davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
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. (NV)

I reached out to XXXX XXXX in regards to an item on my credit since 2014. I've contacted them numerous of times and also disputed this item on my credit multiple times in regards to its inaccurate and illegal reporting. Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( c ) Running of reporting period. ( 1 ) In general : The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. This unlawfully being placed on my credit has caused me to lose out on Credit Card opportunities, denied for bank accounts, my credit score tanking, I haven't been able to get a car and the list goes on. I've provided them proof from THEIR website showing my vehicle was paid for so why is it still on my credit? They charged this vehicle off and inaccurately reported my payment history to all XXXX bureaus. I have disputed this with all XXXX bureaus with no resolution just more run arounds. I can provide my payment history showing I received a credit that covered the vehicles balance- their system shows it. They have been making my life a living XXXX for 10 years- that is way past 7 years as stated above. XXXX XXXX is taking advantage of its consumers and purposefully ruining credit worthiness because they get away with ignoring disputes and complaints. It is unlawful! I have attached my payment history- you will see the credits in " ( ) ''.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This complaint is not sent in error, it has been several sleepless nights for me worrying what will happen to me because my credit score got severely affected by these inaccurate and false information in my credit report. I am so stressed out right now that I decided to submit my complaint here. It will be a great help for me once all of the inaccuracies on my report gets corrected/removed.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account withXXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 reported in those account 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, XXXX XXXX XXXX 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 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

It all started at the beginning of the year, some time around XX/XX/2023. I placed an order for a really expensive pair of shoes through the XXXX  app which i have used several times. Everything seemed fine until I noticed the delivery system said my package would arrive a couple days early but that was not the case. I never received the package and the delivery system changed the date for two days out. I was a little annoyed but it was fine I could wait an extra day or two but when the day came I got an email telling me my shoes were delivered but I never found a package at my door. I thought you would have to sign for an expensive pair of shoes valued at over {$2500.00} but I guess not. I contacted XXXX immediately and they told me to wait 3 days and contact them again. So I waited those 3 days and still got nothing and contacted them again which they then requested I fill out an affidavit or file a police report to initiate the claim. I told them I had the right to refuse to fill out an affidavit and police report countless times and they still insisted I fill one out to get my money back. They have held my money for months now unless I file one which sounds totally illegal by the way. I then told XXXX  I will file a dispute with my credit card since they want to hold my money for ransom and they proceeded to tell me they have already filed a claim with the carrier and they will work with my bank to figure this out. ( I thought they needed my to fill out a police report or an affidavit to initiate the claim... are they pocketing the insurance money and my money? ). 3 months later I finally get news that my credit card sided with XXXX  and will not refund me my money. I then requested the documents and evidence from them like the email stated I had a right too and they haven't sent me a single document so far. I made them re-dispute the claim but I have no faith for them doing the right thing.
Consumer complaint received 2024-07-11
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)

My account with XXXX XXXX  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 reported in XX/XX/year>. 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 requir
ed by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

discover bank 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 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, XXXX, Ga. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand that all phone numbers are deleted. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX - XXXX - XXXX Address : XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Sincerely XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address
Consumer complaint received 2024-07-11
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)

My accounts 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 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 desig
ned 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 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing to file a complaint against Capital One regarding a recent issue with my credit card account. 

I have been diagnosed with a XXXX XXXX and have been suffering immensely over the past few months. Despite my best efforts, this illness has significantly impacted my life and emotional state. Recently, I made a payment on the Capital One website, but I was reported late to the credit bureaus. 

This is the first time I have had a late payment, and I am committed to maintaining on-time payments with my account moving forward to avoid any issues. Given my medical condition and the unique challenges it presents,
Consumer complaint received 2024-07-11
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)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 2024-07-11
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. (FL)

Good day, I am asking for help in terms of the inaccuracy being reported on my file. I have requested and insisted the inevstigation and removal of 2 accounts that is listed on the letter I have attached on this complaint. Your help is much needed.
Consumer complaint received 2024-07-11
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. (FL)

ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX XXXX XXXX ACCOUNT XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE PRIVACY. 
15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-07-11
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. (SC)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (UT)

Nationstar Mortgage breached our contract by ( 1 ) making tax payments when no escrow account existed, and ( 2 ) increased the monthly payment when the contract states this can not occur. ( see HUD-1 page XXXX ) Nationstar declined my request to remove the escrow account they applied after more than a year of no escrow ( see XXXX XXXX letter in attached Payment Docs ). 

Nationstar claims I owe them {$6900.00} for a tax payment in XXXX. Their employee XXXX XXXX confirmed my payment was received first and that Nationstar will receive a payment refund for being second payment made. ( see cashed checked in Payment Docs ) Nationstar has not accounted for a {$15000.00} Escrow payment made at closing ( see page XXXX of HUD-1 ). 

Nationstar did make the XXXX Tax Payment of {$6900.00} before me. My check was returned by the state ( see Payment Docs ). This means Nationstar still holds {$8400.00} of my escrow funds ( {$15000.00} - {$6900.00} ). 

Nationstar demonstrates gross accounting negligence with inconsistent monthly payments. Payments XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX {$62000.00} Yes, they billed me $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXThe attached resolution letter was provided by Nationstar to my initial compliant to the CFPB. They closed the dispute as resolved. 

I continue to make the contracted payment of {$1500.00} on-time each month. Nationstar claims I am over 49 days past due and have submitted my name to debt collections. 

In summary, I am seeking a return to no escrow and a {$1500.00} monthly payment as agreed upon in the contract.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 require
d 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 XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 2024-07-11
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. (IL)

On XXXX I submitted a complaint to TransUnion stating numerous unauthorized hard inquiries are being reported on my credit report that I did not authorize. 

TransUnion mailed me a letter on XXXX explaining inquiries on my credit report. See the attached letter as proof. 
TransUnion has ignored and neglected the fact I stated the reported inquiries were unauthorized. 

Note : I disputed the same inquiries with TransUnion on/ around XX/XX/XXXX in which TransUnion ignored the request and mailed me a letter dated, XX/XX/XXXX ( attached as proof ) TransUnion is in violation of the law and I am requesting immediate action be taken. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( c ) ( 1 ) ( B ), you are required to have a permissible purpose for accessing my credit information. Therefore, I request that you provide documentation verifying that I authorized each of these inquiries. 

If you are unable to provide proof of my authorization, I kindly request that these unauthorized inquiries be removed from my credit report immediately to correct this discrepancy as per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which obligates credit reporting agencies to investigate disputed information and correct any inaccuracies I am writing to dispute the following hard inquiries listed on my credit report, as I do not recall authorizing them. These inquiries are negatively impacting my credit score, and I request that you provide permissible proof for each inquiry or remove them from my credit report promptly. 

The inquiries in question are : XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX