davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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

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

I demand the late payment reported in MONTHS REPORTING 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 21 days before the payment due date.

This company 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 2021-12-08
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. (CA)

Hello I sent a dispute for my closed XXXX XXXXXXXX XXXX account to all XXXX credit bureaus on XX/XX/XXXX and didnt get my dispute results until XX/XX/XXXX from XXXX and XX/XX/XXXX from transunion and XX/XX/XXXX from XXXX which is over the 30 days. All XXXX bureaus after reported it as a charge off on my account in XXXX wrongfully when the account was closed in XXXX and now it is affecting me even worse to XXXXe point where its harming my credit file and I cant obtain anything as I am trying to buy my first home.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received a letter in the mail saying my account was closed, but I have never opened an account with Bank of America. The account was opened on XX/XX/2023 where they proceeded to do 19 XXXX transfers amounting to {$560.00}. Most of the funds were withdrawn and it is left with {$29.00}. I have contacted Bank of America to report this to the fraud department and declined to provide further identification as I do not feel comfortable with my valuable information. They have the incorrect email on file despite countless corrections. I called today XX/XX/2023 to inquire about the status and my claim has not been processed yet.
Consumer complaint received 2022-08-22
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. (CA)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1900.00} and XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
Consumer complaint received 2022-08-22
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. (CA)

This is XXXX XXXX and I am submitting this CFPB complaint addressed to the Credit Reporting Agencies to request that the Following Dispute inquiries were resulted due to identity theft. I was a victim of identity theft and that the disputed inquiries were never made by me neither anyone I authorized on my behalf. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following inquiries completey from my Credit Report as soon as possible. Also, the Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. I have read enough to understand my rights which is clearly being violated by the Credit Reporting agencies. Once again, I need the following inquiries to be removed completely from my Credit Report : XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX To Whom This May Concern, Hope your day is well. I am requesting all my mortgage documents from my previous mortgage company " XXXX XXXX XXXX XXXX '' and the assigned mortgage company " Wells Fargo ''. 

Thank You in Advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX. MORTGAGE : Amount : {$50000.00} Mortgagor : XXXX XXXX XXXX : MERS as nominee for XXXX XXXX XXXX XXXX. 
Dated : XX/XX/XXXX Recorded : XX/XX/XXXX in Document # XXXX XXXX. MORTGAGE : Amount : {$76000.00} Mortgagor : XXXX XXXX XXXX : MERS as nominee for XXXX XXXX XXXX XXXX. 
Dated : XX/XX/XXXX Recorded : XX/XX/XXXX in Document # XXXX Said mortgage was assigned to Wells Fargo Bank, N.A. as Trustee for the Certificateholders of the MLMI Trust, Mortgage Loan Asset-Backed Certificates, Series 2006-HE1, recorded XX/XX/XXXX, in Document # XXXX
Consumer complaint received 2022-07-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Act # 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 2022-06-27
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. (CA)

In accordance with the Fair Credit Reporting Act 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2022-01-18
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. (NC)

On the week of XXXX, I noticed that my overall credit usage was incorrect through Experian and called multiple times to have this addressed. My last interaction was on XXXX, when I spoke to a manager who saw the error and assured me that an escalation was in place. I have not heard anything from Experian, nor has my credit report been updated. I currently have a credit limit with 3 credit cards of {$7300.00} of which I have spent only {$3300.00}. They have my credit usage at 96 % stating that I have used {$6900.00} of my credit which is highly inaccurate, even by their records. What they have done, is they have used a balance from a closed account and added that to my overall usage, which I stated to them, and which the manager agreed. This is directly impacting my credit score and needs to be addressed. This account does not show up on any other credit report, nor does it show up on my Wife 's credit report and she is also on that closed account. This is an obvious error which they have refused to address and have only provided generic answers to the issues at hand.
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (SC)

because of covid I fell behind in my mortgage payments in XX/XX/2020. I started to work with my mortgage company on a plan to help. finally in XXXX they gave me a forbearance but for only a month. I sent them a payment and it was returned to me. I find out that they had sold my mortgage to s & n servicing and it had to start whole process over. right around this time I went to doctor for checkup and her saw a strange XXXX on my XXXX. it turned out to be XXXX and it had XXXX  XXXX to remove it and then XXXX to be sure. this fall effected my work once again. I have been sending info fir months to s & n and they finally sent me a proposal at beginning if XXXX XXXX there offer is to increase my payment from {$1000.00} to {$1700.00} and increase my interest rate from 3 to 4.5 even though interest rates are at and all time low. I fell like they are talking advantage of me because I dont have a middle man negotiating for me. this payment would take up more than half of my income. what can I do?
Consumer complaint received 2022-08-22
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. (CA)

