davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX TRANSUNION 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 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 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 2024-10-01
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. (CA)

In accordance with the Fair Credit Reporting Act Convergent ( XXXX XXXX XXXX XXXX -account # XXXX ) ( Direct Credit Control - account XXXX XXXXXXXX ) ( XXXX XXXX Recovery- account XXXX XXXX ), have 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.
Consumer complaint received 2024-09-30
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 am submitting this complaint to request the removal of inaccurate late payments reported by XXXX XXXX for the months of XXXX, XXXX, and XX/XX/year> from my credit report. These late payments are having a significant negative impact on my credit score, and I believe they are not accurately reflecting my financial situation during that period due to extraordinary circumstances brought on by the COVID-19 pandemic.

During the specified period, I faced severe financial hardship caused by the pandemic, which temporarily affected my ability to make payments on time. Under Section 4021 of the CARES Act, consumers like myself, who entered into any form of relief agreement with their creditors, such as deferments or forbearances due to COVID-19, should have had their accounts reported as " current '' on their credit reports, provided they were complying with the terms of such agreements. 
Despite this legal protection, XXXX XXXX continued to report these payments as late, which I believe is an error in the handling of my information. The continued presence of these late payments on my credit report is unjustly damaging my credit score, resulting in higher interest rates, reduced access to credit, and additional financial difficulties.

According to the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), credit reporting agencies and information providers are required to ensure the accuracy and completeness of the information they report. Furthermore, the FCRA, along with 15 USC 1666 ( b ) and 1637 ( b ) of Title 15, protects consumers by requiring the correction of any errors or inaccuracies.

I have already disputed this information directly with the credit bureaus, but the late payments remain on my credit report. Therefore, I am seeking the assistance of the CFPB to intervene and ensure that these late payments are removed in accordance with the legal protections provided by the CARES Act and the FCRA.

Please find attached copies of the letter sent to the credit bureau with my credit report highlighting the disputed late payments, as well as any relevant supporting documentation. I respectfully request that the CFPB assist in the removal of these inaccurate late payments from my credit report to restore the accuracy of my credit history.
Consumer complaint received 2024-09-30
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. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} - XXXX  XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} - ChargeOff XXXX : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} - Collection XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} - ChargeOff TransUnion : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} - Collection XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} - ChargeOff
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX has ask clarity services to unfreeze my clarity report. I have written 3 letters with all verification documents to remove freeze and issue me a new PIN number seeing as I misplaced my old one. This is an affecting my credit worthiness an has caused me to miss employment opportunities because clarity services will not remove freeze..
Consumer complaint received 2024-09-29
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 recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX  open XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Consumer complaint received 2024-09-28
Product: Credit reporting 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. (MN)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX  XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting
Consumer complaint received 2024-09-27
Product: Credit reporting 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. (TX)

There are errors on my credit report that I believe conflict with 15 USC 16c-2, and they are affecting my creditworthiness. The hard inquiries reflected were not approved by me.
Consumer complaint received 2024-09-28
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)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two personal credit cards opened with XXXX XXXX  on XX/XX/XXXX, a credit card opened with XXXX XXXX on XX/XX/XXXX, and a personal loan with XXXX XXXXXXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of aggravated identity theft.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX  I have filed a complaint against Bank of America for opening an unauthorized card in my name. 

XXXX XXXX XXXX XXXX In the end, Bank of America admitted that the employee opened a card in my name without my permission as the recording showed that I declined on 5 different occasions. 

However, the supervisor had the card closed out at the credit XXXXXXXX XXXX with the false statement that client ( me ) requested the card to be closed, while i never ordered a card so that should have been closed out as Bank of America unauthorized opening a card in my name. That caused my credit score to drop down by XXXX points resulting in higher interest charge for a mortgage I was going to apply for and ended up not getting due to the additional cost. But i got a private loan instead. 

I have spent today almost 2.5 hours and have been transferred numerous times to the wrong department to see if I'm included in the compensation that Bank of America is ordered to pay out for unauthorized credit card and other wrong doings. 

Since even the 4th transfer was to the wrong department, I felt I have no other choice than to file a complaint as I don't have all day to try to speak to the right department. Please have Bank of America reach out to me. I have the complaints that were filed through this website on file, and they are showing that what I'm communicating is correct.
Consumer complaint received 2024-09-27
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XX/XX/XXXX I applied for a Capital One Savor credit card which was listed on the XXXX web site with a {$200.00} cash back after you spend {$500.00} on purchases within 3 months after account opening. I spent {$670.00} the first statement and have continued to spend and pay the account balance off each month. I called on XX/XX/XXXX to see why no {$200.00} bonus cash back has been applied. XXXX said she would have to start a case to get a manager to determine why the bonus hasn't been applied. Today XX/XX/XXXX I received a call from XXXX saying that I can't receive the cash back bonus because I wasn't approved for the correct type of card. He appeared to be saying that my credit rating was not high enough to get the correct card. This was news to me as the creditwise section of the capital one app says my credit score is XXXX. He also said that Capital One has this type of issue with the XXXX XXXX site advertising bonuses that are not actually available. So he implied this was XXXX 's problem. I asked him to close the account since the bonus was the deciding factor between this card and several others. He closed the account today XX/XX/XXXX. From searching online I see there is a class action lawsuit open in California in regard to this card and Capital One failing to pay the bonus.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying for almost 2 years to access my Trans Union report with no results. I have been told I had to pay ( which I did ) after paying for the monthly subscription I was still unable to get any information. I have been told to wait on the escalation department to resolve it and to date nothing has happened. Its my right and responsibility to ensure my report is being reported correctly and they are stopping me. I have submitted everything they asked to verify my identity and still getting the same error.
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I was in forbearance with Select Portfolio Servicing. During my forbearance I was told that I had to pay {$390.00}. I would like to know where did they come up with {$390.00}? That is about the same I owe for taxes every month. I owe $ XXXX dollars or so in escrow fees. Why do I owe so much for my escrow when {$390.00} went to taxes. This is an offshoot of complaint # XXXX
Consumer complaint received 2019-12-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

