davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
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)

I recently reviewed my consumer reports and found that there are 23 late payments listed for an account on which I was never late. Consumer reporting agencies play a critical role in ensuring that consumer information is reported with the highest level of accuracy. For the accounts mentioned in this complaint, I have attached screenshots showing that I have never missed a payment on the dates in question [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ]. I request that you investigate this matter and provide statements proving these payments were late. If such proof can not be provided, I insist that these payments be corrected to reflect that they were made on time as agreed, as I have never been late. Thank you. Please see the attached screenshots.
Consumer complaint received 2024-07-09
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX  This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates 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. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) Never Sent XXXX 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 2024-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

I used a XXXX XXXX off XXXXXXXX XXXX and advertised as legitimate. My Chime account was used. At the same time my phone, email, banking, and social media accounts hacked and shutdown Chime. When I requested a refund of funds due to not receiving my product being scammed. I have went through the Chime denial process which I dont agree with. We as Americans have A foreigner, making decisions of allocating funds to Americans, this process creates a dissidence between refunds, American laws, timeliness in the allocation to take place. I was refunded a partial amount on another account. The amount is {$15000.00} and its a federal crime. The dispute number is XXXX and I have kept on filing a reconsideration. Is this because Im XXXX XXXX?
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year>, the bank corrected my name on my checking account, and withheld my pension check due to no fault of my own. As a direct result, denied pension. Seemingly, the pension check was sent back to the pension company on XX/XX/year>, as per the bank. Bottom-Line, the bank fully aware I have bills which now I will be charged late-payment credit card fees due to no fault of my own. Why did the bank send pension check back instead of releasing pension check to loyal customer of nearly thirty years knowingly that it is the banks own fault of having the name on checking account? On XX/XX/year>, the bank corrected their own error by correcting my name on checking/savings account. However, due to no fault of my own, my pension denied. 
Whereby, the bank will charge me over {$340.00} in late fees & charges on credit cards, unfortunately.
Consumer complaint received 2024-08-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MORTGAGE SOLUTIONS OF COLORADO (CO)

I have been requesting my escrow refund/overage that was supposed to be sent to me in XXXX. I have not received my escrow refund and have called for months to get assistance, but keep getting pushed around to different departments with no real resolution. Mortgage solutions owes me an escrow refund of over {$1600.00} by which the latest was the money would be sent via check XX/XX/XXXX. The accounting within my portal shows that the check still has not been cut due to the balance. I am requiring my money to be sent immediately to avoid legal action being taken against Mortgage Solutions.
Consumer complaint received 2015-07-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

After 17 years with other mortgage with no problem or dispute. note all do have office in NJ if by change any problem need to be resolve. Nationstar Mortgage enter the picture in XX/XX/XXXX, problems starts, unfair escrow practice, no office in NJ to talk in person. By pass XXXX to make calls to me XXXX times a day for months. Problems not resolve, block my payment to house insurance [ the insurance send me a refund check ], start to returns personal checks for principal & interest only. IRS form show two month short of principal & interest. House loan not going down. compound interest, charging late fee, charging property tax, Making mistake in last year escrow [ XXXX ]. Hard to talk over phone, refuse to talk to me, want only talk to my wife just because her name is on it. Credit rate went down, had to pay higher interest rate for a auto loan. Nationstar Mortgage is not a XXXX Accredited. Credit rate for XXXX/XXXX/XXXX/ done by XXXX which also pay the property tax for Nationstar Mortgage , possible house Insurance.
Consumer complaint received 2024-08-17
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. (MI)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Account Number : XXXX Update to Open/Never late 4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


7. there is some inaccurate information reporting XXXX Account Number : XXXX Update to Open/Never late 8. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


11. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 




12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account.. 


13. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


14. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CITIBANK, N.A. (NY)

I applied for a home equity loan in XX/XX/year>. I specifically asked if this is a loan they offer. After XXXX months of sending requested information be scanned and additional information requests, they tell me I dont qualify as they dont do equity loans for investment property. 
After I SPECIFALLY asked if this is a loan they offer. 
They asked for all the information on the mortgage for the house I occupy, they should have made this clear NOT XXXX MONTHS LATER!!!! 
XXXX Months of wasted time and energy to get them all they requested. 
I am a professional and I would never get away with this treatment in my organization. 
I am looking for answers!!
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit score and report were visible on XXXX XXXX for months, but one day it showed XXXX and stated I had no credit file. I contacted XXXX, and they informed me they couldnt verify my identity using the information I provided. They requested verifying documents, such as my drivers license and a bill with my name and address, etc. After submitting these documents, I was told I had no credit file. I explained that I did have a credit file and had a score of XXXX on XX/XX/year>, when I checked again on XX/XX/year>, it disappeared saying it went down XXXX points. At this point, I called XXXX. XXXX advised me to contact my creditors to check if they were still reporting. I did call the ones I know and was told there were no issues. When I called XXXX again, they instructed me to obtain a control number. However, I can not access my report, so I cant contact all creditors or correct any of this information. Now, XXXX wont provide me with a copy of my credit report because they cant verify me over the phone, and when I try to create an account online to request the copy, it says I already have an account. I cant sign into that account because I didnt create it. Everyone I speak to refers me to the other party and vice versa. I believe my father used my identity to avoid paying child support and I am a victim of Identity theft. This was also relayed to all credit reporting agencies when I spoke with them.
Consumer complaint received 2024-06-24
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: Experian Information Solutions Inc. (MI)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-09
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. (NC)

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX, Transunion and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 




Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX - Amount : {$200.00} Incorrect Addresses to be Corrected IMMEDIATELY : FROM : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, NC XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing.

Once the inaccurate information has been removed and/or corrected, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution.

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA XXXX Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my XXXX request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Credit Report Discrepancies and Fraudulent Activity I am writing to formally dispute several inaccuracies on my credit report that require immediate attention and resolution. 

Recently, I have identified multiple items on my credit report that are erroneous and do not pertain to my financial history. These discrepancies have arisen due to fraudulent activities where my personal information was compromised. Attached to this correspondence are documents substantiating my claims, including police reports and official letters from the Georgia Bureau of Investigation confirming my status as a victim of identity theft and data breaches. As a result, the items listed below should not be associated with my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Supporting deletion letter attached ) - XXXX XXXX XXXX Based on the supporting documentation provided, I request that these erroneous entries be promptly deleted from my credit file. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. Please inform me of the steps being taken to investigate and correct these discrepancies as per the Fair Credit Reporting Act. 

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-01
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc. (NH)

Received Validation notice ( Dunning notice ) I responded the next day. No response from collector. Two weeks later, I submit a request for response. No answer. No answer of any kind. Original Dept Verification letter has Company name, but fails to have a human to respond to on the notice. ( Credit Management , LP XXXX XXXX XXXX XXXX. XXXX XXXX XXXX TX XXXX ). ( CML ) I am XXXX with a 20 year XXXX XXXX XXXX history. I have a XXXX XXXX and can send you redacted copies of my letters to CML ). At my age, status and credit score, I'm, not worried... XXXX, but not worried.
Consumer complaint received 2023-10-27
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. (TX)

in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 usc 1681 section 602 a state i have the right to privacy.

15 usc 1681 section 204 a section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 usc 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 2024-07-10
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX
Consumer complaint received 2024-07-09
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. (CO)

On XX/XX/2022, I reported that my identity was stolen and was used to open an account with XXXX. I've since deputed and have gotten a written statement stating that this account indeed should be deleted. However, none of the credit bureaus have taken action and removed from my credit report. 

Account number : XXXX Balance : {$1100.00}