davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (KS)

The company LVNV Funding LLC refuses to provide the following information : 1. The proof that the contract does not pass the statute of limitations contract law california ( California is 4 years ) 2. The full contract with my signature that I am doing any business with LVNV 3. Provide me with ALL ORIGINAL DOCUMENTS, that show the proof of the balance, interest rate, DISCLOSURE FORMS, and my original signature on the contract. ( DO NOT SEND ME A VERIFY STATEMENT ). Anyone can make up a verified statement.

4. Did a lawyer review this collection account, you claim I owed? If yes, provide the document the lawyer signed.

5. The original documents LVNV Funding LLC has the right to obtain my information This is clear and precise for ALL the documents I am requesting. There has been a misunderstanding or comprehension problem on your side about my request. I hope this clarifies what I need from LVNV Funding LLC.
Consumer complaint received 2023-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America sent an escrow overpayment of {$3000.00} to XXXX XXXX on XX/XX/2019. The payment was not applied to my account with XXXX XXXX, instead it was applied to an incorrect account. I have contacted Bank of America multiple times since XX/XX/2019 to retrieve my money back from XXXX XXXX, but Bank of America has failed to do it. 

Bank of America claims XXXX XXXX is telling it no overpayment is due on this account, but when I go to XXXX XXXX, the city is telling me Bank of America 's money was applied to the wrong property 's account. XXXX XXXX refused to share information with me, advising me to go back to Bank of America and file a claim for overpayment to retrieve the money. However, Bank of America claims they have made many attempts and XXXX XXXX is telling them there is no overpayment. I am out of {$3000.00}. Bank of America keeps referring me to XXXX XXXX, and the city is referring me back to the bank, stating that it is not my account so it can not provide documentation to me since XX/XX/2019. 

There were no overdue bills with the XXXX XXXX XXXXXXXX that required Bank of America to send a payment on my escrow account. 

Please assist me in retrieving my money from the XXXX XXXX XXXXXXXX through Bank of America. 

The relevant mortgage account number is : XXXX The relevant property address is : XXXX XXXX XXXX, XXXX, MD, XXXX My XXXX XXXX customer account number is : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (VA)

I took out student loans in XX/XX/XXXX. Nelnet serviced these loans. 

In XX/XX/XXXX, Nelnet declined to continue servicing Department of Education loans. Nelnet therefore closed my accounts and transferred my balance to XXXX, the Department of Education 's new loan servicer. 

I paid off XXXX in full in XX/XX/XXXX. XXXX accurately reports that I have {$0.00} balance with XXXX. However, XXXX inaccurately reports that I have a XXXX XXXXXXXX balance with Nelnet. This is false ; as stated, Nelnet closed my account and transferred my balance ( see page XXXX of the attached XXXX XX/XX/XXXX loan letter from Nelnet proving I have {$0.00} balance ).
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I took out student loans in XX/XX/XXXX. XXXX serviced these loans. 

In XX/XX/XXXX, XXXX declined to continue servicing Department of Education loans. XXXX therefore closed my accounts and transferred my balance to XXXX, the Department of Education 's new loan servicer. 

I paid off XXXX in full in XX/XX/XXXX. Experian accurately reports that I have {$0.00} balance with XXXX. However, Experian inaccurately reports that I have a $ XXXX balance with XXXX. This is false ; as stated, XXXX closed my account and transferred my balance ( see page 2 of the attached XXXX XX/XX/XXXX loan letter from XXXX proving I have {$0.00} balance ).
Consumer complaint received 2023-10-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (MI)

