davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. 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 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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/year> Here I attach, along with the dispute, my fraud report that I just sent to TRANSUNION for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-10-11
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. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (MD)

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXXat XXXX XXXX Subject : Please Investigate Comenity Bank Retailers card scam To : XXXX Sent from my XXXX Hello my name is XXXX XXXX, I am being scammed by Comenity bank a credit card provider for companies The Childrens place, New York & Co. , Forever 21 and Victoria Secret. My original credit from XXXX was {$500.00} Comenity bank then lowers my limit to {$300.00} and began to charge overage fees along with late fees. I then began to pay close attention to my other cards to find that my limits were also changed on them as well incurring overages and late fees. 
I reached out to the company Comenity bank they stated that they would change my credit limit to its original limits but did not. I reached out to them again and told them I will not summit any payment until my accounts are corrected. Comenity bank credit cards has impacted my credit scores plummeted to a negative status. Im currently paying the price due to the corruption in which has affected me in detrimental way. 
I am now in debt over {$2000.00} due to the company charging overage fees as well as late fees even through COVID-19. The initial credit limits are fluctuating tremendously and the company charges major fees on each of those 4 accounts. They are not willing to correct my account and was nervous when I said I had an attorney, that is the reason Im reaching out to you. Im a XXXX  employee of 18yrs and this company is ruining my credit. PLZ HELP!!!!! 

My name is XXXX XXXX, contact info is ( XXXX ) XXXX XXXX and/or XXXX. Thank you!!
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im confident that I pay on time, so I dont understand why this company is reporting late payments. Under USC 1666b, errors in billing should be corrected, and my account should show as paid as agreed
Consumer complaint received 2024-10-11
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. (SC)

THE FOLLOWING ACCOUNT WAS NOT AUTHORIZED BY ME. THE COMPANY IS UNABLE TO PROVIDE ME PROOF OF MY AUTHORIZATION. THIS ACCOUNT WAS OPENED FRADULENTLY WITHOUT MY KNOWLEDGE OR PERMISSION. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WELL AS THE FTC. PLEASE FOLLOW THE LAW AND REMOVE THE FOLLOWING ITEMS. 
XXXX : XXXX : {$3200.00}
Consumer complaint received 2024-10-11
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. (NC)

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 


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 I will never stop filing complaints against you because I know my rights! In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2024-10-11
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 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 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! 


Delete the late payments from my consumer reports
Consumer complaint received 2020-06-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX. 
Company Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.
Consumer complaint received 2024-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NH)

I began paying my loans back in XXXX and missed no payments until the loan servicer changed and restarted the loans using the original balance in XXXX. The federal student loan website provides data on status of repayment history not the amounts paid. The history provided shows no defaults from XXXX to XXXX. I paid the loans early before I bought my house in XXXX and nothing was reported negatively to the credit reports when I suddenly began getting bills from XXXX in XXXX. I reported that I didn't owe anything and they never reported to the credit bureau that I was delinquent. They still havent reported that I am delinquent it just shows the original balance of the XXXX loans is outstanding. 
I want my complete payment history for the loans reported as outstanding that originated in XXXX and XXXX that i began repaying in XXXX. I know I paid more than the minimum balance for the life of the loans and paid off balances before buying my house in XXXX. 

The original servicer was XXXX XXXX XXXX  then transferred to XXXX and then XXXX and I think now Nelnet.
Consumer complaint received 2024-10-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America is the entity that holds my loan. My home was destroyed in a fire on XX/XX/year> and the insurance proceeds from that ( approximately {$200000.00} ) has been held in their escrow account. Bank of America transferred the Loan servicing to several entities and I ultimately ended up with XXXX XXXX. Due to violations found, errors and delays, a loan modification I had been in took 9 years to modify. XXXX XXXX tampered with inspection documents and falsified inspection information to withhold releasing my rebuild money. While the cost to rebuild significantly increased, I was never given a proper accounting with the interest accrued from the approximately {$200000.00} of insurance proceeds of mine that they have held for over 10 years.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION (WA)

I am XXXX status of approved XXXX and Pending XXXX ( adjustment of status ) with Employment Authorization Document. 

