davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
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. (WA)

XX/XX/2020, my husband and I contacted XXXX XXXX XXXX to ask them why they were reporting our auto loan account as closed to one bureau, 8 times late to another bureau and 10 times late to the other bureau. We also asked them to correct the inconsistencies. We further asked them to at least remove the late for XXXX and XXXX of 2020 as per the Cares Act. They said they would look into it, acknowledged the errors and said it would be fixed. 

A few weeks later we were denied a home loan when our lender pulled our credit and saw these same errors on our XXXX Account. Again, we called XXXX and asked them to correct the reporting and they told us " NO. '' They said they did not have to correct any of it. 
We reapplied for a home loan in XXXX-errors still on credit report. We have sent letters to XXXX requesting that they correct the reporting, and received no response. 
We have emailed and called numerous times and they refuse to correct. 
We called the U.S. Supervisors of each of the three credit reporting bureaus and they have all told my husband and I that XXXX is giving them the info that they are reporting and that as such, they can not fix it even if we give them our records. 
We old XXXX that we have confirmation from the credit bureaus that they are in fact reporting this inconsistent and inaccurate information. XXXX acknowledged that they are giving the bureaus the information and are still unwilling to correct. 
We have explained that this inaccurate information is causing us to be unable to secure a home loan, subsequently putting us in danger of homelessness and they refuse even though their own website shows that we made the payments ( triple payments last XXXX ), and they are not charging late fees for any alleged lates-yet still refuse to pull off the lates even though according to the Cares Act-they can pull off the lates. We proved that we didn't pay late those months and still they refuse to fix it.
Consumer complaint received 2022-12-08
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 information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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 If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A balance is reporting on my Bank of America account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2021. I have tried to resolve this issue directly with Bank of America and they have failed to correct it.
Consumer complaint received 2022-12-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (MD)

I filed XXXX bankruptcy in XX/XX/XXXX due to XXXX XXXX in my mortgage payments. I completed a XXXX XXXX  that was eventually denied by XXXX. To date my XXXX XXXX  are current ( {$500.00} ) bi-weekly. Now XXXX has filed a default indicating I am in default. I have less than a year and my bankruptcy plan will be XXXX in XX/XX/XXXX. XXXX now has filed a default in court that have not made all my payments as required. The last XXXX  months ( XXXX, XXXX & XXXX ) I received mortgage statements other than that I have received none since the filing of XXXX. The mortgage balance has been the same ( XXXX ). The statements show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yet quickly I am in XXXX and XXXX XXXXXXXX. This company has XXXX me to attempt to XXXX  at a time when I should not have to. Their records are totally wrong and there needs to be an investigation. I have XXXX  my home for XXXX years. The XXXX XXXX of the mortgage XXXX was {$37000.00} yet XXXX is {$25000.00}. There are no records of payments received. I am filing this complaint as I am totally disgusted with this company and the handling of my mortgage account XXXX. Please help me to locate all the payments made to this account and keep my home. Thank you
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received notification that my credit score had gone down and there is some unknown XXXX XXXX CHARGE THAT IS NOT MINE FOR {$510.00}!!!!!!! HOW MANY TIMES DO I HAVE TO DEAL WITH THE XXXX AT TRANSUNION AND XXXX ABOUT THIS ISSUE???? They have removed and put back on this same XXXX over and over AGAIN!!!! I DO NOT AND HAVE NOT HAD XXXX XXXX!!! THEY HAVE TRIED THIS BEFORE ONE TWO AND THREE YEARS AGO AND I FOUGHT THIS XXXX OFF WITH CINVERGENT!!!! I TURNED THE EQUIPMENT IN AND HAVE NOT HAD XXXX SINCE XXXX!!!!! 
GET THIS XXXX OFF OF MY CREDIT REPORT NOW BEFORE I SUE CONVERGENT AGAIN
Consumer complaint received 2021-02-23
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. (LA)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2022-06-29
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. (MD)

Good Evening. I have made several attempts to have the inquires, wrong names, addresses, bankruptcy accounts on my reported removed from Transunion. I have sent my information several times and I have the tracking number XXXX. I have also requested a copy of any written authorization that I gave to TransUnion to report anything on my behalf. TransUnion has violated my privacy and continues to put false information the credit report.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

on XX/XX/XXXX XXXX XXXX XXXX  SHOWED UP WITH A XXXX Balance. Incorectly which shot my credit down XXXX points. to XXXX ... called chase and filed a dispute... they now show me to the normal credit card balance of XXXX. 

Called corporate offices since this has affected my businness and XXXX loan. 

XXXX received the correct balance as of today XX/XX/XXXX. my score went up XXXX points yet it still shows on my report that I once had that balance. my score should of been back up to XXXX. 

They should not be able to do those things even by accident, how does my credit shot by XXXX points and only once corrected up XXXX points. Help! XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

When I was XXXX I got a Car and shorts afterwards the Next year I XXXX because I am an XXXX XXXX XXXX in the XXXX. When I XXXX I didn't have anyway to contact XXXX I tried to. download multiple Texting/calling apps, I tried emailing but to no Avail I could not reach XXXX in America. When I returned I noticed that I had a collection and it was from them It said my account charged off in XXXX when I was XXXX and whenI called and told them my situation they rest assured I was good and that it was okay. They gaslighted me Into believing things until I just paid the car off in one big lumpsum. While I was paying they reported every month CO reseting my date of last activity with them.I tried to ask them to stop since they can not legally do that and they said that they are doing what they are instructed.I didn't argue or fight with them because, I was young and didn't realize how bad that was. Now I recently tried contacting them to no avail to get the to delete the CO month by month and have a more accurate reading and they have not. I Paid the account off in XXXX
Consumer complaint received 2022-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

