davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MI)

My loan was transferred to RoundPoint Mortgage Servicing on XXXX 2023. I signed up for autopay using my bank checking account. RoundPoint payment system was supposed to deduct ( via autopay ) my mortgage ( {$540.00} ) on XX/XX/XXXX. Instead, the computer system indicated my mortgage was due XX/XX/XXXX and the payment due XX/XX/XXXX. If this is the case, my mortgage would be late. I tried to turn off auto pay. there is no way to do so. I " scheduled '' a payment ( apparently their computer system does not automatically deduct payments ) at XXXX AM XX/XX/2023 when I realized my mortgage payment was not paid. 

There is no way to contact anyone during working hours. I have tried everything in the past. I require a human with RoundPoint computer expertise to contact me by telephone to help me navigate their online payment program. Screen shots attached ( I've learned the hard way to always take screen shots ).
Consumer complaint received 2024-08-07
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. (SC)

I did not authorized these inquiries on my Transunion report at all and it is there by fraud I have submitted an identity theft report to transunion as well and this matter has not been taken care of. These are the inquiries I did not authorize and I asked to be removed please. 
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 XXXXXXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE DELELETE IS ACCOUNT NOW XXXX XXXX XX/XX/XXXXO Account Number : XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number : XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My account with XXXX 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 those account to be removed.

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

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


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC (AZ)

Re : Formal Complaint Against Flagstar Bank, Mortgage Account Number : XXXX Dear Sir or Madam, I am writing to formally lodge a complaint against Flagstar Bank regarding the mishandling of my mortgage payments and the subsequent reporting of a late payment to the credit bureaus. 

Background Information : Account Number : XXXX Mortgage Holder : XXXX XXXX Date of Incident : XX/XX/year> Mortgage Payment History : 42 on-time payments with Flagstar ( none late ) ; no late payments across multiple mortgages with other banks. 

Summary of the Issue : In XX/XX/year>, I was enrolled in autopay for my mortgage with Flagstar Bank. However, without my knowledge or consent, Flagstar 's system inexplicably turned off my autopay, resulting in my mortgage payment not being processed on time. 

On or shortly after the first of XXXX, I received a call from Flagstar Bank informing me of the missed payment. I immediately provided the XXXX operator with instructions to process my payment. The operator assured me that the payment had been processed and that everything was in order. 

However, the following month, I was shocked to receive another call from Flagstar Bank, this time informing me that my XXXX payment was now over 30 days late. I once again provided the same payment instructions to the second Flagstar operator, who assured me that the payment was processed correctly this time, and indeed it was. 

This situation arose due to two critical failures on the part of Flagstar Bank : Autopay System Failure : Flagstar 's system inexplicably turned off my autopay without my knowledge, which led to the missed payment. 

Operator Error : Despite my prompt action to rectify the situation in January by providing payment instructions, the Flagstar operator failed to process my payment as promised. 

As a result of these failures, Flagstar Bank reported my XX/XX/year> payment as 30 days late to the credit bureaus. This reporting is unjust and inaccurate, given that I took immediate action to resolve the issue and relied on the assurances provided by Flagstar 's representatives. 

Steps Taken to Resolve the Issue : I have made multiple attempts to resolve this issue directly with Flagstar Bank, but my concerns have been dismissed. Despite my long history of on-time payments and responsible financial management, Flagstar Bank has refused to take responsibility for their errors or to correct the inaccurate credit reporting. 

Request for Resolution : I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist me in compelling Flagstar Bank to withdraw the late payment report from the credit bureaus. This erroneous report has caused unwarranted harm to my credit standing, and I believe it is essential that Flagstar Bank be held accountable for their actions. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-08
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. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to bring to your attention several issues I have encountered with the credit bureau. These concerns include false account listings, multiple, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. 

Resolving these matters is crucial for my financial security, and I would appreciate your assistance in addressing them.
Consumer complaint received 2024-08-07
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. (AR)

I am writing to formally dispute several unauthorized inquiries appearing on my TransUnion credit report. These inquiries were made without my authorization and are not connected to any legitimate account or service. As such, they should be removed from my report immediately. I request an investigation into these unauthorized actions and compensation for any potential harm caused. 

Unauthorized Inquiries The following inquiries were unauthorized and/or not connected to any legitimate account or service : XXXX. XXXX XXXX XXXX Category : Finance XXXX. XXXX XXXX XXXX Category : Automotive XXXX. XXXX XXXX Category : Finance XXXX. XXXX XXXX XXXX Category : Finance XXXX. XXXX XXXX Category : Banking XXXX. XXXX XXXX XXXX XXXX Category : Banking XXXX. XXXX XXXX XXXX Category : Finance XXXX. XXXX XXXX Category : Finance XXXX. XXXX XXXX Category : Finance XXXX. XXXX XXXX Category : XXXX XXXX. XXXXXXXX XXXX  XXXX Category : Finance XXXX. XXXX XXXX XXXX Category : Banking XXXX. XXXX XXXX XXXX Category : Automotive XXXX. XXXX XXXX Category : Banking XXXX. XXXX XXXX XXXX  XXXX Category : Finance XXXX. XXXX XXXX XXXX Category : Finance Violations and Impact The presence of these inquiries on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can negatively impact my credit score and overall creditworthiness, causing undue stress and potential financial harm. 

Applicable Laws and Regulations XXXX. 15 USC 1681b - Permissible Purposes of Consumer Reports : Requires that credit inquiries must have a permissible purpose, such as consumer consent or a legitimate business need. These inquiries were made without my authorization or any permissible purpose. 
XXXX. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : Allows consumers to request the blocking of information resulting from identity theft, including unauthorized inquiries. 
XXXX. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including unauthorized inquiries.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This is NOT a duplicate report and this is not filed by a XXXX party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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 an account without my written instructions. 

Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report Thanks Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report Thanks Account state collection service.inc A Private debt collection company reference number XXXX.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

This is the third complaint Ive submitted against Equifax. They continue to incorrectly report my credit. I have had my XXXX XXXX credit card for over 6 months now and they still wont include it in my report and thus my credit score has remained inaccurately low. I have also had an XXXX XXXX card for over 4 months that they have not included on my report. I understand that it may take a little time for the cards to show up, but 6 months is ridiculous and it is criminal that they are not including it and thus keeping my score artificially low. Criminal! My credit score affects every aspect of my life and equifax and the other agencies are ruining it, without merit! I have also had a discover credit card and XXXX XXXX savor for over 2 months. Not surprisingly those have not been reported as well. Please fix this companys ineptness at reporting my credit score accurately. Thank you.
Consumer complaint received 2024-08-07
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. (IL)

I am not recognize this enquire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Date of XXXX XX/XX/XXXX " Transunion '' 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 via XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : XXXX  : Account Number : XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX 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 2024-08-08
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. (CA)

I looked at my credit report on XXXX, XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b )
Consumer complaint received 2024-10-04
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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date XXXX, XXXX. I'm now requesting you investigate this account and updates this payment to be paid on time immediately. Thank you for understanding and prompt actions.
Consumer complaint received 2024-08-07
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. (NV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.