davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im writing to address several inaccurate items on my credit report that are currently involved in pending litigation due to reporting errors. Because of the ongoing legal proceedings, these items can not be properly verified. According to 15 U.S. Code 1681i ( a ), unverifiable information must be removed from my report.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I lost my job in XXXX I called Nationstar to tell them. They said to make payments when I could. I was unable to. I had a problem getting unemployment & assistance. In XXXX XXXX I got full time & called to tell them I had received full time & would be able to make payments regularly again. I later learned it was the day after I called, they foreclosed on me. But, unaware at first of my foreclosure status we discussed a loan modification. It took them from XXXX to finally sort out & finally accept my paperwork making me redo & resend documents several times. Made a payment in XXXX XXXX ( got sent back 3 weeks later ). XXXX XXXX XXXX payment, they kept that. When I went to pay XXXX I was unable to. I was told my modification packet had expired. Needed a new XXXX every 90 days. In XXXX I spoke to a law firm that said it was up to me weather or not to pay them. That I could wait til I 'm served & they would handle it from there. On XXXX I sent in a modification packet, I called on XXXX to check in the status I was told at that time my home was to be sold at auction on XXXX. I was told all through out this time there was nothing to worry about, no sale date, I was even told by XXXX representative to go ahead & put a new roof on my house ( I did not do that ). I called the courthouse I was told they tried serving me but they did an avoidance waiver on me. Apparently, I 'm not allowed to work. I was then informed the man I bought my house from 15 years ago & have n't spoken to since was served. When I asked why he was served no one could answer that question for me. I still do n't know why til this day. So, the court went ahead because according to them someone involved in the case had been served even though no one had. I was sent a letter dated the XXXX from Nationstar saying if they had received my packet 15 days prior to the sale date they could have helped me ... they received it 14 days. Since then I have not received an eviction notice, but the new owners have started renovations on the home with some of my property still in it. I lived in that home for 15 years & paid on time until I lost my job. I am lucky to have a place to go with my XXXX yr old daughter, many are not quite so fortunate.
Consumer complaint received 2024-11-19
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)

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 2024-11-19
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. (PA)

This morning, I came across unauthorized inquiries on my credit report that were completely unexpected. As part of my routine credit report check, I found discrepancies that werent there before. I refreshed my browser, thinking it might be a technical error, but nothing changed. I am requesting immediate attention to the documents Ive provided so that I can rest assured this issue will not happen again.
Consumer complaint received 2024-11-19
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)

Finding inaccurate accounts on my credit report this morning was completely unexpected and alarming. Im used to reviewing my credit report without issues, but today there were errors that I cant explain. Even after refreshing my browser, the errors persisted, which was frustrating. I need the documents Ive submitted to be carefully reviewed so that I dont have to face this kind of stress again.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX - XX/XX/XXXX - CLOSED ACCOUNT. Opened XX/XX/XXXX - Today, I contacted the number for XXXX XXXX from my Experian credit report. I was told that the account is currently in collections for the balance, although it reports Paid/Closed. I was advised that I should contact the bureau regarding how they are reporting the account. I informed XXXXXXXX XXXX that the claim was filed with the CPFB. They stated that they notified the store of where the merchandise was purchased. They stated they would send the update to the credit bureau. They provided email on where to send screenshots of how it was reporting in my credit. I spoke to the manager, XXXX. I requested the email of the CEO and they did not have it. They stated that they only report to Experian and XXXX. They werent sure on how XXXX reported when they dont report to XXXX . I disputed to the credit bureau in the past and was advised that the update was accurate information, although it is an inaccurate. For Experian, the reinvestigation information was unchanged and the Dispute Took place XX/XX/XXXX. XXXX has been disputed in XXXX, XXXX, and XXXX with no result or update.
Consumer complaint received 2024-11-19
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. (MI)

XXXXXXXX XXXX  Date of inquiry : XXXXXXXX  does not have a permissible purpose. This company has no legitimate business reason because I do not have a contract, nor have I ever done business with this company. And as per the Fair Credit Reporting Act, for anyone to furnish information on my consumer report a permissible purpose must be given. I have not ever given any of this company permission to report anything, nor have I had any contractual or business obligation with this company. They have used and possessed my information without my knowledge or approval. 15 U.S. Code 1681b
Consumer complaint received 2015-11-04
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My soon to be ex-husband about XXXX or XX/XX/XXXX not exactly sure exactly. It was right before his incarceration XXXX for defrauding the government of federal funds. He confessed that he was afraid of getting in more trouble for he had been withdrawing his deceased mothers Social Security benefits direct deposits into her Bank Of America account, and withdraw the money from our joint bank account or transfered the money to cover the stolen social Security benifits also Bank of America. Date of XXXX : XXXX to XXXX XXXX. Bank location XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. About XXXX through her ATM card. In the equalization of marital assets he has failed to comply with court on mandatory disclosure ive exhausted all ky marital assets in persuit of my half to pay back social security. I would so grateful to Consumer Finance in investigating this matter. I tried several times to get proof and to no avail. I first called Office of Attorney General, Federal Trade Commission got police reports from both XXXX and XXXX police and absolutely nothing. I just called XXXX last week again and was able to extract some useful information and was given your website and also your phone number. I really feel confident now that I am at least getting closer to a resolution. Thank you for your time. 
would need a subpoena to open and get statements to substantiate my claim.
Consumer complaint received 2016-01-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION (FL)

