davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX 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. 


XXXX 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 2018-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (TX)

I need some help, I mistakenly billed pay my mortgage payment to XXXX/Wells Fargo a closed credit card which was back in XX/XX/XXXX which was {$2200.00} and not my mortgage company. There was nothing my bank could do because it was a bill pay, I have been trying to get my funds and it has been so hard. It has been three months, I'm behind on my mortgage now also. Not only do I still do not have my money now I have negative remarks on my credit file due to this. I'm not rich and that is a lot of money which I could not replace. I really feel that XXXX/Wells Fargo doesn't care it's there there life this is affecting. I have been told many different things, check was mailed, didn't get in the mail, called again today and spoke with XXXX at the executive offices XXXX ext XXXX and he put in another complaint as the first person would not return my calls XXXX XXXX # XXXX. Now I'm with a XXXX XXXX new # XXXX. I have stressed the important of this as I need to give this money to my mortgage company I was told another check was mailed on XX/XX/13 and still waiting. Please help me
Consumer complaint received 2024-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (PA)

More than 3 months ago I requested a XXXXXXXX XXXX XXXX to my bank Welss Fargo, due a system restrictions from them that doesnt allow to send a passcode to my mobile phone number registered with them. 
The device never arrived and all the time that I need to do some bank procedures like a XXXX transfer the system requires the code from that device saying that I already have one. 
Please send the XXXXXXXX XXXX XXXX requested long time ago to be abble to use my account. Right now im fully limited, making baking with them almost impossible.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This notice addresses unvalidated late payments on my credit record that remain unresolved despite my written dispute submitted over 30 days ago. Your failure to respond or provide validation within the required timeframe violates federal law.
Consumer complaint received 2018-07-19
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. (AL)

This a formal complaint against Transunion located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair credit reporting act and has caused me unnecessary financial and mental distress. They continuously report erroneous and unverifiable accounts on my credit report, not to mention accounts that I ask for proof of claim in which they have yet to provide after multiple disputes per FCRA. Despite my efforts to resolve this unfortunate nightmare for several months, Transunion has completely ignored the properly investigating all legal submissions to remove these inaccurate accounts from my credit profile. Im well aware of the many complaints filed against this company for unethical business practices. Yet somehow this company is still in business. This companys negligent behavior has caused lots of harm, not only to my ability to establish good credit & get lower interest rates, but also to my character as a professional individual. Please help me and other consumers put a stop to their unethical business dealings immediately. I thank you for your time and consideration to this matter.
Consumer complaint received 2024-11-07
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. (CA)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$8300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$7100.00} XXXX - XXXX - XX/XX/XXXX - {$2800.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2018-10-30
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. (FL)

XXXX XXXX is reporting a late payment ( over 60 days ) amount {$140.00}. I moved from XXXX XXXX County to XXXX County. I went in person 3 times to the XXXX XXXX branch located on XXXX XXXX XXXX, XXXX XXXX, FL XXXX and updated my information. I had paid my card in full and never received any statement or phone call from the bank advising that there was an outstanding balance. I was able to confirm with XXXX XXXX that they had returned mail in my account and I was advised that my case will be reviewed. I was finally advised that there were no errors on the bank 's side that is why the late payment would stay as reported. 
My credit is been affected with this late payment report. I am not disputing at this time what those {$140.00} charges stand for. I just tried to friendly resolve this issue without any success. I never enrolled in paperless statement so I think I was entitle to a monthly statement and or at least a phone call from XXXX XXXX before they reported me.
Consumer complaint received 2018-07-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Reliant Capital Solutions, LLC (MN)

I was contacted at my place of employment on XX/XX/18. I answered the call and they asked for me directly. I indicated that they were speaking to me and the indicated that this was personal business matter. I informed them that they could not contact me at my place of employment regarding personal business matters. The company is Reliant Financial Solutions and the phone number calling me at work is XXXX. They also have other numbers as well but this is the one that called me at work. They have been calling me multiple times per day on my cell phone number but will not leave a message.
Consumer complaint received 2024-11-07
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. (TX)

