davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
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: Carter-Young, Inc. (GA)

This is probably my 4th complaint with these two companies. Im truly sorry for constantly messaging you all but how can we let this be? 

XXXX, XXXX, XXXX, XXXX and XX/XX/2020 Carter-Young INC stated that I had a balance of {$3600.00} XXXX  XXXX XXXX stated they had a charge-off of {$470.00} For 4 months straight I have been disputing with The 3 Major Credit Bureaus along with the companies ( Alleged creditors ) directory to get them to prove to me that the information that they are reporting is accurate. 

Each time I would dispute the validation of debt or verifying of debt ( two different things ) they would always come back with some paper saying its mine and they would like to settle. I would dispute it again and again and again yet they refuse to send me any form of proof. I have read receipts as to when they received the items as well because I was instructed by my attorney to have everything I sent them certified mail. 


They according to the united states supreme court and thousand more cases have not done so. Not only have these companies not done so They have yet to provide documentation stating I have a obligation to pay them along with anything baring my signature as required by law. They would send me a copy of an itemized bill in a letter without any signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Its like everyone out there is sleep on the law. Why do we let them get away with this?? 

I was very specific as to what law and section during my challenge process. 
Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) ( This is the LAW ) Their actions are none other than 1 ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They sent updated response to the bureaus that the items meet the FCRA requirements without proof. How could this be when I am very specific about the law. 

The companies XXXX  XXXX XXXX and Carter-Young These accounts are FRUAD Obviously and I am begging one last time before I ignite the lawsuit against them along with the credit bureaus. 

XXXX  XXXX XXXX is still trying to collect on a debt they sold! Why is this? It isn't mine. Is that even legal?
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Date : XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU Re : Macys billing practice/ Impact on Consumer Credit Report I recently learned of negative information on my XXXX XXXX XXXX XXXX and XXXX XXXX reports that reflected delinquent payments on a closed Macys credit card account : specifically 30 days past due in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is my conclusion that a sum of $ XXXX was added to my Macys Credit Card Account as junk fees in XXXX. I am requesting that Macys correct this information to reflect no delinquency for these months. This has impacted my credit and my financial good standing. Please read the summary of events below. 

On XX/XX/XXXX, I paid off the balance of Macys Credit Card Account in the amount of {$200.00}. At the time, I was overpaying my account to ensure that I was paying off the bill in its entirety. 

In XX/XX/XXXX, I received a Macys credit card bill in the amount of $ XXXX. I had not purchased any merchandise with this credit card and could not understand where these charges originated. 

I called Macys Billing Department ( XXXX ) on XX/XX/XXXX. I spoke with a a Macy 's supervisor. During this call, it was my understanding the issue was resolved and my records would reflect that I had paid the balance in full. 

I later learned on XX/XX/XXXX that the account still reflected a balance due. I spoke with CSR, XXXX. XXXX indicated that the judgment was initially declined By judgment I assume he was referring to my prior contact with Macy 's on XX/XX/XXXX. I do not have names of the Macy 's reps that I spoke with in XX/XX/XXXX because I believed Macys was acting in good faith and that the issue was resolved. At no time was I ever called, emailed, text, or mailed any correspondence that said otherwise On XX/XX/XXXX, I also spoke with XXXX XXXX ( XXXX ). According to XXXX, she would insure that the account corrected and any fees would be waived. This was confirmed by CSR XXXX XXXX. 

After learning about my credit report on XX/XX/XXXX, I again contacted Macy 's Consumer Credit Specialist Department. I spoke with Manager, XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX. Unfortunately, neither XXXX representatives was able to give me any helpful information. XXXX ordered copies of my XXXX and XXXX statements and I must wait 7-14 days to receive this information. This is not an acceptable resolution. 

I am very disturbed about how this has impacted my credit and my financial standing! I would like this issue investigated for how these fees were generated. I would also like the negative information on all 3 credit reporting agencies removed. Thanking you in advance for your assistance with this matter. 

