davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-10-29
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. (CA)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-31
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 am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit file following a recent data breach that compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to have the following accounts and inquiries removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31
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. (OH)

I wanted to inform all parties that in the last thirty ( 30 ) days I explained in my letter to that, you, as a Federal Reporting Agency has not complied followed FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated.
Consumer complaint received 2023-07-31
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. (AL)

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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, 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 30 days since I filed a complaint with these Bureaus, 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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

To whom it XXXX concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2020-02-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (LA)

I am a XXXX and single  mother of XXXX who did not get a XXXX position this XXXX   year and have found myself unemployed. I have an FHA loan serviced by Specialized Loan Servicing LLC. SLS has refused to process my requests for mortgage assistance for over 4 months repeatedly asking for documents I have already provided multiple times. They are dual tracking my loan ; have already had an attorney send me a letter to commence foreclosure ; are charging me for monthly property inspections ; charged me for a " title expense '' ; and contacted my homeowner 's insurance company to cancel my insurance because of foreclosure all without evaluating my loan for mortgage assistance.

I have thorough documentation of all communication including two audio recordings ( I live in a one party consent state ) with SLS where their automated account system states that my request for mortgage assistance application status is, " pending review. We have received all documentation needed and are currently reviewing the information provided. '' Afterwards, a representative comes on the line to assist me and proceeds to tell me that my application is incomplete and can not be sent for review until I submit more documents that I have already submitted. I have this recording after my first application I submitted on XX/XX/XXXX, and after the second application I submitted on XX/XX/XXXX. Yet SLS still refuses to process my application ( s )  stating both verbally and in writing that they are incomplete. 
Although SLS has told me they do not offer forbearance of any kind and that I will not qualify for any assistance until my application is reviewed and I have found work and can prove income, I know this is untrue. I have more than proved my unemployment status to SLS including a letter from the XXXX XXXX stating my last day of employment, my FHA Unemployment Hardship Letter, months of bank statements, divorce documents showing proof and amount of XXXX XXXXt, and even cancelled XXXX XXXX checks. I know that I should qualify for an FHA unemployment forbearance and/or loan modification. 
I mailed a Debt Validation Demand certified return receipt to both SLS and their attorney of record. 
I realize that I am fighting a war I can not win because SLS is violating every regulatory guideline I have found in addition to their own loan servicing agreements. My children and I are scared that despite my best intentions we are about to be XXXX within the next month. Any assistance you can offer will be most appreciated!
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (AL)

XX/XX/XXXX XXXX i reach out to the company and was told this account was not mines i was giving a number to call XXXX -- XXXX the woman told me that the DL was not of mines and SSn
Consumer complaint received 2023-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (SC)

My mortgage is due on the XXXX of every month and after the XXXX if its not paid I get a phone call, text, voicemail, and email multiple times EVERY day until its paid. Its very annoying and I would like for it to stop.In almost 8 years that Ive had the home I went to 31 days once. Im LATE every month, but not Behind. The financial counselor that has my account is very rude! I have asked him to stop calling and sending me emails every day. I used to get 3 voicemails per day until I deleted my voicemail account. I get emails with personal info in it ( account #, and payment amount ). The behavior is unacceptable for being late! I pay late fees every month. I didnt move the house ; its just LATE!! I get threatened that they cant continue with my loan for being LATE!!
Consumer complaint received 2020-02-06
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: Experian Information Solutions Inc. (CA)

DR XXXX XXXX sold my medical information and violated my HIPPA rights to the company XXXX XXXX XXXX. 

Also Experian is still reporting this information despite a violation of my HIPPA rights. 

None of this debt has been validated.
Consumer complaint received 2023-07-29
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank is misapplying payments and not honoring promotional purchases that have deferred or no interest. Synchrony Bank is charging late fees even when the payment is received before the due date. The screen shot below shows a XXXX XXXX applied XX/XX/XXXX, which is the payment due date. The screen show also shows the payment of {$250.00} was received XX/XX/XXXX, which is 6 days before the due date. 

