davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
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 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 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 reported 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. 


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 2024-06-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit, Inc (GA)

Subject : Complaint against Audi Financial Services regarding misleading communication and improper debt collection practices Date of incident : XX/XX/XXXX - Present Complainant : Complaint Details : 1. On XX/XX/XXXX, my Audi vehicle was totaled by a XXXX renter. 

2. In late- XX/XX/XXXX, Audi Financial Services ( AFS ) instructed me via their online portal message to stop making payments on the vehicle, pending the conclusion of the insurance claims in-process at that time. 

3. An AFS representative verbally confirmed this instruction over the phone, stating they do not want me to overpay during the insurance claim process. 

4. My last payment was made on XX/XX/XXXX. Subsequently, AFS closed the payment portal for my account, making it impossible to access and make further payments. 

5. The insurance company ( XXXX ) paid the fair market value for the vehicle, leaving a balance of {$11000.00}. 

6. My GAP insurance claim was denied on XX/XX/XXXX, due to circumstances beyond my control. 

7. For six months following the denial of the GAP insurance claim, I received no communication from AFS or any other entity regarding how to pay the remaining balance due to Audi. During this time period I received regular communication with Audi regarding my second vehicle. 

8. On XX/XX/XXXX, I unexpectedly received a collections notice from XXXX XXXX XXXX, stating that the account was delinquent and had been placed with their office for collections. 

10. I intend to dispute this debt and request validation from the collection agency. 

Requested Resolution from CFPB : 1. Investigate AFS 's failure to provide clear instructions for handling the remaining balance after the insurance payout. 
2. Review the appropriateness of sending the account to collections without prior notice.

3. Require AFS to improve their communication practices with customers in similar situations. 
4. Assist in resolving the outstanding balance without negatively impacting my credit score, given the misleading instructions I received from AFS. 

I can provide additional documentation to support this complaint if required.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

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

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

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-02
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (CA)

On XX/XX/2024, Freedom Debt Relief made its first withdrawal 0f {$150.00} from my checking account. On that day, or a day later, I called FDR customer service to ask the amount that must be accrued toward this program to trigger start of negotiations with my debtors. I was ignored!
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2024-06-24
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)

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 

I told/informed XXXX, Transunion, and XXXX to reinvestigate and or remove these accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Consumer complaint received 2023-12-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

on XX/XX/XXXX, I received a flag on my credit report that I.C. Systems placed a collection flag on my credit report, and as a result my credit score dropped XXXX points. Up to this point I had not been contacted in any form ( postal mail, email or via telephone ) by I.C. Systems, and when I called the contact number from my credit report, they informed me they were collecting on a debt from XXXX for an account that resides in Illinois. I informed them I do not now, nor have I ever lived in Illinois, and they said there was nothing they could do that I would have to file a fraud claim with XXXX which I have done to resolve the issue. 

I have not ever resided in Illinois at the service address for the collection account, I.C. Systems did not at any time try to contact me to validate that the debt belonged to me, they just matched my name and took a chance that this account belongs to me which it does not.
Consumer complaint received 2016-02-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CBV Collection Services Ltd. (AZ)

First I felt I was getting no cooperation from the XXXX the credit bureau. I kept getting Verified, No Change letters but no documentation of how determined despite having asked several times. In a phone call XXXX finally says there is no documentation. The documentation lies with the creditor and the creditor does not have to provide TransUnion with that documentation. XXXX XXXX XXXX has continued to respond to XXXX on a debt showing last activity in XXXX of Verified, No Change with erroneous activity reported for XX/XX/XXXX - XX/XX/XXXX submitted, reporting a first deliquency in XX/XX/XXXX ( and then closing the account XX/XX/XXXX ). When I try to contact XXXX XXXX XXXX directly they only tell me they sold the debit XX/XX/XXXX ( already well past the 7 year reporting date ) and refuse to do anything to assist me. They wo n't write me a letter stating who they sold the debt to so I can provide to the credit bureau, they wo n't report it to the credit bureau, they wo n't remove the information on my credit report being reported in their name. They will only tell me it was sold to CBV Collection Service XXXX which only goes to a busy signal everytime I try to call. I do have records of this number calling back in XXXX. Again last payment history XX/XX/XXXX should have already been long off my credit report and no legal liability existed due to statue of limitations at the time XXXX sold the account showing on my credit report ( only XXXX of the XXXX ). I feel TransUnion and XXXX XXXX XXXX could have fixed this and if issue of this reporting is with CBV Collection Service then fraud in re-aging the account. I found a CBV Collection Service online with a different toll free number based out of XXXX with complaints and actions against it but not one answers even though says business hours. When I discovered this error several years ago ( disputed 7 times so far over 2 years ), it cost me hundreds of thousands of dollars in financing and tens of thousands more since then.
Consumer complaint received 2023-12-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: NEXA Mortgage, LLC (UT)