I received a letter from CACH , LLC regarding a debt I never had any business relationship with CACH , LLC. I wrote a ( certified letter ) requesting verification of the debt. CACH , LLC. did not respond ; instead CACH , LLC. proceeded with legal action against me. I want CACH , LLC to verify the debt as allowed under the credit act law.
Consumer complaint received 2016-09-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Information Bureau, Inc. (UT)

I called CIB credit collections for the doctors business bureau. I got hung up on the first 3 calls by a XXXX XXXX. I finally found a different number online to call. I was told by XXXX there was no supervisor available, then when I called another number I got a supervisor who kept asking if I had the call on speakerphone letting me know that she wanted to not be on speakerphone. I advised her that if she had something to say she could say it no matter what the phone was on. She seemed irritated and did n't like that. She stated they had been mailing requests for payment to an address I have n't had for years. This is on my credit, and I have n't even received proof of debt. I also refused to give my card number over the telephone due to not being sure it 's even a legitimate business. She did n't have anything to verify their legitimacy other than " well we are on your credit report ''. I now owe {$28.00} to a company that I ca n't reach 4 out of 5 times and I ca n't get verification is even legitimate. I feel like this is deceitful and fruadulent.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

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 2024-11-19
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. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2015-10-14
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (FL)

Starting XXXX XXXX, 2015 RUSHCARD prepaid services notified me saying they are updating the rushcard system from XXXX so that means no access to my funds. After XXXX XXXX XXXX I got a text messages stating that rushcard extended the maintenance until XXXX. I tried using my rushcard at the ATM that night and the ATM did not recognize my card. I called rushcard the next morning and the customer service representative could n't tell when I can use my funds again. I 'm nervous about the situation because I can lose my money I work hard for. I 'm so depressed I ca n't my bills that upcoming I do n't know what to do? It 's been three long days without my money. If you search rushcard on XXXX alot of people are suffering without their funds. I feel like XXXX XXXX does not care and his company is not telling customers the truth about what HAPPENED to our money. Please help meSincerely, XXXX XXXX
Consumer complaint received 2015-06-16
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Asset Recovery Group, Inc. (WA)

The choice I chose above best describes what happened, but there is so much more. They threatened to take us to court and sue, threatened to damage our ( both my wife and I 's ) credit score as much as possible and garnish both My wife and I 's employment checks until debt was settled. We also can not confirm this, but we think there have been attempts by XXXX to contact us through our employers. We want to work with them and pay it off as we did n't even know that this medical bill existed until he called. That is nobody 's fault except ours, and we know this. We will fix it, but he is being very forceful and very abusive in his calls. The agent 's name was XXXX with Asset Systems. 

After this conversation with XXXX, my wife called me crying. So, I called him to ask for the name of the company he was with, He immediately went to " Do you want to speak to my supervisor? '' I said no, I just need the name and address of your Company please, which he provided. I wanted to report them for this abusive call and their tactics of trying to collect a {$600.00} debt. We my wife called them back during her lunch break today and to settle on a payment plan, but now I feel I need to take action against them for this type of behavior.
Consumer complaint received 2024-11-19
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. (HI)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX | XX/XX/year> : These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NC)

PNC bank has failed to protect me as a customer someone hacked my account and made several unauthorized XXXX XXXX  transactions many of times I try to dispute this but the claim always get denied. 1st dispute I filled it out under the wrong dispute reason. When I tried to appeal it did not work out for me. I tried many times enough is enough. PNC is violating federal rules and failed to libe up to its " Zero liability '' protection policy. In addition I run my own business, have a family of XXXX children I cant afford to lose any funds stolen from me. I nees my funds returned to my account ending in XXXX ASAP
Consumer complaint received 2024-11-19
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. (PA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized reporting to my credit report. These remarks have been detrimental to my life and credit
Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: COMMERCE BANK (KS)

This complaint is regarding Commerce Bank. I am a joint owner on my daughter 's student checking account. She transferred money through their mobile banking app at approx. XXXX on XXXX XXXX. It raised her " available balance '' by that amount. She then made XXXX debit card purchases online. Since it was after XXXX, the transfer was n't credited to her account until the next day, however, the debit card transactions that had been authorized but had not " hard posted '' counted against her immediately and they charged her {$10.00} to transfer the money from her savings account for " OD protection ''. When I called they told me had she not had OD protection she would have been charged XXXX overdraft charges. It seems unfair and deceptive for them to increase her available balance and make her think she can use her debit card and then charge her either an OD fee or an OD protection fee for subsequent transactions that are made using those funds.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX, I requested a refund check for an overpayment from American Express. I was told it would take 7-10 days to get to me, which was acceptable. On XXXX, I still did not have my check and it was outside of the timeframe I was promised, so I called American Express directly to inquire. The representative I spoke with was very helpful and courteous and offered to have a new check overnighted to my address, but we both decided against that as he thought I might still get the check in the next 2 days. XXXX rolls around with no check in the mail, so I call and ask for a new one to be overnighted. I was told that could not happen and it would be mailed, with the same 7-10 day turnaround time. That was not acceptable to me, so I escalated the call to a supervisor, who told me he would get it overnighted, to be received on XXXX, XXXX rolls around and still no new check! I have the old XXXX now, of course, but that was cancelled so it does nothing for me. I am at a loss of words now because I need this money to pay my other bills, but American Express is not doing anything to help me! This is my money, all I want is to get the money that is owed to me!