davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXConsumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject XXXX Dispute of Incorrect Late Payments on Mortgage Account** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the incorrect late payment entries on my credit reports from TransUnion and XXXX for my mortgage account ( Account # XXXX XXXX XXXX. These entries are not accurate and negatively impact my credit score and financial standingXXXX XXXXDetails of the disputed information XXXX XXXX XXXX XXXXAccount Number** : XXXX XXXX XXXXAccount TypXXXX : Mortgage - XXXXAccount StatusXXXX  : Open - XXXXMonthly PaymentXXXX : {$2900.00} - XXXXDate OpenedXXXX : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - XXXXBalanceXXXX  : {$450000.00} XXXX XXXXPast DueXXXX  : {$6500.00} - XXXXPayment StatusXXXX : Late 60 Days - XXXXLast ReportedXXXX XXXX XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - XXXXDate of Last PaymentXXXX : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXDiscrepancies in Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion : XXXX XXXX XXXXLate PaymentsXXXX : 60 days ( XX/XX/XXXX, XX/XX/XXXX ), 30 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLate Payments** : 60 days ( XX/XX/XXXX, XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 
XXXX XXXX XXXX XXXXAction Requested XXXX XXXX  1. **Investigation and CorrectionXXXX : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion and XXXX update my credit report to reflect accurate payment history.

2. XXXXNotificationXXXX  : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from TransUnion and XXXX highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: M&T BANK CORPORATION (NJ)

Date of Loan : XX/XX/2014, Term 75 months, Monthly payment XXXX. During the first 14-20 months payments were made on time. I ran into unanticipated financial hardships and payments began to age. The bank failed to mention extensions were available to me. Once informed of the potential for an extension the bank stated the account would have to be " in good standing '' to grant an extension. This took several more months to achieve resulting in additional late fees. I ultimately qualified and was granted extensions, however I incurred an extraordinary amount of late fees. Each month was late was equivalent to over {$150.00} in late fees. Approximately 15 % of the monthly payment. My account is current except for the late fee portion which is currently over {$2000.00}. I already paid a substantial amount of late fees that are not reflected in my statement. Before the loan matures I would like to resolve the late fees and identify if the late fees are appropriate and legal. I've tried on several occasions to resolve the late fees with minor success. Thank you
Consumer complaint received 2024-07-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

When I went for make a deposit ATM machine took my {$4000.00} XXXX couldnt pay my payments I called customer service they said I have to wait XXXX XXXX business days for get credit to my account how we can trust to bank like that I will get late fee my payments XXXX atm number
Consumer complaint received 2024-01-19
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)

On XX/XX/ I reached out via written correspondence to TransUnion and XXXX XXXXXXXX XXXX XXXX inquiring proper and accurate validation of a collection reporting on my consumer report. TransUnion and XXXX XXXX XXXX XXXX has fail to provide accurate validation of collection debt and refuse to comply with all consumer laws.
Consumer complaint received 2024-05-20
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)

XXXX of XXXX, I contacted XXXXXXXX XXXX  company in regards to the constant late payments reported to my credit while the loan was in forbearance. The length of the forbearance was during COVID-19. When I contacted the company, the representative stated there was a past due amount that would be rolled over and I asked why I wasn't notified of the late payment. I was never provided an answer.
Consumer complaint received 2024-03-25
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: AMERICAN EXPRESS COMPANY (CA)

In XXXX XXXX XXXX there was a fraudulent American Express account opened without authorization. The identity thief had access to my personal information, mail and banking information. They opened up several accounts in my name while I was working and traveling abroad. Unbeknownst to me these accounts were open and active for well over a year.

When I contacted American Express to let them know these accounts were not authorized by me and that I was a victim of identity theft that scoffed at the notion and refused to remove the accounts. I have spoken with their fraud department on several occasions including in XXXX XXXX XXXX. Yet despite police reports on my credit profile and a police report I sent directly to American Express they refuse to delete the account.

Currently because of the fraudulent account I can not conduct business nor obtain a new home because the account is severely damaging my credit standing. I ask that the account be deleted and my credit corrected expeditiously.
Consumer complaint received 2024-05-20
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. (MN)

I am deeply concerned about the inaccuracy of my credit report, which is unjustly harming me. I request that you thoroughly investigate this matter and make the necessary urgent corrections. If there are no updates, I will be forced to take legal action.
Consumer complaint received 2018-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (SC)

Hello, Medical Data Systems, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Alabama XXXX, appears to be in violation of the Fair Credit Reporting Act and also HIPAA. Medical Data Systems placed a negative collection account on my credit reports, that I have no knowledge of, without notifying me before placing the collection account. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. Prior to Medical Data Systems placing the negative item on my reports, they made no attempts to reach me in regards to the alleged debt. 

