davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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. (MO)

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-15
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention to be deleted in my file : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

EverBank ( recently acquired by TIAA in XXXX XXXX ) has held the servicing of my mortgage since XXXX. We bought the property in XXXX and the mortgage originated in XXXX. The property is at XXXX XXXX XXXX, XXXX XXXX, TX. 
The property was bought for my son, daughter -in-law and grandson to live in while they established in the area. A grad-daughter was born when they lived there. After Hurricane Ike in XXXX they moved back to XXXX. Although it had no damage. It then was rented for XXXX years and in XXXX I had my elderly mother move in from her 2 story townhome and has occupied the home since. 
On XXXX XXXX I got a " good-bye '' call from my mother at XXXX XXXX time stating that the home was being flooded and she was not sure if she would make it. After calling the city of XXXX XXXX to get her on the list to be rescued my son and I loaded some tools and supplies into my truck and took off for the hurricane zone. On the way on the 2 day trip, I checked the mortgage website and saw my flood ins had been paid just a couple days earlier, so I called to file a claim. Upon arrival and picking my mother up from the XXXX XXXX XXXX, I was given the news that I did not have flood insurance for several years. After setting up a trailer in the driveway and getting a contractor and services in order, I returned to XXXX and called EverBank once again and was told by XXXX in customer service that they never collected for flood so it was never paid. So what was the entry in the escrow for flood ins.? Not her problem. So I am out almost 28k for repairs and upgrades on the home to get it functioning again for my mother to move back in. And due to it not being my primary residence, FEMA sent me a denial of any assistance via email almost immediately as I completed the online application process. My XXXX year old mother who lost almost everything to huge piles in the front yard, also got FEMA denials due to my contractor was so good and poured huge resources into the home, the home was livable and almost complete by the time FEMA came out to assess. Weeks earlier sewage and water to knees, torn out cabinets, kitchen and baths, ruined carpet, non working appliances, beds, dressers, chests, pictures, memorabilia, coffee and end tables - all gone. I had to use a lot of credit cards and savings.
Consumer complaint received 2023-04-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against The money source regarding their poor quality of service. I have had several issues with this company, including a late payment that was their fault and their failure to provide me with adequate customer service. 

I reached out to a supervisor regarding the late payment, and they were supposed to call me back to discuss a resolution. However, I never received a call back, and when I followed up with the company, they were rude and unhelpful. 

Furthermore, I have had additional issues with this company, including a lack of communication and failure to provide me with the courtesy of fixing their mistakes. I have tried to contact them to address these issues, but they do not call me back or provide me with any assistance they put a late payment on my credit report for XX/XX/2022 I tried to explain what happened to the agent that was supposed to help me but all he did was try to confuse me I explained they had me cancel the payment on the app and pay it over the phone I have been doing business with the money source for almost 2 years I have never been late always pay on time this is effecting my credit report the last agent I spoke with was XXXX XXXX, I am extremely disappointed with the level of service provided by The money source, and I believe they are not meeting the standards of customer service that are expected. I hope that the Consumer Financial Protection Bureau will take action to ensure that this company improves its service and treats its customers with respect. 
My account # XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Since XXXX  in XXXX, despite representing that Navient would help find the best repayment options me, Navient steered me into costly long-term forbearances instead of counseling me about the benefits of more affordable income-driven repayment plans. I was also a victim of predatory lending from XXXX XXXX. Interest that accrued because of Navients forbearance steering practices was added to my loan balances, Doubling the total amount due from XXXX to XXXX, pushing me further in debt. Had the company instead provided me with the help it promised, income-driven repayment plans could have potentially reduced my payments to as low as {$0.00} per month, provided interest subsidies, and/or helped attain forgiveness of any remaining balance after 20-25 years of qualifying payments. It's been 15 years and there is no dent in my student loans what so ever. 
In addition, XXXX XXXX, now Navient made predatory subprime loans to me and other students attending for-profit schools and colleges with low graduation rates even though it knew that borrowers would be unable to repay the loans. Navient made these risky private loans as an inducement to get schools and colleges to use Navient as a preferred lender for highly profitable federal loans. I was a victim and now I am forever in debt.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/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.

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!
Consumer complaint received 2024-08-16
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

My credit report notified me that TD Bank retail card services changed my payment history in XXXX and XX/XX/XXXX to 30 days late and 60 days late, respectively. I have had no balance on the card since XXXX. I have every statement showing showing no account activity, no purchases and no balance due. Because of this error, my credit score has dropped approximately XXXX points. When I reach out to TD retail services, they tell me theres nothing they can do. They went back in time over one year and randomly changed my payment history for no reason. This is the second time this has happened and has also happened in XXXX. This company keeps reporting incorrect information.
Consumer complaint received 2023-04-14
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. (TN)

accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a Truist Bank Mastercard, I had a balance as of XX/XX/XXXX of {$930.00}. I sent the payment via online banking program. The next day, I made a purchase with a company, for {$340.00}. The company credited me back {$170.00}. At this point by balance shouldve been {$170.00}, instead, the bank added my payment and the credit to the card balance totaling {$1200.00}. I called the bank and was told that my payment and the credit had not been processed. When I asked why were the payment and credit added to my balance, instead of subtracting it. I was told that it will take a 24 to 48 hours to be processed. I asked again why was it added instead of remaining {$930.00}. The ( gentleman ) stated, Is there anything else I can help you with. I stated you have not answered my question, why it was added to my balance. At that point I was told to have a nice day, and he hung up. 

