davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account with 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.

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 2021-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On Friday XX/XX/2020 I electronically deposited my payroll check of {$540.00} and a birthday check of {$30.00} through my Chase bank app. Both checks were then voided, I got approval for the funds. On XX/XX/2020 I received an alert from chase showing a withdrawal for {$540.00} under Memo. In a panic I called chase to see what it was. After hours of waiting I was Informed that my payroll check had been deposited twice. Not knowing what they were talking about I asked how that was possible only to be told it had been reviewed. The Chase representative said that the second depositor had rights to my money and there was nothing that could be done. I was dumbfounded by what he said. After getting no help I went to my parents who are my employer. They wrote my check as they do every week. We went to their bank XXXX XX/XX/XXXX to investigate. XXXX pulled up their account history and the check history. My check cleared one time on XX/XX/2020 and they printed out the check image showing ( for deposit only JPMC ) endorsed by myself. There was no other history or documentation of the check being deposited twice or ran twice. The branch manager then got on the phone with me to call Chase. We were on the phone for six hours, only to be told that I had to go to a chase branch to get any information. The following day I went to my chase brach. A representative and the manager provided me with the exact same picture that XXXX provided me with. It said clear as day ( for deposit only JPMC ) endorsed to me. The chase branch had no record of what the representatives on the Chase line said about a second deposit. I gave chase everything that XXXX gave me. A copy of my parents account showing the check clearing on XX/XX/2020. A copy of both checks that I had in hand with me. A signed copy of the check being cleared to me by XXXX. Multiple fraud reports were filed. 
Not once during their investigation was I contacted or informed about anything. The money was taken from my account with out warning. I have lost multiple days at work doing Chases job. The last communication Ive had with the Chase branch, they filed a report with their escalations department. The representative with the escalation department closed my case without talking to me stating in a email it was resolved. My case with Chase is not resolved, I still have not received any evidence or documentation of their findings. Im going to fight this until my money is returned to me. 
I have all of the pictures and would be happy to send them when contacted.
Consumer complaint received 2024-10-17
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. (WI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2022-10-29
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: EQUIFAX, INC. (TN)

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. 

XXXX XXXX, Account # unknown has violated my rights TN Child Support, Account # XXXX has violated my rights 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 2024-10-16
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. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-16
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. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: LD Holdings Group, LLC (FL)

I obtained a loan with loan depot in XXXX. On the day of closing, the account manager decided to change the terms/ figures on the closing disclosure. He also purposely did not provide information in my pursuit of the first time home buyer program which caused me to miss out on the benefits, although I was qualified. He also gave me a rate on my loan that was more than offered, even with good credit and more than sufficient income and moderate debt to income ratio. On the day of my closing, the closure agreement was changed and the amount agreed upon was not included on the final agreement. 
In XX/XX/XXXX, I decided to refinance and specifically asked not be transferred to the same office as was in XXXX. I was transferred to the loan officer XXXX XXXX who initiated the process and later to the account manager, XXXX. 
As it pertains to the closing, I am forced to report these concerns due to the trend I have personally experienced with loan depot. 
On the day of my closing, the title company was present to finalize the refinancing. However, we were unable to proceed due to errors and incorrect final numbers. This is after, loan depot completed and emailed over 15 different closure agreements. I was so confused and still confused about the efficacy and honesty of the documents presented by loan depot. I have grave concerns with the misrepresentation of my initial XXXX  and XXXX closures. Even after the closure in XXXX, I continued to receive emails regarding discrepancies. 
To address my concerns, I have made numerous contacts to customer service, XXXX XXXX, XXXX XXXX, XXXX XXXX, to name a few. After speaking with XXXX XXXX, he offered to send {$500.00} for the experience ; however, this did not occur. Prior to closure, I was also informed by all of the parties above that I would also skip a payment ; but that did not happen. Upon closure, they have all ignored my concerns and refused to fulfill the promises made, no further follow through. This company has Poor business practices and I am concerned that it is being to a particular demographic like myself. On XXXX, I was informed that my loan will be serviced by another company, not by email or mail, but only by me checking my escort online. 
In conclusion, I believe that this company should be investigated for their misleading and unethical practices. I need a full review of my loans that were serviced from XXXX  to current with loan depot.
Consumer complaint received 2024-10-16
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. (RI)

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 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (TX)

