davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
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. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX 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 in XX/XX/year> 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 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 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am currently still being reported inaccurately on credit report by the State of CT Department of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The report shows past due and delinquent payments. I will be attaching letters that dispute this information. I do have a letter from the State of CT dated XX/XX/XXXX that shows all my current support was up to date and it was reported to consumer reporting agencies. I will further attach information that shows the amounts were fully paid off in the year XXXX.
Consumer complaint received 2023-07-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp. (CA)

United Auto Credit changed my account number without notifying me either in written communication or verbal. I had a little issue at the end of XXXX and in XXXX of XXXX but contacted them regarding the payoff on XX/XX/XXXX ; and that is when I was told that my account had been charged off. I asked them when did this happen because I hadn't received any communication regarding that and it has only been 30 days between payment. I tried to make a large payment on XX/XX/XXXX but it was denied. I am complaining today due to unfair notifications and an opportunity to make good on our agreement. Nor did they give me the updated account number in which to satisfy the payoff. They eventually repossessed the car without notifying me of that either. They could have called me or sent written notification, and I would have relinquished the car since we are in another suit regarding the safety of the car. 
I did try to contact them regarding my part.
Consumer complaint received 2023-10-27
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. (GA)

This is my numerous endeavor 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, block 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
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (LA)

It has come to my attention that my student loans with Nelnet are past due. I have been receiving emails from them monthly stating my account balance is {$0.00} and in good standing. I then received a credit alert that the nelnet account is past due. I tried to login to their website on a daily basis for two weeks to see where the discrepancy is coming from. Im finally on the phone with the representative and they are telling me Im not even setup to receive electronic statements but as explained I do receive monthly statements from them. Unknown to me, they have only been sending statements for two out of the five accounts I have with them. I believe this is unfair because I rely on those statements monthly to make sure Im in good standing with nelnet. My credit has now been negatively affected because of this. The solution that the nelnet representative suggested is for me to opt out of paperless and then opt back in to paperless and hopefully that will correct the error.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 10th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPT OF EDUCATION/XXXX XXXX Balance : {$5900.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$5800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$3900.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$350.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} DEPT OF EDXXXX XXXX Balance : {$1100.00} DEPT OF EDXXXX XXXX Balance : {$5900.00} DEPT OF ED/XXXX XXXX Balance : {$3900.00} DEPT OF EDXXXX XXXX Balance : {$1900.00} DEPT OF ED/XXXX XXXX Balance : {$3000.00} DEPT OF EDXXXX  XXXX Balance : {$5800.00} DEPT OF EDXXXX XXXX Balance : {$9300.00} DEPT OF EDXXXX XXXX Balance : {$10000.00} DEPT OF EDXXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$18000.00} DEPT OF ED/XXXX XXXX Balance : {$1100.00} DEPT OF ED/XXXX  XXXX Balance : {$5900.00} DEPT OF EDXXXX XXXX Balance : {$3900.00} DEPT OF EDXXXX XXXX Balance XXXX {$1900.00} DEPT OF EDXXXX XXXX Balance : {$3000.00} DEPT OF EDXXXX XXXX Balance : {$5800.00} DEPT OF ED/XXXX XXXX Balance : {$9300.00} DEPT OF ED/XXXX XXXX Balance : {$10000.00} DEPT OF EDXXXX XXXXXXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

Im being sued by midland credit llc on behalf of XXXX   XXXX. I had never heard of this collection agency until I was served papers letting me know Im being sued. I go to court next week. They wont send me a debt validation letter. Its an absolute nightmare.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

XX/XX/24 XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX NC XXXX Transaction XXXX XXXX  XXXX I go to drive through to deposit rolled coins, {$2.00} in XXXX, {$2.00} in XXXX, and {$10.00} in XXXX. I use a mechanical roller that fills rolls full to noted amounts. Each roll I placed into the tube was full. After sending it over, XXXX said " she can tell '' when rolls are short and opened one of the dime rolls and claims an entire dollar was missing, " about XXXX cents from each. '' She only told me this after doing it, leaving me in my car and unable to supervise any of this counting. Again, my machine uses rolls with one end precurled and the tubes are designed to be filled full and when removed from the chamber the coins fall down leaving room to fold the other end. Both XXXX rolls were folded well into the green lines at the end. So I go inside and she shows me 1 roll with a dent below the green lines and XXXX already lined up in a tray. I know for a fact they were full and I suspect, for whatever reason, she stole a dollar from me. I would like someone to check the cameras and see what she did and whatever should happen to a banker who steals from customers
Consumer complaint received 2023-09-17
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. (GA)

In accordance with FRCA, XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXXXXXX XXXX XXXX  Account # XXXX I have read from FTC & CFPB if by chance consumer finds mistakes on their credit report, they have the rights to make every possible legal way to make these reports accurate. With that, being said, the above account should CLOSED. I also understand you have 30 days to complete this investigation. 