I applied for mortgage loan and explained my XXXX status and ask them to check it even before they run my credit, and they checked it with their underwriter andsaid there is no problem, I sent all my documents and got the pre-approval letter and found a house, after I paid for appraisal and all the other parts of it I got conditional Approval letter from them. As XXXX of the last steps I was supposed to open a checking account to get extra discount on my interest rate and they said they ca n't open the account online and I have to go with higher interest rate. When I said I can fly to a branch ( the closest is in XXXX, CO ) they said that will work. I flew there and submitted all my documents and returned to XXXX. After a couple of days they said not only I ca n't have a checking account with them but also my loan is denied. The reason they gave me is my XXXX status, what they knew from the beginning. They say because I am from XXXX I have to either have a XXXX or have XXXX despite what they told me in he middle of the process that if I am transitioning from XXXX to XXXX I have to have the approval letter of my XXXX ( which I have and provided to them ) along with my Employment authorization Document and a letter from my employer, I provided all of them. 
It is obvious if I had not applied for checking account and had accepted the higher interest rate this had not happened. 
Their XXXX department has made this decision as far as I could understand. 

The excuse they gave me was obvious to them from the start and they just played with me and I feel I am being discriminated based on my national origin which is against the Fair Housing Act. And this whole thing has made lots of punitive damage to me and my family.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

On XXXX/XXXX/2014, I filed CFPB case # XXXX which was a complaint against Ocwen Loan Servicing , LLC . In the resolution of that case, Ocwen promised to reverse a late fee in the amount of {$58.00} and apply the funds into a " suspense account '' to be used in future payments on the account. Over the course of several months, Ocwen applied fraudulent accounting techniques to hide the {$58.00} without ever applying the funds to future payments or otherwise disbursing the money back to me.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Our family has been living at this property for over XXXX years and due to the " not so good economy '' and loss of work, it has become increasingly difficult to keep up with our household bills and mortgage payments. XXXX option was a loan modification but OCWEN has refused to work with us on a loan modification. XXXX I have submitted to OCWEN request for mortgage assistance, HAMP and Keep Your Home California ( Reinstatement Program ) and was denied XXXX times.
Consumer complaint received 2024-10-12
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 2016-04-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NY)

I made an electronic payment for both my XXXX and my wife 's XXXX on XXXX/XXXX/16, so I made XXXX payment on each of the XXXX accounts ( auto loans ). This is not a recurring ( automatic ) payment, it is a one time payment made on each account. The XXXX charges were posted against my checking account on XXXX/XXXX/16. Now, today XXXX/XXXX/16, XXXX identical charges were posted against my checking account. Honda Financial Services, without my authority, duplicated the charges, which has resulted in my checking account being overdrawn. It took me hours to contact them. They informed me it is an error and that I should be receiving a refund. They said it would not be the same day, and could not tell me when I will be issued a refund. When I asked how can you process the payments again without my authority, since I am not on automatic payment, I made a one-time payment on both account, Honda Financial Services did not have a response. I still have no answer as to when I will be issued a refund. The additional payments are not even listed on their website as a pending transaction. This is severely disturbing and should be investigated.
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I received a collection notice from a subservicer of my mortgage company. They said that I do not have documentation regarding hazard insurance and threatened to buy insurance for me. This is in spite of the information having totally transferred over from the previous sub-servicer and the information actually being online.
Consumer complaint received 2024-10-12
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. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On different occasions I have disputed the collection account of XXXX XXXX XXXX XXXX that erroneously appears on my TRANSUNION credit report without having an effective response to the request, and I even made an identity theft report that I also sent but it is observed by TRANSUNION that they did not carry out an efficient investigation to determine that those accounts that appear on my XXXX  XXXX XXXX XXXX credit report do not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other companies XXXX and XXXX and that is why I request that these erroneous accounts that appear in TRANSUNION be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX. This information below is the wrong information shown on TRANSUNION. XXXX XXXX XXXX XXXX Remove from my credit XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX Remove from my credit XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Remove from my credit