davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I had a mortgage with XXXX XXXX XXXX from XXXX XXXX through XXXX XXXX. XX/XX/XXXX, I sent in my mortgage payment to XXXX and they said it was {$5.00} short so they sent it back. I never received it. The confirmed I did n't receive it and never cashed it as they sent it to a " holding '' department that does n't exist on my end. Since that day and prior, I had been making mortgage payments on time and had no idea they starting docking me 30 days late since that payment. XX/XX/XXXX they sold my mortgage to Nationstar. I did n't receive any information from XXXX regarding the sale and for XX/XX/XXXX and XX/XX/XXXX, I paid XXXX. XX/XX/XXXX I finally realized my payments should be going to Nationstar so I made my first payment to them that month. I have documentation of proof of payment to both institutions dating back to XX/XX/XXXX. Nationstar is docking me 30 days late for the months of XX/XX/XXXX-XX/XX/XXXX because of the payment that was " sent back to me ' from XXXX. Their explanation for the lates are they purchased the mortgage from XXXX and purchased all of its history too. Well not knowing my payment was sent back, I had no idea this was taking place. I am now not able to get a mortgage since I have all those 30 day lates and to top it off, they added a 60 day late in XXXX of XXXX. I have disputed this with the institutions and their comments back are " our records are correct and no adjustments are warranted ''. I then submitted all my documentation to the XXXX bureaus and based off their investigation gave me credit ( removed XXXX 30 day lates ) for XX/XX/XXXX and XX/XX/XXXX? How and why just these two months i have no idea. I showed proof of payment for the last 2.5 years. Nationstar has me 30 day late XX/XX/XXXX, 60 day late XX/XX/XXXX and 30 day late in XXXX and XXXX in XXXX? How can this make sense to anyone? I have tried to contact nationstar for the last 5 months and have got NO help in regards to explanation other than they purchased XXXX history. Every time I call I get a different person who has no idea why I am being docked late. I was given the name of " a manager '' I needed to EMAIL all of my documentation to and would get a response in 30 days. That was over 45 days ago. I have send numerous emails to this individual in the course of 45 days and have gotten ZERO feedback. I need some serious help with this issue as it 's preventing me from getting a new mortgage.
Consumer complaint received 2024-07-12
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: EQUIFAX, INC. (CA)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
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 the company and i was never late! I have had exceptional payment history with this company 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 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 ti
tle 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and XXXX XXXX making me unable to achieve financial freedom and stability.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My account with XXXX 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 in 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 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 2024-07-18
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)

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my accounts. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the companies associated with these accounts, and they acknowledged that there was an error on their end. They assured me that they would update and correct my accounts to reflect the accurate payment history. They explained that they sent the statement to the wrong address that caused the late payments to be incorrectly reported. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCF Intermediate Holdings LLC (TX)

I submitted a complaint to you on XX/XX/24 that I never got notice of this debt from XXXX XXXX XXXX. You closed this account and they are still on my credit report. If you will please look at the response they sent you explaining about why I owe and if you will look at their information it is for a Title Max loan not a Speedy Cash Loan as I was disputing. I have never had a Title Max loan and all the information they sent you was incorrect. I want them off of my credit report immediately. They been reporting on my credit report for over XXXX years never posting the correct information. Now they have done it here with a total different account that I have no idea about and not even about Speedy cash. Please can you reopen this and help me get the information I have requested. If the wrong information was posted here what do you think they have done to my credit report.
Consumer complaint received 2024-07-18
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)

After discovering that I couldnt co-sign using my credit on XX/XX/year> because transunion purposely have a deem of repossession placed on my report. I called my auto loan company XXXX XXXX to ask why when my car is paid off, they stated they never reported that and its transunion error. I called transunion who failed to provide what I requested and failed to handled my dispute. I can not submit any dispute to transunion online, it states to call. This is not the first time transunion has being negligent with my account. I would like to file a lawsuit if I have to wait the 30 day period with having it removed from my credit report. This error has inconvenience me in life as of now, I need to use my credit and cant due to there error. I do not want to wait the 30 day period and need to have this deem of repossession expedited before XXXX is over.
Consumer complaint received 2024-07-11
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. (FL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.
Consumer complaint received 2024-08-28
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 strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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!
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

My CIBIL score was recently updated inaccurately. 
Report Ref No Date Score XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have visited your XXXX office 4-5 times to seek assistance. 
Unfortunately, each visit has only resulted in further delays and unsatisfactory responses. The lack of resolution has caused considerable inconvenience and distress. 

