davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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. (NE)

My account with XXXX XXXX, XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX 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 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 XXXX  that are reported 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 XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXXXXXX, 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-06-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XXXX XXXX XXXX ( my partner of 30 years ) closed her IRA account to cover medical bill as she was in the process of dying. We went to Bank of America ( BOA ) and talked to XXXX to close the IRA account then, but was told it would be 4-5 more business days before they would close it and move the money to her BOA account. 5 days later XXXX called to find out where to move the money and how much to withhold in taxes. All this happen around XX/XX/XXXX. It was my understanding the IRA account was closed at that time. 

Several months later I started to receive statements of the IRA account with {$23.00} in it. Dealing with the passing of and estate of XXXX XXXX 
XXXX I assume this was an accounting error and let it go. 

XXXX of XXXX I was still receiving statements for the {$23.00} so I contacted XXXX and was told that I was the benefactor of the account. 
That they could send me the balance but I had to fill out and notarize a Affidavit of Domicile, they had the Death Cert on file from XX/XX/XXXX, which I did. I was instructed to email it back then call the next day, which again I did. Talking to XXXX personal on XX/XX/XXXX I was told that a check would be issued for {$23.00} and to expect it no later then XX/XX/XXXX. I also talked to another associate about the impact of taxes on money from this account. 

XX/XX/XXXX I contacted XXXX again as I had not seen a check. 
I was told then that " Oh we have to charge for closing the account of {$49.00}. I was never told this, I was not given any paperwork stating this, but was told by XXXX on XX/XX/XXXX that I would receive a check. Later this same day ( XX/XX/XXXX ) I received a phone call from another XXXX personal stating they were sorry that they made an error when talking to me on XX/XX/XXXX and that there would be no check coming but they would kick it up to management for review. I should receive a phone call from the management in 24-48 hours. 

I was never told of any closing cost, it should have been considered closed in XXXX when we waited 5 business days for the stock and bonds to close. They never contacted me that there was no check coming, they just let me hang till I called then stated we are keeping the money we promised you. 

I know it's not a lot of money but it's the point, I followed their directions, a cost to notarize their form was incurred by me and now they will not keep their word and cut a check to me. I have to wonder how many times this has happen to other people who would just say its not worth it and XXXX gets to keep money they are not entitle to.
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (FL)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX is the Credit Union and Experian is the reporting agency. Also because of inaccurate reporting the auto loans will remain on my credit report for 8+ years instead of 7 years. Again, I have requested an account deletion by Experian or an immediate correction. Waiting longer continues the detriment. The damage suffered is irreparable.
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (FL)

Experian refuses to make report available online in any browser at any time. Experian refuses to explain WHY it will not make report available online. Repeated contacts with Experian lead to company saying " you received report by mail. '' THAT IS NOT AN ANSWER. Experian REQUIRES report to be ordered by mail and refuses to make it available online. Please see attached document for the message displayed at XXXX. THIS IS ONLY DONE BY EXPERIAN ... other credit bureaus provide reports honestly. EXPERIAN REPEATEDLY REFUSES TO EXPLAIN ITS DELIBERATE FAILURE TO PROVIDE REPORT ONLINE.
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

I applied for a XXXX loan during the pandemic to fund my what was to be, hair company. I received the money through Chime from XXXX. I had access to the funds, and I tried to make XXXX purchase and the card was locked. When I tried to see why it was locked, they said it was fraudulent. I ended up sending them my ID, Birth certificate, XXXX, a bill with my mailing address and the loan application as proof. After all that information they still refused to open my account or to even return the funds to me. My business has now failed XXXX XXXX not in so much debt and this loan was supposed to help me. I just want the money back so I can pay off this loan.
Consumer complaint received 2024-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (NC)

I was logged out of my Robinhood account around XX/XX/year> and have since found from BBB that this has happened to other customers.A hacker was able to get in and play around with/trade from my accounts which left me with a deficit.Robinhood refuses to be accountable and says it was my fault.I changed my password and other information but still have not been able to secure my funds that were available in my account. 

This is the repeated message received Robinhood logo Your account is no longer restricted XXXX XXXX, Good news : we lifted the restriction on your account. That means you can now transfer money and open new positions. 
We also looked into the suspicious activity on your account. Based on the results of our investigation, were not able to restore any losses of assets that might have happened. 
Thanks for your patienceour support team is here to keep you and your account safe! 
The Robinhood team This is absolutely horrific!
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (FL)

I requested an Escrow waiver for property taxes and Homeowners Insurance from my lender Flagstar Bank. Let it be known that Flagstar Bank bought the loan from XXXX XXXX. Flagstar sent me a physical letter via XXXX stating that the waiver is approved. 
To date, Flagstar has NOT released the Escrow funds and I am still being charged ESCROW on my mortgage payment. Weeks after the ESCROW waiver was approved, Flagstar states that I need to pay {$320.00} for Flagstar to release the ESCROW and to stop collecting the funds. 
# XXXX This is a breach of contract as they already approved the waiver before demanding the fee # XXXX This is extortion ; extortion is illegal # XXXX How can they charge a {$320.00} fee on money that is NOT the property of Flagstar ( Property Taxes & Homeowners Insurance ) # 4- Flagstar purchased a loan from XXXX. I was NEVER given a choice about this arrangement and I have NEVER signed anything with Flagstar # 5- It costs Flagstar NOTHING to ESCROW money that DOES NOT belong to them. 
# 6- I pay 4.875 % interest. Flagstar makes enough from me.

