davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My consumer report shows a late payment on an account that I was never late on. It is the consumer reporting agencies ' responsibility to report consumer information to the best of their ability. They assumed a vital role to do so with maximum accuracy. I have NEVER been late on payments for the account : 1. XXXX XXXX XXXX Open Date : XX/XX/2022 Please investigate and provide proof with statements showing these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be.
Consumer complaint received 2024-06-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America reported a delinquent payment on my credit report without sending me a statement or any default notice. It is my understanding that this is a violation of the Fair Credit Billing Act Part D 1666 ( b ) 6. 

I only learned of this past due payment from an XXXX alert telling me I had a negative item reported. I pay my charge card off in full every month. The month the payment wasn't made Bank of America did not send a statement. I can't make payment on a bill I don't know I have. There was no statement in the mail, text alert or phone call. 

Once I received the XXXX alert I immediately contacted Bank of America and paid the {$66.00} credit card balance. After lengthy investigation with Bank of America, they advised me over the phone that my account was switched to paperless billing and that they can't find authorization from me to switch and it appeared to be a system glitch on their end. 

They have told me numerous times they will update the credit report but they haven't done so yet. It is unfair companies like Bank of America can report a negative event on a credit report without first sending a bill or notice of payment due, or notice of default to the consumer. 

They have refunded the late fee and interest charge related to this payment. I'm requesting your help in correcting their credit reporting to XXXX, XXXX and XXXX. 

Thank you.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX 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 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I tried numberous of times to resolve this issue with capital one and late payment forgiveness. My grandfather XXXX XXXX  XX/XX/2017 and I had to do all XXXX arrangements alone and all expensive. As a single mother of my XXXX years old son that I still have to take care of. I called capital one and informed them of my issues to see if they can give me extension for this payment during my hard times, representative stated do not worry we will take care everything once your grandfather is XXXX XXXX XXXX They did not take care of the issue but instead reported me 30-60 days late. I been continuously paying my capital credit card on time still today. I been reaching explaining I only felt short one time and I be paying good before and after this issue. Can you please give me a me a chance since I been a loyal client and remove the late payment. Everyone decline. This issue is affecting me tremendously and I have a son. I can get a apartment and I need to move because its showing delinquent account. Everything revolves around credit and its affecting me. Please I need help and want this resolved. 2 bureaus have me reported late in XXXX and the other in XXXX so I know thats an error.
Consumer complaint received 2016-03-25
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ALTERRA GROUP, LLC (GA)

I applied for a mortgage on XXXX XXXX, 2016. My scheduled closing date was today XXXX XXXX, 2016. The lender has caused me to miss my closing day. I supplied all of the documentation that was requested and still, I have not been told if my loan was ever even approved. I have asked about this numerous times and I get either no response or a " its in underwriting ''. It has been over 4 days now and I am in the dark as is my realtor and the seller. I am in an emergency situation where I must be out of my house by Wednesday XXXX XXXX, 2016 and I have nowhere to go or live. I do not know what else to do. My lender is dragging their feet on this. I know under Equal Credit Opportunity Act that the lender is required to render a credit decision within 30 days of application ( Regulation XXXX ). it has now been going on 60 days and I do not know anything at all. I escalated my concern to the manager, XXXX XXXX, and he told me " you are out of line '' and all I did was post a message on the companies XXXX page which stated " I am not having a good experience and I just need someone to please help me get my loan closed. Please help. ''
Consumer complaint received 2023-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (WI)

