davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AL)

I issued a complaint concerning Mr Cooper mishandling of my escrow funds. 

Compliant ID : XXXX Mr Cooper 's response to the above mentioned complaint : After a thorough investigation into this matter, Mr. Cooper found that we disbursed funds in the amount of {$2100.00} on XX/XX/XXXX, to pay your County Taxes for the year of XXXX in error. On XX/XX/XXXX, we contacted the XXXX XXXX XXXX XXXX and confirmed that there is a refund available due to the duplicate payment. Please allow 30-60 business days for the refund to be received and deposited into your escrow account. We sent you a letter on XX/XX/XXXX referencing the above information. 

Since this loan originated in XX/XX/XXXX, a new Escrow Analysis will not be generated until XX/XX/XXXX. This means that your current monthly payment of {$2700.00} will not be effected by the duplicate tax payment. We recognize that excellent customer service is key to our continued success, and we apologize for the specific experience you have encountered. It is not the experience we wish to create for any of our customers. We view your correspondence as an opportunity to evaluate and improve the service we provide to all customers. Thank you for bringing it to our attention and allowing us to address it. 

LOAN NUMBER : XXXXXXXX XXXX* I received today XX/XX/XXXX in the mail from Mr Cooper an Escrow Review Statement dated XX/XX/XXXX. First the funds have not been returned to my Escrow account. And, 2nd they are increasing my monthly payment by {$170.00}.
Consumer complaint received 2024-06-22
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. (DE)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (KY)

I reported a fraudulent purchase to Chase bank back on XX/XX/XXXX for the amount of {$1400.00}. They returned the funds to my account and told me that the money would remain in my account until the investigation was over and a determination had been made. On XX/XX/2023 I got an email saying that my claim had been overturned and that the amount of {$1400.00} would be taken out of my account because the merchant had evidence the transaction was valid. The email also went on to say to contact Chase Bank Claims Department if I would like to request the information they used for the research of my claim. I have contacted the Chase Bank claims department at least 6 times since XX/XX/2023 to request the information used to research my claim and still have not been sent the information. Every time I call the claims department they apologize and tell me that they will resend the information to my address and that it will be at least 10 business days before I get the information. I have confirmed my home address with Chase Bank at least 5 or 6 times and for some reason they can not get me the information that I am requesting. I have even spoke to a supervisor and still have not received the information I have requested several times. At this point I dont even believe that my claim was researched because I can not get the information to prove it. Im starting to believe that the Chase Claims Department just took the merchants word for it instead of researching my claim.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

In XX/XX/XXXX, I applied for my XXXXXXXX XXXX XXXXXXXX card because of the XXXX open card reward, after applying for the credit card online, I called the representative, and he confirmed that I would receive the XXXX K reward points in a few weeks. 

Fast forward to XX/XX/XXXX, I still didn't receive those reward points. In between XX/XX/XXXX to XX/XX/XXXX, I also called XXXX a few times to check the status of my reward points. They all told me i would get it in a few weeks. 

I called again in XX/XX/XXXX, but this time they told me there's no reward points for me. They didn't say why I couldn't get it! It was my XXXXXXXX XXXX card, I only had XXXX XXXX credit card before and i never miss payments, my credit score is great. After many phone calls and chats with them, I told them to listen to the previous phone call recordings, they finally told me i was getting those points in writing- in the chat. It was XXXX XXXX. 

Today, I still don't have it, I chatted with them again, but they told me I'm not getting my reward points. Out of all those credit card, I chose XXXX XXXX, and spent so much money on it. But they are dishonest, they lied to their customers, they have wasted so much of my time, I would never ever use another XXXX  credit card. I need my XXXX reward points, and I'm sure I'm not the only one who experienced this, hope this company get punished for doing that to their customers.
Consumer complaint received 2024-06-21
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)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection.
Consumer complaint received 2024-06-21
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. (FL)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-22
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. (NC)

On XX/XX/year>, I sent an investigation letter via certified mail ( XXXX ) to check if the XXXX XXXX collection account on my credit report was XXXX % accurate. On XX/XX/XXXX received notification from the TransUnion credit bureau stating that the account was properly investigated and reported as accurate but how is that possible if the account name, account balance, date of last activity, and last update are all inaccurate and inconsistent across the XXXX credit agencies? These are grounds for removal. 