I felt my account should have been {$170.00}, in that the online statement showed the payment and credit both pending.
Consumer complaint received 2023-04-17
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. (NJ)

I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (DC)

A credit card for Bread Cashback Amex has been charging late fees although we paid on time ( we always do ). They claim that they received the payment after the time when the payment was due. This XXXX have been because of the late mail service we all have encountered since the XXXX XXXX has been in charge. 

We also never receive an account statement from this company. Therefore, we can't make a payment until we call the company because they incorrectly charge us a late fee. We now have called every month since XXXX. Eventually, we cancelled the card on XX/XX/XXXX. 

We spoke to a customer service agent on XX/XX/XXXX. She said that she has erased the fees. I asked for an email confirmation of that. She said she couldn't do that. 

This company is trying to fraudulently get late fees from people who may be unsophisticated or don't have the time to deal with this situation.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I am extremely frustrated with all of the major credit reporting agencies ( Experian, XXXX, XXXX ) and their antiquated algorithms for credit score calculations. I have paid off ALL credit card accounts every month, paid my mortgage on time, etc. for 7+ years - yet still, if I have any sort of increased expenditure for a given month - even though it is paid IN FULL at end of the month - it still has a NEGATIVE IMPACT on my credit score if/ when my credit card utilization for a given month exceeds 30 % even though it is paid off IN FULL each month! This is total XXXX & needs to be FIXED. I am so tired of my credit score fluctuating from the low to mid XXXX to over XXXX & the only reason it dips below XXXX is due to greater than 30 % credit card utilization in a given month. This is total XXXX as to a reason for why my credit score should drop ( however temporary it may be ) & I am tired of the credit bureau agencies doing what they want to & totally XXXX over consumers because they refuse to UPDATE their credit score algorithms to something that makes sense. I am a financially responsible consumer who has larger expenditures from time to time- as pretty much ALL CONSUMERS DO- but always pay them off in full within the 30 day cycle. WHY should I be penalized by a 50+ point credit score drop in a given month merely because my CC utilization goes up from time to time? This makes NO sense & is a totally arbitrary factor in calculating a credit score & needs to be FIXED. I want a response & I want ACTION to resolve this ridiculous factor that goes into a credit score calculation. Makes NO sense & causes stress on many consumers for NO GOOD REASON.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

wrong names on my credit report. 
Delete the names as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The social security number is not mine. 

There is lot of adreses are inaccurate.
Consumer complaint received 2023-04-14
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. (CA)

On XX/XX/XXXX, I received a check from the XXXX XXXX XXXX XXXX without my knowledge about my involvement in the breach. Credit reports showed multiple negative reports by unknown agencies/individuals. All three credit bureaus ( TransUnion, XXXX, and XXXX ) failed to contact me and/or obtain my consent, verify information, and investigate their records. On XX/XX/XXXX, a report was filed with IdentityTheft.gov for fraudulent reports but no action has been taken from the bureaus. A freeze was obtained for a few months. However, the lack of security from which the bureaus are obligated to protect has caused in loss of financial stability.
Consumer complaint received 2023-04-17
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. (FL)

I wrote 3 times to TransUnion to correct my credit report with is stating than I missed payments with XXXX XXXX XXXX. On XX/XX/2023 XXXX XXXX XXXX XXXX TransUnion to remove the late payments in my credit report as they were informed by XXXX in error. As of XX/XX/2023 TransUnion still did not correct the mistake, being the only XXXX XXXX to not do that. Besides they say that in XXXX they mail me a letter informing of their review on my request. I have never received anything from them. So besides showing total incompetence TransUnion is a liar.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed multiple accounts from my credit profile. It has been well pass the dates that they should be deleted, but theres been nothing done about this! I am suffering from the impact that this is causing me, and my business. I would like this to be handled in a timely manner so that I am able to continue my credit building for business purposes. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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
Consumer complaint received 2023-04-14
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. (TX)

I have disputed multiple accounts from my credit profile. It has been well pass the dates that they should be deleted, but theres been nothing done about this! I am suffering from the impact that this is causing me, and my business. I would like this to be handled in a timely manner so that I am able to continue my credit building for business purposes. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction
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Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX, XXXX, Experian and XXXX are reporting inaccurate information on my consumer report. XXXX XXXX didnt have permissible purpose to pull my consumer report on XXXX XXXX. This unauthorized inquiry was not authorized by me. I didnt apply for credit with XXXX XXXX or any other credit provider on XXXX XXXX I have provided my Massachusetts state issued driver license as proof of my identity.