davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

XXXX and his active military daughter completed a modification request with Well Fargo in XXXX of XXXX giving their full and complete SSN 's. 
XXXX believed his home was lost to a foreclosure that was completed in XX/XX/XXXX. 
XXXX believed he was being allowed to " re-purchase '' the property in early XXXX, giving no party any SSN 's and having no credit report run. 
A hard money loan was acquired through XXXX XXXX XXXX ( owners moved to FL and now reside there ) for what XXXX believed was a " purchase '' loan to re-purchase hi foreclosed upon property. 
What actually happened was : Wells Fargo, XXXX XXXX of XXXX XXXX, and XXXX XXXX XXXX ( attorney ) : Coerced XXXX XXXX into signing ( what was identified to him as ) a " purchase '' transaction ( after his XXXX foreclosure was completed in XX/XX/XXXX ) that was later identified as a non-owner occupied transaction making XXXX believe this transaction was completed with his name and SSN. It was discovered upon the submission of the non-military affidavit in relation to a foreclosure filed against XXXX XXXX  property, the account was actually in a created identity with XXXX name and his daughter 's XXXX. 
The the " purchase '' was later identified in bankruptcy filings by who XXXX believed to be the " XXXX '' as a non-owner occupied transaction, and a transaction that sent monies to the " foreclosing lender '' ( Wells Fargo )
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  90 Days Late Real Estate {$0.00} Status Date Reported XX/XX/XXXX Payment Status 90 Days Late Account Status Transferred Account Details Account Type FHA real estate mortgage Responsibility Individual Original Loan Amount {$110000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Collateral DEFERRED TO XXXX Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term XXXX Payment Frequency Monthly ( every month ) On Time Payments 26 % Worst Pay Status Late 120 Days Lender Info XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Remarks : I want this removed they were not my mortgage holders I am currently with XXXX XXXX I went through a loan modification for a lower interest rate m during the covid years, I was not late or did they EVER have my mortgage loan
Consumer complaint received 2024-06-30
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. 

NAME OF ACCOUNT ACCOUNT NUMBER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It states a consumer reporting agency can not furnish a account furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s2 ( 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 2024-06-30
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 the company 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 2024-08-29
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. (TX)

I disputed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX with Transunion and debt rec sol, I received the certified mail stating they received my information and when I call they state they have not received it. I have requested validation of debt and have been denied these papers with anything showing that I signed for any loans with this company. I have attracted the letters I send to Transunion, XXXX AND XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-06-30
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. (UT)

When a XXXX  XXXX case is dismissed, it is, in the view of the court, as though the bankruptcy filing never existed. The automatic stay that had protected the debtor is lifted ; creditors may pounce immediately, with results that include : Collections letters. Calls from collections departments or agencies. So how is TransUnion reporting Accurate and Verified information when this filing never existed! Once again this is fraudulent reporting on my credit report. This bankruptcy reporting doesn't belong on my credit report obviously TransUnion doesn't understand the definition of ( Dismissed ). Nor can TransUnion verify the accuracy of this account. The bankruptcy doesn't Match my current address. So why is TransUnion claiming it is? This is fraudulent inaccurate reporting! Relevant Legislation : 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information Legal Rights : Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to investigate my dispute and correct any inaccuracies within 30 days. Additionally, under 15 U.S.C. 1681e ( b ), you must ensure the maximum possible accuracy of the information reported. I've submitted a copy of my XXXX, XXXX report and it show the inaccurate information being reported. From TransUnion and XXXX. TransUnion is in violation of my consumer rights and if this continues I will sue. This documented complaint will show I've made numerous attempts to have this corrected and TransUnion continues to violate my consumer rights when I pursue legal action. Also I can have anyone fix my credit report if I give that company permission. Theirs is no law under the FDCPA or FCRA that says I can't. This is not an unauthorized reporting.
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MI)

This is XXXX XXXX address XXXX XXXX XXXX XXXX. I have sent several requests for proper debt validation to convergent outsourcing XXXX XXXX XXXX XXXX XXXX WA XXXX. I have not received it proper debt validation. They keep sending me information which is not relevant. This company received and signed for the letters I sent them. They are continuing to report this account in my name constitutes collection activity specifically prohibited by the FDCPA. 

Here are the statutes in which your company they are in violation : 1. Failing to cease collection of an alleged debt after the Defendant notified Plaintiff in writing that the alleged debt was disputed, therefore violating FDCPA 15 USC 1692g ( b ) 2. Falsely representing the amount of the alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ). 
3. Failing to report an account as disputed on my credit reports after receiving my requests for debt validation, thereby violating the FCRA 15 U.S.C. 1681i ( c ) Notification of consumer dispute in subsequent consumer reports. 
4. The threat to take any action that can not legally be taken or that is not intended to be taken, thereby violating FDCPA [ 15 USC 1962e ] ( 5 ).