My home was awarded 100 % exclusively to me during a divorce by a State District Court Judge here in Texas. I had to provide a quit claim deed from her and did so releasing her from any obligation on the loan according to Texas State law and according to the Judge 's order. 

I sent the decree of Divorce and the quit claim deed to PennyMac along with a trove of other ditrius and paperwork like nine days of bank statements et cetera. 

All of this was turned in and carefully checked off according to a PennyMac statement.

Several PennyMac Assumption team " specialists '' confirmed that I had indeed turned everything I and my ex-spouse needed to turn in. Several of these people told me my wife 's name would be removed from the home in a matter of days. This was two months ago. Now these " specialists '' won't return my calls and I can do nothing with my home because PennyMac refuses to remove my wife 's name from our mortgage in defiance of a State District Court judges order. I can do nothing with my home to include refinancing it, or selling it.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Hi EQUIFAX, I woke up today and check my credit report and I seen all those fraud inquiries that shall delete from my credit report. Those inaccurate fraud inquiries were not authorized by me. 

XXXX XXXXXXXX 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/year>
Consumer complaint received 2024-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

On XX/XX/year>, I submitted my XXXX 2024 application and approval receipt and later provided all required financial aid documentation to the school as requested. Despite my efforts to inquire about my award of financial assistance status on XX/XX/year>, I received an email from XXXX XXXX informing me that I would receive further information about my financial aid package, which I am still waiting to receive. Despite reaching out to the office of financial assistance, I have been told that they are working to process my award soon and that the monetary award will be posted on my account by week XXXX of the current term, which is approaching its end. 

This delay is causing me significant financial stress, and I urgently need a resolution. Despite my multiple attempts, I have yet to receive any assistance, explanation of the delay, or a plan regarding the balance on my account, which I can not pay, and the school is aware of this. I am only XXXX classes away, including the current one, from XXXX  ; however, without the school being proactive in resolving this issue, I won't be able to register for the last XXXX courses due to financial neglect from the school. This situation has been causing me sleepless nights, unnecessary stress, and discouragement. I need assistance with this matter as soon as possible.
Consumer complaint received 2024-09-10
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. (PA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

I requested a " qualified '' review of my mortgage including escrow and reimbursement for fees paid to make payments through the company web site. The company has delayed and has sent letters extending the time to review the issues. I first sent a " qualified written request '' in XXXX 2016, I received the third notice extending the time to XXXX XXXX. This is an unreasonable delay in resolving and reviewing.
Consumer complaint received 2017-01-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vital Solutions, Inc. (NC)

I get a call from Vital Recovery every day. The number is XXXX. They are trying to collect a debt from XXXX XXXX. There is no XXXX XXXX associated with my phone number. I have repeatedly told everyone who calls to remove my number because there is no XXXX XXXX at my number. Still the calls continue literally EVERY day.
Consumer complaint received 2017-02-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

My mom cosigned a few loans for me through Navient, so that I could get approved to be able to go to college. We did it with the understanding that I can repay after graduation through an income-driven repayment plan. I only found out after I graduated that they base the income-driven plan off of both my husband and I, and my mother 's income. My mom does n't contribute a single penny to the student loan bills. My husband and I pay them. I called Navient to lower payments by taking my mom off as a co-signer so I can have lower monthly charges based on my true income. That was when I found out I need to have 12 consecutive months of paying each individual loan before I can take her off as a cosigner. Until then, they 'll always add her extra $ XXXX gross income a year onto our {$19000.00} annual income, resulting in double the amount due every month than what I can afford. Throughout the term of the loans so far, I 've had to defer them due to hardships and moving across country, but one time I did that, they said I could defer a loan for 3 months, but my charges came back a month early. I also found out after the fact, that deferring resets the clock so that I have to start the 12 consecutive months of payments all over again. So basically I 'm stuck paying double what I should be paying every month because they wo n't take my mom off as a cosigner, because they were n't honest up-front about what happens when you defer. They had falsely advertised about income-driven repayment plans by failing to mention in the beginning that even if your parent does n't pay the student loan bills, you still have to repay based on your parent 's additional income!