Loan care offered me a modification during the XXXX pandemic and they told me that they would add the payments to the end. They told me that it wouldn't effect my payment history or to cause me to lose my home. They assured me that it wouldn't hurt my credit or cause any other issues that wouldn't prevent me to buy another house in the future. Then I decided to sell my home which I ultimately did and wanted to buy another home. During the process of buying a home, I find out that they have reported my loan late several times which hurt my credit and chances of buying a home. I sold my home in XXXX of XXXX and had to rent because my credit was effected. I called and the person told me that it was an error and it would be corrected. I decided to rent and then try again which I did about a month ago. Surprise to me was that they didn't correct the report and my credit was still bad due to their error. I've called multiple times over the years and their service is inconsistent and appears to be unorganized. I've spoke to other people who have experienced the same situation with Loancare. Their carelessness has caused my credit to stop me from buying a home or having to settle for worse than normal loan terms. Please help because I can't be the only one who has had issues with Loancare. Thanks,
Consumer complaint received 2023-10-21
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. (MI)

Hello ; to whom it may concern, I recently sent out letters to the three major credit bureaus asking them to investigate my credit report to ensure everything is accurate and verified. I even went a step above and circled everything that was inaccurate on my credit reports before sending them out. After getting a reply from the bureaus saying that everything is accurate, verified and or updated, I noticed that there are still inaccuracies within my reports. I am a soon to be father looking to buy a home for my family and I absolutely need to have accurate credit reports to ensure my success in doing so. Also, all of my documents will be mailed out from the investigation. 


In accordance with the fair credit reporting act or the FCRA, the accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. It also states that the banking system ( credit bureaus ) is dependent upon fair and accurate credit reporting.

15 U.S.C 1681 section 604 A section 2 ; states a consumer reporting agency cant furnish an account without my written consent.
Consumer complaint received 2023-10-21
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. (GA)

I HAVE SENT EXPERIAN A POLICE REPORT AND FTC REPORT AND THEY CONTINUE TO REPORT THE XXXX CHARGE OFF ON MY REPORT THIS HAS BEEN AN ONGOING PROBLEM SINCE 2022. THIS HAS BEEN A HINDER IN MY LIFE AND HAS CALLED A GREAT DEAL OF STRESS ON ME WITH TRYING TO BUY A HOME AND FINDING EMPLOYMENT. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I recently obtained copies of my consumer reports from the credit reporting agencies ( Experian, XXXX XXXX, and XXXX ) to discover that your company 's information continues to be reported in a manner that violates the Fair Credit Reporting Act ( FCRA ). As previously communicated in past notices, I have raised concerns about one or more potential violations in the past, emphasizing the importance of complying with consumer rights and FCRA regulations. Specifically, I am referring to the closed accounts associated with the following : XXXX. XXXX XXXX Credit Card Account # XXXX XXXX. ) XXXX. XXXX XXXX XXXX XXXX XXXX : LOAN # XXXX, ACCOUNT # XXXX. 

Upon reviewing my credit reports, I have noticed that XXXX XXXX XXXX is reporting my experiences with your company in a manner that raises significant concerns about potential violations of the Fair Credit Reporting Act ( FCRA ). The specific matter of concern pertains to the categorization of my line of credit with your company as " utilization '' and the categorization of my payment history / status with your company as transactions, on my consumer reports. It is my firm belief, supported by the relevant legal provisions, that your company is unlawfully reporting this information on my consumer reports. I would like to draw your attention to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), which states : " 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The law is unequivocal in its statement that information pertaining to transactions or experiences between the consumer ( myself ) and the person ( XXXX XXXX XXXX ), making the report, should not be included on consumer credit reports. Utilization is inherently an experience with the line of credit extended between the consumer ( myself ) and your company,, which qualifies it as an experience that should not be reported on my consumer credit reports. Payment history or status is inherently transactions, between the consumer ( myself ) and the person ( XXXX XXXX XXXX  ) which qualifies it as information that should not be reported on my consumer credit reports! By reporting this transaction on all of my consumer reports, XXXX XXXX XXXX appears to be in clear violation of the FCRA ( 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ).
Consumer complaint received 2023-10-21
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)

I've sent letters to all 3 of the credit bureaus as well as the companies individually regarding inaccuracy reporting on my credit report of Inquiries I did not authorize and in accordance FCRA I'd like the inquires to be removed immediately. The list of inquires amongst the 3 bureaus as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-21
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. (AL)

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

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I tried multiple times to set up payment, set up monthly payments multiple times, over the phone and online payments were not going through and after multiple attempts to pay monthly they said I missed to many payments and put a hit on my credit score that lowered it by over XXXX points. I then was forced to pay off the balance in full or risk a harder hit on my credit score. I then disputed with Experian which boosted my score back up by XXXX points but I believe this should be removed from my record completely and that my score should go back to what it was before the hit.
Consumer complaint received 2023-10-21
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. (PA)

XX/XX/23 Opened XXXX XXXX XXXX at a store location through customer service. 

