davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
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)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent. XXXX, XXXX, TRANSUNION keep furnishing alleged transaction ( XXXX ) on my account XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX that identified as late / charge off-status.15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not reply to me stating that you are furnishing accurate information because we both know you are not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.
Consumer complaint received 2024-02-03
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

These are not recognized and non-authorized hard inquiries on my credit report please have them deleted
Consumer complaint received 2020-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (MN)

I was an authorized user of American Express business credit card as a business manager. AMEX informed all three credit bureaus as collection account treating it as a personal account on XX/XX/XXXX affecting my credit scores drastically. We have entered in to a contract to buy a house and this reporting is affected my ability to get a housing loan. This business card account was opened XX/XX/XXXX for business purpose and it has never shown up as a personal liability on my credit reports since than. I was taken by surprise to see it apear on my personal credit report suddenly. 
Requests to pay the outstanding amount by installment on XX/XX/XXXX with AMEX failed and representative advised that the account should be closed first and than the supervisor will call with in 24 to 48 hours to discuss the options. No one ever contacted me or left a voice mail. Upon seeing thison credit report I called AMEX and I was advised to contact XXXX. After contacting XXXX I entered in to an agreement of payment and I have paid {$4200.00} as XXXX of the XXXX installments on XX/XX/XXXX under duress as no other option was available and this is causing hardships.The outstanding balance is being paid to AMEX.
Consumer complaint received 2017-02-08
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

Borrower is in a reverse mortgage. He fell behind on the taxes and insurance due to medical expenses and was not able to pay. We understand the Wells Fargo paid the past due amounts. XXXX entered a repayment plan in XXXX 2016 payments to be {$220.00} a month. Wells Fargo claims that XX/XX/XXXX and XX/XX/XXXX payments were not made however borrower has proof of payments. He paid with personal check # XXXX for XX/XX/XXXX and check # XXXX for XX/XX/XXXX Each month borrower would received the coupon statement with the dollar amount due ( {$220.00} ). He was never aware of missing payments. His argument is if he was past due why would n't the past due amount reflect on his monthly coupon payment? By the time Wells Fargo did send him a letter that was in XX/XX/XXXX his account was past due and now Wells Fargo is stating he broke the repayment plan and now is at risk of foreclosure. He spoke with XXXX which she confirmed payment was received and said she would apply to account. We called in today and spoke with XXXX. She informed us that in order for XXXX XXXX to be reconsidered for another repayment plan, he would need to bring his account of {$13000.00} balance to less then {$2000.00}. Borrower is unable to pay such large amount, however his wife is now in better health and has started full time work this week to help with this situation. They are desperate to save their home. They have applied for the state program Save our Home XXXX program but unfortunately XXXX Dept of XXXX does not assistance with Reverse mortgages. Borrower has called numerous times to Wells Fargo to resolve this issue and keeps getting the run around. He did not break the payment plan and he can also provide proof of insurance but has n't because he has been told the plan is broken and now is facing foreclosure. If Wells Fargo is willing to work with him he will provide evidence of insurance and also can pay up to {$300.00} a month to save his home. Please help them!
Consumer complaint received 2024-02-03
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. (TX)

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description with specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974. 

XXXX XXXX XXXX XXXX : Inaccurately reporting credit card utilization. It is illegal to report transaction history. Please advise creditor to keep the account as open on my credit/consumer report, and to report the utilization as 0 % [ backdated to opening of account and for present and future use of the open ended credit account, as long as there is a contract in place ], per 16 CFR 313, 433.2 and 433.3.
Consumer complaint received 2021-06-21
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: EQUIFAX, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-10-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (TX)

XXXX college took out a private loan in my name and then when they closed i found out that they had taken over {$20000.00} in federal loans plus $ XXXX+ in Pell Grants and XXXX Separate private loans for XXXX $ XXXX+ and XXXX XXXX XXXX for $ XXXX+. My tuition was only {$29000.00}. So this does not add up. The private loan company for XXXX has no idea what to do as far as discharging my loan. I need help!
Consumer complaint received 2024-02-03
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 information is inaccurate.
Consumer complaint received 2024-02-04
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)

I am writing you this letter regarding payments that were marked late by your company for the following accounts XXXX XXXX XXXX. have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person ( company ) is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. 

You have furnished transaction information on the following accounts.with XXXX XXXX XXXX ( XXXX XXXX XXXX ) has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date. 

