davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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. (CA)

Account Name : XXXX XXXX Account Number : XXXX you are reporting multiple errors on this account so please investigate and make sure its 100 % accurate per FCRA you are reporting different date opened Transunion , and XXXX don't match update or delete immediately you are also reporting different date of last active means you are in violation for re-aging this account this is a huge error because this determines when this account gets deleted under the fcra update if you can't update or verify the correct date last active you must delete this from all of my consumer reports
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Round Up Ventures, L.P. (OH)

My name is XXXX XXXX, I was reaching out to you regarding some assistance. 

The issue that Im having with this company, Lendly Loans, they have reported me having late payments from last year from XX/XX/XXXX and XX/XX/XXXX, I checked my credit report from XXXX and XXXX!!!! I have made my payments for this company and they keep reporting me as late. My loan is almost paid off with them this year in XX/XX/XXXX. XXXX sick and tired of this company reporting me late, when I paid last year XX/XX/XXXX, balance. I spoke with a lady who told me that XX/XX/XXXX payment amount was paid and was not returned so I would not be marked as late, I feel this company is very shady and send incorrect information to the credit reporting company!!!!! All this information is from XXXX and XXXX. 

Give me assistance or help on what to do would be very appreciative as Im trying to establish eventually getting a home for my family.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (FL)

MOHELA Balance details 0 % paid off Balance {$38000.00} Balance updated XX/XX/XXXX Original balance {$38000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX MOHELA/DEPT OF ED Balance details 0 % paid off Balance {$38000.00} Balance updated XX/XX/XXXX Original balance {$37000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Contact info Address XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-06-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Mortgage was paid in advance through the month of XXXX and when we went to pay the XXXX mortgage we were told not only was the XXXX amount not paid but that also we owed an additional {$800.00} per month starting XXXX. Mortgage amount was {$1600.00}, and they now state it is {$2400.00} per month. We were not notified that this change would be happening until after it already happened. In addition, they initially refused to apply my payment I had already made to the premium for XXXX until after I notified them that I would be filing complaint against them. 
They are stating the amount owed is over a year old and they are just now discovering this. Per their verbiage used they are treating us like we are default on old payments, when in fact we were ahead. 
This company texts/calls/emails us on an almost daily basis because they see we have a lot of equity in our home, and they are trying to get us to refinance with them or purchase another property using the equity. We feel this " owed balance '' is an attempt to get us to default on the mortgage. We happen to be fortunate enough to have the money to cover the difference until it can be resolved but we know if they do this to us, they do this to others who can not afford it.
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OH)

I have a chime account for a while, XXXX was my email for them I tried updating it to my new email XXXX and they made a error and created a new account which ended up getting them both closed and I have a balance of {$200.00} this was last year XXXX around XXXX, I attempted emailing them and calling which accomplished nothing they always tell me they were expedited the case to get it resolved, them emailed me to send copy of id and account info which I did to fix problem and get my money and that was the last I heard. I have called and emailed many times asking about my money which they said would be mailed by check in 30 days and nothing came, I'm owed {$200.00} dollars and no one there will give me a answer. Please help, I deposited the money on my card/account at XXXX XXXXl XXXX XXXX XXXX {$200.00}.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX someone hacked my checking account and reversed a large number of payments I had made to various companies At the same day I lost my ATM card and what they did was reverse the charges to put money into my account and then used my ATM card to withdraw the money for a total of over {$4200.00}. I contacted Chase immediately and told them what happened after my vet called to ask why I had put a stop payment on the charge I had placed in XXXX. I then realized the extent of the fraud. I immediately went into the bank and closed my account. The payments were not immediately returned to the people I paid but I then went into another Chase branch and the manager talked to the fraud department and the people who charges were reversed got paid by the money taken with my ATM which amounted to XXXX was not I then again called the fraud department and told them that my ATM card was missing the same day as the fraud and they reversed the XXXX  back into my account Yesterday I found that they reversed the XXXX  again and I was overdrawn by XXXX I went again into the bank and talked to the branch Manager who called the fraud department and the are saying I gave someone my debit card pin and I stole the money and I should go back to the places that the money was taken out to see if they have any videos and I should bring them to the bank to prove it wasnt me I am a senior citizen living on social security and Chase basically stole my entire check so I cant eat or pay my bills
Consumer complaint received 2024-06-06
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)