I urgently request that my CIBIL score be reverted to its previously accurate state and that this matter be addressed with immediate attention. I would appreciate a prompt and effective resolution to avoid further escalation. 

Please let me know if you require any additional information or documentation from my end to facilitate this correction. I look forward to your prompt response. 
I filed my complaint online but nothing got resolved. I reached the main office XXXX and told my problem that my CIBIL score has decreased by XXXX points in one month and the service desk madam XXXX XXXX without any reply all system generated. Yes, I can admit that I have a bad system generated but there is a man and a team to remove the system I have a lot of trouble in providing data or other information to him, even though I have no outstanding or late payment in my current account, how come CIBIL is reduced by XXXX points in one month? This means that there is a management issue somewhere, if the MY data and report is bad, then WHY SHOW IN month of XX/XX/year> should not be seen, there is a difference of XXXX points between XXXX XXXX and XXXX XXXX... 
How to possible within one month XXXX point less in XXXX score I am visiting your office at XXXX XXXX XXXX she process same process and said totally system generation I am said I want to meet authorised person she said not allowed. 
Who should I go to and I have this problem so these people who have sent me the report showing outstanding are two accounts in my regular pay.

If my CIBIL problem is not resolved slowly, I will face a huge financial loss, who is responsible for Transunion CIBIL key sending wrong report bank I don't know what my problem is I am just saying that my CIBIL score was XXXX in XXXX now it has come to XXXX in XX/XX/XXXX points minus in one month please explain what is possible and Agreed, I have a system generation, but the one who deletes the system, but there is only one person who gives the data, but there is only one person.I would like to request you to slow down my problem as soon as possible Old cibil score control no XXXX XXXX 2024 XXXX New cibil score control no is XXXX XXXX Please let me know if any additional information or documentation is required from my end. I look forward to your swift action and a resolution to this issue. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ZIONS BANCORPORATION (AZ)

I requested assistance with fees by requesting contact from the branch manager At least 5-6 times by calling the branch directly, but would always get sent to the customer service line. When my fees first began, the branch manager contacted me & we spoke once. He told me if I run into fee issues to reach back out. I ran into fee issues later that were primarily a result in a delay in my direct deposit from child support that should always post on Fridays & there were two instances it didnt post until the following Monday or Tuesday. Then, I have my payroll direct deposit thats bi-weekly and I was accustomed to receiving it every other Wednesday but national bank always posted it later on Fridays. This all really messed up my accounting and I really needed, and still need help. Their complaints department finally got involved for a brief moment, but they too have now dropped the ball. Ive tried calling XXXX three times to see if any help can be provided and no one ever returns my calls. Now Im getting letters from their collections department & have had 2 calls trying to collect money. Ive told both those reps what has gone on & still no help. I barely had the account for 6-8 months probably & these problems arose in a flash. I realize Ive had a few fees reversed here and there, but Ive had upwards of {$800.00} in fees in a very short time. Thats a vicious cycle to try to come out of. Even if I had half those fees reversed, it wouldnt be so cumbersome. And if the branch manager would have reached out to me a long long time ago to help a customer in need, this would not be where it is today.
Consumer complaint received 2024-08-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CT)

I was given an American Express gift card as a payment for a job and have been unable to use it almost everywhere I have tried. it will not work on XXXX. I tried to make a large purchase of a refrigerator from XXXX XXXX and the card was declined as well. I have XXXX sitting on this card and have not found a place that it is accepted. I have reached out to the company to solve and have not received a response. I have a case number but its been a year and this is as far as I have made it. 

Thank you, XXXX
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed unauthorized inquiries on my report. Someone applied for something using my information. According to the FCRA, legally these unverified and unauthorized items must be removed immediately. All unauthorized inquiries listed : 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