My account with XXXX XXXX XXXX was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family! Please remove ALL LATE PAYMENTS 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
Consumer complaint received 2016-04-05
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P. (FL)

There are several numbers the debt collector calls from. I have talked to them repeatedly and have asked for more time to pay the debt and I have told them I will pay them. My problem is they call me every 15 minutes all day. The numbers are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is all from today. That is six times already and they called 11 times yesterday. I asked that they stop calling so much, to call once a week. They are going to get me fired and then I will never be able to pay.
Consumer complaint received 2024-02-03
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. (FL)

I realized that this account was opened as a result of an Identity Theft in XXXX of XXXX, someone stole my phone, my identity and used a voice recognition device to record my voice along with hacking my bank accounts and making payments on this account like it was theirs. I DO NOT have telephone access at this moment to contact anyone via phone, I have been homeless for almost 18 months, sleeping in shelters, motels with vouchers, I sometimes squat in vacant places for a hot shower and a meal. I also have been without a vehicle in which I lived in until my vehicle was repossessed and I have not held a full-time job or even a part time job since XXXX of XXXX. I have NOT BEEN ABLE TO GET APPROVED FOR HOUSING DUE TO THIS BEING ON MY CREDIT AND GOVERNMENT HOUSING IS ON A YEAR OR LONGER WAITING LIST!!!! PLEASE REMOVE THIS ACCOUNT EXPEDITIOUSLY OR PAY XXXX IMMEDIATELY!!! THEY STILL CONTINUE TO LIE ABOUT EVERYTHING AND DISHONOR MY REQUESTS REGARDLESS OF WHAT DOCUMENTATION I SEND!!! I AM SICK THEIR FAKE APOLOGIES PRETENDING TO CARE WHEN THEY DO NOT!!!! I HAVE NOT BEEN ABLE TO WORK A FULL-TIME JOB DUE TO THIS STRESSFUL SITUATION AND I HAVE NO FAMILY OR ANYONE TO HELP ME!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! I HAVE LIVING ON THE STREETS, MOTELS WITH VOUCHERS AND SHELTERS UPON AVAILABILITY!!!! DESPITE MY LIMITATIONS, I WANT TO LIVE A NORMAL LIFE AND NOT BE ON XXXX XXXX, HAVE DECENT CREDIT, A HOME, A JOB AND A FAMILY!!!
Consumer complaint received 2024-02-03
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. (GA)

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -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 XXXX 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. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( XXXX ) OR REMARKS ), ETC
Consumer complaint received 2024-02-03
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)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2021-08-05
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 — Their investigation did not fix an error on your report
Company: Monarch Recovery Holdings, Inc. (TX)

XXXX collection company has not removed themselves off my credit XXXX XXXX has removed the original collection and now another collection company is bothering me via mail
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX is continuing to report my mortgage loan as being discharged in my chapter XXXX bankruptcy. The loan was modified and refinanced per the modification agreement. I sent a letter and the modification documents to all 3 credit reporting companies. They are stating that the information from XXXX XXXX is correct and continue to report my mortgage loan as discharged in the bankruptcy.
Consumer complaint received 2024-02-03
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. (NC)

This company has incorrectly put dispute resolved again on my report This is still in dispute and I dont owe them anything. 
I have clearly showed pictures that the damage was caused by the unit above having a water leak and they are the ones responsible for this damage They owe me money
Consumer complaint received 2017-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (GA)

This is the response they keep giving : " was found in your favor and all identified unauthorized transactions totaling {$1600.00} were permanently credited to the account and would be reflected on the XXXX XXXX, 2017 billing statement. '' It is XX/XX/XXXX. There has been no {$1600.00} credit yet. When can I expect these disputes to be refunded? I need more up to date information about resolving this. <P/>XXXX XXXX
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I made a payment to Citi XX/XX/XXXX and received a call that they never received my payment. I have the cleared check from my bank and the check was sent XX/XX/XXXX and cleared my account on XX/XX/XXXX. Citi has never asked for a copy of the cleared check and I have made many attempts through phone calls and email to resolve this matter. They have told me they would credit my account with the amount of XXXX while they investigated and they did not. when I email they say they will get back to me within 24hour with a response and all I hear is nothing. I finally received this email last week but still have not seen a credit on my account. They said they found the check but was unable to credit it to my account due to " some lack of clarity about the whereabouts of the check ''. I do n't know why that is my problems and why they ca n't credit my account. I thought they were processing the check but I 'm very confused and no one will respond to and let me know what it going one. They also said they would credit my account in 3-5business day and still have not seen a credit and its been 5 business days. They also stated in an email that they did not receive my check until XX/XX/XXXX which is not true. The check cleared my account on XX/XX/XXXX. I thought that it was illegal to hold payment. So they have my money but will not credit my account and I had to make another payment this month so I would not get a late payment. I should of had a credit on this account. I do n't know why they can hold my money hostage. I just want my money. They know I sent it. This is insane!!!!!