davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
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)

My account with XXXX XXXX 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 XXXX XXXX XXXX. 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/XXXX and XX/XX/XXXX 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 XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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 2024-06-05
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. (TX)

My account with XXXX  was never late! I have had exceptional payment history with 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 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 Was 30 days late 2 time ( s ). 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 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 2024-06-05
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. (TN)

I contacted the credit bureau to dispute inaccurate information on my credit report. According to the Fair Credit Reporting Act ( FCRA ), the bureau is required to respond within 30 days, or 45 days if I provided additional information. However, it has been over 45 days, and I have not received a substantive response. Instead, I have received multiple letters stating that they do not believe it is me making the request, despite having sent two additional letters confirming my identity and providing more information. I request that my account be thoroughly checked and the dispute resolved promptly.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (CT)

I opened an account with this banking institution XXXX 2021 since opening the account the bank continually charged me fees ( Maintenance, Paper Statement ) even though the account was frozen! Also I had no access to my online account during the duration leading me unable to change any of the assessed fees! I reached out to customer services and they told me the fee could be refunded! When I recently called they informed me that since the account was closed they could not issue any refunds! this is totally ridiculous and unacceptable the bank basically robbed me of approximately XXXX $ in fraudulent fees and took advantage because I had no access to the account until as of recent!
Consumer complaint received 2024-08-18
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: LEXISNEXIS (MS)

Ive disputed so many times with LexisNexis from XX/XX/year> to XX/XX/year> for many things such as the inaccuracy in their report about the spelling of my name in their reports of me about a discharged bankruptcy that they have no permissible purpose to be reporting on me in which they are fraudulently reporting in order for their own financial gains by selling to other bureaus and businesses in order to make money off of my privacy that the consumer laws should be protecting. Instead of deleting the public record as I requested like the law requires when inaccurate information is found, they continued reporting. All of my dispute letters to them have been the pick and choose to what they want rather than follow the laws that they are required to do so. I disputed on XX/XX/XXXX on grounds of litigation and they sent a response on something that I didnt even dispute on that particularly phone call with them. Im so glad that call was recorded and I have every dispute letter and response they ever sent back. I asked them who specifically from LexisNexis verified the bankruptcy with the original furnisher, the Bankruptcy Court, and things such as the name of the person, what information was asked about me from their company, the letter that was sent to the original furnisher, dates, etc as the consumer laws requires and they still did not provide any of that information. I sent them a letter from the bankruptcy court, the original furnisher, stating specifically that LexisNexis never reached out to them for any information on me nor do they verify or provide any information to LexisNexis or any credit bureaus for that matter. It should be against the law for these companies such as LexisNexis to be allowed to illegally and without a consumers permission to report damaging information on a consumer especially something that was discharged and supposed to give the consumer a fresh new start and certainly it should be against the law to even gain money off of us as consumers by selling our information to other companies. With all of the data breaches the companies such as LexisNexis, XXXX, XXXX, XXXX, XXXX keeps causing or allowing to happen to us as consumers, they should be held accountable by the law that should be protecting us as consumers. XXXX deleted all of that negative, discharged data but LexisNexis, XXXX, XXXX, and XXXX keeps breaking the law on all levels and pushing their weight around with us consumers! Its time to sue from this point!
Consumer complaint received 2024-08-17
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (FL)

During the month of XXXX in XXXX, MRS Bro LLC Placed a collection on my credit report for the amount of {$430.00}. 
At no point did I sign a contract or provide this company with my information or permission to place an account on my credit report I have filed a dispute with the credit bureaus ( XXXX, XXXX and XXXX ) to have it removed due to invalid and unverifiable information. Yet the account is coming back as verified when there is no documentation with my signature and/or date agreeing to pay the amount requested. 
Due to this collection being placed in my credit report my credit report and score has been damaged. 
The original contract with the creditor has been cancelled per a letter being provided to me stating I am not in debt with them for any amount.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I opened an account with Experian to check my credit score. There was a free basic trial, which I opted into. Then cancelled after receiving quite a number of emails I simply did not want. Now I am trying to close my account, I do not need my credit score from Experian. However, it is simply IMPOSSIBLE to close it. I've tried everywhere logged into the website, there is simply no option to close/delete my account. I do not want Experian to have my data anymore and with that sell it. I've called multiple times and just can not get through the menu options, all of them end up with their robot stating that I can do it on experian.com. I've mentioned I want to speak to someone, they will just loop me back into the regular menu where there are no options to close my account. My biggest concern is that this company has all my information, including social security number and I do not believe it is secure in their hands. I no longer want them to have access to my information and they are making it impossible for me to have any authority over it.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-06-05
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. (LA)

