davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
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. (NC)

When I reviewed my credit report, I discovered that some of the information were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX Balance Owed : {$580.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-07
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. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-10-07
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. (SC)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with TRANSUNION 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.

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.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


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


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-07
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)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NC)

After XXXX XXXX XXXX XXXX XXXX  XX/XX/year> my wallet with my bank card, state ID, social security card, phone and car was stolen. A police report was made for the stolen items but I could not report the stolen funds from Navy Federal credit Union until I was allowed to by XXXX XXXXXXXX XXXX  Due to the fact that so much time went by before I was allowed to report my funds stolen it made it difficult to report it directly to the bank. After being XXXX I provided a 562a form, police report, and court documents for the bank to show that the funds was stolen. Navy Federal credit Union has still denied me a provision for these unauthorized transactions.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

I am submitting this CFPB complaint because I still believe there are some errors on my credit. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate the following items : XXXX XXXX Balance Owed : {$0.00} You are flagrantly infringing the Fair Credit Reporting Act by continuing to display this account as past due despite the fact that it has been fully paid and has no outstanding balance. The payments on this account have never been late. My records show that I never missed a payment on this account, and it was settled in accordance with the terms. Please take care of the late payments or completely remove the disputed account from this account 's payment history. 

XXXX XXXX XXXXXXXX XXXX XXXX : {$1.00}, XXXX Despite my numerous requests to dispute this account and correct the payment history, you have done nothing. The late payments that are reflected in the account 's payment history are misleading because I never made late payments for this account. Please remove the reported late payments from the payment history as soon as you can. 

XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} Neither was nor will this declaration be late. Given that you are adding fraudulent and incorrect information about me to my credit report, I've tried to request that you change the payment history. Please discontinue noting late payments on this account moving future, and just provide accurate information. True credit reporting is required by the FCRA.
Consumer complaint received 2023-11-14
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. (IL)

I DISPUTED AND REQUESTED ALL LATE PAYMENTS TO BE REMOVE FROM MY CREDIT REPORT. CREDIT BUREAUS UPDATED MY CREDIT REPORT WITHOUT SENDING ME VALIDATION OR REASON WHY IT WAS UPDATED AND NOT REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states that I have the right to privacy ( 15USC 1681 ( section 604 section2 ) it also states a consumer reporting agency can not furnish an account within written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-07
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)

IM A VICTIM OF IDENTITY PURSAUNT TO THE FCRA ALL FRAUD MUST REMOVE FROM MY NAME AND CREDIT REPORTS ******PLEASE READ THE FTC REPORT THAT IS ATTACHED *****
Consumer complaint received 2023-05-08
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: TD BANK US HOLDING COMPANY (FL)

I've been manipulated and tormented by a sales rep on XXXX XXXX XXXX XXXX, without my consent my credit was checked inaccurately and unlawfully. I've told him multiple times to not check my credit. The next following day my credit report has taken a hit with a hard inquiry. I've called the company and also the manager nothing was resolved. They've also appeared on my credit previously on XXXX XXXX  without me knowing. It's now getting annoying and insulting to me as a consumer. This must be deleted from my reports immediately.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX I disputed XXXX XXXX XXXX in regards to a collection account that " DOES NOT BELONG TO ME. '' I disputed XXXX XXXX XXXX On XX/XX/XXXX, which I have a right to do and I am fully aware of my rights. The letter to them was mailed out on XX/XX/XXXX, sent via certified mail with return receipt. The letter was delivered to them on XX/XX/XXXX at XXXX XXXX in XXXX, Ga. XXXX. I received an email with proof of Equifax receiving my dispute on Friday and starting the process on XX/XX/XXXX. " According to the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ), 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 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. '' It is now XX/XX/XXXX and way over 30 days, which means this must be deleted immediately. I have not received a response or nothing in the mail. They are not responding via mail or over the phone about anything. They are acting as if I never contacted them. I sent everything via certified mail. I also have proof of a call log of me calling them. I called on XX/XX/XXXX to make sure the letter was received. I called twice on XX/XX/XXXX, one time at XXXX XXXX and the second time at XXXX XXXX because it was 30 days and no response. I was told call back in 30 minutes to 1  hour because the systems were being updated both times. I called again on XX/XX/XXXX at XXXX XXXX and was told the same thing that the " systems are being updated. '' All of the times I called I asked for names and ID numbers for proof and they refused. I have proof of everything stated in this response. It has been over 30 days, they are in violation of Fair Credit Reporting Act 611. This item must be deleted immediately.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

XXXX XXXX XXXX ( SPS XXXX ) is in violation of the CFPB guidelines where they must review 37 days or more prior to a scheduled foreclosure sale. The bank is making up guidelines as they go and are not following the CFPB 37 day rules and regulations. 

