davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. XXXX5 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 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 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Per code USC 1681c-2 A consumer reporting agency shall block the reporting of any information in the file on a consumer that the consumer identifies as information that resulted in an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

Per accounts should not be furnished on my consumer report as they are a VIOLATION!!!! PER, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the existing circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights 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 an account without my written instructions.

15 USC 1681- XXXX XXXX Account number XXXX. A Charge-off is considered income ( according to the IRS ) Income is forbidden to be on a credit report per 15 USC 1581 2Ai - no transactions or experience are allowed to be on a credit consumer report.

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report Account Name : XXXX XXXX  Account Number : XXXX 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 contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature. They have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In compliance with FCRA 605B, you need to remove any inaccurate accounts from my credit report. Kindly check the documents, as some of the listed accounts have incorrect reporting, amounts, and dates.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( 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. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 2024-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 2018-08-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (RI)

My name is XXXX XXXX, I reside at XXXX XXXX XXXX in XXXX, RI XXXX my loan number is XXXX back in XXXX I start an assumption with Nationstar. and then Mr. Cooper took over my loan. I have been divorced and have resided in the home since my divorce in XXXX. My x moved out in XXXX My X XXXX has not paid one cent into the home. In the last several years I have paid off all our debit including a HELOC loan that we both took out. I took XXXX back to court and he signed a quit claim deed and it is court ordered that I remove his name from the mortgage by XX/XX/XXXX. I was told by Mr. Cooper in XX/XX/XXXX that I would have to start an assumption process again. In XXXX I was sent to the wrong department and then realized it wasn't the Assumption Department. I have paid all my and XXXX debt to assume the home, even paying a HELOC loan off so that I can assume the home. I've been working with several staff members and have spoken to at least 20 people ( have every name at home ) and after months of supplying Mr. Cooper will all documentation I was denied the assumption due to debt to ratio. I was told I cant afford the payment on the home the very Home Ive been paying it for 10 yearsI last spoke with a XXXX XXXX an employee of Mr. Cooper I wanted to know the following. I am receiving money from my retirement on a montly basis for the rest of my life starting in XXXX of this year which will increase my pay and trade in my car for a loan of {$200.00} instead of {$450.00} lease which is now, can I get the assumption. These two things will take me way under the debt to ratio. the answer to me was they could not make a decision until I apply again. This is detrimental to me, if I do not get this assumption I will have to sell my home, the very home that I have been paying the mortgage on for the last 10 years. I also, don't want to change my vehicle only to be told that I still cant get the assumption. How can they tell me I cant afford it when Ive been affording it for 10 years. I will have to move. As this is going on interst rates are rising. Can you understand how life changing this is. I am asking that you review my file. My phone number is XXXX email XXXX. 

Thanking you in advance XXXX XXXX, XXXX Account Manager XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, RI XXXX XXXX : XXXX XXXX Fax : XXXX The best compliment anyone can give me is a Referral.
Consumer complaint received 2024-07-05
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)

File number XXXX. Dispute was filed through credit karma for in accurate report from Transunion about inaccurate information from XXXX XXXX on XXXX XXXX. I have yet to receive any results or updates on case. I reached XX/XX/year> stating FRCA requires an update on a dispute within XXXX  days and was told there was an error on there end. Chat transcripts should show that. Seeing they are not holding up the laws mandate i would like all information they've obtain without my consent deleted .According to 15 USC 1681b. 

All XXXX XXXX information is incorrect
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (MN)

I am steady receiving harassing, threatening, and abusive phone calls and death threats, from TCF Bank debt collectors for an unauthorized and fraudulent checking account, someone opened in my name illegally and fraudulently. I never applied or opened a checking account with TCF Bank.
Consumer complaint received 2024-07-05
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. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I have a Mortgage being serviced by Mr. Cooper. I tried my best to get a HAMP Loan Modification. I made 3 TPPs also. Couple of them I admit were a bit late, because my father had a XXXX XXXX XXXX and I was running around the Hospitals and Doctors. However they say that they got only 2 TPPs., strangely, although I submitted my bank statements in proof of their taking all 3 payments. 

They sued me for Foreclosure and in their attached Law Suit Papers filed in the XXXX County Supreme Court, they show a total amount ( including interest, legal charges, escrow advances etc. ) of {$390000.00} due as on XX/XX/. Even this figure needs a detailed break down. 

But, if you calculate the per diem interest from XX/XX/2018 up to XX/XX/2018 it will amount to {$7100.00} - {$40.00} x 175 Days ). If you add these 2 figures, the Total dues are {$390000.00}. However, in their attached Pay Off Letter as of XX/XX/2018,  they are showing a Total Amount due as {$410000.00}. That is a whopping {$20000.00}. How come they are overcharging me such a big amount? I need a detailed explain with calculations.
Consumer complaint received 2024-07-05
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 XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : ( XXXX Original Creditor ) : Account Number : XXXX And lists of unauthorized inquiries XXXX don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2018-09-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hello, we have big problem again, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. We have had many attempts to receive an affordable monthly payment but no resolution and no affordable monthly payment offer has been given. 
We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing an affordable loan mod. that we can afford which will help us keep the home and not throw us out on the streets. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed and faxed in a copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. 
If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and an affordable loan modification and the process has been approved and agreed upon not some {$4000.00} monthly payment that no one can afford but one that is reasonable and that if helping the borrower not a ridiculous sum that will force us to move out. 

Thank you.
Consumer complaint received 2024-07-05
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX 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 my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


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


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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear CFPB : I am in disagreement with the closure of the claims I submitted against Transunion, XXXX and XXXX regarding XXXX very inaccurate outdated accounts under my social security number and credit report. I mailed nearly XXXX letters of investigation requests and the credit bureaus are not doing what is requested. I will re-attach dispute letters that I have sent along with the screenshot of a specific account that is completely in violation. This account is reporting passed the statute of limitations yet is constantly being re-aged to reset the statute of limitations on when it will come off of my report. None of the dates are accurate across these XXXX credit bureaus. I would like to exercise 15 U.S. Code 1681i ( XXXX ). 

XXXX XXXX XXXX- This account is completely inaccurate and violates the FCRA U.S. Code 1681 ( e ) b Accuracy of report. This account has the date of last payment listed under XXXX different years ( XXXX and XXXX ). Updating this account with misinformation is against the law. This entire account was never validated and it still reads " account not disputed ''. Failure to enter that this count is in dispute is a major violation. 

XXXXXXXX XXXX - This account has late payments listed everywhere and erroneously XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. This company can not provide proof of such late payments. How are there XXXX late payments under XXXX, XXXX late payments under XXXX and XXXX late payments under Transunion? This is entirely inaccurate, unfair and unverified and violates 1666b which is a clear error in the timing of payments. 

XXXX XXXX - This account violates the XXXX XXXX or would if the credit bureaus could even retrieve validation of this account that I have requested under 15 USC 1692g. Since XXXX information can not be shared without one 's consent, validation has never been provided as requested. How does this account belong to me? Where is the original contract or bill of this account? It can not be proven as mine AND there is no notice that this account is in dispute which also is a violation of 1681i ( 2 ).
Consumer complaint received 2024-07-05
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)

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. 
XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.