XX/XX/XXXX XXXX : Our records indicate that you filed a petition ( Docket Number XXXX ) under Chapter XXXX of the Bankruptcy Code ( Title 11 United States Code ) on XX/XX/XXXX, and the Proof of Claim was filed on XX/XX/XXXX. The funds received on XX/XX/XXXX, in the amount of {$2600.00}, were applied as the next oldest contractual payment that was due as of that date, which was the XX/XX/XXXX, contractual payment in the amount of {$2000.00}, the remaining funds were applied to the suspense account. 
This is clearly a violation of Mortgage Payment Application 11 U.S.C. 1322 ( b ) ( 5 ) - Splits the Debtors mortgage obligation into 2 separate parts. 1. Pre petition arrearage- which must be cured during the term of the bankruptcy. 2. Post petition ongoing payments- Debtor must maintain the ongoing monthly payments pursuant to the terms of the mortgage and note- paying as and when due. 3. The debtor 's ongoing postpetition mortgage payments must be applied from the petition date to the underlying debt based on the mortgage contract terms and original loan amortization as if no default exists.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

this company is stating that i had a late payment when i did not i tried to explain to them that they must have mistake with their system and that i always made my payments on time and my bank even stated to me that the payment was taken from my account in time and that it was not their fault. this company has refused to fix the situation even after numerous attempts. This is a violation of the FCRA all information must be truthful and accurate at all times and if not then this company can face possible fines and penalties in which i will seek for all of the complications i have had to go through to fix this problem they must show proof that it was my fault that the payment was ever late i paid them on time and they took the money but still put a negative remark on my credit which has impacted me negatively which is against the law. They state that my payment was late XX/XX/XXXX in which it could of very well been a problem with their systems due to corona related issues in once again you cant penalize a person if something happens because of a National Disaster.
Consumer complaint received 2024-06-08
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. (AL)

Transunion has denied me access to my online account to monitor my credit file, to file online disputes, ability freeze my file. For over 2 years Transunion has denied me this access, claiming security issue identifing me. I have call numerous times and sent information to Transunion, response I am being given is that I should have access for me to go log in, that just isn't true -- when I go to log in I get this response " Account Security : Your account has been temporarily suspended. ". 
I am being denied equall access to my credit file to file disputes online, the ability to place freezes on my account if I chose to, etc. There is incorrect information in my Transunion credit report that I need to view and dispute. 
I am suffering from having to spend time to get no where with these issues, I am denied employment, housing, mortgages, credit cards, vehicle loans, equipment loans, etc due to this violation of my rights.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

There are several inquiries on my recent credit report with the same date of XX/XX/2022 that I didn't authorize to obtain my credit report. Those below items are still reflecting : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I've also called several times in regards.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I asked the CRAs to take off old information, as XXXX now says that 3 year old information can be removed. I have been paying off my debts and cleaning my record. A woman at XXXX got mad at me and has since been destroying my credit information. She has been refusing to remove old information of delinquent payments, my loans that I just payed off have been completely removed from my history. Some paid items are still being reported as unpaid. XXXX is on my report with an old debt and the date is being shown as current and neither will remove the debt. Also every few days my score is dropped for no reason. It just shows XXXX points removed. Since my complaint, my score has dropped XXXX points and nothing has changed. They are systematically destroying my credit on purpose because I complained. They speak to me unprofessional, and are using their position to destroy my credit. Their behavior should be investigated federally.
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (TX)

I have been involved in an ongoing disagreement with the Amazon credit card firm -- Chase Bank USA NA regarding their credit card rules and a disputed late fee charge which is now compounding. I owe no other monies to said firm ; only the late fees and penalties are in question. I just got off the phone with their representative, XXXX XXXX. She told me nothing would be done to explain, correct or ameliorate the situation and " have a nice rest of your day ''. She told me that I was properly informed regarding the cancellation of said card and that according to the recording of the event I was given 30 days to redeem my points. I do n't know if XXXX XXXX is lying or merely misinformed but this was not the case. Nor did anyone at any time make any effort to explain to me what are the actual rules regarding my usage of the Amazon/Chase credit card. I doubt that this further effort at seeking equity will make any difference but at least I will have made a formal complaint against and company and policy I consider to be entirely wicked.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, 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. (MI)

in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BRite Financial Services, Inc. (WI)

THIS IS A NEW COMPLAINT NOT A DUPLICATE!!!!!!! 