Requested a payoff letter for my mortgage to payoff the mortgage to get away from Rushmore Loan Management, received the payoff letter XX/XX/XXXX with a good through date of XX/XX/XXXX. Sent the payoff of {$89000.00} to Rushmore through XXXX next day on XX/XX/XXXX, to be signed for at delivery. No one was available at the office to sign for delivery on XX/XX/XXXX and someone from Rushmore signed for the payment on XX/XX/XXXX at the post office. Rushmore is now stating the payoff is XXXX and refusing to apply the payment of XXXX to the loan and still charging the full per diem interest amount on the full payoff amount instead of the change the per diem would be on the remaining XXXX. Ive had multiple issues with payments not being processed timely, or at all with this company.
Consumer complaint received 2021-01-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I should not have to be doing this complaint if the credit bureau were doing their job. Back in XXXX of 2020 I filed dispute with XXXX, Transunion and XXXX. There are things on my reports that are not correct and I want them corrected. This should not take this long to do that. Attached is the first disputes I submitted
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (MO)

Today XX/XX/XXXX XXXX is still investigating, while Experian is still allowing the XXXX XXXX XXXX XXXX to post the amount of a loan to be on the credit report which should be off my account due to the 7 year limitation statue from XXXX. I located information of the XXXX XXXX ( XXXX ) who have contacted me about a breach and I was one of the thousands who account was breached. Plus medical information showing that I was unable to work and could not have made payments but was documented on the credit bureaus history I have made ( was fraudulent ) in order to keep the account open and to not allow the 7 year statue not be recognized and the negative account removed the charge off ). Along with XXXX as well, thereby keeping my score, overall low. For what ever reason my account has been in this state, and even when I call to verify I do not get anything corrected. I now am an authorized user to someone else credit card and in good standing and given another credit card with no balance with a different credit card number, yet they are putting the authorized primary account holder information on my credit, but instead of it boosting my credit score, which it should, they are NOT allowing it to do so?
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-11-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX problems with the closing for our house on XX/XX/2021 ( XXXX weeks ago ) : 1. Our bank, Bank of America, still collected the payment for XXXX and has not sent us the money ( {$2000.00} ) 2. They also have not sent us our escrow monies ( {$5900.00} ) I called the bank 3 times, immediately after they took an extra mortgage payment and XXXX times over the next few weeks ( XX/XX/XXXX and XX/XX/XXXX ). The last time I spoke with XXXX on XX/XX/XXXX at XXXX. Each time they assured me that the mortgage payment was collected in error and that the money would be sent to me within a week. They also said they would send it express mail. 

It has been XXXX  days ( XXXX weeks ) and we still do not have our money. What if we depended on that money ( especially the extra mortgage draw? ) to pay rent or eat? This is unethical and unacceptable! 

Please advise how we can get our money.
Consumer complaint received 2021-01-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have sent several disputes to each one of the credit bureaus : Transunion, XXXX, and XXXX. They have yet to respond or provide me with any results!! I have been sending letters since XXXX XXXX XXXX and haven't received a single letter or notice. I do understand that there is a pandemic going on but they are still lawfully supposed to respond to me. They are reporting errors on my credit file and need to respond immediately.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX is reporting inaccurate information on my credit report the dates that show late payments are incorrect. I called XXXX XXXX and spoke to a XXXX to have any late fees removed from my credit report because I experienced financial hardship due to Covid-19. XXXX said XXXX XXXX requires documentation of hardship from employer. I explained to her it is a violation of my rights to privacy. Law 15 US Code 1681 states such violation and right to privacy. Furthermore because I let the employee XXXX know my financial hardship is due to Covid-19 she should have been helpful with processing my hardship instead she said she cant help when I asked to speak with her boss she said she is the highest one in her position.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TX)

Mortgage Servicer : BSI Financial Issue # 1 : ======= In XX/XX/2021, I placed a request to cancel automatic monthly ACH withdrawals from my First Texas Bank account. The reason for this was a pending recast. Payment for XXXX was ultimately submitted on time on XX/XX/XXXX with the new amount. 

On XX/XX/XXXX, I reinstated auto-pay for XX/XX/XXXX with the new amount. 

On XX/XX/XXXX, I made the discovery that the servicer twice charged my account : once on Monday, XXXX XXXX and once on XX/XX/XXXX. I contacted the servicer to address this issue. From what the servicer advised me, the XXXX request for cancellation was temporary for XXXX month only, which is not what I was told in XXXX. I requested a refund and was denied. I was advised to contact the bank to stop the ACH withdrawal. When asked who will cover the bank charges for stopping the ACH withdrawal, they were not ready to make a commitment. 

Issue # 2 : ======= On XX/XX/XXXX, I submitted a request in writing to remove PMI insurance on the grounds that the Loan-to-Value ratio was below the required 80 % due to a recent contribution to the principle. On XX/XX/XXXX, the servicer helped themselves again to the instalment and when asked for a justification - there was none. 

I believe this servicer should be thoroughly investigated as it is not only myself that has similar problems. They had no authority to double dip into my account and when challenged, they could not take responsibility for their actions. When trying to resolve issues with a person who has authority to make a decisions, they are either in meetings, don't answer phone calls or communicate - leaving communication to the front line workers who are just unfortunate message carriers.
Consumer complaint received 2022-08-20
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. (IL)

This is XXXX XXXX submitting this XXXX complaint to you today to inform you as well as the Credit reporting Agencies that I have been a victim of Identity theft. This complaint is my 3rd Complaint informing the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agrncies are required to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. with the provisions of the FCRA section 605b, I am requesting that you remove the following accounts completely from 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 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