On XX/XX/year>, a notarized affidavit was sent via certified mail and the consumer reporting agency has not complied with the legal and lawful demand to block information on the basis of a misrepresentation of fact. This complaint is a further claim and additional evidence to make the Consumer Financial Protection Bureau aware of the breach of contract on the federal level. Please see attached documents so that you are well informed.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I opened a credit card account with Capital one in XX/XX/XXXX and I have had up to three cards from that time until now ( XX/XX/XXXX ) I have two cards from Capital One now and my complaint refers to both but specifically one which I had since XX/XX/XXXX. My payment record is excellent with all my cards. I have applied for credit increases many many times and was only approved for {$100.00} one time. I was told they would automatically increase my limit. Through those year my credit most of the time was at least good to the point I purchased one home and paid for it was approved for at least 15 credit cards with limits of {$600.00} to {$7000.00} I have purchased another home and have been approved for refinancing of $ XXXX.ihave chosen to only have four credit cards now with the maximum limit at {$7000.00}. My income as reported to Capital one for my credit increase was {$120000.00} last year. On XX/XX/XXXX I applied for a credit increase and was told I needed to make larger payments because my payments were to low. I hav paid this card off twice because it started with a limit of {$900.00} and almost 20 years later it is {$1000.00}. My minimum payment is {$30.00} and I made payments ( always on time or before ) of {$260.00} in XX/XX/XXXX and XX/XX/XXXX, {$50.00} in XX/XX/XXXX and {$150.00}. In XX/XX/XXXX and XX/XX/XXXX. There isnt any other reason for this but discrimination.
Consumer complaint received 2018-07-19
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. (FL)

To whom it May Concern, I have disputed XXXX XXXX with Transunion and XXXX, each month for 3 months starting back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding a account being unverified each dispute XXXX XXXX has came back as verified. XXXX XXXX has been recording account as date opened XX/XX/2013 with the amounts {$6600.00} listed on the credit report. On XX/XX/XXXX XXXX sent a debt validation letter for XXXX financial to verify the debt regarding what was sent based on my credit report. I have attached the letter that was sent by XXXX XXXX company regarding validating the debt.
Consumer complaint received 2018-10-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I have been struggling with Navient and their repayment options for a while now. I have 4 separate loans but one in particular they just wont help me with now. The total is {$20000.00}, signature loan XXXX. 

In XXXX I had spent 2hours in the phone with them so they can fix it. They told me they did I have confirmation numbers that I will be paying {$150.00}. I called recently and was informed that, that loan was never eligible for a repayment plan and aside from the {$150.00} that I am already paying for the other loans I would have to pay {$300.00} for this one payment alone. 

I submitted my financial statement before it was due and I have stressed to them that I can not pay that. 

Yesterday XX/XX/XXXX i spoke to an agent XXXX who stated that they are not obligated to help me find other options, that again I was never eligible for a repayment plan and that he is sorry the truth is ridiculous. 

I asked to speak to his manager XXXX who wasnt as rude but not helpful either and he reiterated the same thing. So not only did they misinform me in XXXX but now they arent willing to correct their wrong and are trying to make me pay what I cant afford. 

I am not paying off a car or credit card .. this is a student loan that was taken out through XXXX XXXX at the time at the age of XXXX and I regret I ever did. 

This is not the first time I have an issue with them. In the past they have taken my payments and have not disbursed them as they were suppose to.
Consumer complaint received 2018-10-30
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. (NC)

After I acquired a copy of my credit report I noticed that there were two accounts listed on them. One was from XXXX XXXX XXXX ( Collections agency ) and the other was From XXXX/XXXX. I discovered they were related in that the XXXX account was closed, and the debt on the account was sold to XXXX XXXX XXXX for collections. I contacted The debt collector and told them that it was not my account on or around XX/XX/2018, they then told me to dispute the account with the Federal Trade Commission and obtain a support document to send to them. I proceeded as instructed, and the collections account was removed from my credit reports. I soon noticed that Equifax and XXXX  after many attempts to get the account removed from my credit report with them, and sending the same proof to them as I sent to XXXX XXXX XXXX, after a 30 day investigation they decided it was accurate, and left it in place.
Consumer complaint received 2018-07-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX, I ran my credit report through XXXX. 3 accounts were on my account that show date account opened and closed with no activity reported. The dates closed respectively are XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, ell well over 10 years old. I called XXXX, was told to submit a dispute request and they would investigate the accounts. At the end of XX/XX/XXXX, I was notified XXXX finished its investigation, but would not take the accounts off. Reason : due to Customer Dispute, the 10 years changes to most recent activity date ( my dispute ) and the accounts would stay on the report. First and foremost, these accounts were not mine primarily, they were joint accounts dating back to when I was married. Since being divorced over 10 years now, there is no reason it should stay on my report. It is reducing my credit score for no good reason and immediately needs to be removed.
Consumer complaint received 2018-10-30
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. (NJ)

