davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (FL)

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 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$560.00} ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with SELF FINANCIAL/LEAD BANK was never late! I have had exceptional payment history witH XXXX  XXXX 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 XXXX 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.

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

In XX/XX/2020, I lost my job. I contacted Fifth Third Bank, who my mortgage is through, in order to request Mortgage Assistance. I was informed to complete an application and email it to their email at XXXX. I did this, with supporting documentation showing my lack of work. I was put into forbearance in XX/XX/2020 due to COVID. This was for 6 months. I was not given options on other ways to resolve my conflict with my payments. Fifth Third is now stating that they never received my application, despite that their website states you have to apply for forbearance. They are also stating that I do not qualify for loan deferral to add what I am behind on in payments due to being delinquent prior to COVID. However, I requested mortgage assistance prior to COVID. Fifth Third is unwilling to help me through my financial hardship and is requesting I submit another application which takes 30 days minimum to process. That does not help me when my forbearance is coming to an end. The answers I am getting from one employee to the next keeps changing and I do not understand what I am being told and why I can not get a loan deferral. President Trump ordered that mortgage companies assist people through COVID and Fifth Third is doing the exact opposite. They are wanting me to pay money now that I can not pay due to my financial hardship. I went into the branch near my home on Friday, XX/XX/2020. The banker and I contacted Fifth Third via phone and spoke with an employee there who stated that no one had been denied for loan deferral up to this point and that I did not need to make XXXX 's payment and to begin making payments in XXXX. She stated that I would receive an agreement letter for my loan deferral and to make a payment, email, or call to confirm my agreement to the deferral. Why would a Fifth Third employee in the Hardship Department state that I was being processed for a Loan Deferral if the Loss Mitigation Department is stating I do not qualify? They had my account pulled up when we spoke on Friday XXXX. She was able to see the account details and even spoke with her supervisor to confirm the information she was providing to me. I am tired of being hung out to dry. I do not want to lose my home and have been trying to get through this financial hardship. My mortgage was sold to Fifth Third against my wishes and I have had problem after problem with them compared to my original mortgage provider. One employee will tell me they see notes in my account about my correspondence with their employees, then another employee will speak with me stating there are no notes in the system. Where are the notes going? Where is my application with confidential personal information of mine and my husband 's? Was their system hacked? Why is the information I am provided different from one employee to the next?
Consumer complaint received 2022-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NC)

On XX/XX/XXXX, I received a check for an Escrow Surplus. On XX/XX/XXXX, I realized I had not cashed the check, so I contacted Key Bank and spoke with XXXX. She informed me they were aware, and that they would issue a new check for the same amount. She mentioned I would receive the check within ten business days and that I should not cash the old check. For this reason, I wrote void on the check and kept it in my personal file. I never received the new check, so I call the bank back. On XX/XX/XXXX, I spoke with XXXX, where she apologized and told me they would issue the new check within five days. Once again, I did not receive the new check, so I called them back. On XX/XX/XXXX, I spoke with XXXX where she claimed they were aware of the situation and she requested I send a copy of the uncashed check to a person at the bank named XXXX at XXXX. During each conversation, they stated they would contact me if they wanted more information from me. Again, they did not send the check as they promised, nor did they contact me. After I complained to them about their poor service, XXXX called me on XX/XX/XXXX, to inform me they would XXXX  the new check to compensate for their poor service. Because no check arrived, I had to call the bank back to inquire further on XX/XX/XXXX. I spoke with XXXX who claimed that they tried to reach me via my email ; however, this was another lie. By this point, she referred me to XXXX, and told me I would probably have to call the Ohio Department of Commerce to request the money owed to me by Key Bank. She also mentioned that XXXX would call me back to see what could be done. After some time, XXXX called me and told me he did not know about the situation although he had the notes from the previous calls, and he stated he would get back with me after he investigated the matter. Time passed, and he finally returned my call. He informed me they could do nothing about the check and that I would have to contact the Ohio Department of Commerce to request my funds. When I called the Ohio Department of Commerce, they mentioned the bank did not send my check to them and that it would probably take time to research the matter. I feel the Bank has been giving me the run-around and intended for me to give up on the amount so they could keep the funds. If they are doing this with me, I feel this is a systemic problem.
Consumer complaint received 2020-10-06
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)

THE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPICATION ( INQUIRES ) IN MY NAME THEY MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-06
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. (MS)

According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, Experian and XXXX are in violation of my rights and is subjected to a law suit under these laws Furthermore, i have enclosed in my letter that there are unauthorized inquires that i do not recognize, and they are required ti provide proper verification under the FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one. 

Any one who pulls my credit without permissible use can be fined {$1000.00}
Consumer complaint received 2022-09-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (MI)

In reference to previous CFPB complaint ID # : XXXX Bridgecrest has violated my rights and failed to address these violations or lawfully remedy the issue to my satisfaction. 

Bridgecrest has illegally obtained my personal information and fraudulently used my social security number. I have never given Bridgecrest a SSA-89 form or given them permission to use my social security number. Bridgecrest is tampering with government property as my SSN was issued by the US Government. 

I filed an Identity Theft Report regarding Bridgecrest on XX/XX/22. 