TransUnion also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions and consent. I have not given these accounts written permission to furnish these accounts on my credit report. 

Additionally, I requested TransUnion to furnish me with a written verification featuring my signature on an actual contract with the aforementioned collection agency and hard copy documentation that corroborates the information being reported on my credit profile, mailed to me via XXXX to which they have not. 

The appropriate action for this account is to be removed immediately from my credit report. 

Attached please find supporting documents to my claim.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
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 Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account XXXX : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-06-22
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. (IL)

I am disputing these accounts and requesting an investigation since they are incorrectly reported on my credit file. According to the Fair Credit Report Act, I am entitled to {$1000.00} for each erroneous entry. Additionally, FCRA 605B mandates reporting any inaccuracies in a consumer 's report.
Consumer complaint received 2024-06-21
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 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 XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX 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 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 2024-06-21
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. (AL)

To whom this may concern, this is one of the countless times I have attempted to report unusual activity on my consumer report, however, I seem to get no response. According to the Fair Credit Reporting Act, it is a violation of my consumer rights ( ref. 15 USC 1681 ) for consumer reporting agencies to report information of my consumer report that I didn't authorize nor permit to be on my consumer report. 

The following inquiries I didn't authorize on my consumer report : TransUnion : 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/year> I WOULD LIKE FOR THESE ITEMS TO BE REMOVED FROM MY CONSUMER REPORT.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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

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

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to tre
at a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports.
Consumer complaint received 2024-06-21
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. (DE)

My name is XXXX XXXX XXXX. And this is not a third party filing this report. I have attached several documents for your review. Please see attached. There are several inaccuracies on my consumer report being reported by the following credit reporting agencies. XXXX, TransUnion, and XXXX. They have not did an investigation into this matter and they are violating my consumer protection rights by these inaccurate reportings.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In the scenario you've described, it seems that there are serious issues with inaccurate reporting by the consumer reporting agencies. Here 's a revised version of the response that brings up the relevant USC codes, failure to provide proof on previous disputes, and includes an invoice for damages with a demand for payment within 30 days : Subject : Formal Complaint Regarding Inaccurate Reporting and Violations of Consumer Rights Dear [ Consumer Reporting Agency ], I am writing to address the ongoing inaccuracies in my credit reports and the violations of my consumer rights by your agency. Upon reviewing my consumer reports, I have identified multiple accounts that are inaccurately listed as charged off, namely accounts numbered XXXX, XXXX, and XXXX. This inaccurate reporting is in direct violation of several provisions outlined in the United States Code ( USC ).

Specifically, your agency 's actions are in violation of the following USC codes : 1. USC 15 1681 - Fair Credit Reporting Act ( FCRA ) : This federal law mandates that consumer reporting agencies maintain accurate and fair credit reporting practices.

2. USC 15 1692 - Fair Debt Collection Practices Act ( FDCPA ) : This law prohibits abusive, deceptive, and unfair debt collection practices by debt collectors.

3. USC 26 6050P - Requirement to File Form 1099-C : This section outlines the requirements for creditors to file Form 1099-C in cases of canceled debts.

Despite my previous disputes and requests for proof of the accuracy of the reported information, your agency has failed to provide the necessary documentation. This failure to comply with the FCRA and FDCPA is unacceptable and further compounds the inaccuracies in my credit reports.

Moreover, I have suffered significant damages as a result of these inaccurate reports, including but not limited to lost opportunities, increased interest rates, and mental distress. Therefore, I am attaching an invoice detailing the damages incurred, totaling [ Amount ] USD.

Per the provisions of the FCRA and FDCPA, I demand that your agency rectifies these inaccuracies and provides me with a corrected credit report within 30 days of receipt of this complaint. Additionally, I expect full payment of the damages outlined in the attached invoice within the same timeframe.

Failure to comply with these demands will leave me with no choice but to pursue legal action to enforce my rights under the aforementioned USC codes. I trust that your agency will take this matter seriously and act promptly to resolve these issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
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 account with 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 me 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. 


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 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (MN)

Im a victim of identity theft and four of my major credit cards were used online transactions and other ways. I reached out all the credit companies however no action s taken so far and all those balances are added to my credit profile. This affects my credit score drastically and I couldnt able to get any credit services. Unfair credit reporting.