davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
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. (IL)

I looked at my credit report back on XX/XX/XXXX, and notice some things are in complete and not accurate. And according to the fair credit reporting act whenever a consumer reported agency prepares a customer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information considering the individual about whom the report relates. This account XXXX XXXX # XXXX is not complete and accurate. 
XXXX more thing according to 15 USC 1681 s-2 ( 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 2024-11-06
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)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2024-11-06
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 2024-11-06
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. (TX)

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 2020-11-24
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: CBC Companies, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XX/XX/XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available tome for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : XXXX XXXX ; XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXX/XX/XXXX, XXXXXX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX All other addresses are notaccurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX This is my only number XXXX All other telephone numbers are notaccurate. Please REMOVE/DELETE any additional phones numbers.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I am a Citi XXXX card holder. My account info was stolen by some scammer. Fraudulent charges first appeared on XX/XX/2023. I called both the general customer service and the fraud department right away. They couldn't verify my information over the phone and said a letter would be mailed to my address. They told me that there's a temporary hold put on my account so no one would have access to it. On XX/XX/XXXX, XXXX more fraudulent charge appeared. I called again. Same sayings. On XX/XX/XXXX, I used my physical card at a coffee shop to test. It went through, so my card is not put on hold as they said. I called again. Same sayings all the time. Now there's XXXX more fraudulent charge on my account. I can wait for the letter, but during this time period how can the scammer can keep my account? The reps told me several time that it's blocked but in fact it's not! NOT AT ALL! Some transactions can still go through. This is outrageous! I need an explanation NOW. I don't understand how can Citi puts its customer under such a devastating situation.
Consumer complaint received 2024-11-06
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. (MD)

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 2024-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (PA)

My name is XXXX XXXX please add this new issue complaint to XXXX XXXX I need claim number XXXX transaction date XXXX transaction name is XXXX XXXX XXXX sent on amount is {$200.00} I need to appeal this denied claim number for {$200.00} claim number is XXXX because I disagree with the decision because I never received the service for it and I contact XXXX to see if they can help me get my money back but they say I will have to contact my bank to dispute it etc. 
When you yall appeal the decision to have them reopen the claim to investigate again it tell them this to put credit reserved on hold for XXXX tell them don't take it out of account on XXXX put it on hold until the investigation is done and for the dispute claim type it was disputed wrong it was supposed be disputed as never received service not dispute as Different service But when I called back in the same day after I file it to confirm the dispute type the lady agent told me it was filed as different service not service not received and I told her I told the last agent to dispute it as service not received and she told me she will note down on my account and dispute claim history comment as a statement I called in saying it was supposed to be for service not received etc I want y'all to reopen the dispute claim and investigate it again or reinvestigate it again and change the dispute type to service not received and appeal it etc.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax credit reporting agency for violations of the Fair Credit Reporting Act ( FCRA ) and other consumer laws. Specifically, Equifax has failed to report my personal and account information with accuracy and fairness, in violation of 15 U.S.C. 1681e ( b ). Additionally, Equifax has violated my privacy rights by allowing promotional and account review inquiries to my account without my explicit written or oral consent, in violation of 15 U.S.C. 1681a ( d ).

These violations have hindered my ability to utilize the banking system fairly and have stifled my financial success. I request that Equifax be held accountable for these violations and that immediate action be taken to correct the inaccuracies in my credit report. In particular, I request that Equifax correct the following inaccuracies in my credit report : Inaccurate credit card usage Incorrect number of collections accounts Incorrect number of accounts 60 days late or more with a derogatory indicator Incorrect number of accounts with missed payments or derogatory indicator Incorrect ratio of revolving balances to my credit limits I would like to cite the following legal citations violated by Equifax in support of my complaint : FCRA, 15 U.S.C. 1681a ( d ), which places the burden of proof on the credit reporting agency to provide the most accurate information.

FCRA, 15 U.S.C. 1681i, which affords consumers the right to dispute inaccurate or incomplete information in their credit reports.

FCRA, 15 U.S.C. 1681a ( e ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

As a result of these violations, I am requesting the following actions from Equifax an immediate update to the score factors in my credit report to reflect the accuracy of the report, as required by law.

I request that Equifax delete multiple outdated repetitive addresses reported in my credit report ( some XXXX - XXXX XXXX XXXX ) and only indicate my current legal address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). Additionally, I request the immediate deletion of all unauthorized promotional inquiries, account review inquiries, and any third-party supplemental information that violates my privacy rights. 

I also request that Equifax comply with the FCRA, which affords consumers the right to dispute inaccurate or incomplete information in their credit reports. Pursuant to 15 U.S.C. 1681a ( d ), the burden of proof is on the credit reporting agency to provide the most accurate information. Therefore, I request the immediate deletion of all information that violates my privacy and the accuracy of the information in my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-16
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. (IL)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



Bankruptcy XXXX XXXXXXXX Reference # : XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Request for Removal of Inaccurate Address Information Dear XXXX, I am writing to formally request the removal of inaccurate address information from my credit report. Upon reviewing my credit report, I have identified addresses that I am not associated with, which I believe is adversely affecting my credit history and score. 