Here is a summary of what happened : Short sale file was submitted with a sale date about 42 days away. After back and forth communication with SPS the short sale was closed out on and we were told the investor wanted 45 days prior to a sale date to review for a short sale. We called investor and they said if its over 37 days they will review for a short sale. 

SPS is making up their own rules as they go and this is unfair to me and many other customers. 

Currently SPS won't review for my short sale. I am doing a short sale to save my credit and leave my home with dignity and to do the right thing. The offer is 95 % of the bank 's current appraised value. There is no reason SPS should be doing this.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

XX/XX/24 : my account is overdrafted {$17.00}. I attempt to move {$20.00} from a joint account at the same institution to my overdrafted account. online banking will not allow me to move the money ( this is normally not an issue ). I physically go to a Regions ATM and have to withdraw {$20.00} from my joint account and then immediately deposit to my overdrawn account. this brings my total + $ XXXX. approximately XXXX XXXX XX/XX/24 : approximately XXXX XXXX I check my account. Sometime after banking hours a overdraft fee of {$36.00} was levied on my account after bringing it out of overdraft the previous day. 
current checking account total is not accurately reflecting pending transactions. Bill pay transactions are being executed when they are most likely to cause an overdraft I.E. in the middle of the night. Pending transactions are being executed when they are most likely to cause an overdraft I.E. date moved forward in the week ( one such transaction was already cleared with retailer and items shipped ). Internal transfer system will not work under an overdraft situation ( this has happened on a previous occasion ).
Consumer complaint received 2024-10-07
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. (GA)

On XX/XX/XXXX your company received my certified USPS mail requesting that you look into and verify information on my report. Instead, on XX/XX/XXXX I received what I've come to know as a STALL LETTER implying that " it didn't appear that you or a properly authorized third party sent it to us ''. Well then how did you receive it?? I sent it and included the identifying documents that your bogus letter requested. This time, so that there's no confusion, I'm sending it through the CFPB and I expect not only that you respond by XX/XX/XXXX which is the XXXX window as required by the FCRA. 

I'm writing AGAIN due to the fact that you sent me a letter assuming that it wasn't me or a properlyauthorized third party that send correspondence to you. Despite the fact that my ID and other sensitive information was included. This is very upsetting to me and I'm beginning to believe that my rights are being violated. Who are you to decide who'sauthorized or not. Your job is toconduct a full and properinvestigation. 



Whether or not I'm working with a third party is really none of your business and has nothing to do with you adhering to the FCRA and ensuring that the information within my credit profile is being reported accurately or not. 



On XX/XX/XXXX a report was released by the CFPB titled : CFPB Releases Report Detailing Consumer Complaint Response Deficiencies of the Big XXXX Credit Bureaus : XXXX, XXXX, and TransUnion routinely failed to fully respond to consumers witherrors. 

Something that stood out were these findings by the article : The CFPB found the XXXX companies often failed to provide substantive responses, especially when they alleged the complaints were sent in by third parties. However, consumers can authorize third-party representatives to submit complaints on their behalf. 



Federal law requires XXXX, XXXX, and TransUnion to conduct a review of certain complaints sent to them by the CFPB to determine whether all of their legal obligations have been met with respect to the subject matter of the complaint and then to report their determinations and actions to the CFPB. 



This has to stop and the stress, worry and financial damages inaccurate items being reported on my credit profile is causing me, is so unfair. 



Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts :
Consumer complaint received 2020-01-03
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 — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaacurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any prroof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
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: Experian Information Solutions 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 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

My loans were forgiven by Dept of education through public service loan forgiveness prior to the processing pause. Only half of my loans were discharged despite all of them being forgiven and approved. I have made over XXXX qualifying payments. 

When the processing pause started my account was in administrative forebearance and I was waiting for the remainder of my loans to be discharged. My account then had a balance due listed ( which I reached out to mohela about ) but was still in forebearance. 

My forebearance ended this week and was not renewed and now my account is past due. This could negatively impact my credit rating. 



Mohela does not read any messages sent to them. All responses are just scripted and don't answer questions.
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: Experian Information Solutions Inc. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.