davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

My account with 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 XXXX XXXX XXXX. 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 60 days 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.

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 XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$11000.00} XX/XX/year> 15 U.S.C, 1681section 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 may 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT MANAGEMEN Account number : XXXX Account type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
XXXX updated : XX/XX/XXXX XXXX : {$1300.00} 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) ( a ) Reinvestigations of Disputed Information : Upon receiving a dispute, you are required to conduct a reasonable reinvestigation. If the information is found to be inaccurate or unverifiable, you must promptly delete or correct it. The incorrect reporting of these charge-offs fails to meet this requirement.

15 U.S.C. 1681e ( b ) ( Accuracy and Completeness of Information ) This section mandates that information reported to credit agencies must be accurate and complete. The reported charge-offs contain false information regarding the first delinquency, date of opening, last payment, and payment history, which violates this requirement.

15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information ) ( a ) Duty to Report Accurately : Furnishers of information must provide accurate and complete information. The inaccuracies and unverifiable nature of these charge-offs violate this provision as the data reported does not reflect accurate account details. 
15 U.S.C. 1681c ( Information excluded from consumer reports ) This section outlines the types of information that should not be included in a credit report. If the reported charge-offs are unverifiable and inaccurate, they may be in violation of this section.

Due to these violations, I request the following actions : Immediate Removal : Delete the inaccurate and unverifiable charge-offs from my credit report. 
Written Confirmation : Provide written confirmation that these entries have been removed from my report and that my credit file has been updated accordingly. 
Correction of Any Errors : Ensure that all records are accurate and reflect the correct information.
Consumer complaint received 2024-09-25
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (GA)

This is not my account when they called me I asked for as much information on the debt as possible, but they wouldn't provide me with any. 
They kept contacting me via email as well after I stated I wasnt the individual they were looking for. 
I also filed a XXXX.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Be advised this is not a refusal to pay, but notice that the XXXX XXXX XXXX claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt say XXXX XXXX XXXX says I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay XXXX XXXX XXXX. 
Account is XXXX
Consumer complaint received 2024-09-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FISERV INC. (NY)

Dear CFPB, I am writing to reopen my complaint against Clover-Fiserv due to their continuous and unjustified actions against my business over the past nine months. My previous complaint ID was XXXX, which you closed without a resolution. 

The reason for reopening this complaint is that Clover-Fiserv has been repeating the same tactics without providing any resolution. In my previous complaint, Clover-Fiserv requested various documents and data from us, which we already provided eight months ago. After submitting all the required information, we were informed that our funds would be released after 90 days, which ended on XX/XX/year>. 

After the 90-day period, despite numerous attempts to contact Clover-Fiserv via phone and email, we received no meaningful response. When we did get a reply, we were told, " Your funds will never be released for an infinite time period. '' Upon asking for a reason, they simply stated, " No further details provided. '' Now, in response to our CFPB complaint, they are again asking for the same data we already submitted and have created a new case number. This is a repeated tactic they have used to delay and avoid fulfilling their obligations. What does this new case number mean? Are we expected to submit all the information again only to receive the same non-response : " Your funds will never be released ''? 

We started our business, and within just two weeks, Clover-Fiserv ruined our operations by closing our accounts and holding our funds. If they are claiming the funds will never be released, what are they planning to do with our money? They have no right to indefinitely hold or keep our funds. 

We will now take every possible step to expose Clover-Fiserv for their actions. We will publicly share our experience on every platform available and seek legal action to recover our funds and address the financial and mental stress they have caused us.

The data they are asking for now is the same data they requested eight months ago, and I have attached the previous correspondence for your review. Please assess this matter and judge for yourself who is in the right and who is not.

We urgently need your assistance and intervention to resolve this issue and prevent Clover-Fiserv from continuing to abuse their position. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-13
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)

Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my report.
Consumer complaint received 2024-09-13
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2023-03-14
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: SANTANDER HOLDINGS USA, INC. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 


15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER A OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Consumer complaint received 2024-09-13
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. (IL)

My account with ( CREDITOR NAME ) 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.

( CREDITOR NAME ) 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 2024-09-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MI)

I tried to buy XXXX XXXX, XXXX informed me that LexisNexis Reported incorrect information that doubled my insurance premium rate. I requested my Personal LexisNexis Risk Solutions Report Online, Provided LexisNexis with every piece of information they need, then I received some generic letter stating that LexisNexis was unable to authenticate my Identity. If LexisNexis was unable to authenticate my Identity, why did they post and report inaccurate and incorrect information to my consumer report? why did LexisNexis provide XXXX with inaccurate information about me? why did LexisNexis decline to provide me with a copy of my own report to dispute the inaccurate and false XXXX with inaccurate information about me? I provided LexisNexis with everything they asked for : Full Name : including first, middle and last name Current address including zip code Current phone number with area code Full Social Security number Full Date of Birth ( month, day, and XXXX digit year ) and still received the same useless generic letter. 

LexisNexis is in violation of FCRA, and of LexisNexis own policy = ( You have the right to know what is in your file. You XXXX request and obtain all the information about you in the files of a consumer reporting agency ( your " file disclosure '' ). You will be required to provide proper identification, which XXXX include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if : - a person has taken adverse action against you because of information in your credit report ; - you are the victim of identity theft and place a fraud alert in your file ; - your file contains inaccurate information as a result of fraud ; - you are on public assistance ; - you are unemployed but expect to apply for employment within 60 days. 
- In addition, all consumers are entitled to XXXX free disclosure every 12 months upon request from each XXXX credit bureau and from XXXX XXXX consumer reporting agencies.
Consumer complaint received 2024-09-13
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WESTERN UNION COMPANY, THE ()

After a router charger blew up and fried my XXXX, ( last XXXX ) I lost all my passwords and had to set up a new account with Western Union. I use WU to send money to my caregiver in XXXX because the XXXX XXXX XXXX  doesn't accept XXXX debit cards and the local money exchange, XXXX- where Western Union is, doesn't accept XXXX at all. I have used WU successfully for four or five years until I had to change my email / registration and immediately after changing my WU account access, my transactions were blocked and WU said XXXX was responsible for that intervention. 

I don't understand because XXXX and my credit union have a security contract that detects fraud very efficiently. Why is XXXX interfering with my banking? 

I was finally able to speak with a XXXX rep today and they said they only file reports, they don't block access. That's nice, but they were wrong to file a report on my old bank acct and the new bank acct I set up recently trying to work around their stupidity. I never had any problems with sending money for my needs until XXXX intervened. According to their website, they partnered with XXXX, a XXXX financial security organization. There are so many things wrong with this situation. I filed a complaint against XXXX with the XXXX and have asked my US representative for a referral to someone on a banking regulations committee.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was notified a couple of months ago that my credit score had dropped about XXXX points due to an account, on which I had been an authorized user since 1973, being closed, thus my age of accounts took a huge hit. However this account was NOT closed, so where are the bureaus getting this information from? Even XXXX XXXX says that this account is still open. I would like this straightened out, but everyone just wants to throw their hands up.