The following addresses listed on my credit report are inaccurate and should be removed : XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX ) XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX have never resided at, nor have I conducted any financial or legal transactions associated with the above-mentioned address ( es ). Their presence on my credit report is erroneous and may be contributing to incorrect assumptions about my credit history. 

For your reference, I have enclosed the following documents to verify my current address and to support the removal of the inaccurate address information : A copy of my government-issued ID drivers license showing my current address. 

And My vehicle registration confirming my current address. 

I kindly request that these unassociated addresses be investigated and removed from my credit report as soon as possible. The rectification of my personal information on my credit report is crucial for maintaining the accuracy and integrity of my credit history. 

Please inform me in writing once these changes have been made, and provide me with an updated copy of my credit report. I appreciate your prompt attention to this matter and look forward to seeing the necessary corrections made. 

Thank you for your cooperation and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

I am a senior citizen who believes that I am a victim of Predatory Lending. Please note that JP Morgan is the owner of my loan/note and not XXXX XXXX XXXX XXXX XXXX XXXX. In my opinion, XXXX is a call center operation hired by JP Morgan to collect all payments and administer the terms of the note and security instrument. I received a letter from XXXX dated XX/XX/2020 congratulating me on qualifying for a JP Morgan Trial Modification. The Interest Rate of the proposed modification : 2.87500 % ; Amortization Term of the proposed modification:480 months ( A 40 year Mortgage ) ; A proposed trail monthly payment of {$880.00} for 3 consecutive months. I am currently paying {$1700.00} monthly. I have approximately 180 months ( 15 years ) or less remaining on my current loan with JP Morgan. At my current age of XXXX, I do not want to take on a 40 year mortgage.
Consumer complaint received 2020-11-25
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. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. THIS IS THE 4th TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is XXXX XXXX. Please delete the following fraudulent addresses from my credit file:XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX. The following phone numbers are not PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Information belongs to someone else mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I have an unverified account from the following companies : XX/XX/XXXXXXXX XX/XX/XXXX # XXXX, XX/XX/XXXX# XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX# XXXX, XX/XX/XXXX XX/XX/XXXX# XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XX/XX/XXXX# XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.
Consumer complaint received 2024-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (PA)

Right path servicing is my mortgage servicer. I had a loan modification approved, signed and finalized with an approved finalized partial claim. I have an FHA mortgage and it was approved and finalized in the beginning of XXXX. We sent back all required documents in time signed notarized check by my HUD Lawyer family member everything was correct, right path servicing confirm that everything was signed finalized and approved. The first payment was made in XXXX as long it was made in XXXX it was OK and the first payment was the start of a new loan modification upon completing that which it was paid on XX/XX/2023 it was Sent out at that time because the loan servicer had a customer computer breach and told me dont send any payments now a month or so later they approved me for a second one after the reversing the original and raise my payment {$500.00} that is them breaching the contract. I need them to honor their contract, I will not sign since one was already finalized. Thank you.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-04-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (FL)

I have a savings account with Credit Karma. I deposited {$3000.00} from a XXXX XXXX XXXX account. I then changed my linked account to a XXXX XXXX savings account. I was informed this account was nontransferable. 
Ive been trying to switch it back to my XXXX XXXX XXXX account to take the {$3000.00} out, but the app will not let me connect a new account. It says there is an error on Credit Karmas side. 
Ive contacted them. They said Ill hear from a specialized team, yet I have not. 
Ive tried two different banks, both checking and savings, on data and wifi, on a phone and a computer. I tried to link a new account manually using the account and routing number as Credit Karma suggested. Every time I get the same message.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

XXXX XXXX Wells Fargo opened up 3 accounts under my name without my knowledge or authorization! account # XXXX / # XXXX / # XXXX! on XX/XX/XXXX i filed a complaint about 3 other accounts with the same action done to them. On XX/XX/XXXX letter came on the subject ; Mediation option available to me. On XX/XX/XXXX Wells Fargo sent me letter stating they conducted a review of unauthorized accounts they apologize and enclosed a {$85.00} check! They stated you may have or will receive a notification about class action settlement related to the opening of unauthorized accounts. Go to WFSettlement, com by XX/XX/XXXX! Checking it out my name was on list and told me {$85.00} check was standard for anyone who filed complaint on this crime! Here to find out someone removed my name from list and i found this out from the Office of the Controller of the Currency addressing the banks sales practices! On XX/XX/XXXX Wells Fargo wants to ensure you are satisfied with how your complaint was resolved! Im victimized again. Wells Fargo doesnt care about me! If the table was the other way around i be headed to jail Wells Fargo would make sure that happen!
Consumer complaint received 2024-01-05
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. (MA)

collection account number : XXXX balance amount : {$350.00} XXXX  XXXX account number : XXXX opened : XXXX XXXX balance amount : {$390.00} XXXX XXXX XXXX account number : XXXX opened : XXXX XXXX balance amount : {$440.00} XXXX  XXXX account number : XXXX opened : XXXX XXXX balanced amount : {$330.00} XXXX XXXX  XXXX account number : XXXX balance amount : {$380.00} opened : XXXX XXXX XXXX account number : XXXX opened : XXXX XXXX balance amount : {$990.00} XXXX XXXX account number : XXXX balance amount : {$350.00} opened : XX/XX/XXXX 15 U.S.C 1681Q, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
Under 15 USC 1681B, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.