Upon notice of the collection account, I sent Medical Data Systems Inc. a debt validation letter via certified mail on two separate occasions (XX/XX/XXXX andXX/XX/XXXX). In the first letter, I requested Medical Data Systems provide me with all of the documents that were provided to them related to the alleged debt and my authority giving them access to the information. The company responded by sending an Authorization for Treatment and Release of Information form from XXXX XXXX Hospital that explicitly states that XXXX XXXX Hospital is  not permitted to share or disclose medical information with anyone besides the patient, along with what appears to be a detailed medical bill with procedures and medications that were administered. 

The second letter was a request for documented proof of the full chain of account assignment, ownership, or purchase ; a contract specifically signed by me and the authorized representative from Medical Data Systems stating that I agreed to pay this company for this alleged account ; and the method used to validate this alleged debt including my signature with permission for Medical Data Systems to access my HIPAA information. The company responded to the second letter with the same bill and a statement reading Regarding your demand for verification including original signed contracts, copies of state licenses, our agreement with the original creditor listed on this account, etc., there is no basis in law to substantiate your right to such information. 

In this case, there is no basis in law to substantiate this companys right to MY personal protected health information or the right to place a negative unverified collection against someone without adequately confirming the debt truly belongs to the individual FIRST. So again Medical Data Systems Inc. is violation of the Fair Credit Reporting Act and also HIPAA.  The company failed to send the appropriate documents to adequately prove the debt is mine and given the fact that the alleged debt is a medical debt, it is a direct violation of my HIPPA rights as I have not given this company permission to view or access my personal health information or medical records for any reasons. There is no signed contract between me and this company. I would like for this company to delete the negative listing from my credit reports.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to respond or to verify that this is indeed my debt. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to this collection agency. 
Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (NC)

On XX/XX/XXXX I was notified from my credit monitoring services of a frudlint inquirie on my XXXX credit report, then on XX/XX/XXXX I received XXXX more alerts of frudlint inquiries from U.S. bank I also notified them immediately to get them removed from my XXXX credit report, I've reached out to both companies with no luck I would greatly appreciate your help with removing theses frudlint inquiries from my XXXX credit report
Consumer complaint received 2021-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (AZ)

I was issued a refund thru cash app by a merchant XX/XX/2021 but never received the refund. It was 4 refunds {$25.00}, {$25.00}, {$15.00}, and {$25.00}. It is XX/XX/2021 and I still have not gotten my money or any reasonable solution or date of when my funds will go back into my account. I have contacted them every day in every way possible and they will not help me.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (NJ)

I have been US Bank customer for more than 15 years. They abruptly made my online and mobile app inaccessible. They closed the account without giving me any notice. When I called them to re-establish access to my account, they transferred me to three different departments but did not give me any relevant information. All they said was a letter will be sent with information on the account and a cashier 's check for the remaining balance. I have a sizeable balance and getting a letter and a check in the mail is not the most secure way to handle funds.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXConsumer Financial Protection BureauXXXX XXXX XXXX XXXXXXXX XXXX XXXX IA XXXXXXXX XXXX XXXX XXXX **Subject XXXX Dispute of Incorrect Late Payments on XXXX XXXX XXXX XXXX Account** Dear Consumer Financial Protection Bureau , I am writing to formally dispute the incorrect late payment entries on my credit reports from TransUnion and XXXX for my XXXX XXXX XXXX XXXX credit card account ( Account # XXXX XXXX XXXX XXXX These entries are not accurate and have negatively impacted my XXXX XXXX. 

**Details of the disputed information : ** - **Account Number** : XXXX ( TransUnion ), XXXX ( XXXX ) - **Account Type** : Revolving - **Account Status** : Closed - **Monthly Payment** : {$110.00} - **Date Opened** : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - **Balance** : {$7000.00} - **Credit Limit** : {$7300.00} ( TransUnion ), {$0.00} ( XXXX ) - **Past Due** : {$0.00} - **Payment Status** : Current - **Last Reported** : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - **Date of Last Payment** : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) # # # **Discrepancies in Payment XXXX : ** # # # # **TransUnion : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) # # # # **Equifax : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

XXXX XXXX XXXX XXXXAction Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion and XXXX update my credit report to reflect accurate payment history. 
2. **Notification** : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from TransUnion and XXXX highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital Bank has caused my checking account to be closed. I have 5 direct deposits to this account. It has been 15 days since they made this decision. I have no money. I have Two credit cards one of those cards is secured and you must know all of my money goes to my savings account and it closed too.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX5 USC 1681.

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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-11
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-05-20
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.