davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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)

Applied as cosigner for XXXX XXXX student loan. Denied as cosigner based on " limited credit experience ''. XXXX pulled credit info from Transunion. Transunion does not have information on XXXX of my accounts " XXXX revolving XXXX realestate '' that I have had for many years and are all in good standing. These same accounts are listed on my XXXX credit report and thus have much higher XXXX XXXX " over XXXX '' and full credit report. XXXX with XXXX they denied my cosigner based on no current credit use experience. Reached out to Transunion dispute center by phone and was told I can not dispute missing data. I then sent a dispute letter and thus far have received no reply. I have also reached out to my bank holding these XXXX accounts " XXXX Bank '' to see if they can report this data directly to Transunion. They have stated they report all credit information to all XXXX credit bureaus they simply are not pulling the data into their system. I don't understand why Transunion has all XXXX of my loans over the past 10 years and have paid off and closed " all on time with no late payments '' but refuse to investigate the XXXX that are current and add them to my report so it accurately reflects my full credit history. I have also signed up for and pay for the credit monitoring services with Transunion " using a credit card they refuse to show on my credit report '' hoping that would help. I also paid Transunion for a full XXXX XXXX report as a comparison. Its all listed right there on the XXXX report they pulled and reported to me. I also pay for the credit monitoring service with XXXX hoping to push the missing data from the other reporting agency to Transunion. XXXX also shows Transunion does not have all my credit info. I have the same missing data problem with XXXX but currently Transunion is the reaason I am being denied credit with XXXX. Nothing has worked. I simple want my credit info to be reported more accurately across all XXXX credit Bureaus. Prosperity bank is willing to send over any information requested to resolve this issue.
Consumer complaint received 2024-07-10
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. (KS)

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 2024-07-10
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXX XX/XX/XXXX 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 2023-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CO)

Payment is not showing up on Account history after XXXX weeks. When I called to inquire, a recording told me the wait would be over XXXX minute. Today is XX/XX/2023. 

Furthermore! that was not even the first time I called the first time I called the number provided a recorded voice that we meant to be mistaken for a person started trying to sell me some medical device. Someone or some group is clearly trying to prey on the elderly and confused.
Consumer complaint received 2024-07-10
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. 

Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 2024-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC (OH)

Company name : Cavalry Portfolio LLC Account number : XXXX This collection agency is not licensed and bonded to collect from me in the state of OHIO. They are illegally sending my information around to a third party law firm to illegally collect from me and harass me. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company has also no permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2015-04-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NV)

Nation Star Mortgage payment electronically debited from my checking account without my consent. XXXX {$1600.00} was debited from my account and on XXXX {$1600.00}. This resulted in XXXX mortgage payments within same billing cycle. I called on XXXX requesting funds to be returned in the amount of {$1600.00}. I was instructed to fax statement showing funds were debited from my account ; I did. I was promise the funds would be wired ; they were not. I called XXXX I was advised they needed to XXXX way call my bank to verify funds were debited from my account ; we did verify funds were debited from my account. Agent XXXX, ID # XXXX promised to deliver a check via XXXX and provided a tracking #, XXXX. On XXXX called XXXX to discovered this was an invalid tracking number. I called Nation Star and I was placed on hold then hungup on after waiting XXXX mins. I called back to discover that no check had been delivered. Supervisor/Agent XXXX, XXXX ID XXXX advised that the funds would be returned to my bank account ( same accounts were paid from ). I was advised that since I was filing a CFPB complaint the call needed to be escalated to higher member of management. XXXX, XXXX ID # XXXX assured that {$1600.00} would be reversed and back into my account by the morning of XXXX. XXXX provided a ref #, XXXX. I also disputed the amount of the loan when it was transferred from XXXX XXXX XXXX. Nation Star has refused to assist me with this process. They deflect the responsibility back on XXXX XXXX XXXX.
Consumer complaint received 2024-07-10
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. (MI)

An account with XXXX XXXX appeared on my credit reports as a charged-off debt. I have never opened an account or heard of this company before. I contacted the company to dispute this but since they track accounts by phone number and my phone number is not found in their system, they could not find my account. The credit reports show an open date of XX/XX/XXXX and close date XX/XX/XXXX. I have not ever leased or purchased goods or services that were financed through this company. it appears that this account was opened with {$3500.00} of credit but no payments were ever made on this account. The unpaid balance reported by them on my credit report is {$6300.00}. This account is erroneous, inaccurate, and is not mine.
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the XXXX  of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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. 