It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it is fraudulent & was opened without my consent or knowledge XXXX  XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-06-28
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)

Those Accounts Arent Mine, i Never authorized them to be opened. I am Victim of Id theft, people have used my information to open them and perform fraudulent activities. 
Accounts Affected by the Crime XXXX XXXX {$2500.00}. 
-XXXX XXXX XXXX  {$1100.00}. 
-XXXX XXXX XXXX {$1000.00} - XXXX XXXX {$930.00} -XXXX XXXX XXXX {$740.00} -XXXX XXXX XXXX XXXXXXXX {$570.00} XXXXXXXX XXXX XXXX  {$75.00}
Consumer complaint received 2022-08-22
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: Santander Consumer USA Holdings Inc. (CA)

It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it is fraudulent & was opened without my consent or knowledge SANTANDER CONSUMER USA XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am asking for your help to correct the inaccurate details reported on my credit report. This issue has severely damaged my reputation, and I need your intervention. Your mishandling of the report has left me in a precarious situation, and the misleading information has hurt my reputation. I urge you to remove these errors so I can rebuild my life with my family.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Advantage Credit, Inc. (WA)

Applied for a conventional loan on a new home purchase and when I was sent my credit report it was showing two different social security numbers attached to my credit report. One was correct and one was not mine. The bank is asking for an explanation. I am XXXX and have never seen this number appear is previous credit reports. How do i get the number removed from my credit report going forward.
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On or about XX/XX/2021 I deposited around {$620.00} at my Bank of America ( see address below ). The ATM accepted and showed the deposit amount onscreen. I deposited {$2300.00} after that, I did 2 deposits since I had a lot of cash. I looked at my statement online the next day to confirm both transactions and the {$2300.00} amount was present but the {$620.00} wasn't. I called and talked with an associate to open an investigation, the investigation results came back a few weeks later in favor of the bank, I spoke to banking manager XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX branch, she took my case with enthusiasm and I was hopeful and then in early XXXX that investigation came back with no evidence of my deposit. I am certain I made the deposit and unfortunately the same thing happened a month later in the amount of {$400.00} that was thankfully returned to me, but as for the {$620.00}, they said they checked the machine and the cameras and have no evidence to go by save for heresay, I failed to grab a receipt or take a picture, I didn't have the presence of mind that something like this could happen, but after several investigations they refused to give me back the {$620.00}. I have written to the CEO of BofA twice and each time XXXX from XXXX XXXX replies and leaves a number that which when I call, there is no such person at that number.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

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 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 remove these files. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2022-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (NY)

I would like to file a complaint of conduct for the debt collection agency, Ability Recovery Services, for their inability to follow legal requirements of providing a Debt Validation Note and/or effective communication through phone call or in person about the debt under the current FDCPA policies. 

According to current FDCPA regulations, debt collection agencies are required to provide possible consumers in it's first line of communication with the following information : 1. The amount of debt.

2. The name of the current Creditor to whom the debt is currently owed to.

3. A statement unless the consumer, within 30 days after receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

4. A statement that if the customer notifies the debt collector in writing within 30-day period that the debt, or any thereof is disputed, the debt collector will obtain verification of the debt or a copy of such judgment against the consumer and a copy of such verification or judgement be mailed to the consumer of the debt collector, and 5. A statement, upon the consumers written request within 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from current collector.

If the initial communication doesn't have this information the debt collector has 5 days to provide this information.

Under current provisions, this debt collector, Ability Recovery Services has failed to even provide any initial communication. I have no record of any phone calls, voicemails, in person notification, physical or digital mail for this agency about the debt that showcased on my Credit Report from the XXXX credit report agency. 

My first acknowledgement of this debt was through my credit report and my XXXX XXXX account under Derogatory marks. 

The total amount reported on my Credit Report for XXXX is {$1400.00}. The debt was reported on XX/XX/2022. 

According to current policies, they would need to have spoken to me in first initial contact, and then send a Debt Notice, and allow 14 business days after the notice is sent before reporting to any credit agency. I have no record of this.
Consumer complaint received 2022-08-22
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. (NY)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX  XXXX account # starting with XXXX XXXX XXXX account # starting with XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX  account # starting with XXXX XXXX account # starting with XXXX XXXX XXXX XXXX  XXXX account # starting with XXXX XXXX XXXX XXXX XXXX XXXX account # starting with XXXX XXXX account # starting with XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX account # starting with XXXX XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX account # starting with XXXX XXXX XXXX XXXX XXXXXXXX XXXX  account # starting with XXXX XXXX XXXX account # starting with XXXX XXXX  XXXX Bankruptcy Ref # XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions