davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 2024-10-02
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. (GA)

I have been a victim of identity fruad since XXXX. Towards the end of every year I review my credit report just to make sure everythig is reporting accurately. I noticed that I had a hard inquiry on my report from this company. They sent me a letter asking for my drivers license and social. I declined and instead wrote them a letter XX/XX/XXXX via mail to inform them that this was fraud. I never applied to this company and I have no reason to. They fdailed to respond to me within the XXXX  days of notice. They refused to respond and kept the inquiry on all of my credit files.. I even contacted the credit bureaus about the matter and told them that I reached out to this company. My credit file reflected between XXXX and XX/XX/XXXX this inquiry was removed. Then it was placed back on my credit file which is illegal after I have communicated to them that this was fraud. I have attached the letter that was sent to them and proof of certified mail, and the letter that they sent me as well as prood that it was removed from my credit files
Consumer complaint received 2024-10-03
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-03
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. (CA)

I have over XXXX inquiries on transuion XXXX on XXXX and XXXX on XXXX that I did not authorize only inquiries that should be on my credit report are the one in which I have a open account. I did not authorize the other creditor 's to run my credit my information was stolen in data breach
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (VA)

In the winter of XX/XX/XXXX I went to Wells Fargo for a Pre-Approval letter to purchase a duplex investment property. The loan person XXXX spoke about what good investments rental properties are and said I would need to put up 20 % as a down payment as oppose to VA loans. She gave me a letter stating just that on Wells Fargo letterhead. I negotiated the sell price based on this information, went under contract and submitted it to the bank. Well after ratifying the contract, I got a email from XXXX listing addition items needed to proceed. The last bullet was a note saying " by the way, it 's not 20 % but 25 %. Needlessness to say, I was neither happy about the content, the mis-information or the manner in which it was now being made known. I complained to every level of Wells Fargo and told that nothing could be done but as a token appeasement for this multi XXXX dollar error, the bank would refund me the cost of the appraisal at closing. That did n't happen either. It toke about XXXX weeks. Flash forward to XX/XX/XXXX. I get a escrow shortage letter like none I 've ever seen before for this property. First of all, I have only had the mortgage a year. Secondly, the letter states that even if I pay the lump sum of nearly {$700.00}, my mortgage will still go up about {$70.00} a month and if I do nothing over {$100.00} increase! So I called for an explanation. First I was told that the shortage was caused by tax and insurance increases. I challenged that and the story changed. I have been told that the real reason is that at closing I paid for my flood insurance up front as I was directed to do. Wells Fargo was to escrow for the following year over XX/XX/XXXX and did n't. This is again a bank error and I should n't have to pay for it with a substantial monthly rate increase. I have again complained and have had communication with Wells Fargo 's corporate office. This process has been going on for some time and XXXX of deadlines for resolution have been extended. The last XXXX was XX/XX/XXXX. Got the the call. New date XX/XX/XXXX. It did n't take long to make these mistakes. I have been with this bank for 20 years and deserve better. Please Help
Consumer complaint received 2024-10-02
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)

I was reviewing my credit report when I suddenly have encountered these unauthorized inquiries that I never permitted for any of these companies to pull. It's stressing me out because these are not supposed to be here, and it's affecting my credit scores.
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

In XXXX, without notice, Bank of America force closed XXXX of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on one of them. 

Fast forward today, I noticed a derogatory mark on my XXXX report. I called into Bank of America today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

Bank of America offered to submit a form to expunge this record from my XXXX report, but stated that because it was in collections, I could not pay off the {$25.00} to BoA but instead needed to go through XXXX to find the collection agency and pay off the balance there. I called XXXX to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. XXXX claimed that the balance was not in collections. 

Lo and behold, Bank of America also failed to notify me that they reported the " delinquency '' to XXXX as well. Now I am not sure if they reported it to XXXX or any other agencies. After spending an hour with XXXX to dispute the mark, I found it ridiculous that I had to clean up Bank of America 's mess. This should be Bank of America 's responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and Bank of America is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set Bank of America straight.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute inaccurate information being reported on my credit file by XXXX XXXX. The account in question was opened on XX/XX/year>, but the application was revoked prior to any activity. The account was closed by the grantor on XX/XX/year>, with no payments, transactions, or any other account experiences ever recorded. It is currently showing a {$0.00} balance with a {$1500.00} credit limit, and the account status is listed as " Closed by Credit Grantor. '' The continued reporting of this account violates several provisions under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as no permissible purpose exists for this account to remain on my credit report. In accordance with FCRA Section 604, permissible purpose must be established for any entity to access or report information on my credit file. Given that this account was revoked before any use or responsibility, there is no justification for the account 's continued presence. 

Additionally, under the FDCPA, any information furnished must be accurate and complete. The absence of any payments, transactions, or experiences with this account further solidifies that this reporting is incomplete and misleading. 

I respectfully request that this account be removed from my credit report immediately due to its erroneous and incomplete nature.
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (OH)

I think the first contact I received was around the Fall of XXXX. The caller introduced herself as being with XXXX XXXX through originally XXXX XXXX, later transferred to Barclays and then to XXXX XXXX XXXX She informed me of a credit card that was overdue for payment. I explained that I had never applied for XXXX XXXX. In fact I have a XXXX account that only had my personal debit and local bank card attached to it and that I didn't need a XXXX  credit card. I asked her what the charges were for. She stated XXXX services for the amount of {$4900.00}. I told her that I live in a rural farming community and XXXX isnt accessible. Furthermore I have my own vehicles and don't need XXXX services. She asked if I had ever used XXXX ever. I stated I had in XXXX one weekend and in XXXX, but my XXXX account is only connected to my personal bank account. We went back and forth. She asked me if I thought this was fraud. I stated yes. I never heard back until XXXX of XXXX. I again explained the situation. I was asked if I would be willing to fill out an affidavit and I said yes. I did that, had it notorized and returned it. I never heard another word until XXXX of XXXX from XXXX XXXX XXXX. At that time I forwarded the affidavit. I followed that up with a letter from an attorney and they have never replied. I would like to get this issue resolved. I would like my credit cleared and I am getting no where.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint to address inaccuracies and violations in the reporting of several accounts on my credit reports by various creditors and credit bureaus. The following accounts are being reported incorrectly, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Account 1 : XXXX XXXX XXXX Violations : XXXX XXXX XXXX continues to report a derogatory account on my XXXX and XXXX credit reports, despite the fact that TransUnion has deleted this charge-off. The creditors have failed to ensure the accuracy of their reporting as required by the FCRA ( 15 U.S.C. 1681 ). XXXX and XXXX are actually non compliant and are being negligent by not following suit violating 15 USC 1681N Civil liability for willful noncompliance The account was not properly validated, and I was not provided any notice or opportunity to dispute the account before it was placed on my report, violating 12 CFR 1006.34 ( b ) ( 5 ), ( c ) ( 4 ) ( i ), and ( d ).

Resolution Requested : I request that XXXX and XXXX immediately delete this inaccurate information from my credit reports to ensure compliance with federal regulations. 


Account 2 : XXXX XXXX ( Original Creditor : T-Mobile ) Violations : The debt collector XXXX XXXX has reported a collection account on all three of my credit reports without ever providing validation of the debt or the required notice, in violation of 12 CFR 1006.34. 
The account was placed without giving me the opportunity to dispute it and is therefore misrepresenting my creditworthiness, violating my rights under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ).

Resolution Requested : I request that the credit bureaus remove the collection account due to its inaccurate and unverified nature.

Account 3 : XXXX XXXX Violations : The account number associated with this XXXX XXXX credit card is being inaccurately reported. This inconsistency breaches the requirement for accurate information under the FCRA, 15 U.S.C. 1681. 
XXXX XXXX has not clarified nor provided adequate validation. The conflicting details of the account number and reporting raise concerns about the legitimacy of this account. 
Resolution Requested : I request the immediate deletion of the reported account and that the incorrect XXXX XXXX account be removed from my credit reports.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX  XXXX. 
Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX  Acct XXXX - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I reviewed my consumer report and noticed some late payments on there from XXXX XXXXXXXX. Consumer reporting agencies have assumed a vital role and have responsibility to report complete and maximum accuracy on a consumer report in complete with regards to 15 USC 1681e. Furthermore I am demanding the late payments be deleted and the XXXX XXXXXXXX account be marked Paid As Agreed in accordance to 15 USC 6802 and 15 USC 1666b which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-10-03
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)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-10-02
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. (GA)

I have been contacting all three credit bureaus since the year XXXX Regarding This account and all the inaccuracies they have been reporting since I have noticed since XXXX. I have disputed this account several times with all three credit bureaus and XXXX XXXX. I have requested debt validation, and I have never received that, I have requested a 1099C and notified them I have never received a 1099C. This account has been removed but also Violated the FRCA because I was not notified when it was reinstated. Over the years they have removed some of the inaccurate things but, continue to report inaccurate information. Some companies are reporting repeated charge-offs and repeated repossession. Each company always replies back to my disputes that, the account has been verified, and clearing it has not been verified, if they are reporting repeated charge-offs and repeated repossession on this account. They have not sought to get a 1099C from the company that is reporting the charge-offs. 
I have contacted all three credit bureaus, regarding the same issues and their reply would be, that they have verified the account as accurate. which having repeated charge-off and repossession on your credit file is illegal and damaging to my creditworthiness. According to the FCRA, all these companies that I have named above violate these laws. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Obligates furnishers of information ( such as creditors ) to report accurate information. 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy. 15 U.S.C. 1681i ( a ) ( 5 ) Expedited Dispute Resolution 15 U.S.C. 1681i : Governs the dispute process and requires CRAs to investigate disputes. 15 U.S.C. 1681n : Provides for statutory and punitive damages for willful violations of the FCRA. 26 U.S.C. 6050P : Governs how canceled debts must be reported to the IRS and indirectly affects credit reporting practices. 26 U.S.C. 6050P : This statute mandates that canceled debts of {$600.00} or more must be reported to the IRS, and I should be furnished with a 1099-C form as evidence of this.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I 'm filing a formal complaint against ALL XXXX credit bureaus. I have been disputing this account since last year. According to the credit bureau it 's coming back verified which is not true. This account is not and never was mine. This company till this day has not been able to verify anything. I have never received paperwork or anything to verify this account. Per FCRA laws, if a company can not properly verify an account and provide paperwork as such. It is to be removed immediately. They have nothing to provide because they have nothing. It is against the law to add or report debt to a person if the account does not belong to them. This company was only able to obtain my email and number due to a BBB complaint. Even after that, they still could not provide me documentation of any kind, not even a address, call log, payment history, NOTHING. Equifax sent me a letter XXXX 2017, stating, that I can not dispute this account anymore unless I provide documentation. How can a person provide documentation to an account that is not theirs. This is against the law and this account is still being reported as such debt that do not belong to me. I have hired an attorney to prepare paperwork and pursue legal action to these credit bureaus for the improper verification of an account that do not belong to me. I 'm beginning to thing the credit bureus, especially Equifax is working with some of these companies. XXXX is not providing NOTHING not even a certified mail. FCRA laws have been broken. I will continue to pursue until this is gone. And I do not appreciate Equifax sending me a letter stating, they will not verify again. This is my credit and I will have it corrected. This is my credit worthiness that affects my life. I am also filimg a formal complaint with the state. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT