davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-30
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 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 REPOR
TING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

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 2019-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IA)

OCWEN now PHH refuses to process application stating missing documentation. The application specifically states what documentation is required of which was sent in with the application. Thye have delayed and wasted time by not processing based on receiving all required documentation in accordance to exactly what the application states as needed. Now I must resubmit documentation and application based on their delays and refusal to follow comliance laws based on expiring. 

In the early process an actual phone call had a person directly lie to me over the phone telling me " they have the entire application and were waiting on an amnswer ''. This is a continuation of previous complaint which still is not resolved. I will now have to pay additional costs to retain an attorney to sue OCWEN now PHH. 

Attached is the page stating required documentation. I have had an increase in Housing related expenses which requires no additional documentation. I was kind enough to add 2 paystubs with the original application. they are insisting on additional documentation including unobtainable documentation.
Consumer complaint received 2024-06-30
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. (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore this is also a violation of the Privacy Act of 1974. I, the consumer have informed the credit agencies and the creditor that per the FCRA as a federally protected consumer I am opting out of any and all authorization i the consumer may haven given them written, non written, verbal and non verbal per 15 U.S.C. Section 6802 and 16 C.F.R. 313.7 ( f ). The creditor has failed to respond to my request for validation, notice of billing error, to provide an application and promissory note, to provide me with full accounting and to answer if this account is a loan. According to XXXX XXXX XXXX this alleged collection is not the result of a credit transaction and should not be on I, the consumers consumer report. Also it should be noted that I, the consumers identity was stolen and used to create credit unknown to me the consumer and this creditor has refused to provide me the consumer any information about the transaction. It is my opinion that XXXX XXXX is a rush to judgement into a default judgement which is against the law and it is also a violation of Constitutional due process. Who received the loan? Why is the terms 0 months? And what was the original loan amount that was received because I the consumer didnt receive any funds from the transaction. Without this creditor providing me, the consumer valid and relevant information I, the consumer have no other ways to understand what, who and why this alleged debt exists. This creditor and the credit agencies have damaged my reputation with the banking industry thus hurting my ability to get good interest rates and be approved for credit. This is not full transparency. Please investigate this issue post haste so I can collect more information to file a police report etc. and remove this inaccurate and false information from my consumer report. I would also like the method of verification used to verify this alleged debt and I want the original wet ink signature contract showing my, the consumer signature on it that is supposed to be on file. Be advised that per 15 U.S.C. Section 1681 ( n ) the alleged creditor and the credit agencies that it is {$1000.00} per violation. Respectfully.
Consumer complaint received 2024-07-01
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. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-07-01
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. (MS)

This is a list of all hard inquires that are reporting to my XXXX, XXXX, and TRANSUNION which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also XXXX, XXXX, and TRANSUNION all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (TX)

CFPB Wells Fargo Complaint While I was living out of state before moving to XXXX, XXXX I was asked by my new XXXX landlord to send XXXX rent through XXXX XXXX Partnership with XXXX. As a first time user of this process, I had to split my payments in two 24 hours apart. 

XX/XX/XXXX : Submitted payment for {$500.00} XX/XX/XXXX : Submitted payment for {$150.00} XX/XX/XXXX : Landlord advised money was sent to a closed bank account with XXXX XXXX by accident and money should be returned based on an email they received from XXXX XXXX. 
XX/XX/XXXX : Received {$150.00} reversed to my account XX/XX/XXXX : Called and filed Claim with Wells Fargo for missing {$500.00} XX/XX/XXXX : Wells Fargo closed claim showing money was deposited into landlords account successfully without error. 
XX/XX/XXXX (? ) : Called Wells Fargo Claims who advised they would not reopen claim, but I could fax any documentation I had regarding my distribute. 
XX/XX/XXXX : Faxed Wells Fargo a copy of the email Landlord received from XXXX XXXX showing the payment of {$500.00} was rejected and would be returned to me. 
XX/XX/XXXX : Called Wells Fargo back who advised the Claim Remained Closed and suggested my landlord file a claim with her bank. Wells Fargo states they never received a refund from XXXX XXXX and would not credit my account. 

Landlord opened up her own claim with XXXX XXXX in the meantime. 

Landlord went to a Wells Fargo Branch and asked for me to do the same to see if they could provide more assistance locating and returning the missing {$500.00}. 

XX/XX/XXXX : Went to Wells Fargo Branch and the local banker called their claims department who reopened the claim. 
XX/XX/XXXX : Wells Fargo closed claim. 
XX/XX/XXXX : Received letter from Wells Fargo that they closed the claim the same day it was reopened ( XX/XX/XXXX ) reiterating that the payment was successfully deposited. The letter was mailed to my old address in XXXX and it took time to be rerouted to my new address in XXXX   even though I had already updated Wells Fargo with my current address. 
XX/XX/XXXX : I notified my Landlord and the Wells Fargo bankers who assisted us and informed them of the outcome. 

Landlord followed up with XXXX and with XXXX XXXX. 

XX/XX/XXXX : Landlord followed up vie email again stating she had visited XXXX XXXX who is asking me to get the account number Wells Fargo alleges the payment was deposited into. 
XX/XX/XXXX : Spoke to attorney who recommended I file a claim with the Consumer Financial Protection Bureau. 
XX/XX/XXXX : Called Wells Fargo Claims who advised they can not provide an account number for the XXXX XXXX deposit as XXXX uses secure payment tokens. Wells Fargo advised they will have their accounting department look for any returned funds that have not been successfully matched to an account holder, but would not guarantee a resolution.
Consumer complaint received 2023-11-06
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 4 business days after the date of receipt.
Consumer complaint received 2024-07-01
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. (TX)

In accordance with the fair credit reporting act XXXX  XXXX, Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-07-01
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. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-07-01
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. (CA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XX/XX/XXXX
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

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

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX - XXXX XXXX : # XXXX, XXXX - XXXX XXXX  : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, and the XXXX XXXX  # XXXX has violated my rights. 

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

15 U.S.C 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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Doing an investigation on my credit report, I found several items on there to be inaccurate. Any inaccurate information shall promptly be removed per 15.U.S. Code 1681 The following accounts and personal info are not being reported correctly. Please remove them : Personal information XXXX XXXX XXXX XXXX NC XXXX ( not my address Please remove ) XXXX XXXXXXXX ( wrong information reported please remove ) XXXX  XXXX ( wrong information reported please remove ) XXXX XXXXXXXX ( wrong information reported please remove ) XXXX XXXX XXXX ( wrong account information please remove ) XXXX XXXX XXXX ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove ) XXXX XXXX  account ( wrong account info please remove XXXXXXXX XXXX  account ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove )
Consumer complaint received 2024-06-30
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. (OH)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-06-30
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)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 2024-06-22
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. (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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.