Flagstar should release my funds immediately based on the above facts. 
XXXX XXXX
Consumer complaint received 2023-12-19
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. (OH)

This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this. 

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal.

Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. 

I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies on my consumer report. 

You have furnished excluded transaction information on the following accounts : XXXXXXXX XXXX XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. 

I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. 

As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. You are now on notice and I am hoping you obey the FCRA so we can avoid any court situations. 

Thank you for your time.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

The date they have this item reported as charged-off doesnt match my records. I requested that they verify the information and remove any inaccurate information from my credit report as quickly as possible. They simply responded and said the information was accurate and didn't provide any proof.
Consumer complaint received 2023-12-19
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
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)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries 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 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 Please remove it from my credit report
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

someone XXXX stole my name and tried to do an hard credit check from this bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I want it removed from my credit score at Equifax I never signed up at this bank before and I don't live in Ohio
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I cancelled XXXX XXXX XXXX in XX/XX/XXXX but they kept charging me. I did not pay internet service from XX/XX/XXXX. The original Date of XXXX Delinquency is XX/XX/XXXX. Equifax listed Date of 1st Delinquency XX/XX/XXXX is incorrect. I requested them to change to the correct date as XX/XX/XXXX. They refused to change to the correct date without providing any evidences showing that I had paid from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2024-09-22
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)

My name is XXXX XXXX and I am not filing disclaim in the third person. I am a living woman whose privacy rights have been violated. THE ACCOUNTS ARE INCOMPLETE AND NOT ACCURATE. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXX XXXX # XXXX {$3100.00} XXXX XXXX XXXX # XXXX {$7200.00} XXXX  XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX  / # XXXX {$660.00} XXXX XXXX XXXX/ # XXXX {$87.00} XXXX XXXX  / # XXXX {$4000.00} XXXX XXXX / # XXXX {$1200.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I Have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2024-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (RI)

Previously filed a complaint and the mortgage company states we just reached out and that is not true, I have documents I will load to show we have been reaching out since XXXX
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am extremely dissastified and frustrated with the handling of my recent disputes regarding certain accounts on my credit report. Despite my repeated efforts to seek validation of the debts in question, there has been a glaring lack of information provided by your bureau. The following accounts are causing me immense distress, and I have yet to receive sufficient evidence validating these debts : XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX - XXXX XXXX XXXX. I emphasize that I am the victim of identity theft, and it is perplexing and infuriating that your bureau has not complied with the law to ensure accurate reporting and debt validation. The other credit bureaus have responded appropriately to my disputes, leaving me bewildered as to why your bureau persists in this non-compliance. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2023-12-19
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
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. (FL)

DEAR, TRANSUNION I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX  XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Consumer complaint received 2023-12-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you with an escalating sense of frustration and anger regarding the fraudulent accounts tarnishing my credit report. It has come to my attention that my financial integrity is under attack, and I demand an aggressive and immediate response from your organization to rectify this appalling situation. I was the victim & Im not sure why the CRA is not complying with the law. 

I can not overstate the severity of this issue and the urgency it demands. It is both infuriating and deeply concerning that my credit report, a document crucial to my financial well-being, has been compromised by accounts that are unequivocally fraudulent. I insist that you unleash the full force of your investigative capabilities to scrutinize and obliterate these fraudulent accounts from my credit report posthaste. The extent of this breach requires nothing short of an aggressive, immediate, and unwavering commitment to resolving this matter. 

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 FRAUD, PLEASE DELETED I need you to comprehend the gravity of this situation and the irreversible damage that inaccuracies of this magnitude can inflict on a person 's financial standing. I will not tolerate any further delays, excuses, or half-hearted attempts to resolve this matter. 

Should you fail to rectify this situation with the utmost urgency, be forewarned that I will not hesitate to pursue all available avenues to ensure justice, including reporting your negligence to regulatory authorities, engaging legal representation, and utilizing social media platforms to expose your organization 's lackluster response. 

Time is of the essence, and I expect you to treat this matter with the urgency and seriousness it warrants. I anticipate written confirmation of the removal of these fraudulent accounts within 14 days of your receipt of this letter.