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance ; : {$760.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$8600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX  Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX  Balance : {$4300.00} ; XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This notice is to Bank of America For Privacy Breach, Denied Credit, and sharing my information without my consent to Non affiliated XXXX parties, which is a breach of there terms and conditions. I have uploaded documents providing my proof of denial, and also proof my information was shared or sold to Early Warning. 15 usc 6805 Enforcement 15 USC 6802
Consumer complaint received 2024-06-06
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 have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-12-05
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2024-05-20
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: LoanCare, LLC (NY)

XXXX of XXXX, I contacted LoanCare Mortgage company in regards to the constant late payments reported to my credit while the loan was in forbearance. The length of the forbearance was during COVID-19. When I contacted the company, the representative stated there was a past due amount that would be rolled over and I asked why I wasn't notified of the late payment. I was never provided an answer.
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I have owned my home for nearly 20 years. I am facing a foreclosure sale because my mortgage lender, Nationstar refuses to review my financial information and put any options on the table. Nationstar has stated to us that even though they received XXXX in government bailout funds that they are not obligated to participate, and that the investor on our particular loan does not offer any type of modification or retention options. This despite the fact that my wife and I earn a solid living and clearly fit into guidelines for government programs. This is a situation that could be fixed, but Nationstar will not assign a single point of contact, will not even look or consider ANY type of retention programs. I understand that possibly the investor has rules but it is common sense to try and FIX the problem when we have clearly demonstrated the ability to pay. 

We tried to talk to them about other options for retention outside of modification ( recapitalizing the late payments, repayment plan, etc. ) but they would not even CONSIDER this. I must say that I believe that this may have been racially motivated. My wife and I are XXXX XXXX and we were misled from the time we were talked into this bad adjustable rate loan ( starts at 7.5 % and can adjust as high as 14.5 % ) and then when we struggle we are told we ca n't even be CONSIDERED for a government program that we know our lender participates in. The agents who said they would help us and work with us soon became condescending and rude and then simply ignored us. This is not acceptable. I make a solid income through my social administration work. My wife is gainfully employed as well. We are not asking for a handout, just a fair shake. Nationstar has not given us one. We clearly fit into guidelines for help and this is an avoidable foreclosure. This situation is bad for our family, for our neighbors, for Pennsylvania and for our government that used taxpayer money to give Nationstar XXXX to help struggling homeowners!!!
Consumer complaint received 2023-11-16
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2024-06-06
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)

In XXXX my identity was compromised and a theft somehow got a hold of my personal identifying information such as my name, my date of birth, my social security number, my address. The thief broke into my mailbox multiple times and stole my mail and used my identity to open several accounts, they also went and applied for government benefits in my name. Once i became aware of the identity theft I immediately reported it to the postman inspector general, and to the XXXX XXXX police department. When i seen XXXX account pop up on my credit report, I knew I didnt open this account and so I reported the identity theft to XXXX XXXX XXXX XXXX and Transunion and directly to XXXX i wrote a dispute letter, along with a FTC id theft report and a copy of the police report filed with XXXX XXXX XXXX XXXX. XXXX has ignored my identity theft dispute. This is a violation of my rights under the FCRA. 

XXXX has a duty to investigate a dispute from me the consumer sent to the address listed to receive disputes. XXXX is in non compliance of 15 USC 1681s-2 ( A ) ( 1 ). XXXX also has a duty to correct and update information being reported that is inaccurate. 

Not only has XXXX ignored the Identity theft dispute that XXXX, XXXX and Transunion forwarded to them which is a violation of the FCRA, also XXXX has ignored my direct dispute I sent certified mail in XXXX of XXXX and another dispute with a copy of the police report and FTC report in XXXX of XXXX. NO INVESTIGATION HAS BEEN DONE BY XXXX XXXX has not investigated my dispute nor have they provided me the results of such investigation. It has been over 90 days and still no response from XXXX.
Consumer complaint received 2024-09-23
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 accounts 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 to be removed/updated.

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.

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!
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. (FL)

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( i ) ( b ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with my legal counsel for suit. This includes listings of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

E STOPPEL PARAPHRASE : I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT EXIST
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I make my payments on time, every time. Im sure of that. What confuses me is why this company reports late payments for some months. USC 1666b requires that billing mistakes be corrected and marked as paid as agreed.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

XXXX, Account Number : XXXX, XXXX, Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX, Account Number XXXX has violated my rights. 

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 items 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXXXXXX 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 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 on my 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 XXXXXXXX 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.