They are in violation of the FCPDA.
Consumer complaint received 2024-06-30
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)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to file a formal complaint against XXXX, TransUnion, and XXXX regarding their inadequate investigation of discrepancies in my credit report concerning my account with XXXX XXXX. Despite my request for a thorough investigation to ensure the accuracy of the information reported, the results have been inconsistent and erroneous, causing significant harm to my credit. 

In my communication with the credit bureaus, I specifically requested an investigation into the account listed on my credit report from XXXX XXXX. The responses I received were inadequate and failed to address the discrepancies, as follows : XXXX : The account is reported as 180 days past due, with the last activity date as XX/XX/XXXX. 
TransUnion : The account is reported as 120 days past due, with the last activity date as XX/XX/XXXX. 
XXXX : The account is reported as at least 120 days past due, with the last activity date as XX/XX/XXXX. 
These discrepancies are clear evidence that the credit bureaus did not conduct a proper investigation. Instead, it appears they merely took the creditor 's word without verifying the accuracy of the reported information. This negligence is a severe breach of their responsibility to ensure the accuracy and integrity of my credit report. 

The inconsistent payment statuses and varying dates of last activity among the credit bureaus are unacceptable. There should be one source of truth, and a genuine investigation would have rectified these inconsistencies. Their failure to conduct an actual investigation has resulted in substantial damage to my creditworthiness.
Consumer complaint received 2024-06-30
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. (NJ)

I initially sent out letters to all 3 credit bureau 's informing them of the identity theft, along with a report, and copy of my ID on XX/XX/XXXX and informing them of the 4 days they are allotted to remove the information from my report. In order for them to be in compliance with 15 USC 1681-c-2 and 12 CFR 1022 Regulation V. None of the accounts that were listed as unrelated to any transactions completed or known to me have been blocked or deleted from my consumer report. The accounts are once again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX account number ending in XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. This account is also reporting CLOSED and it is OPEN. Thank you in advance!!!!!
Consumer complaint received 2024-06-30
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)

I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2024-06-30
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. (NC)

Why until now these XXXX accoounts are still here it's been a while since I've done this I have filed a complaint with the XXXX  for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of XXXX  accounts that I want as soon as possible.
Consumer complaint received 2024-06-30
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. (NY)

PLEASE BLOCK AND REMOVE It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-06-30
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. (MD)

My account with the company 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 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to request the removal of inaccurate addresses listed on my credit report. As a XXXX individual, I have noticed that my credit file contains several old addresses that are no longer relevant. 

My current and accurate address is : XXXX XXXX XXXX. 
XXXX XXXX, SC XXXX
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, 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. (FL)

Hello I have 6 hard inquirys. that are on my transunion report. I have disputed these inquirys with the companys and with Transunion and they refuse to remove them. these are not attached to any accounts. they are making it hard for me to get approved for credit. these are the inquirys. 


XXXX XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX XXXX  / XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XX/XX/XXXX/XX/XX/XXXX
Consumer complaint received 2024-06-30
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)

This is the law : The following information in this report does not belong to me. My information has been compromised or, I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (CA)

i had a secure credit card with US Bank and have made all monthly payments on time for the past two years. US Bank has failed to upgrade the card to unsecured due to credit per the denials. i had the same credit rating the for past two years with my score going up at time for on time payments. I believe that US bank have not extended credit due to complaints. 

during my sickness i phoned US bank for help with the credit card and was told by XXXX customer service rep and XXXX supervisor that US Bank has no option for secured card holding during unemployment or XXXX. i aslo expressed that us bank fees, annual fees and late fee is the reason that the card was over balance several times. Us bank wait until your balance is near the credit limit and then post all the charges such as the fees at one time. i have requested manager call back several times no response see letter payment is incorrect and account was closed before i received this letter. 

Us bank was well aware of my health.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (CA)

I discovered an inaccurate closed Auto Loan account on my credit report in XX/XX/XXXX from XXXX XXXX XXXX. Ive disputed this account several times with the credit bureaus which always resulted as the account being verified and it continues to still report derogatory marks on credit report. I then disputed the account directly with the company under the 15 U.S. Code 1692g - Validation of debts stature and this company has never responded to me. My first attempt to reach out to this company directly was on XX/XX/XXXX. I submitted my request on that day via certified mail and confirmed that this company received my request on XX/XX/XXXX ( Certified Mail Receipts Attached ). I then submitted a second request on XX/XX/XXXX and confirmed that this company received it on XX/XX/XXXX. Ive given this company more then thirty days each request to validate this debt and they have not and completely ignored me.
Consumer complaint received 2024-06-29
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. (NC)

I sent you a letter several times, asking for you to investigate the information reporting on this account and I received a response from you stating that the account was verified and there would be no change. 

After receiving that response. I sent a letter to the companies in the previous month asking for them to verify the information. I received no response. 

I have exhausted all of my options to resolved these matters and I am now demanding that the account be deleted from my credit report due to being invalid and unverifiable. If no proof of debt exists and there is no verifiable information, then the information may not be reported to the credit bureaus nor reported by them under the Fair Credit reporting Act. 
XXXX XXXX