davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

FINAL NOTICE! I have contacted this companies that I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS and UNITED STATES of AMERICA FEDERAL LAW. 

Please block and remove all information from my credit report and send me an updated copy of my credit report. 


Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 
In accordance with the FCRA, a consumer report excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Any inclusion of late payments or derogatory statuses constitutes a clear infringement of 15 USC 1681a ( d ) ( 1 ), as this information relates to the consumers experiences. 



Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow XXXX highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b 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!
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

My family income rate decreased which lead us to apply for a loan modification 3 years ago. This process of mitigation has gone back and forth for 3 years with no resolution until now ... .FORECLOSURE! A realtor company just arrived to my door to inform me that our home was forclosed on Tue, XXXX XXXX. No one from Nationstar had contacted us at all. We were told that the foreclosure process would be stopped upon receiving the requested documents. This loan started with XXXX XXXX XXXX but was sold to Nationstar. The communication is horrible with Nationstar, until the last minute, to request an IMMEDIATE update on paperwork and repetitive forms that have already been faxed or emailed with confirmation. However, we ALWAYS immediately send every form/document, hardship letter, profit and loss statement, letter of explaination, etc has been sent in a timely manner. We do n't always get a confirmation from Nationstar that they 've received the documents so we have to call or email them. We ca n't get any one particular person to handle our case so it 's always difficult and almost impossible to consistently reach someone to discuss your case or issues. No clerk/technician ever has any concrete information about your case being settled, etc. They can only tell you if the documents have been received or not. After successfully receiving all requested documents our home has now been foreclosed. We 're capable of paying for our home but not at these extremely high interest rates. We 'd still love to keep our home but just do n't know what else to do. We 've even been using a third party, XXXX XXXX XXXX ( Foreclosure Prevention ) to no avail. XXXX is just as shocked about the foreclosure as we are and instructed me to file this complaint. Also, the realtor, XXXX, suggested I file a complaint as well because this happens too often and it does n't seem as though banks want to work with the occupants at all. What else is the consumer to do when you 've done all that was requested? All requests were honored in timely manners. If at all possible, IMMEDIATELY. We 've worked hard for what we have and are fighting for our rights to be property owners at this address. We 're young hard working professionals as a family of XXXX, who 's faced hardships and misfortunes just like others but we 're financially stable now and do n't know what else to do. PLEASE HELP!
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (CA)

I went to the ATM at the US Bank located in XXXX XXXX, CA on XX/XX/2023. I requested {$300.00} from my account at this ATM and the money was not disbursed. I went into the Branch and they told me that it was not there ATM and that I need to file a complaint with my Debit Card company which I did that same day. I furnished them with a copy of the receipt and they took the dispute and then I got an email stating that it would take until XX/XX/XXXX to process. I received a letter that was sent out on XX/XX/XXXX with claim number XXXX stating that they had research to problem and that they found no evidence that the funds were not dispersed. I am not sure why they took so long to balance the ATM for errors and the ATM also has a camera that they could have viewed of the transaction showing that I did not receive the funds. I call Netspend ( issuer of the debit card ) and they said that I could place another dispute which I did. I never recived the {$300.00} and feel that they have taken my money without any valid reason. I have attached a copy of the receipt from the ATM. I have also attached the letter from Netspend dated XX/XX/2023. I only had one withdrawal that I am disputing. I am not sure why it is showing 2. I did have 2 withdrawals from ATM on same day and it was ok.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My account with XXXX 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 XXXX, XXXX, XXXX and 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 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 2024-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan Chase without warning closed down my account on Friday XXXX after I correctly reported fraudulent charges.After days of conflicting and incorrect information via the phone, I was told a decision was already made. I do not have access to my own money and when raised I do not have a way to pay for food, heat and basic human necessities in the middle of a XXXX XXXX, the branch XXXX mocked me and the representative said " too bad. " In addition to emotional trauma, a banking institution I have been with for 10 years has put me in physical danger by doing this and not allowing access to my own funds. I am making this complaint as if health issues or I am endangered because I do not and will not have access to my only funds. They have also made it impossible to open another checking account at a different banking institution, all in a matter of XXXX hours due to this closure. It is currently XXXX degrees inside my apartment and I have not eaten in XXXX. JP Morgan Chase has put my life in danger without any information or willingness to help a customer of a decade. I will reiterate it's because their institution failed to protect me as the customer from fraud, and has now againput me in physical and emotional danger.
Consumer complaint received 2024-06-07
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My account with XXXX XXXXXXXX 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> to 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. 


XXXXXXXX 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 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$720.00} 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 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

I have sent a certified letter to LexisNexis on XX/XX/XXXX and they received it on the XX/XX/XXXX. the letter stated to remove bankruptcy because the courts didn't provide no information has such. their respond was they haven't received it, so i send the information again today XX/XX/XXXX certified. it also includes my ID, XXXX bill to verify its me, which the previous letter also included. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL, XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To Whom it may concern : This is the second time XXXX sending this later first was on XXXX/XXXX/XXXX now XX/XX/XXXX, which you claimed you havent received. I have a certified receipt that it was delivered and this one will also have XXXX. 
I noticed your furnishing information on my consumer report which is confidential. I have a letter from the bankruptcy court saying they do not report any filings with credit agencies. 
According to 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
This is a violation of my rights as a consumer, so delete this immediately.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXXXXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting DPT EDXXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting DPT EDXXXX Account XXXX : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting DPT EDXXXX Account XXXX : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE XXXX - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 

13. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I met minimum spend requirements for my XXXX bonus miles on the AMEX gold card and they never gave them to me. I tried contacting their customer support ten times and they never resolved the issue.
Consumer complaint received 2023-09-19
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. (VA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$720.00} 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It looks like someone has accessed my credit report. Once more, I discovered a lot of things that I do not own when searching through my files. Due to my meticulous study, I discovered that credit bureaus are legally obligated to remove any things that are determined to be fraudulent as a result of identity theft, as stated in section 605b of the FCRA. I am not the owner of the contested objects. Please take these things out. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} 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 2024-06-06
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. (IL)

these false accounts have been reporting on my consumer report and causing me great financial hardship. They are also in violation of 18 U.S Code 1028A, and 15 USC 1681b. I have the right to privacy and if I gave written consent that these can even be reporting then please provide the original copy with my wet signature allowing this. 

I have asked over and over for the bureaus to fix this but they haven't so if you ( CFPB ) don't make them remove these false accounts then I will have to reach out to the attorney general and make sure to add that the CFPB were aware of these violations as well and still allowed these accounts to stay on my consumer report.
Consumer complaint received 2024-06-08
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. (DC)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$800.00} XXXX  XXXX Balance Owed : {$1600.00} XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

They said that I did not upload the correct documents for them to continue investigating my identity theft dispute for XXXXXXXX XXXX XXXX XXXX XXXX XXXX credit card, XXXX XXXX XXXX XXXX auto loan, and XXXX XXXX XXXX Here I have attached the ftc report that they are now requesting.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

XXXX XXXX XXXX charged my account {$4700.00} and never delivered a product. XXXX XXXX is the owners name and he called my very hateful words such as XXXX and XXXX I contacted pnc bank and they informed me because it was a debit card transaction they can't do anything eventhough that was the last of my money that I need. They informed me I don't qualify for the protections because it was a debit and not credit card.