davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (IL)

My account with ( CREDITOR NAME ) 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 those account 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.

( CREDITOR NAME ) 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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion Subject : Request for Reinvestigation of Account Accuracy I am writing to formally request a reinvestigation of an account listed on my credit report. Despite a previous verification indicating that the account is accurate, I believe there XXXX still be inaccuracies that need to be addressed. 

The account in question is : XXXX XXXX ; Date of last XXXX : XX/XX/year>. Upon reviewing my credit report, I have identified discrepancies that suggest the information provided may not fully reflect my financial status or history. A charge off account is a Certificate of Indebtedness which is income according to the IRS. This account has been written off and is to be reported to the IRS for the purpose of filing this on my personal income. This account reflects that it has been charged off and according to general accounting principles, this account can not reflect a past due balance that transunion has listed of XXXX. This is inaccurate reporting. The account is XXXX reported to be reported on federal income tax.The Maximum delinquency dates are incorrect, Transunion is reporting a 120 days delinquency of 120 days for two months, both in XXXX and XXXX, this is inaccurate reporting according to XXXX U.S.Code 1692. I kindly request that you reinvestigate the accuracy of this account providing me with detail description of the department in which you conducted the reinvestigation with, the name of that person, date, and details of the account status of payment/accounting that verifies the proof that I am responsible for the amount being reported. Details are to be provided that indicate that XXXX XXXX actually gave me a loan, statements are not to be provided as those do not prove that money is owed and the amount is past due. Transunion is to provide with the reinvestigation proof from XXXX XXXX with general accounting information from XXXXXXXX XXXX XXXX XXXX Please inform me of the results of the reinvestigation with everything I have requested and the results of the reinvestigation. I ask that a copy of my updated credit report. Thank you for your prompt attention to this matter. 

Thank You.
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8000.00} XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/year>
Consumer complaint received 2017-02-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I requested debt validation through CRA on three occasions and have not received what I requested from XXXX. FCRA states debt verification is Validation requires presentment of the account history and general ledger/statements and a copy of each agreement/contract signed and dated by the parties ( collectors and CRA ) responsible for maintaining the complete account history. Specific cases that set the precedent are listed below. 
1. XXXX, 62 Haw. 334, 614 P.2d 936 ( XX/XX/XXXX ) 2. GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App XX/XX/XXXX ) 3. XXXX v. XXXX 28 Conn. L. Rptr. 371, ( Conn. Super.XX/XX/XXXX ), and Town of XXXX v. XXXX. 513 A.2d 1218, 201 Conn.1 ( XX/XX/XXXX ). and XXXX v. XXXX, 163 Ill. App. 3d 845, 114 Ill. XX/XX/XXXX, 516 N. E.2d 1045 ( 3Dist. XX/XX/XXXX ).
Consumer complaint received 2017-03-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MN)

I have been trying to get a loan modification for two years. Wells Fargo asks repeatedly for documents, often copies of documents I 've already sent them. I did n't know they were n't supposed to be able to ask me to fax them the same documents over and over again until I got a XXXX and she told me that. She personally faxed them a bunch of financial documents for me, and now WF tells me they need me to fax them those documents that my XXXX recently sent. I do n't know what 's wrong with WF and their document management system, but they give every appearance of incompetence.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year>2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX **** Balance : {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please 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
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-29
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. (NY)

I have recently reviewed my credit report and found fraudulent accounts that I did not open and do not recognize. These fraudulent accounts have been listed on my credit report. I request the removal of these accounts from my credit report as they are negatively impacting my ability to obtain credit.
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (ID)

To Whom It May Concern, I am the borrower, and I have continued to be subjected to undue stress by the mortgage servicers. First it was XXXX, now it is Ditch. I was approved for a HAFA short sale by the previous servicer, XXXX prior to XX/XX/2016. XXXX, unilaterally serviced released the loan to Ditech, which caused the buyer at the time to cancel the purchase agreement. The new buyer/offer was then submitted to Ditech, and they cancelled the purchase agreement, when it was determined both the septic tank and roof required replacement. Upon further inspection of the property, it has been in fact, determined the septic tank and roof require replacement ; see attached reports. As a result the subject property value continues to decline. Ditech refuses to work with me on a reasonable offer from the new buyer. I have a representative & supervisor who are not cooperative with the agents working on the short sale.
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED.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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to formally dispute the accuracy and completeness of the open date associated with the account : XXXX XXXX XXXX Open Date : XX/XX/2019 I believe the reported open date is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question.

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported open date associated with my account.

2. The provision of complete account-level documentation that verifies the accurate open date in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA. 

Please send me written confirmation of your findings and any corrections made within the required timeframe.
Consumer complaint received 2017-12-29
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION (MA)

On XXXX XXXX, I authorized Navy Federal Credit Union ( XXXX ) to XXXX me a cashier 's check for {$9000.00}, taken from my savings account with them, made out to XXXX XXXX of XXXX, so that I could make a downpayment on a new vehicle. Because of tax issues ( this is a new plug-in hybrid, with expiring federal and dealer cash incentives totaling approximately {$6000.00} ) it was essential that I complete the transaction prior to the end of the calendar year. 
When the money did not arrive this morning ( XXXX XXXX ), I called XXXX to get the tracking number, and I was informed that the check had been mailed by USPS, not XXXX. At first they claimed that I had not requested the check be sent by XXXX, but then they listened to the audiotape of the conversation and discovered it was their fault, not mine. Then they told me that the only choice I had was to accept a cash advance on my credit card, and that they would then XXXX the new check, and then waive the cash advance fees once I returned the check they mailed to me. It is unacceptable that I would be required to take a loan on a credit card to fix XXXX  clerical error. Taking such a cash advance loan could negatively impact my ( perfect ) credit score. It is their error, not mine, so why should I have to incur the risk and trouble? In effect, my funds were made unavailable to me during a time critical need. As a result of XXXX incompetence I was forced to withdraw nearly all the funds available in another bank account in order to complete the auto purchases prior to the end of the calendar year without risking damage to my credit record or the loss of {$9000.00}. As a 40+ year client of XXXX, I am extremely angry at their failure to execute the simplest of transactions and their subsequent failure to take responsibility for same. Their actions reflect negatively on credit unions as a whole.
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. (CA)

I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
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. (TN)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-09-12
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. (TX)

Equifax recently announced a data breach in which my personally identifiable information was obtained by an unknown external party. I am attempting to place credit freezes on my report with all three reporting agencies, and each of these agencies will charge me {$10.00} for this freeze.
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. (GA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
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)

I am disputing XXXX XXXX XXXX account number XXXX. Under the Fair Debt collection Practices Act ( FDCPA ), I have requested purchase agreement validation of the debt they said I owed, numerous times. A requested purchase agreement is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested that your offices provide me with competent evidence that I have any legal obligation to pay, which they have failed multiple after this request. 

In addition to, XXXX XXXX XXXX account # XXXX has violated my federally protected consumer rights to privacy and confidentiality 15 U.S.C 1681 section 602 A. I have the right to privacy.

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. 

At this time, I will also inform you that if you continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, Trans Union ), this action will constitute fraud under both federal and state laws.