davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (HI)

Citibank 's government travel card program erroneously charged off my government travel card while I was on a payment plan and making monthly payments. My account has been paid in full for over 10 months. As an XXXX XXXX XXXX XXXX I am required to have a government travel card, and my current duty position requires me to travel multiple times per year for different missions and Citibank is prohibiting me from being able to effectively perform my duties and responsibilities which will ultimately become a hindrance to my career progression if they do not allow me to get a new government travel card. My XXXX was only used for official travel, and I've done my part by informing my chain of command with every issue that I have encountered and paying off my card. This program is doing a disservice to us XXXX XXXX who follow all of the rules and pull our weight with this broken system that they have in place while the company has already received their money through a government contract and turn a XXXX eye to us when they have the capability to assist. Especially when this is a delinquency that wasn't my fault and the first one I've encountered for the XXXX years that I've had this account.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RE :XX/XX/XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XX/XX/XXXXXX/XX/year> - {$220.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I checked my credit report this morning, I was shocked to find inaccurate accounts listed, and I have no clue how they got there. I usually dont have any issues, but this time, the discrepancies were completely unexpected. I refreshed my browser, hoping it was a temporary glitch, but unfortunately, the errors stayed. Im now asking that the documents Ive submitted be carefully examined to prevent this from happening in the future.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BERKSHIRE HILLS BANCORP, INC (TX)

i am XXXX veteran. On limited income. i count every penny i closed on my home in XXXX XXXX after closing i filed my XXXX exemption for my home which lowered my monthly taxes by about XXXX +/- a month. The mortgage servicer ( berkshire bank ) over paid my property taxes by 2 and half times the amount due. in XX/XX/2020 they received the refund back from the county of {$2100.00} which was confirmed with XXXX who works for Berkshire bank.When we asked why these funds were not refunded back to me the buyer since there were not due and my mortgage payment adjusted XXXX stated they didn't have to they kept it in the escrow account. 

why does the mortgage company need to keep 2.5 times the amount due for taxes in escrow? 

currently there is over XXXX in my escrow account and the tax bill for all of 2020 is {$960.00}. the homeowners insurance was just paid in XXXX. they are not refunding back to me the excess in escrow as i should have a check for over XXXX on top of that my mortgage payment should be a maximum {$550.00} with the adjusted taxes and they refuse to lower it from XXXX. due to Berker shire bank refusing to refund my escrow account and lowering my mortgage payment to the appropriate amount. i have had to sell my car which the payment was only {$300.00} since the mortgage company overcharged me by over XXXX i just couldn't afford it I need help as i have perfect credit and need to live with in my budget please help me as they are stealing from me. i need my money as i barely have enough just to buy groceries. 
i live in XXXX XXXX XXXX district and have reached out numerous time with no response form her office either as i thought public official where there to help citizens in trouble.
Consumer complaint received 2024-11-07
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

According to The Fair Credit Reporting Act FCRA Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b. 2. Company has also no permission to report anything using my information pursuant to 15 USC 1681 4
Consumer complaint received 2021-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (CA)

On XX/XX/XXXX I reached out to XXXX XXXX ( original debtor ) XXXX XXXX XXXX XXXX XXXX to ask why they sold a collection agency my information. They confirmed with me that the account at one point did go to collection due to an unreturned water cooler. They confirmed that the both the water cooler was rec ' and remaining balance was paid. The representative at XXXX waters said they would reach out to Credit bureaus of America and have them remove it. On XX/XX/XXXX XXXX confirmed that the information was sent to remove the collection account. On this same day I called CBA and spoke to XXXX XXXX. She advised that she will call and confirm the if that is true with XXXX XXXX. On XX/XX/XXXX I called and followed up with her she advised that the reason she had not called me back was due to XXXX XXXX not responding to her request to validate the debt owed. This was the last time I spoked to XXXX XXXX and as of today the collection account has not been removed. I have left numerous amounts of messages in the last 10 months for XXXX XXXX and she refuses to take my call or return them. Per CFPB guidelines if a dispute is submitted and they do not respond within 30 days, the debt is required to be removed. Collection Bureaus of America is not following those guidelines. I attempted to call them again today, spoke to a very rude and threatening man by the name of XXXX, he attempted to transfer me to XXXX XXXX and XXXX ( Lindas supervisor ) and as always, they are never available. I asked him to look into the matter and review the notes as I have been verbally and electronically disputing this account. Instead of helping me XXXX decided to hang up on me in the middle of my sentence.
Consumer complaint received 2023-10-10
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. (NE)

I submitted a complaint again XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-11-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation (IL)

The Albert App makes it impossible to deactivate and cancel the subscription. I have tried numerous times, to no avail.