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 informationisinaccurate.
Consumer complaint received 2024-06-04
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

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

I demand the late payment reported in XX/XX/year> Days 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. 


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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

FCRA 605B mandates the removal of incorrect accounts from my credit report. This account is inaccurately reported, so please eliminate it from my credit file. I am owed {$1000.00} for every incorrect entry on my credit report.
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

This email is regarding my XXXX XXXX XXXX  XXXX XXXX card. I have been using this card for several years and I am very punctual in my payments always. But this year they have been so rude and greedy to earn money through charging late fee and finance charges for ridiculously no reason. First of all, I always pay my full account balance on time or when they send me a postal letter or email reminder for a due date, but I always tried to pay before that and never get any charges, late payments ever. But this year, I shopped and when I logged on on my own without any notification of the due date, I don't see any late charges or finance charge, so I paid in full which is {$10.00} and some cents. Then again after a week or 2, I shopped for some cents and within a few days they send me late due date charge through email which surprised me, then I logged in to pay, and here 's how they are making money this year, I saw a few late charges and finance charges on my account which made me so mad. I called their customer service and the lady said she can only waive one late payment. This is so ridiculous, till last year, they always send paper reminders and emails as well. I understand for going paperless, but how about email reminder? and all of a sudden they charge more than 2-3 late charges. What the heck? I want my account clear of every single penny, since I paid, they charge me for that payment twice, coz of one day late payment, which I never get any reminder and for XXXX XXXX  sake, its only one day late. Then they kept on charging late payment on a late payment due, what's wrong with these guys? and on top of that, they are charging finance charges also. A big WOW. I can not take this anymore, Waive all my charged and I will make sure never ever shop with this card, or shop at XXXX XXXX anymore. This is insane, and cheap tactics to make more money. I am writing this to the XXXX   XXXX XXXX as well. I send this kind of email to comenity bank customer service as well a couple of weeks ago about this issue and guess what, they don't even bother to reply even one word back to me. I want all my charges cleared up, and I will be closing my card and stop shopping with XXXX XXXX from now on. I am a straight walking person, I cleared all my accounts in a timely manner, this is ridiculously pathetic money earning tactic for charging money and overcharging.
Consumer complaint received 2024-06-05
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. (MI)

My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX Fraudulent accounts unauthorized identity theft : XXXX XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$3.00}, XXXX XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$1000.00}, XXXX XXXX XXXX # XXXX OPENED XX/XX/XXXX, BALANCE {$0.00}, XXXX XXXX  # XXXX OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX  # XXXX OPENED XX/XX/XXXX BALANCE {$2200.00}, XXXX  XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$290000.00}, US DEPT ED # XXXX  OPENED XX/XX/XXXX BALANCE {$5200.00}, XXXX XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$910.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$120.00}, XXXX XXXX XXXX XXXX # XXXX OPENED XX/XX/XXXX, BALANCE {$500.00}, XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$420.00}, XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$420.00}, XXXX XXXX # XXXX OPENED XX/XX/XXXX BALANCE $ XXXXfraudulent addresses connected to fraud never lived there XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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.

15 U.S.C. 1681, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any 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 ) ( XXXX ) states : 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 2024-06-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (LA)

The company seized the vehicle. I was not notified where the vehicle was located nor was I given the opportunity to try to get the vehicle back or get my personal items out of the vehicle. I attempted to get information from the company and did not receive any information.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.