Synchrony Bank shows incorrect minimum payment amounts on their statements regarding the minimum payment to avoid interest. I have screen shots and statements that show the incorrect calculations and misapplied payments. These statements are not being included due to containing personal information.
Consumer complaint received 2023-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

RE ; LOAN # XXXX - SHELLPOINT please help with shellpoint mortgage, it is now over 90 days that shellpoint keeps adding home insurance to my monthly mortgage payment causing to show in default. 
Shellpoint know my home insurance gets paid thru my home owners association yearly and a copy was provided to them. 

Now shellpoint refuses to remove the insurance that was placed without my authorization and placing my mortgage payment back to the original payment after i provided the supporting documentation to show i have valid. 

Please help me since shellpoint keeps playing games every single year addding insurance to my payment and causing to show behind when i have made all my mortgage payments on time. 

this is really getting out of control.
Consumer complaint received 2020-02-06
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. (GA)

I have made several attempts to dispute fraudulent items with Equifax Credit Reporting agency. The fraudulent accounts and erroneous accounts and inquiries are being disputed for reason of Identity Theft under ( FCRA Section 605b ), yet to no avail. As a victim of a security breach and identity theft I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter. I am requesting that these fraudulent items be removed from my credit file immediately
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (GA)

I recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act. 
This Act states that the only reason to pull an individual 's credit is for the following reasons : XXXX. A firm offer of credit XXXX. Insurance XXXX. Application for employment XXXX. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my FTC form, please do see. 

The following hard inquiries should be removed from my credit file as soon as possible. 
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
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I received alerts to my cell phone about unknown inquiries. I am not liable for them. Please investigate and remove from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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: Bridgecrest Acceptance Corporation (GA)

After reviewing my credits report I noticed a charged off still reporting monthly to the credit bureaus! I never received a 1099c or cancellation of debt.
Consumer complaint received 2023-07-31
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. (MI)

accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

If the validated debt was accurate it wouldve been accurately reporting across all 3 credit bureaus. This is ground for removal they violated my r

ights under 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 : states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-31
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: JPMORGAN CHASE & CO. (CA)

XXXX JPMorgan Chase Credit Card XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : JPMCB CARD # XXXX To Whom It May Concern, I'm writing to you because I noticed that my most recent credit report-contains a late payment reported on XX/XX/XXXX for my JPMCB CARD account. 
I want you to ' know that I understand and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I had a injury and missed the payment. A side from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 
In the near future, I am planning on applying for [ insert something like a mortgage/ auto loan/loan for my daughter 's wedding ], and it has come to my attention that the missed payment on my credit report could hurt my ability to qualify. 
In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to re-paying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 
Have a blessed day! 
Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXXXXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXXXXXX 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 2023-07-31
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2023 and XX/XX/2023 I got a notification on my email saying that I had a three new inquiries added to my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on my trans Union credit report only I then proceeded to call XXXX about this inquiry reported on my credit score but I was told they are not able to do nothing about that so I called the banks which the inquiries reported from and i didn't get the helped I needed. 

1.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
2. 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 2023-07-31
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: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint against Experian, a XXXX XXXX XXXX XXXX, for their failure to respond to my debt validation request within the mandated 30-day period, as required by the Fair Credit Reporting Act ( FCRA ). Experian 's non-compliance has infringed upon my consumer rights and caused significant distress. 

On XX/XX/2023, I sent a debt validation request to Experian concerning inaccurate information on my credit report. As a consumer, I have the right, under the FCRA, to dispute any information I believe to be inaccurate or incomplete. Accordingly, Experian is obligated to conduct a prompt and reasonable investigation into my dispute, ensuring the accuracy of the information they maintain. 

Despite my adherence to the prescribed procedures and providing all necessary information, Experian has failed to acknowledge receipt of my debt validation request or initiate an investigation within the legally mandated 30-day period. This failure to respond is a clear violation of the FCRA and is detrimental to my consumer rights.

By not responding within the allotted time, Experian has denied me the opportunity to correct inaccuracies on my credit report, causing unwarranted harm to my financial standing and overall lifestyle. The inaccurate reporting has adversely affected my ability to secure credit, obtain reasonable interest rates, and pursue various financial opportunities.