davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH capital 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 ( 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. 


( 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 2024-07-24
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. (TN)

XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> I am kindly requesting that all of these inquiries be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of these creditors.
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Today is XX/XX/23 I have spoken to a total of 10 people. I have an invalid 60 day delinquent reporting on my Credit report and a high amount Mortgage. I do not have any delinquent accounts, nor do I have a mortgage as I have lived in the same apartment for 16 years. Experian has transferred me back and forth between Memberships and the Dispute Department all of which claim they can not assist me. I also spoke to a supervisor who advised me to call FICO, who told me that don't know why I was told to call them as they could not assist me either. I am VERY frustrated and at a lost. I only want to remove invalid information from my credit report and have received NO help in doing so from the company that is reporting invalid information.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I paid two capital one credit cards in full ( one nearly {$6000.00} and one nearly {$8000.00} ). I checked my balance the next day expecting to see a 0 balance on both cards. Instead, the very day I paid my bills in full, Capital One charged me over {$100.00} in interest on each card. Im hoping you can help. I dont see how people can ever get out of credit card debt when they pay bills in full and credit card companies like capital one charge more interest/fees.
Consumer complaint received 2024-07-24
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-24
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. (CO)

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.

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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon careful examination of my recent credit report, I have identified discrepancies that warrant urgent attention. The company has acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the account after the company recognized the inaccuracy of the account. I kindly request a comprehensive investigation into this account and expeditious communication of the findings via postal mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I anticipate receiving your response within this specified time-frame. 

XXXX XXXX
Consumer complaint received 2024-07-24
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. (NV)

I recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous account on, y credit report that were not open by me. this has been hurting me as i am in the process of buying a home for my family. please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The errors on my credit report is a defamation of my character, and a clear violation of my rights as a consumer. I value my credit a lot but with these inaccuracies, it is quite impossible for me to achieve financial freedom and this has affected my opportunities and my mental health negatively.
Consumer complaint received 2024-07-23
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. (TX)

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. 

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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-24
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. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXX/XX/year>
Consumer complaint received 2023-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC (HI)

Upon reviewing my credit report, I have identified inaccuracies related to this account. I wish to bring to your attention that you bank, XXXX XXXX, has acknowledged an error in recording the payment for this account and agreed to update and remove the late payment dates and negative status associated with it. I kindly request your prompt attention to this matter and ask that you initiate an investigation into the reported inaccuracies. It is crucial to reflect the corrected information on my credit report to ensure its accuracy and completeness. Account : XXXX  - XXXX XXXX  XXXX Open Date : XX/XX/2019 Balance : {$140.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Webster who has been the bank of my company for over 20 years decided to merge. After their merger they changed their banking site and now I am unable to download my company information in XXXX. 

This bank has sent information and it doesn't work. They have been contacted over XXXX times about this problem between phone calls emails, messages in their site, visits to teh branch. My business has wasted hours upon hours. 

The bank has been sending apology messages and information manual on how to make thie change. It doesn't work. This has been communicated many times to tehir staff. 

A very nasty woman called me after I mader complaints and she indicated that she had no idea when it would be fixed and that it wasn't a priority for Webster. Her attitude was it was my problem and I should go to XXXX to fix te problem they created. If she was my employee I woudl fire her. 

You will see from the copies of their messages that their issue is not a priority and so far we are getting a lot of lip service
Consumer complaint received 2024-07-24
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. (GA)

I requested the removal of these inaccurate accounts as soon as possible because I have no idea why these inaccurate accounts are reporting on my credit report. I want you to kindly check the documents I've sent.
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TD Bank regarding their refusal to credit the funds for six fraudulent transactions made on my XXXX account. The details of these transactions are as follows : * XX/XX/2023 : {$95.00} * XX/XX/2023 : {$56.00} * XX/XX/2023 : {$79.00} * XX/XX/2023 : {$51.00} * XX/XX/2023 : {$170.00} * XX/XX/2023 : {$18.00} To support my claim, I have attached a crucial piece of evidence : a screenshot of an email from XXXX, confirming the detection of unusual payment activity on my account. XXXX temporarily placed my account on hold on XX/XX/2023, as they were unable to verify the ownership of my payment method. 

I am seeking the prompt resolution of this matter and request the reimbursement of the funds for the aforementioned fraudulent transactions. 

I trust the Consumer Financial Protection Bureau to handle this complaint diligently, and I really appreciate your attention to this issue. 

Thank you very much for your prompt assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (SC)

NewRez LLC has sent us two notices stating that they have not received a copy of the proof of insurance provided by our HOA. However, we have sent this to them repeatedly via online portal, mail, and fax. They still refuse to acknowledge the receipt of this proof of insurance and will now open an insurance account in our name and charge it to our escrow account. We have consistently attempted to reach them via their customer phone line, but no one ever answers the phone during business hours. Initially, we submitted proof of insurance via mail in XXXX. We also submitted proof of insurance via their online portal in XXXX of XXXX. We then received a second notice in XXXX of XXXX, so we attempted to submit a copy of the updated proof of insurance on XX/XX/2023 via their online portal at https : XXXX as given on their notice. This link did not work, and it still does not work as of today, XX/XX/2023. So, on XX/XX/2023, we faxed a copy of the insurance policy to the phone number they provided, XXXX. This fax was successfully sent from phone number XXXX on XX/XX/2023 by the fax company XXXX. Despite this, on XX/XX/2023, we were sent a notice by mail that an insurance account would be taken out in our name and billed to our mortgage 's escrow account, effective a prior date of XX/XX/2023. This insurance account has an annual premium of {$760.00}, an amount that we did not agree to. We have repeatedly attempted to contact them and sent this proof via every avenue provided, yet they have failed to acknowledge receipt of our proof or answer or respond to our phone calls, mailings, or faxes. NewRez LLC 's online portal has not worked or been maintained, and they are actively engaging in a form of consumer fraud.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 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 XXXX  days before the payment due date. 

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation (PA)

An individual with a fraudulent XXXX  drivers license in my name took out a loan for {$3500.00} in XX/XX/year> from Heights Finance. At the time I had a XXXX  drivers license and was living in XXXX XXXX for a while. XXXX alerted me to the fraud in XXXX and when I reached out to Heights FinanceXXXX they gave me a list of documents to fill in and get notarized which I did. However, every time I called them asking where to send these documents, they could not give me an answer, would not put me through to a manager and never called back. I called every month. They have now handed this over to a debt collecting agency. I have the proof Ito show it was not me- I was out of the country, had a XXXX  drivers license and even the email they had on file was not mine. 

Also, which company gives out a loan with a drivers license only? I am also reluctant to now send them my info- which includes social security number, drivers license and passport- as I do not feel they would keep this info secure. Heights Finance is as much of a fraud as the guy who stole my identity.