davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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 TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported to be removed.

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

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

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

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


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


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-03
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-02
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. (MS)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Williams, Rush & Associates, LLC (AL)

On XX/XX/XXXX, I called William Rush and Associates concerning a debt that they are reporting on my credit file. I called and spoke with a XXXX around XXXX CST. I asked XXXX if I could make a payment arrangement on the debt that they claim I owe. She gave me XXXX options, XXXX to pay in full ; XXXX to pay a settlement amount ; XXXX to pay 25 % of the original debt and make monthly installments. I told XXXX that I was unable to pay any of the amounts that she had provided and that I was willing to pay {$100.00} towards the debt and make arrangements afterwards. XXXX informed me that if I did not pay the debt by XXXX the following day then she would " advise her client to move forward with theft charges. '' I told her that was unecessary but I still did not have anything close to the amounts that she was requesting for me to pay. She further stated that if she advised her client to move forward with theft charges that there would be an additional {$1500.00} added to the overall debt amount owed. I told her that I did not have that money but I am willing to pay {$100.00} towards the debt and she again told me that I had until XXXX on the following day to pay or she would advise her client to move forward with theft charges. She further advised me that I have credit cards that have {$1000.00} balances, I have a car loan, and I have student loans that were showing paid on time and that I needed to call them and ask for a credit increase and tell my car loan servicer that I needed to skip a payment in order to pay William Rush & Associates. I told her that I only have {$13.00} available credit on the credit card and that I do not have anything other than what I told her I had. She then told me to call my family members, clergy, etc. in order to gather the money to pay. She further stated that I have been attempting to purchase something since XX/XX/XXXX and I needed to pay this debt prior to purchasing something else. I ended the call. Shortly thereafter, at XXXX I called back in hopes I would get a different representative and was connected to XXXX again. I asked her about the payment arrangements options that she had originally given me on the first call and she repeated them. I asked her if there was anyway to pay next week and she stated that I had until XXXX tomorrow in order to pay or she would advise the client to move forward with criminal theft charges. I told her that I did not have that amount to pay and that she did not have to wait until XXXX tomorrow that she could advise the client to move forward with theft charges right away. She said that she would and ended the call.
Consumer complaint received 2024-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (ME)

The issue is that the Sloanservicing website has been basically inaccessible for months. There is actually a reddit thread about the issue. When borrowers attempt to access their loan information and/or make a payment online, the log in is just a blank screen. I actually called sloanservicing a couple of months ago because I thought the issue might have been my browser or something I was doing wrong ( although I have been making my payments and accessing my accounts for years with no issues ). I was told by the customer service rep that it was a known issue they were working on but had no idea when it would be fixed. With this information I expected the matter to be resolved in a couple of weeks or so. As I stated previously, it has now been months and there does not seem to be any resolution in sight. One of the frustrating things about the situation is that Sloanservicing is not taking any responsibility by even putting up a notice that there is an issue being worked on. Borrowers just go onto the website and you do not know it's not going to work until you enter your log in information and get nothing but a blank screen.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am deeply curious of how my outcome for this complaint has turned. Your company has responded to my request of removal of these inaccuracies and they are still reporting these accounts. It has deeply affected my credit standing and it stresses me out.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-03
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. (NY)

I am writing to formally dispute an entry on my credit report regarding a collection account with XXXX XXXX XXXX ( Account Number : XXXX ). This account does not belong to me, and I am requesting that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report, and you are required to investigate and remove any information that can not be verified as accurate. I have never had any business dealings, nor have I signed any contract or agreement with XXXX XXXX XXXX. Therefore, I am not legally obligated to pay this alleged debt. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, prohibits collection agencies from attempting to collect debts that are not valid or that do not belong to the consumer. Specifically, the FDCPA prohibits any form of false representation of the character, amount, or legal status of the debt. Since I have no contract or agreement with XXXX XXXX XXXX, any attempt to collect this debt is in violation of the FDCPA. 

Please conduct a thorough investigation of this matter. If XXXX XXXX XXXX can not provide evidence that this debt is legitimate and that I am indeed responsible for it, you are required to delete this account from my credit report pursuant to the FCRA. 

I request that you provide me with written confirmation once the investigation has been completed and the inaccurate information has been removed. 

Thank you for your prompt attention to this matter. I expect this issue to be resolved as soon as possible, as it is damaging to my creditworthiness and does not reflect my actual financial history.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Subject : Dispute of Verification Results and Request for Full Validation Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB Representative, I am writing to formally dispute the results of a recent account verification provided to me regarding an account with XXXX. I previously requested full validation of this account, but instead, I only received a basic verification. As per my rights under the Fair Credit Reporting Act ( FCRA ), I demand validation that includes physical proof that this account belongs to me. 