I never received the credit card or credit card statements. 

XX/XX/23 I contacted XXXX XXXX card services to report that my credit card was never received. Customer services representative updated my address on my profile. The address on file was incorrect, so the credit card and statements were going to the wrong address. Customer service stated that my account was more than 30 days past due. I immediately paid the account and requested that the late payments and late payment reporting be removed from my account and credit report. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 XXXXXXXX XXXX XXXX XXXX XXXX XXXX sent a letter stating that all reference to late payments have been removed and removal has been reported to XXXX, XXXX, XXXX and TransUnion. 

XX/XX/23 Contacted XXXX XXXX XXXX XXXX after contacting all XXXX credit bureaus because the late payment reference had not been removed from my credit report. Customer service representative stated that they would send the information to remove late payment reference. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 Contacted XXXX XXXX XXXX XXXX again because because late payment reference still not removed. Customer service representative stated they would review my account again. I requested the employee 's ID number. Employee refused to give me any confirmation number of action or their employee ID number. Requested to speak to a supervisor, who also just stated that they would review my account. Supervisor refused to give me their ID number. Supervisor would also not transfer me to a higher level supervisor. The supervisor, XXXX, stated that she would sent the request to all credit bureaus to remove the late payment charge. She would not confirm that I would receive a response from XXXX stating that such action was taken, nor would she provide me a confirmation number or anyway to follow up on this outcome.
Consumer complaint received 2024-11-01
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-21
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. (GA)

After receiving a copy of my credit report, I discovered several inaccurate accounts that werent mine. On XX/XX/2023 I sent in a dispute letter to TransUnion asking them to investigate these accounts and send me verifiable proof of the accounts listed on my credit report that do not belong to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. After 30 days of not getting a response, I mailed another certified letter to them trying to get help because those accounts do not belong to me. I also filed a complaint with CFPB, hoping that this would help me resolve my problem. After filing the complaint, I received a response that TransUnion was still working on my problem. I believed that the investigation had started and that I would receive a response back soon regarding these accounts. On XX/XX/2023, I received a letter from TransUnion stating that they were unable to process my request because they were unable to determine the nature of my request. The letter stated that in order for them to investigate the information in the credit report, they needed me to mail them a letter with the account name and number, and specify why I was disputing it ( for example, this is not my account ). I have mailed in letters twice with this information included. These false accounts on my credit report has caused me great harm. I have been denied credit opportunities, faced higher interest rates, and encountered difficulties in securing housing and employment. These issues are not only damaging my financial well-being but also causing immense emotional distress. I urge you to understand the gravity of this situation and take immediate action in accordance with the FCRA. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that inaccurate information must be corrected or deleted promptly. If TransUnion can not verify the legitimacy of these accounts, they must be removed from my credit report without delay. I kindly request that you investigate this matter thoroughly and take appropriate action against TransUnion, ensuring the accuracy and integrity of my credit report.
Consumer complaint received 2023-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (TX)

I was notified in XXXX XXXX that repayments would be restarting even though I had been in graduate school since XX/XX/XXXX which I had previously submitted by loan deferment request. I was previously with XXXX but after the switch to Mohela, apparently all the information was lost. As a result, I am being charged for loan payments and interest on my subsidized loans even though I should be in deferment and the interest on my subsidized loans should be paid. 

I submitted a new loan deferment request in XX/XX/XXXX but apparently the request has not been processed yet ( expected to take 90 business days to process! ). As a result, I have been charged interest and repayment amounts that I should not be charged for.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.