity. I did not pay the fees and interest charges at that time because I felt the fault was due to Comenity sending the bill to the wrong address for two years. I did not know and Comenity did not tell me had already Charged Off my account before I made the payment. When I realized my credit had been affected, I contacted XXXX. In order to get my credit report corrected from incorrect information of charge offs and settlements, I was told by XXXX that I needed to pay any remaining charges consisting only of fees and interest. I was told to get a letter from the bank in question, Comenity Capital Bank who handles payments for XXXX, stating I paid the interest charges and fees and then I was to upload the letter from Comenity to XXXX. I took the actions suggested by XXXX and paid the interest and fee charges totaling {$310.00} and I got Comenity to email a letter to me saying my account was paid in full ( letter attached dated XXXX/XXXX/2017 ). Upon contacting XXXX again on XXXX XXXX, 2017, I was told by a supervisor that the letter sent to me from Comenity Capital Bank did not meet " certain criteria '' and had to be further verified by XXXX. I was told it would take up to 30-45 days. On XX/XX/XXXX, 2017, only three days later, I received a Dispute Resolution email from XXXX with a copy of my credit report showing the report on Comenity unchanged, The XXXX report still stated there was a Settlement and cited Charge Offs though all charges for merchandise and interest and fees, had been, as of XXXX XXXX, 2017, paid in full. I waited two weeks to see if I received another update from XXXX with the corrected information. On XXXX XXXX, 2017 I contacted XXXX again only to find out the original Dispute was closed and information on my account was not updated or corrected. Some facts : I uploaded the letter from Comenity to XXXX site a total of 4 times. 
As of XXXX XXXX, 2017 my credit report has not been updated with corrected information from Comenity Bank stating the charge off and the account paid are paid in full. Comenity Bank needs to correct this information with XXXX directly as I have done all I know to do. 
N.B. the address of record for this issue with XXXX is XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2017-09-11
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. (OK)

My identity leaked along with XXXX XXXX other Americans. I do n't even get to choose if they get to keep my data, since they are XXXX of the major credit bureau i have no choice.
Consumer complaint received 2024-08-29
Product: Credit reporting 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. (MA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" I recently reviewed my consumer report and noticed an incorrect late payment record on my. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''
Consumer complaint received 2017-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NY)

On XXXX 2017, I made my monthly payment of {$240.00} toward my FEDSTUDENT Loans. My bank account had sufficient funds to cover this payment. Federal student loans ' billing states that three ( 3 ) business days should be allowed to debit the account and reflect the payment as paid. 
On XXXX, 2017, I received a letter from FEDSTUDENT Loans that I had insufficient funds to cover this payment. 
THIS IS A FRAUD statement AND I can PROVABE it THROUGH MY BANK STATMENT. FEDERAL student loans & billing never processed the payment as evidently shown on my bank account BUT reported me delinquent as of today, XXXX,2017, for 8 days. 
Once again, as of today, I made another payment {$240.00} that was due on XXXX,2017 - this payment will be reflected on Monday XXXX, 2017 and late. 
It is a fault of the FEDSTUDENT loans billing practices to mess up the credit of former students. FEDSTUDENT loans work very slow and inefficiently. In addition, if a former student is on Income Based Repayment Plan, the former documents for such eligibility are not attached/displayed at the former student federal loans account online for a prove of elligibility. Why? 

Most importantly, former students should not be reported delinquent due to the wrongful billing practices of FEDLOANS. I BELIEVE THIS IS DONE WITH PURPOSE SINCE I AM ON INCOME BASED REPAYMENT PLANS - IF I AM DELINQUENT I WILL BE DISQUALIFIED AND DROPPED FROM THE IBR PLAN AND NOT ELLIGIBLE FOR. WHAT TYPE OF 'DISHONEST ' GAME IS THIS BY THE FEDLOANS?
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.

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 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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with EXPERIAN 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.

EXPERIAN 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 2016-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA (NJ)

DEPARTMENT OF EDUCATION ASPIRE RESOURCE IS REPORTING AN ACCOUNT THAT THEY NO LONGER SERVICE AND OTHERWISE TRANSFERRED TO ANOTHER LOAN SERVICING COMPANY AS A NEGATIVE ACCOUNT ON MY CREDIT REPORTS ( XXXX, XXXX AND XXXX )
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX  bal. {$3100.00}, XXXX XXXX bal. {$900.00}, XXXX XXXX bal. XXXX, XXXX XXXX bal. {$0.00}.
Consumer complaint received 2024-08-29
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)

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 2024-08-29
Product: Credit reporting 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. (CA)

Upon checking my credit report to see how my credit was doing, I noticed that I've been a victim of Identity theft and found numerous credit inquiries that I have no knowledge of with all 3 known credit bureaus.

The list is as followed.

Transunion : 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 XXXXXX/XX/XXXX PLEASE remove these fraudulent inquiries from my credit report.
Consumer complaint received 2024-08-29
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)

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX : XXXX and list of Inquiries. 

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 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.