This issue is especially concerning because I am a XXXX, and mistakes in reporting are possible. I request physical documentation proving that the account associated with the details below is correctly attributed to me : Account Information : XXXX Account Number : XXXX Credit Bureaus : XXXX, Experian Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Date Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Balance : {$0.00} Please provide the original signed contract or any other supporting documentation showing that I am responsible for this account. If the company can not validate the account with appropriate proof, I request that this account be promptly removed from all reporting credit bureaus. 

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, GA XXXX I kindly ask for your immediate attention to this matter. Please notify me once the validation has been provided or the account has been removed. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-03-28
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (UT)

My mother had a reverse mortgage through Financial Freedom a division of CITI, after she passed away I worked with Financial Freedom to inform them of the passing and the trusts intent to sell the home to settle the lien owed. I was informed that I had 6 months to square away the property and that I could apply for two 90 day extensions. After three months they ( Financial Freedom ) referred the home to foreclosure. I was told it was just a formality and that I indeed had 6 months with the two extensions. I hired a real estate agent to sell the property and notified FF that the home was up for sale. Because of the pending foreclosure I was place in an interesting position with trying to sell the home. I received only low offers on the home and countless ad 's from attorneys offering to " save the property. ' On XX/XX/XXXX I faxed over my request for my first extension under HUD 's guidelines. The extension was due XX/XX/XXXX. I called FF the following week to check on the status of the loan and was told I had been denied. When I asked why they stated that I had not gotten the request to them in time. The agent admitted in a recorded phone call that the request had sat on the fax machine for 4 days before anyone had found it. Also, they were unwilling to stop the foreclosure and auction of the home. And now with an auction pending, I received offers far less then the asking price, an average of {$100000.00} below market value. It took over three weeks to find out the status of the loan with FF due to their lack of response, I called 12 times between XX/XX/XXXX and XX/XX/XXXX every time I was told " there was no one available to talk to me. '' With the auction pending I took out a personal loan on behalf of the trust and paid off the lien in order to complete a sale of the property. Even after the loan was paid in full FF failed to send any payoff to notice to the trust and ignored 6 attempts by my title company to request a letter stating that the loan had been paid and they were issuing a reconveyance of the title in order to sell the home. It was only when I retained an attorney that FF provided a payoff statement.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My account with XXXX XXXX TRANSUNION 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 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 to be 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. 


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


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


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


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (FL)

On XX/XX/year>, I applied for a vehicle loan with Carvana and was shocked to find that I was being forced to provide a down payment in clear violation of federal law. As part of my consumer credit transaction, Carvana unlawfully required a down payment, despite 15 USC 1662 ( b ) prohibiting such demands unless universally applied to all transactions.

This not only violates the Truth in Lending Act ( TILA ), but also demonstrates fraudulent business practices that harm consumers.

After submitting my application, I spoke with two different Carvana representatives over the phone which is recorded and advised them that the call is being recorded also via text message, explaining that under the law, no down payment should be required for a consumer credit transaction unless this rule applies to all transactions across the board. Not only did I outline the specific violation under 15 USC 1662 ( b ), but I also referenced that Carvana was acting fraudulently by selectively applying these terms.

Despite my clear explanation of the law, both representatives failed to provide any assistance or resolution. In fact, I have screenshots of text messages where the word down payment is explicitly mentioned by the representative, along with a recorded phone call in which the Carvana employees acknowledged my argument yet still refused to rectify the situation. At no point was I offered the legally compliant option of purchasing the car without a down payment, as I should have been.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 Bank 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 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. Please delete immediately and send me all the original documents from the original creditors
Consumer complaint received 2024-10-02
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. (CO)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

On my XXXX XXXX report for XXXX I have a score of XXXX from XXXX and XXXX from Equifax. I have XXXX collections that are over XXXX XXXX XXXX. I thought these types of collections would have less effect on your score over time. And they have been chargedoff /closed. XXXX XXXX  used a lot of information that is outdated. 
Also, I was still working on my loan applicant but was denied anyway.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

( Fraud Block Request Declined - Document Submitted Not Acceptable ) I have already try requested information, and still after 4th, 5th time I still not able to resolve anything. Your company state that " Our goal is to maintain complete and accurate credit information ''. It's our commitment to you. You at this time have still reporting inaccurate information as of today, from my student loans amount that I paid down on, to late payments, to account that do not belong to me. 
I provided Arizona police report which is legal document. Per FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) ( B ), nowhere does it state that my police report needs to be signed. In Arizona police report are done automatically online. Then police report is sent to you via email after it get approved ( I have attached the FCRA Law for your reference ) I also attached my Identity Theft report from the website https : //www.identitytheft.gov/, which again is LEGAL document, and I can be prosecuted for false information, in which is valid identity theft report and LEGAL. 
I also attached my complaint to Arizona Attorney General- My Driver License, Copy My passport, Statement proof address, and Social Security In next 30 days if do not have access to my credit report, I will seek Legal actions, and you have incorrectly continued report inaccurate information to my credit report and not allow access to my credit report.