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 XXXX
Consumer complaint received 2024-07-11
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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (GA)

I withdrew my $ XXXX 401k check from Wells Fargo in XXXX when I was XXXX but then took it back to WF to roll over in an IRA account because I didn't want to be charged with the penalty. In XXXX, I called WF and wanted to withdrawn the $ XXXX check from the IRA account and the banker told me that he will send the check to my new address after 10 days due to the fact that they need to verify my new residence. The check never showed up and now it just disappeared. I have been back and forth with WF for all these years and nobody could tell me what happened to my check. They have no record of the check what so ever. I contacted by phone and by mail to my employer at XXXX XXXX which is now acquired by XXXX and nobody replied. My hard-earned retirement money of $ XXXX is just gone without a trace. I ran out of options and can't afford to give up. Could you help advise me what to do next to find my money. Any attorney that can help me with my case? Thanks in advance.
Consumer complaint received 2024-07-10
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)

My account with XXXX XXXX, XXXX XXXX and XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and XXXX and all payments were placed on XXXX. 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 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 that are reported 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 and 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 2023-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (PA)

This all started when I was granted a deferment/forbearance with my Mortgage company ( Lower Mortgage ) back in XXXX XXXX XXXX. This was due to medical issues and was to defer 4 months of payments ( XX/XX/XXXX through XX/XX/XXXX ) and would be added to the back end of the Mortgage loan. Each month I would receive a statement, the statement for XXXX stated I was past due, so I called the loss mitigation department at Lower ( the department that granted the deferment ). Every time I called they said that it was a mistake and that they would take care of it. This happened for the next couple of months until the reinstatement process happened and when I made my normal mortgage payment in XX/XX/XXXX the XXXX statement showed current. I then checked my credit report and noticed that it dropped nearly XXXX points due to the fact that Lower collections department sent in to the credit bureaus that I was past due. I called Lower, they admitted the mistake but said there was nothing that they could do and I would have to straighten it out with the credit bureaus which I did. I filed disputes with all 3 agencies ( XX/XX/XXXX ) and was able to get my credit back to close to where it was prior. Now in XX/XX/XXXX I checked credit report again and noticed a XXXX drop. This was again due to Lower submitting a report of missed payments to the credit bureaus. I tried to login to my account and am unable to, a notification comes up " please contact support your account status is limiting your access to additional information ''. I called the number XX/XX/XXXX ( collections department ) they stated that they were showing that I had not made a payment since XXXX XXXX  XXXX which they again admitted an error. Also had a representative from Lower show up to my house on XX/XX/XXXX to verify that I lived there. I have contacted Lower just about everyday since XX/XX/XXXX to see if they have rectified their error and every time they don't know why it is taking so long and that they email their manager. Every time that I ask to speak to a Supervisor or Manager they are either " too busy '' or " are only going to tell you the same thing that I am telling you ''. I have not received any emails or phone calls from them stating that my account is past due and all of the mailed statements from Lower show that I am current. Don't know how they make an error like this and why it takes so long for them to correct it.
Consumer complaint received 2024-07-10
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. (TN)

After several failed attempts to remove accounts with credit bureaus directly, I am writing to formally request the removal of several accounts from my credit report, as they have been inaccurately reported and are subject to the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ). 
The following accounts should be removed promptly : XXXX. XXXX XXXX XXXX - Account # : XXXX Amount : {$350.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
XXXX. XXXX XXXX - Account # : XXXX Amount : {$12000.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
XXXX. XXXX XXXX XXXX XXXX - Account # : XXXX Amount : {$1400.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
XXXX. XXXX XXXX XXXX - Account # : XXXX Amount : {$10000.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
XXXX. XXXX XXXX XXXX - Account # : XXXX Amount : {$19000.00} Reason for removal : Account charged off and now recognized as taxable income. A XXXX can be provided upon request. 
According to the Fair Credit Reporting Act, these accounts must be accurately reported and verifiable. Due to unauthorized access and inaccurate reporting, I am requesting their immediate removal from my credit report. 
Enclosed with this letter are copies of relevant documentation supporting my claim, including evidence of unauthorized access and any other required documentation. 
Please investigate this matter promptly and inform me of the actions taken to rectify these inaccuracies. I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-07-10
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. (IN)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.