The original loan was paid in full on XXXX XX/XX/2023 and the accurate notation should reflect CLOSED ; not OPEN in the Account Condition, and PAID IN FULL, in the Remarks field. I demand these inaccuracies to be removed and updated immediately
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope this message finds you well. I am writing to follow up on the complaint I filed with the Consumer Financial Protection Bureau ( CFPB ) regarding Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed my initial complaint on [ insert date ], outlining the details of the situation and providing all necessary documentation to support my claim. However, despite the passage of [ insert duration since filing initial complaint ], I have yet to receive any communication or acknowledgment from your end regarding the status or progress of my case. 

As a concerned consumer seeking resolution to this matter, I am disappointed by the lack of response and the apparent disregard for my rights as outlined by the CFPB. I believe that every consumer has the right to fair treatment and timely resolution of their complaints. 

Given the seriousness of the issues I have raised and the potential impact on my financial well-being, I urge you to prioritize the handling of my case and provide me with a prompt update on its status. I expect transparency and accountability throughout this process. 

Please confirm receipt of this follow-up communication and provide an estimated timeline for when I can expect a resolution to my complaint. Additionally, if there are any further details or documents required from my end to expedite the investigation, kindly inform me so that I may provide them promptly. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my complaint.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-11
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. (OH)

've tried numerous times to fix errors on my credit report to no avail. It's crucial that you take action now to delete the following accounts.I urge you to conduct a thorough investigation into these accounts and take prompt action to remove them from my credit report. Failure to do so will leave me with no choice but to escalate this matter further, seeking legal recourse as necessary. 

I expect a swift and decisive response to this urgent matter. Thank you for your immediate attention to this issue. Here 's the list of accounts and inquiries I want to delete XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX credit or insurance. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX 
XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX 
XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX  XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-06-11
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. (CA)

I have sent numerous letters to your bureau regarding my identity theft status, yet my concerns remain unresolved. Once again, I am disputing the fraudulent information impacting my credit file.Despite submitting the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I have already contacted the associated banks, provided the necessary documents, and had the account deleted from their records. 

Additionally, other credit bureaus have removed this account following the FTC complaint. Therefore, I am curious about the verification process your bureau used to continue reporting this fraudulent account. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

. Bank of America closed my credit card account claiming that the adverse action taken is due to " bank policy '' However this is insufficient, as the CFR 1002.9 ( b ) ( 2 ) reads " Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. '' So, based on these Federal Regulations, BofA has failed to provide sufficient reasons for the adverse action taken on my account. ; and is therefore in violation of CFR 1002.9 ( b ) ( 2 ). My bank statements have absolutely nothing to do with this matter and do nothing to prove the false claims made by BofA that they have the right to violate any part of the ECOA. Don't point to my bank statements ... point to the law which is being violated, and show me where in the regulations are you entitled to deprive me of this specific information. I do not care what the bank 's contract says because it is negligible next to the law, and does absolutely nothing to support Bank of America 's faulty actions anyway. If a contract is in violation of the law then it is illegal. and if a contract is written in a way that enables the bank to violate the law, then the contract is, at the very least, unconscionable. The EOCA was established to protect consumers from various forms of discrimination. As such, banks are required to provide reasons for adverse actions. Without the specific reason why an adverse action is taken, then there is no way of knowing whether or not the bank guilty of discriminatory banking practices. If the CFPB does not take action against Bank of America for this blatant violation ; then the only implication that remains is extremely unfortunate. It is my hope and a reasonable expectation that the CFPB will demonstrate its integrity, upstanding principles, and ethical practices, as well as it's freedom from esoteric contracts and biases that are counterproductive to their mission of consumer protection.