NEXA mortgage, specifically XXXX XXXX. He wrote a preapproval on a scratch piece of paper. Stated an FHA loan could be approved while having a rental property, said a vehicle did not need to be paid off, ordered incorrect appraisal. Two days before we were supposed to close, called and said vehicle needed to be paid off. Paid off vehicle, next day received a call that the only way to move forward with loan was an extra XXXX. Reached out to realtor and her recommended lender, they did some digging and found that XXXX ordered the incorrect appraisal for an incorrect amount, home appraised for less due to this. Even with a rushed appraisal it took appraiser 4+ times to get the correct documents or any documents from XXXX XXXX seller was unwilling to go down to that appraised amount. The. Learned XXXX did not do any of the work we were told he had done. XXXX lied throughout the entire process and said we qualified for more than we did, days before closing he said theres no way to close this deal. Also had a gift be deposited directly in my account, instead of wiring the day of closing. XXXX is a liar and has refused to respond to correspondence. XXXX just sent me a credit denial when HE was the one that screwed up. This should have been a termination. Credit was adequate and everything on my end was correct. Out thousands dollars due to his incompetence and lack of involvement. Had to reach out daily to find out what was happening, and continued to be lied to. Ended up losing the house, time and money.
Consumer complaint received 2023-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (CA)

Previous complaint # XXXX wher.as closed when they received a response from Mr. Cooper. It is obvious that you did not read the response because they confirmed they are charging me approx. {$4000.00} for an insurance policy that cover XXXX other properties. Mr. Coopers letter even states they confirmed I did not have a lapse of policy. My agent have faxed the policy 5 times. I, today, am having to fax the information again. 

The last time this happened, Mr Cooiper charged me forced insurance when I had a policy in place. It took me 3 years to get them to acknowledge the duplicate insurance and I still have not received the check for approximately # XXXX. 

I need to speak to someone regarding this problem. Mr Cooper makes it impossible to reach a customer service rep. I have had to go thru their automated system for XXXX minutes to reach someone. I am getting nowhere. Do I need to get a politician involved to stop the abuse by Mr. Cooper, Help! 

XXXX XXXX
Consumer complaint received 2024-07-04
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. (NY)

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 2024-06-27
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)

Recently, I discovered that I am a victim of identity theft, there are fraudulent accounts I did not open on my credit report. This has caused me significant distress and hardship. These fraudulent accounts are hurting me deeply, preventing me from improving my quality of life for myself and my family. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  who came here seeking a better life, this situation is devastating. It feels as though the credit bureaus and creditors are not taking my plight seriously, possibly due to the commonality of XXXX XXXX, which smacks of discriminatory practices contrary to the Equal Credit Opportunity Act. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C. 1681i sections 611, 15 U.S.C. 1681s-2 sections 623, 15 U.S.C 1681 section 602 A, and 15 U.S.C. 1681s-2 ( A ) ( 1 ). Please delete the fraudulent accounts immediately. I believe these fraudulent activities are a direct result of the XXXX data breach which led to Transunion having inaccurate accounts on my report. Despite being affected by this breach. This failure to notify me has left me vulnerable and unprepared to address the fraudulent activities in a timely manner.
Consumer complaint received 2024-06-26
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. (MI)

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 XXXX Account Name : XX/XX/XXXXXXXX Account XXXX Account Name : XXXX XXXX FIN Account XXXX Account Name : XXXXXX/XX/XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights . Or a list of inquiries : 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 2024-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-26
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)

This is my XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-26
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. (NY)

Incorrect Name : XXXX XXXX XXXX INCORRECT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX AV XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX This account needs to be validated XXXX 
XXXX  XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX XXXX XXXXXXXX Account XXXX This account needs to be validated. 
XXXX XXXXXXXX XXXX Account XXXX This account to be validated. 
XXXX XXXX XXXX XXXX Account XXXX This account to be validated. 
XXXXXXXX XXXX Account XXXX This account to be validated. 
XXXX XXXX Account XXXX This account to be validated XXXX XXXX  XXXX Account XXXX This account to be validated XXXX XXXX XXXX XXXX Account XXXX