15 U.S. 1681C-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONCUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THATRESULTED FROM AN ALLEGED IDENTITY HEFT, NOT LATER THAN 4 NUSINESS DAYS AFTER THE DATE OF RECEIPT. IT HAS BEEN 30 DAYS AND YOU ARE IN VIOLATION OF THIS LAW BECAUSE I AM A VICTIM OF IDENTITY THEFT!!! PLEASE DELETE THESE ITEMS IMMEDIATELY. THESE ACCOUNTS SHOULD NOT BE FURNISHED ON MY CONSUMER REPORT AS THEY ARE IN VIOLATION!!! UNDER, 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS { A } IN GENERAL SUBJECT TO SUBSECTION C ANY CONCUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER. 2 IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES. I NEVER GAVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. AS A CONSUMER I AM DEMANDING THE DELETION OF THE ACCOUNT LISTED IMMEDIATELY.
Consumer complaint received 2024-10-17
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Experian / XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number : XXXX XXXX/ XXXX
Consumer complaint received 2024-10-16
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. (CO)

This company is engaging in securities fraud by unlawfully using my identity to extort me, and they have falsely reported a charge-off on my account. Under IRS regulations, specifically 26 U.S. Code 61 ( a ) ( 12 ), a charge-off or cancellation of debt ( COD ) is considered taxable income. The IRS requires that any forgiven debt over {$600.00} be reported as income using Form 1099-C, " Cancellation of Debt, '' unless certain exemptions apply. By misreporting this charge-off as merely a negative credit item without acknowledging the income implications, the company is violating both IRS tax reporting requirements and SEC regulations governing financial disclosures under Section 10 ( b ) of the Securities Exchange Act of 1934 and Rule 10b-5, which prohibits fraudulent financial misrepresentations. Given these violations, the charge-off must be deleted from my credit report, as it inaccurately reflects the financial transaction and misrepresents taxable income.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Back in XX/XX/2019, I reviewed my person credit report because I wanted to know if I could qualify for Home Equity loan. This is my first time that I took my time to review every accounts on my credit report. I used to let bank or lenders to just run my credit report and notify me the result, so I did not exactly know what was in my credit report. 
After the careful review, I come to realize that there are several credit card accounts and one personal loan account that I did not make. I am very certain that I have never given my family members or friends to obtain these loans for myself. I have concluded that I am a victim of an identity theft. 
I reported this issue to Federal Trade Commission and to the police department already and filed identity theft reports. 
Also, the problem was reported to all three credit bureaus. Most accounts that were involved with the crime were removed successfully from my credit report, but Bank of America and XXXX from XXXX XXXX are still being reported on my credit report. 
I have reported these accounts to be fraudulent directly to the credit bureaus and to the creditors. All parties are ignoring my statement and two official identity theft report and continuing to post these fraudulent accounts. 
I have made proper request to validate these accounts by creditors or the credit reporting agencies to provide me with the following documents. 
A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account I have never received any of these requested documents. 
The creditors are attempting to collect the debt that they can not and will not verify and validate. This is a clear violation of FDCPA and FCRA. 


BANK OF AMERICA - XXXX BANK OF AMERICA - XXXX XXXX XXXX XXXX  - XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-17
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. (AZ)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-10-17
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. (NV)

Subject : Dispute of Inaccurate Reporting Violation of FCRA 623 ( a ) ( 3 ) and UCC To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX regarding the account listed below. I believe that this account is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). 

Account Information : - Creditor : XXXX XXXX - Open Date : XX/XX/year> - Amount : {$410.00} According to the letter I received from XXXX XXXX ( attached for your reference ), this account was returned to the original creditors. As such, it should be deleted from my credit file. Furthermore, the account is not accurately reflecting the payment status. It is imperative that credit reporting agencies report accurate information, including the status of accounts as paid less if that is the case. 

The failure to report this information accurately constitutes a violation of the FCRA, specifically Section 623 ( a ) ( 3 ), which requires furnishers of information to provide accurate and complete information to credit reporting agencies. The inaccurate reporting of this account has negatively impacted my credit report and, consequently, my credit score.

Given these facts, I demand that you investigate this matter and remove the account from all credit files with your agency. Please confirm receipt of this dispute and provide me with the results of your investigation in writing. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Attachments : 1. Letter from XXXX XXXX