XXXX XXXX  XXXX has reported me late on my credit report without sending me a notice that a payment was due. I have been on auto pay for the past year and have always made my payments on time. When I called the company I spoke with a Mr. XXXX who advised the bills and notice that my year was coming to an end was sent to the wrong mailing address as well as the incorrect email address. I'm trying to purchase a home and I need the mistake corrected. I 'am current on my payments, and Mr. XXXX has put in a request to have the mistake corrected. I need it updated with all 3 credit agencies ASAP.
Consumer complaint received 2018-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Performant Financial Corporation (CA)

On XX/XX/2018 XXXX XXXX  PST I spoke with a representative with Performant who indicated she could waive some collections cost which based on the most recent statement I received is {$2800.00} for " collection cost ''. She additionally offered a final settlement for {$7900.00} but indicated she had to get approval on the amount of time she could make that available and would call back in a day or two. A week later when I didn't hear back I contacted them again and after explaining to 2 different representatives I was forwarded to a manager on XXXX at XXXX by the name of XXXX . She explained that the previous representative was not authorized to make that offer and that it had not been accepted by the creditor XXXX. And that the lowest they could accept would be something over {$10000.00}. I asked her to review the call and honor the deal and she agreed and said she would get back to me. I never received a return call from anyone since. This student loan comes from a fraudulent technical college that has since been shut down. I originally borrowed {$20000.00} and with payments made and tax offsets to date I have paid well over {$23000.00} and according to their records still somehow have a balance of {$14000.00}. On XX/XX/XXXX I faxed a letter not only asking for verification of the debt but also acceptance and acknowledgment that they made the settlement offer. What I received in response was XXXX pages of a contract that is completely illegible.
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

on XX/XX/2018 I sent a dispute letter to IC System asking for validation. I received back letter saying " XXXX has provided the attached information verifying your responsibility ''. On XX/XX/2018 I send a second letter because yet again IC System have failed to provide me with copy of any viable evidence. I have no record of the above account and i am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C 1681g the consumer is entitled to said records the requested. 
The information they are reporting is harming my reputation, its adversely affecting my credit worthiness and i am being denied credit as a result of this inaccurate reporting. They are in violation of the FCRA. On XX/XX/2018 i send a third letter, stating I have retained new copies of my credit reports and noticed that they did not furnish the credit bureaus with the required disclose within the period required by law. 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or  threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Consumer complaint received 2018-01-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (CA)

This private and federal loans are our daughters, who we co-signed for. We have tried over the many years to negotiate the payment and interest on loans to no avail, they continue to make numerous calls to my home. We as the parents want to be taken OFF these loans and perhaps pay them off, but need legal advise prior to settleing with these horrible lenders. XXXX was very sneaky and unethical we feel when suggesting these loans, why was our daughter not offered Federal loans is a HUGE mystery that has caused many financial problems within our family. Not to mention the absurd amount of money paid to these crooks, without it going towards loan but to their pockets. This should be considered as a CRIME.
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$7400.00} Payment Status : Repossession
Consumer complaint received 2018-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (WA)

I deposited {$45.00} cashin my account, Key banks ATM stole my money gave back my card and said sorry ATM isn't working this was XXXX on XX/XX/18 I contacted the bank and spoke to 2 people who refused to do anything. I asked for the video and was refused I asked for information on who services the ATM and again they refused to give me any information or assistance in anyway of retrieving they money they stole. I was going to do a police report but it was closed. Basically they steel money and it's legal? I can do nothing because they are a bank. They have 0 customer service and do not care anything about their members.
Consumer complaint received 2018-01-05
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. (CT)

I have summitted numerous request, police reports to let the 3 credit bureaus to remove inaccurate information that dont belong to me and they still appear in my credit report not funny. Dont know what else do I have to send to get this corrected my credit score is on the floor and I am not happy with that I have tried to fix this in all angle.
Consumer complaint received 2024-11-07
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.