I recently emailed the company, and I am now hopeful I will be able to cancel. I have been charged fees ranging from {$2.00} - {$96.00}.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 
The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC. (CO)

Hello, My complaint is the fact that my credit is being ruined because my payments are not being credited to my account in a timely manner. I am receiving numerous emails stating I am late. I even moved my payment up a few days to make sure it was paid early. I auto pay my bill so there is no excuse with mail. It is my opinion that because these companies are overseas that there is a problem with how and when they are getting the payments and then crediting my account. 

Sofi is my first complaint I started paying on the loan in XX/XX/year> for some reason my initial payment didn't go through so I was late on the loan for XXXX but didn't find out until XXXX when I received an email about a late charge and called the company. In XXXX I made two payments to make the account current. The loan is for my XXXX who paid on the account prior to me. 

A list of my payments : 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 Your account is 20 days past due XXXX XXXX XXXX We have been sending communication regarding a past due payment XXXX XXXX XXXX Take action and pay now! 

XXXX XXXX XXXX Your second payment is delinquent, Pay now to clear your past due balance My other issue is the same but with XXXX I made a payment on XXXX XXXX XXXX and on my statement period for XXXX XXXX XXXX - XXXX XXXX XXXX no payment is showing. 

The same for my payment on XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX no payment showing.
Consumer complaint received 2024-10-14
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. (FL)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2024-10-14
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. (SC)

Subject : Demand for Immediate Deletion of Inaccurate Accounts To Whom It May Concern, This is my fourth complaint regarding the gross inaccuracies on my credit report, specifically the two upgraded accounts that show ZERO payment history. This is unacceptable, and I am extremely frustrated.

Here are the specific issues with these accounts : Missing Payment History : There is no record of any payments made.

Missing Terms : The terms of the accounts are not reflected.

Months Reviewed : The report does not provide any information on the months reviewed for these accounts. 

I am not interested in your standard investigation procedures. I demand to know exactly who you spoke to at XXXX to verify my payment history and the source of the information you have on file. If you can not provide this proof and correct these blatant inaccuracies, then the only solution, per the Fair Credit Reporting Act ( FCRA ), is to DELETE these accounts from my credit report due to incompleteness. 
I expect a swift response with the required documentation. Failure to act will compel me to escalate this matter further. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My accounts with XX/XX/XXXX AND XX/XX/XXXX were never late! I have had exceptional payment history witHXX/XX/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 ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXX/XX/XXXXnever 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 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with 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 60 days 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.

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 XXXX
Consumer complaint received 2024-10-17
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. (PA)

I found out this morning that there are unauthorized inquiries on my credit report, and Im at a loss as to why this is happening. I check my report often, but this time, something is seriously wrong. I refreshed my browser thinking it might be a mistake, but the inquiries didnt disappear. This is beyond frustrating, and I need the documents I sent to be reviewed urgently to resolve this once and for all.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TRANSUNIONwas 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 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.

TRANSUNION 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MO)

To Whom It May Concern : I am submitting a complaint regarding Ally Financial for inaccurately reporting information on my credit files with XXXX, XXXX, and XXXX. The discrepancies across the three bureaus are unfairly damaging my credit score and overall financial standing. I respectfully request the CFPBs assistance in ensuring that Ally Financial corrects these errors and aligns the information accurately across all credit bureaus.

Account Details : Creditor : Ally Financial Reported Issues : Inconsistent and incorrect reporting across XXXX, XXXX, and XXXX Issue Summary : XXXX. Inconsistent Reporting Across Bureaus : Ally Financial has reported incorrect and inconsistent information on all three credit bureaus. These discrepancies include variations in dates, balances, and account status, creating a misleading and inaccurate portrayal of my credit profile. 


XXXX. Request for Correction of Errors : I have previously contacted Ally Financial to address and correct these issues, but they have failed to make the necessary updates across the credit bureaus. This continued inaccurate reporting has caused significant and undue harm to my credit score.

Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation of the reported information. Due to the inaccuracies in reporting, I am requesting immediate correction and alignment of the information on my credit reports with XXXX, XXXX, and XXXX.