davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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. (IN)

First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the XXXX XXXX software. If this account is not removed, when this is taken to court I will make sure I receive my { {$1000.00} } per violation. *I have sent verification after verification Identifying myself and they keep sending me letters prolonging the process asking for the same thing.
Consumer complaint received 2023-02-08
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. (TX)

Account name XXXX XXXX Account number XXXX Is reporting on my credit report Account charged off. {$480.00} written off. {$480.00} past due as of XX/XX/2023. This information is incorrect and I have asked XXXX to remove this account from my report and they have not replied back
Consumer complaint received 2023-02-08
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit beaurus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}.
Consumer complaint received 2019-02-21
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)

I have requested in writing to Equifax credit reporting agency to block/remove a creditor from my profile. Equifax has failed to complete their investigation in a timely matter.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In response to filing a complaint with the CFPB, capital one has responded by no longer sending monthly statements. The last statement I received was XXXX 2015. 
I also have been blocked from accessing my account online. The Honorable XXXX XXXX will undoubtedly begin his response discussing my bankruptcy. However the case has been closed for a year I 'd like to have statements and online access. I have asked and been told by XXXX XXXX to call someone else at Capital One. His response unhelpful and unprofessional. Capital One has determined that they will not respond to my calls. See email attached from their attorney stating that I am not to call nor will not get any responses. 
I have been the victim of Capital One 's retaliatory and predatory nature and in fear of them sending their attorneys after me for calling I am unable to call and appealing to the CFPB for assistance
Consumer complaint received 2015-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (CO)

I had a collection from XXXX, I disputed it and XXXX found that I was correct, this was identity theft. since then I 've had XXXX companies try to collect the same debt, every 3-4 months I have to redispute with a diff company to have removed. this is dropping my score and interring with my life.
Consumer complaint received 2015-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I reviewed my Chex Systems consumer report and there are fraudulent and unauthorized inquiries listed on my consumer report. The following inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to formally dispute an inaccurate late payment reported on my consumer report from " XXXX XXXX XXXX XXXX ( Account : XXXX ), '' marked as a late payment for XX/XX/year>. This record is incorrect, and I request an immediate investigation and correction of my report. The inaccurate reporting of this late payment violates my rights under the Fair Credit Reporting Act ( FCRA ) and potentially other applicable laws : Violation of FCRA ( 15 USC 1681i ) - The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of information in consumer reports. Reporting an incorrect late payment fails to meet this standard. Failure to Conduct Reasonable Investigation - Under the FCRA, credit bureaus are obligated to conduct a thorough and accurate investigation of disputed information. This obligation was not met in this case, as this inaccurate reporting has not been corrected. Rights to Fair Resolution under the FCRA - As per the FCRA, consumers have the right to timely correction of any disputed and inaccurate information.
Consumer complaint received 2023-02-08
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Acct # XXXX, XXXX Bank XXXX Acct # XXXX, Credit XXXX Bank XXXX Acct # XXXX, XXXX Bank : Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX Acct # : XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Acct # : 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 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 XXXX 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 2023-02-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (NC)

On Saturday, XXXX XXXX XXXX XXXX sent a comfort advisor to my home to recommend an HVAC installation. I was quoted XXXX XXXX dollars to install two units. On Sunday, I declined to proceed with the order. My representative was notified by text and email and assured me he would cancel all on his end. I was pre-approved for financing through ALLY Financial. On Tuesday I received documents as attached. I called ALLY on Tuesday morning about my application and was told by then that the allocation was declined on Sunday XXXX and no further action was needed on my part upon as king for a fax number to send rescission documents to. I have attached my phone call and the documents labeled nonnegotiable to this complaint. At approximately XXXX XXXX  on Wednesday XX/XX/XXXX, I received an email from ALLy notifying me that they have received my signed agreement and awaiting disbursement to XXXX XXXX. I was told the application was denied and no further processing would continue. The call was made to ALLY ended at XXXX XXXX and lasted for 21 minutes. Further more the documents attached tell me to rescind within three days of the date of notice above. The date is no where on the forms they sent me making it impossible for consumers to rescind. I have attached the response from XXXX rep XXXX told me Ally would be cancelled on his end. It is important that disbursements do not take place. It is important that this item is not included in standard credit reporting as a new tradeline to my credit report damaging my credit. Further this loan should not have been declined it should have been withdrawn. They should not have declined me. It is not a fair decision after sending me an approval by email. 

they need to check their records to ensure there is no further processing of this loan. If it hits my credit report it will be damaging. I have contacted my representative to cancel orders the next day. I also contacted ALLY and was told the loan was denied as of XX/XX/XXXX which was the day I cancelled with XXXX 

Please help them to facilitate how to handle this accordingly so that my credit is damaged as a result of processing up to the point. 


