davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NC)

Hello! I opened a XXXX XXXX credit card in XX/XX/2022. I always strive to make my bill payments on time, but a few weeks later, I suffered a reduction in my income as my work week was cut to 4 days involuntarily. Without fault, I fell behind on the payments of the card.

Then, on a span of almost one month, Comenity Bank started calling me non stop, regarding the credit card debt, even when I was at work. I counted a total of 214 harassing debt collection calls from different numbers including private ones, including several calls made after I reached out to them to work out a solution to the problem, and the attempt was unsuccessful, causing me emotional distress.

I sent two different letters to Comenity, and I enclose a second one I sent, so far I have not heard anything from them at this time.
Consumer complaint received 2024-06-13
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. (PA)

Hello I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-14
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 am taking action to dispute and investigate these accounts as they are being wrongfully reported on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} for each incorrect entry. I understand that FCRA 605B mandates reporting any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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 XXXX ( 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 XXXX ( 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 XXXX 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 2023-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (OH)

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful MISSTATEMENTS or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C.

1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods services or money, and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2024-06-13
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. (CA)

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. 

XXXX XXXX - Account number # XXXX XXXX XXXXXXXX - Account number # XXXX XXXX  - Account number # XXXX XXXX - Account number # XXXX XXXX - Account number # XXXX XXXX - Account number # XXXX XXXX - Account number # XXXX, has violated my rights. 

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-14
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 my recent review of my credit reports, I noticed several accounts that I do not recognize and appear to be fraudulent. Below, I describe each of these accounts : XXXX  XXXX XXXX : Account Number : XXXX Date : XXXX Type of Account : Credit Card Description : This credit card account was neither opened nor authorized by me. I am unaware of any transactions or activities related to this account. 

XXXX XXXX XXXX : Account Number : XXXX Date : XXXX Description : I have not applied for or opened any account with XXXX XXXX. This account appears on my credit report without my knowledge or authorization. 

XXXX XXXX XXXX : Account Number : XXXX Description : I do not recognize this collection account and have had no debt or interaction with XXXX XXXX XXXX that would justify this entry on my credit report. 

XXXX XXXX XXXX : Account Number : XXXX Date : XXXX Description : This is another collection account that was neither opened nor authorized by me. I have no outstanding debt that could be related to XXXX XXXX XXXX. 
These fraudulent accounts are negatively impacting my credit score and my ability to obtain new credit. I request a thorough investigation and the removal of these fraudulent accounts from my credit reports. Thank you for your prompt attention to this matter. 

If you need any adjustments or additional information, please let me know.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Could you please provide detailed guidance and assistance on the process of removing late payments from my credit report? This issue is significantly impacting my credit score, and I would like to understand the steps I need to take to address and rectify these negative marks. Your help in navigating this process would be greatly appreciate.
Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc. (CO)

In XXXX I traded in my vehicle with gm financial. I was never late on any of the payments to the company. Vehicle was traded in from Gm financial and new loan was through XXXX XXXX. Since Gm financial was waiting for XXXX XXXX to pay off the loan they marked my account as late payment for the last payment on the loan. Payments to the company was never late and it was their duty to conduct proper business and cash the check that was se t to the company and make arranges since car was traded in. Gm financial added that the loan balance was late to my credit report. Gm financial has no written consent from myself that they are allowed to even share loan information with credit agencies and did not provide proper disclosures asking if I was okay with reporting and sharing my data. 

Not only did I pay my loan off on time I made car payments ahead of time and paid loan principal balance off fast. There should be no negative business reported between myself and this company. 

Address information is under is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX co,XXXX  XXXX Last four of ssn-XXXX
Consumer complaint received 2024-06-13
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. (CO)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. the inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX Account # XXXX in accordance with the fair credit reporting act public Law 91-506, Title VI, Section 611 Please provide the names and business addresses of each individuals with whom you verified the account above so that I may follow up please send an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (GA)

Mr Cooper loam servicer has their entire website and phone line locked down on what they claim is a cyber incident and it is now 3 days past my mortgage payment due date and I am unable to make a payment of any kind, request an update or receive any type of information. I have no proof they will honor my payment as being on time and all I want proof I will not be penalized or lose my home as I am wanting to be on time with all payments. 

There is no possible way to speak to anyone for any confirmation
Consumer complaint received 2024-06-09
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. (MO)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like these items immediately reinvestigated. The inaccuracies are highly detrimental to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Under The Fair Credit Reporting Act Public Law 91-506 title 6 section 611 please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-07-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RevNow LLC (IN)

This company has called repeatedly on the same day from a number that identifies as potential spam. Instructions to call back a certain number leads to someones voicemail. The calls started on XX/XX/year>. I had not received notice of sell of debt and had heard of this Company prior to the abuse of repeated calls. RevNow started sending emails on the same day the calls commenced. I answered the call back on XX/XX/year> whereas the message read for me to call another number. From what I understand pertaining to consumer rights, RevNow has refused me the opportunity to validate their identity, dispute the charge, and harassed me with XXXX or XXXX calls daily.
Consumer complaint received 2024-06-13
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. (TN)

My account with XXXX XXXX XXXX BANK was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 BANK 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 2022-09-14
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance XXXXXX/XX/XXXX {$1700.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated, my rights. 
15 U.S.C 1681Section 602 A. & Section 2. 

I have filed a report with the FTC, contacted the creditor, the credit bureau and have sent letters via mail to the credit bureau. 
I demand that this item which is incorrect, be removed immediately from my credit report as soon as possible. 
This innacurate information is preventing me from buying a home, and I need it removed as soo an possible. Company and bureau have failed to provide proof that this account belongs to me.
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (WI)

I authorized an ACH transfer from my checking account at Ally Bank for {$10000.00} to an authorized linked account at XXXX XXXX XXXX XXXX on XXXX. Ally Bank put a hold on the XXXX transfer, and told me they lost the money and can not return it to my checking account. I need it returned so I can pay my auto loan off on time. 

Bank reference number for problem : XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc. (NC)

Factor trust consumer report has inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that those address only except the one I am sending documents are my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys
Consumer complaint received 2024-06-13
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-16
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX Re : Account # XXXX Subject : Final Request for Correction of Credit Information Before Formal Complaint Dear XXXX XXXX XXXX XXXX I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number Re : Account # XXXX Despite my previous letters dated [ XX/XX/XXXX ] and [ XX/XX/XXXX ], I have not received confirmation of the correction, nor have I observed any changes in my credit report. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score.

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation. 
Details of the affected payments are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the necessary corrections are not made within 15 days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN : XXXX Cc : CFPB FTC States Attorney General
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

{$1800.00} with LVNV Funding LLC ( current creditor of your original XXXX Bank ( XXXX XXXX XXXX ) account ). 

Basically I was XXXX  and told to pay my debt from a third party company, which I was not notified in any way that my debt went to collections and this all happened during the pandemic, therefore It was more difficult and disappointing. My score went down drastically and it hurt me financially because It was hard for me to qualify for more credit. Lenders see me risky and difficult to apply for anything.