davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
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. (AK)

Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

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

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

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to 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 2024-05-09
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address the presence of fraudulent accounts on my credit report, specifically linked to XXXX XXXX XXXX XXXX ( Account Number : XXXX ) and XXXX XXXX ( Account Number : XXXX ). I believe these accounts are the result of identity theft.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (AZ)

Cashapp refuses to find my money transfer that was sent back to them on XX/XX/XXXX. 

XXXX has stated that on XX/XX/XXXX they processed {$2500.00} from my bank. My bank has called XXXX and my House of Representative have called XXXX as well. 

XXXX has stated that " CashApps needs to contact XXXX to process my funds back to my account. '' Cashapp keeps telling me that my bank needs to call XXXX. 

Cashapp has refused in my XXXX other fillings to contact XXXX.
Consumer complaint received 2017-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I believe that XXXX XXXX formerly know as Nationstar Mortgage company is operating in fraud. I have requested the original contract that gives them the right to collect this debt from me. So far, I have not gotten anything back. I respectfully request a fully refund when they can not produce this document. This loan was sold to them without my consent from another lender which makes this loan invalid.
Consumer complaint received 2024-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

accounts are not mine. no knowledge of it, no legal obligation 4 it and no information as 2 its origin. There is no police report or fraud affidavit possible. please check not untimely incmplete inaccurate. check attached for the completed details of the disputed accounts.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-02-02
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. (IN)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-01
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. (MO)

I disputed an account on my credit report that does not belong to me. Transunion denied my dispute. I then requested Transunion provide me with proof of verification of the debt, namely, my wet ink signature as well as any and all information Transunion used to attempt to verify the debt. I have not received any of the information I requested, and Transunion is continuing to furnish an account on my credit report that unequivocally does not belong to me.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (MI)

I have tried opening accounts with Two banks ; XXXXXXXX XXXX  and XXXX XXXX  XXXX, in the last few days which have all not been possible. One reason I was given was a low deposit credit score. I do not know why I am getting rejected for all the checking accounts I applied for.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 XXXX 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under XXXX XXXX XXXX XXXX ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States XXXX Law ( TILA XXXX XXXX Code XXXX ( b ) billing error ) must update to correct as paid on time. 



any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) And charge off accounts that is tag or labeled FDCPA Section XXXX Violation Misleading False Reporting should be deleted and collection account Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, XXXX inquiries that's Violated the United States XXXX XXXX XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2023-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (TX)

Credit Management Company began calling me on XX/XX/XXXX demanding that I pay a debt that has already been resolved as not mine by 2 previous collectors. Now they purchased it and are using aggressive tactics to collect. I have recordings of the following calls : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX & XXXX XXXX I have never been to " XXXX XXXX '' and on the day in question XX/XX/XXXX I was XXXX in the XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX XXXX tried to collect this debt. I explained the same to them and never heard from them again. In XXXXXXXX XXXX XXXXXXXX this debt appeared on my credit report. I was buying a car at the time and it cause me to pay an extra 2 % interest on the loan. I contacted the reporter who was NOT this company and they immediately removed it from my credit report. Now this company is trying to collect the same debt. This is not my debt and there is no possible way that I could have incurred this debt. I very clearly disputed the debt on the phone with their collector and I have recordings of the calls. Nevertheless they have placed this collection on my credit report as of XX/XX/XXXX as a {$1300.00} collection. They called more than the times listed above those are the only ones I was able to record. I requested they send me proof of the debt and they have failed to do so. They sent me a one page letter only showing : Original Creditor : XXXX XXXX XXXX XXXX Current Creditor. XXXX XXXXXXXX XXXX XXXX  On the back is says again XXXX XXXX XXXX XXXX gives a date on XX/XX/XXXX ( still I was in the jail ) but no proof that I signed for this account or agreed to pay any amount. The failure to provide original proof of the debt is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-04-11
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)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-02-01
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. (NY)

I submitted a complaint about the communication to XXXX XXXX about reporting transaction history in violation of 16 CFR 313. They are also stating that I can not opt out of a unilateral contract that was only signed by one party which is me, which is also a violation of 16 CFR 313. I also understand they have my securities which was the application I submitted and that they are committing securities fraud according to the SEC Act 1934 which will be taken up in federal court if this isn't all rectified. I have also sent written instructions to their indenture trustee which is THE XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX. 

I also understand that the debt has already been discharged using either a 1099a or 1099c filed with the IRS. So either way there is fraud being committed.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX XXXX specifically between XX/XX/XXXX and XX/XX/XXXX, I submitted identification documents to TransUnion via USPS mail and the Consumer Financial Protection Agency. Specifically, I submitted a copy of my social security card, drivers license, birth certificate and bank statement in order to correct my name, last 4 of SSN, address and to dispute the validity of accounts. 

However, I received a post card dated XXXX  advising the documents I submitted were illegible, unacceptable because the bank statement was too old and not acceptable as proof of identity. Therefore, I mailed an updated bank statement dated between XX/XX/XXXX and mid XX/XX/XXXX. 

On XX/XX/XXXX I contacted TransUnion consumer dispute department by phone at XXXX for an update regarding my request. I was advised by the representative that my file was a mixed file and it would have to be forwarded to the maintenance department. Specifically, there were at least 3 individuals with my exact name, the social indicated on the report was confirmed invalid upon review of my social security card. Unfortunately, due to the holiday, the maintenance department was unavailable and that the representative would notate my account and someone would contact me via phone or mail. 

As of today, XX/XX/XXXX I contacted TransUnion again at XXXX for an update and I was advised that they would have to forward the file to maintenance because none of the information has been corrected. Therefore, I was advised to contact TransUnion in 5 business days for an update. The representative also advised that my account is notated to confirm the issue. 

I have submitted all requested information via mail and online and yet, all of my information is still incorrect. I have also reached out to listed creditors who have been unable to validate and verify my personal information linked to the said accounts. However, I will deal with those disputes individually after my information is corrected. 

To validate my complaint I have attached several documents, including complaint correspondence and my most recent dispute results alongside credit report.
Consumer complaint received 2023-08-30
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: Experian Information Solutions 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate. Here is the item I am asking to verify as accurate. Self/ Lead XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I've found the following violations on my consumer report U S C 6801 reporting of non public information XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and U S C 1666b reporting of illegal lates XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I did not give anyone written consent to share these accounts on my consumer report
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

I purchased some clothing from XXXX ( a XXXX clothing company it turns out ), and some of the items were terrible quality ( see through, material that catches easily, mismatched seams, etc ). I notified them and asked for a return shipping label and they said they told me I could keep the items for free and get store credit or they would offer me a 50 % refund in cash and I could keep the items. I told them there were quality concerns and they are supposed to send me a return label per THEIR website. Then they told me that they didn't consider see through material, fabric that catches easily and mismatched seams " quality issues '', and that if I wanted a refund I would have to mail it back ( to XXXX ) myself. This is unacceptable. I purchased these items believing I could easily return them if there were issues and that has definitely not been the case. 

I raised a dispute with American Express explaining this and they said that since XXXX provided an address for me to mail the returns to, I am not entitled to a refund - but the issue is not the mailing address, it's that XXXX should be providing ME with a prepaid return label because the issues I raised were valid and XXXX can't just decide what issues they consider to be quality issues or not when it's convenient to them. There website clearly states that if there are quality issues, they will provide prepaid return labels to customers. But in practice they do NOT do that. I'm not paying {$40.00} to ship their defective clothes back to them.