Further I recieved the loan documents on Tuesday with an option to cancel by midnight of the same day by mail or physical delivery an hour and half from my home. If I have three days to rescind they should have emailed it too instead. 

XXXX XXXX should not be making requests for any orders because I cancelled installation. The rep cancelled it upon receiving a complaint about his proposal from my by email on Sunday XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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. (LA)

I'm writing this CFPB Complaint in accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of the contested accounts is provided below : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$95.00}
Consumer complaint received 2023-02-02
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. (MD)

I sent a letter on XX/XX/XXXX to remove these items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : XXXX ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX, XXXX & I am including it again.,
Consumer complaint received 2024-09-04
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. (KY)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

For the second time this year, my Capital One credit card has been compromised by a breach in a merchant system. In the first instance, I asked if Capital One could give me additional information for my own protection, as I would like to make a decision about whether and how I continue to do business with a merchant with potential security issues. They refused, citing an " ongoing investigation. '' Due to the circumstances, I was able to determine the merchant on my own ( family and friends ' cards were compromised as well ), and I was eventually notified by the merchant. I never received additional information from Capital One. This same problem has happened again, and while I realize there may be extenuating circumstances that need to be sorted out, I believe it 's a consumer 's right to know the identity of a company whose security was breached, potentially impacting their personal and financial information. Capital One informed me today that it is the merchant 's decision whether or not to make the information public and notify customers. What are my rights as a consumer in this circumstance?
Consumer complaint received 2015-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (OH)

I am so very frustrated with PHH Mortgage. My loan has been there since XX/XX/2015. I travel and need to ensure that my payment is made so I typically make my payment online and am charged a {$7.00} fee for making a payment. When I inquired about the fee I was told that if I went paperless it would be waived. This is not right as I want the hard copy and have been in the mortgage business for 30 years. I just made a payment over the phone and was again charge another {$7.00} fee. Please someone stop them. The last time I called they put me on hold and left me. This mortgage company is terrible and if I could I would get out
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: INDEPENDENT BANK CORP. (MA)

I have an issue with a company that I suspect has sold fake shoes. I was also overcharged and I can prove the company has inflated the price and falsely advertised the shoes as rare. I have attempted to work it out with the merchant, they wont take back the shoes. The merchandise smells like plastic and has an itchy powder in them. My bank has some preconceived notions about me and they are not filing this correctly. So their response was to fight it out with the merchant. I am not happy with this as they are not responding. I have filed a complaint with the Attorney General and XXXX and I feel the bank has a responsibility to protect customers instead of using false judgements against their customers for a legit problem. I didnt authorize the charge via signature either and it is higher than marked.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My account with TRANSUNION was never late! I have had exceptional payment history 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 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.

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 2015-08-05
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (AL)

I received a letter from TD Retail Card Services dated XXXX/XXXX/15 stating that my account is past due and to promptly send my total payment due. I call TD Retail customer service to inquire about my late charges, as I have never missed a payment. In short, they stated that I made XXXX separate payments in XXXX reflecting as a combined payment, rather than posting separately for XXXX and XXXX. The supervisor stated that I have to make payments monthly after the XXXX and before the XXXX of the preceding month to prevent XXXX posting to the same month and reflecting no payment for the next. Here is the sequence of events : XXXX paid, XXXX posted. XXXX paid, XXXX posted. XXXX paid, XXXX {$25.00} late fee, XXXX posted. XXXX paid, XXXX {$35.00} late fee, XXXX posted. Amount currently due : {$98.00} ( {$60.00} late fees ). This institution refuses to reverse adverse charges and to reinstate my account to current status reflecting 0.00 % for remaining balance owed. I have made all payments either on time or early, and this financial institution wishes to punish me for being a responsible consumer. Additionally, this unfortunately changes the terms of agreement from XXXX months with no interest to 29.99 %. This poor customer service is having a negative reflection on my current account and credit report, as this company is showing my account as late or not current.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.