davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 2024-05-24
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-24
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. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Someone who probably has my information Applied to get credit card causing inquiries on my credit report : XXXX XXXX on XX/XX/year>, XXXXXXXX XXXX XXXX on XX/XX/year>
Consumer complaint received 2024-05-24
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. (TX)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-05-24
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. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PR)

I opened a case for a HAFA DEED in LIEU procedure with Wells Fargo Home Mortgage on XXXX XXXX, 2016. 

By XXXX XXXX, 2016, I had submitted all the documentation required. The house was appraised by a real estate broker on XXXX XXXX, 2016. 

Originally I was told that once I did all of the above, my DEED IN LIEU would be approved by HAFA within a month. 

Once I completed delivering all the documents they demanded ( they said they are not going to ask any more documents ) they changed the story. Now they are saying the process will take more than six months. I was told the next step is for them to get mortgage insurance approval. I am suspecting they are trying to sell my loan to an investor and that is why they need mortgage insurance. If they do sell the loan the DEED IN LIEU is not going to happen. I will have to start the process with the new bank all over again. 

In the mean time the house, now vacant, has been vandalized. I had to spend {$500.00} to board up the property. The neighborhood has deteriorated ; there is drugs and house invasions. When I first moved in, the neighborhood was safe. At some point it was deteriorating. I was mugged and moved out and rented the house. In XXXX 2016 my tenant moved out without paying the rent for two months. That is when I started the HAFA process. 

I feel my trust in this HAFA process was misplaced. The bank never intended to proceed with a DEED IN LIEU but they kept leading me on until I gave them all the documents they needed to sell the loan. 

Also, my credit report, as of XXXX XXXX, 2016 has a note from Wells Fargo that reads " Subscriber reports dispute resolved - Consumer disagrees '' which I do n't think is accurate ( my FICO score had been XXXX in XXXX 2016 ; now XXXX is XXXX and XXXX is XXXX ). 

I do have health issues. In XXXX 2016 I moved to XXXX XXXX to get support from my family here. Moving back to XXXX is not an option. And specially to a city block that has been taken over by drugs. Selling is not an option either since the house is under the water. I need your help, please.
Consumer complaint received 2016-05-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIRSTBANK PUERTO RICO (PR)

First Bank was informed of Bankruptcy filed in XXXX and car has been paid by bankruptcy and in appears as a charge off on all reports and will appear till XX/XX/XXXX. I called bank they said they would fix but never was fixed car was on a loan from XX/XX/XXXX for 72 months but they still put till XX/XX/XXXX that is was on a month to month which is almost 10 years this needs to be fixed it was reported before but still on my report all other loans have been cleared by other banks
Consumer complaint received 2024-05-24
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)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( 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 ) ( 5 ), 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-05-24
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2016-01-07
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (PR)

Have an account with Scottrade for years. Suddenly after all the fees, they keep on processing trades then tell me I am longer able to be part of the Scottrade family. The problem they said I was bumping prices. I have had a small account, ca n't really raise the stock price, but on their end they have ask and bid prices which are XXXX lot of time. I see them completing trades below the ask prices, what a bunch of crooks.
Consumer complaint received 2024-05-24
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. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

CFPB complaint XXXX was closed without providing documented proof of investigation. I submitted Emails directly from the company as proof of incorrect reporting. However, the inaccurate information remains on my credit report. 

When speaking with a Transunion representative, I was advised Transunion is not able to remove information from credit reports unless the furnisher submits the request. The representative also advised if a consumer submits documentation proving incorrect information, it is sent to the furnisher. The furnisher then confirms or denies the claim and IS NOT REQUIRED TO PROVIDE TRANSUNION WITH DOCUMENTED PROOF. Therefore, if the consumers rights are being violated, Transunion stands with the erroneous credit reporting. There is no incentive for furnishers to provide accurate information if they are not held accountable for misreporting. This erroneous credit reporting is causing undue financial harm because payment history accounts for 35 % of ones overall credit score.
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I opened an account at living spaces to purchase furniture. The card was issued with the agreement that the purchase was interest-free if paid within a certain period of time. I paid down the amount as much as possible, and at the end of that agreed period of time, Synchrony Financial added a few XXXX dollars to the balance owed. I tried to pay down the balance but the interest was so high that I was never able to get ahead. During this time I noticed that Syncrony Financial started reducing my credit limit. I was under the impression that I had a credit card that I could use for other purchases. I was confused as to why the limit was decreased as I paid it down. 

Last night I received a letter stating that they were closing my account because I do not own real estate and have other credit cards with high limits. I am shocked to learn that I am being discriminated against due to not owning property. 

I did some research online and discovered that Synchrony Financial has a history or predatory behavior. I also found a site with other complaints from consumers. Something needs to be done about this company and I would like an investigation into their behavior. 

Here is a link to other complaints : https : 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-05-24
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. (OR)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-24
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. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-24
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. (MA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, Either credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-04
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Admin Recovery, LLC (GU)

XXXX XXXX and XXXX XXXX from Admin Recovery LLC at XXXX have left messages with my employer, my friends ( claiming I put my friends name as a reference??? ), left messages on a work phone claiming I breached a contract, etc. and calling my boss immediately after calling my co-worker. They have this tactic of calling one person and then another soon after. I contacted them back and could not get a hold of them except their voicemail, and then spoke to XXXX XXXX and told him that I do not want to be contacted at the workplace, for phone calls to stop since it is before XXXX, and to send me the information so I can dispute because I have nothing from their end of what I owe except when they left a message with my coworker stating its a bill owed to XXXX. They stopped for one week and its starting again. When I asked them to stop calling me and I said goodbye, they would call back. A living nightmare. Please make them stop!!!
Consumer complaint received 2015-04-17
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I have a lease auto loan and I want to payoff the pending amount. 
The Bank ( Banco Popular de Puerto Rico / Popular Bank of XXXX XXXX ) is calculating my cancellation amount using the Rule XXXX. In addition, they claim a cancellation fee. 
Therefore, I 'm receiving a double penalty ( using rule XXXX + cancellation claim ). 
Does the federal code allow use of rule XXXX? It is like a penalty for the consumer who want to pay off the loan before the loan time. 
Does using double penalty is allowed?
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

On XX/XX/XXXX, I made a payment using the Capital One mobile app to pay my balance in full. On XX/XX/XXXX, I was charged {$18.00} in interest because my payment on XX/XX/XXXX was apparently {$25.00} short. According to Capital one, my payment was short because of a change in their mobile app that deducts a canceled auto-pay from the statement balance. This change was not made clear to me through the app, and I have not been able to repeat " what must have happened '' through further investigation on my end. The explanation provided to me was both dubious and deceptive. During a XXXX hour phone call with customer service, I requested a refund for the interest and was told I " was not eligible '' with no further explanation. The supervisor I eventually spoke with informed me that " This has been happening to a lot of customers with the recent change to the mobile app. ''
Consumer complaint received 2024-05-24
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. (NJ)

I would like to dispute off the following inaccurate accounts from my credit report. 


XXXX : XXXX XXXX XXXX. 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$20000.00} XX/XX/XXXX XXXX XXXX XXXX. 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$20000.00} XXXX XXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.