Brite Financial reported fraudulent information to all three credit bureaus. Advised that I missed 3 payments in XX/XX/XXXX XX/XX/XXXX as of  XX/XX/18. Payment was made to Brite financial on XX/XX/2018. No further payments were due at this time. Copy of receipt shows payment made. 30 days BEFORE report made to credit bureau. 

Furthermore there is still no working phone number to reach ANYONE.
Consumer complaint received 2022-12-16
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

Once again, Synchrony has reported me as being XXXX.I reported them before because previously they listed me as being deceased on another account. This caused Accession collections to torment me regarding an estate for the deceased. I AM NOT DEAD!!!! This has caused me a lot of stress and anxiety telling people I am not dead. Why did they do this?? 
This is from XXXX. 

SYNCB/CARE CREDIT Balance updated XXXX XXXX, XXXX Account Info Hover over labels for more details Account number XXXX Account status - Date opened XX/XX/XXXX Account type Charge Card Usage : - Balance on XXXX XXXX, XXXX Credit Limit XXXX {$7000.00} Payment Info Status Consumer reported as deceased Status date XXXX XXXX
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (GA)

I am writing to delete the following fraudulent accounts in my file. These items I need to be deleted contains inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these changes. I reported the theft on my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, 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)

XX/XX/2022 car payment was tried to be taken out of an older bank account that was on listed on my payment section. I never provided this account information but they tried to tell me that I put it in. I never did such thing ( account had been closed since before getting the car loan ) and always made my car payment with the correct current bank information that was saved on file. They processed my car payment on that old bank account and reported it late. The payment was never late. Im waiting back on the audit report for my account and its been over 90 days since the start of the case with no new information provided besides were still investigating email confirmation of payment also comes up as XXXX coupons and has been reported as spam
Consumer complaint received 2022-05-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Self Financial Inc. (NC)

Opened an account with self lender in XX/XX/2021 because it was supposed to be a savings that helped to boost your credit and at the end you get all your savings back. I decided to close my account in XXXX when I realized this was a scam and in fact did nothing for my credit score. I understand there was a {$9.00} admin fee but attached you can see I paid {$160.00}. The {$25.00} payments didnt come out but thats not a late fee. Im having to wait over 2 weeks and my payout is only {$92.00}. I want the other {$75.00} I contributed to this account. This is a scam and theyre stealing peoples money
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MN)

I filed a dispute with discover about a defective item that a merchant would not accept a return on within their return policy. Discover has constantly worked against me in the matter and aided with the merchant with no proof or documentation. Discover works for the merchants not the consumers of their card.
Consumer complaint received 2021-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

In a big thing of identity there since XXXX I started having problems with XXXX I lost a lot of money and then I started having problems with XXXX XXXX then I started having problems with XXXX XXXX  and now I'm having problems with the bank that I have right now that is Citibank money spent withdrawal without my authorization and big amounts of money and also have been withdrawal last month XXXX word withdraw out of my account and the month before it was XXXX now this one is XXXX have clues of people working in Branch doing fraud with money please I'll be having this issue for a long time thank you I want to open investigation and if you guys need information on more than happy to help you
Consumer complaint received 2018-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (SC)

On XX/XX/2018 I received an alert from my credit monitoring service that a collection was placed on my credit report from XXXX XXXX XXXX in the amount of XXXX. I tried contacting this company and was never able to actually speak with a agent. 

First off, I have never heard of this company nor have I ever been contacted regarding this alledge debt. The collection information states this account was placed with this company in XX/XX/XXXXof this year. I have no knowledge of this debt and I'm XXXX percent sure I don't owe it. I am retired and debt free. I pay all of my bills and I DO NOT owe anyone. I want this bogus debt removed from each credit report it was placed on. I am aware of my rights as a consumer and I definitely will not hesitate to sue this company for defamation and smearing my credit profile. Also what company just goes around and places debts on credit reports with out allowing the consumer the ability to dispute the validity of the debt, which is my right as a consumer, and I was not given that opportunity.