I gave notice to Bridgecrest, which was received on XX/XX/22, that I would be rescinding from any fraudulent, implied contract that may have been made without my knowledge or permission in conjunction with the contract with XXXX. I also served a Revocation of Power of Attorney notice within the same certified mailing. My notices were ignored by Bridgecrest and returned to me on XX/XX/22. 
Bridgecrest received a Cease and Desist notice as well as a Validation of Debt notice on XX/XX/22, and returned them both to me. This alleged debt is disputed for fraud and Bridgecrest has not ceased to collect the debt. Bridgecrest refuses to provide any actual accounting or prove the alleged debt is valid and not fraud. 
Bridgecrest refuses to recognize my legal right to exercise the administrative process. 

I will be taking further legal action and forwarding my complaints with supporting documentation to the Attorney General.
Consumer complaint received 2022-09-20
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 — Investigation took more than 30 days
Company: Trust Financial LLC (CO)

In XX/XX/2022 I submitted a letter ( certified ) to Rocky Mountain Recovery asking for a validation of alleged debt, which they received ( I attached the certified tracking receipt ) They never responded. I submitted a follow up letter in XXXX, again they have not responded. The information they have reported that is unvalidated is damaging my credit report.
Consumer complaint received 2021-05-04
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. (NC)

This was already paid off as part of a debt settlement. They I sent them proof of payoff through a debt settlement and they said they would look into it and call me and never do. They just continue to keep harassing me over the bill that I already paid
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

Our Mortgage company Mr Cooper/Nationstar for the last couple years has over charged our escrow account only to refund money later in the year. I have requested for them to change the time frame in which they do their recalculations multip times ... currently they recalculate in the middle of the XXXX XXXX  and XXXX XXXX  tax payment and our XXXX Insurance payment ... which is the most opportune time for the bank to pad the escrow account. Recently I requested for our escrow account to be discontinued because of their inability to accommodate, service and provide clarity on our escrow account. They are now claiming that we do not qualify to remove our tax and insurance and escrow account because of a covid forbearance payment that was due in XXXX being made in XXXX. In XXXX we made the XXXX and XXXX Payment on time, and we were just trying to be cautious in-case something worse than Covid took place. We live in NJ and XXXX and XXXX were very difficult times. We have never been late on a Mortgage payment with Mr Cooper in the 5 years that we have the loan.
Consumer complaint received 2020-10-06
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. (AL)

STOP REPLYING WITH A TEMPLATED RESPONSE ABOUT BEING UNSURE OF MY IDENTITY. YOU ARE VIOLATING THE LAW. PAY ATTENTION TO MY REQUEST AND RESPOND ACCORDILING. THESE CFPB COMPLAINTS ARE ADMISSABLE IN COURT IF I DECIDE TO SUE YOUR COMPANY. 

ATTACHED ARE 2 FORMS OF ID. 

RE : Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 

Fraudulent Account : XXXX XXXX XXXX   XXXX Fraudulent Inquiry : XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

THIS IS NOT A REQUEST FOR A DISPUTE Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-05
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. (AL)

The XXXX  account on my fervor has nothing to do with me. I've never submitted or recieved anything from them. The address on file has never been associated with me. It is actually a business address. I tried to dispute this with experience twice but they keep kicking it back with no answer at all. This account is clearly fraud and experiencing will not do their due diligence.
Consumer complaint received 2020-10-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I disputed this account on XX/XX/2020 and it now XX/XX/2020. It was with XXXX XXXX and account number XXXX. It has been over 30 days since I disputed this last and they have fail to respond. I had also disputed this account numerous times for different reasons in XXXX, XXXX, and XXXX and both Experian and the creditor failed to put the notice of dispute within 30 days from the first dispute which is a violation under the FCRA 623 and FDCPA 806 ( b ). It's abundantly clear that the information was not entered and  therefore, the account can not report on my credit report.
Consumer complaint received 2020-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I got a notice that from a credit bureau on XX/XX/2020 that my student loans were in a state of deferment. I called Navient on XX/XX/2020 and found out that they automatically put both my subsidized and unsubsidized loans in a state of deferment without my consent. The customer service rep tried to tell me I was " saving money ''. I asked why they didn't ask me, and she said it is automatic, and I would get a letter soon to say they did it. 

This action could have cost me increased interest and lengthened the loan I have without my consent. While they did
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had made a transfer from my business to my personal BOA account ending XXXX which would cover my mortgage, however what I wasnt aware was that this transaction did not go through. 
Thus my BOA account went into overdraft when mortgage auto payment hit and then my credit card automatically covered the account on his checking account overdraft. 
I didnt realize that and that increased my minimum payment that month. I have had Bank of America set to take out a minimum payment, it normally takes out {$100.00}, however the auto withdrawal amount did not auto adjust when the minimum payment became higher after that. 
Additionally, I was also out of the country visiting XXXX at the time, so I had to be quarantined for some time while there and I was not able to find out about this issue until much later. 
I have multiple accounts with Bank of America and have a decades old relationship, Im requesting that this late payment be removed, given the fact that I was overseas and the fact that BOAs system did not adjust to the minimum payment, which was beyond my control at the time. 

Thank you!
Consumer complaint received 2023-01-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the 7th notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS 7TH NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS CREDIT BUREAU CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS CREDIT BUREAU IS NOT HONORING MY RIGHTS AS A CONSUMER.