Thank you, XXXX XXXX
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TRANSUNION IS NOT UPDATING MY CREDIT CARD BALANCE AND HAS REPORTED THAT I HAVE A BALANCE OF {$350.00} AND THAT MY CURRENTLY USE OF 71 % THIS IS INCORRECT MY BALANCE OF THIS CREDIT CARD IS {$18.00} AND MY USE IS UNDER 10 % I HAVE ENCLOSED A SCREENSHOT OF MY ACCOUNT ANDA SCREENSHOT OF WHAT IS REPORTED Fair Credit Reporting Act Violations There are several common violations of the Fair Credit Reporting Act, involving both the thousands of companies reporting information and the three major bureaus taking the information and assigning it to your credit report. 
Some of the common violations include : When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? 
* Inaccurate statement of balance due. 
TRANSUNION IS IN VIOLATION OF FCRA LAW
Consumer complaint received 2020-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My husband and I purchased our current home on XX/XX/XXXX. We used XXXX as our loan servicer. Our mortgage was sold to NewRez/Shellpoint in XXXX according to a letter we received from XXXX XXXX. Eleven months later, someone from NewRez/Shellpoint manually reversed my XX/XX/XXXX mortgage payment. In early XXXX, I received a phone call from a collector from Shellpoint asking when I will be making the XXXX payment. I explained to the collector that I had never missed a payment. After going back and forth with them for months, I was able to speak to a Shellpoint representative who stated that my XXXX payment was refunded to XXXX. She also stated XXXX had requested the refund. 

I recently received an email from XXXX stating they have never received any funds from NewRez/Shellpoint. Meanwhile, after several attempts to resolve this issue with the lender, they have reported us 30 days late from XXXX to XXXX of this year. This has impacted our credit scores as well as our ability to refinance this home. We would like to file a claim against NewRez/Shellpoint for the following reasons : Reporting us 30 days late for the past six months, when we were never 30 days late. 
Failure to notify my husband and me of their intent to report us late to the credit bureaus Failure to notify my husband and me that they were, allegedly, refunding the funds to XXXX. 
Failure to notify us of any intent to filling a claim to our mortgage insurance. 
Falsely stating that the funds were refunded to XXXX, the prior servicer. 
We also would like to know what they did with our XXXX payment since XXXX stated they never received any funds from NewRez/Shellpoing. 
I have attached all the supporting documents.
Consumer complaint received 2022-06-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO Bank, N.A. (AZ)

I paid off a vehicle loan with BMO Harris on XX/XX/XXXX. 

BMO Harris subsequently took my normal loan payment amount of {$230.00} out of my account on XX/XX/XXXX. 

I reviewed my BMO Harris online portal and confirmed there was no option to cancel payments ( as the loan was paid off the account was closed ). 

I subsequently sent BMO Harris a message using their online portal informing them of the issue and requesting a refund of the illegal withdrawal. 

BMO Harris responded saying they would refund the money and account the closed. 

On XX/XX/XXXX I received an automated email from BMO Harris stating they would withdraw funds for my payment in 3 business days. I immediately called BMO Harris and spoke to a woman on the phone. She said the account was closed and automatic payments were canceled. However, she would mail me a form to sign and complete to ensure fund weren't withdrawn. 

ON XX/XX/XXXX BMO Harris withdrew another {$230.00} from my account.
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

PHH Mortgage claims to be the current holder of the first mortgage that is on my property, with a company known as XXXX. PHH Mortgage offered a loan modification program that includes " forced placed insurance '' and property taxes. The issue is I have had insurance the entire time I've owned the property and have supplied both PHH Mortgage and their attorney, XXXX XXXX, a copy of the insurance that is more coverage than their costly " force placed '' version of insurance. They refuse to remove it from the payment amount, instead claiming they would " deny '' another modification and would " review it '' at the end of the trial period. 

The next issue, I am an XXXX XXXX and have an active property tax exemption. PHH Mortgage is literally requiring payment for something I have went to court about and dealt directly with the treasurers office. There is no " escrow '' for taxes I do not even have to pay.
Consumer complaint received 2021-06-02
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: CITIZENS FINANCIAL GROUP, INC. (NY)

these accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. 
Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CITIZNSONE Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/CITIZENS Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-01-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (OH)

I was paying my loans monthly for 2 years on time never late. Was paying XXXX a month on XXXX loans .Was taken off off payment plan that I was on and never advised until sallie mae began taking double the amount from my checking account for my monthly payments. I contacted them and was advised that that program ended. When I told them I could not afford the XXXX + a month they advised me to let the loans go delinquent then contact them to be set up on a new program, but because at that time my loans were current I did not qualify for anything. So now my credit score has dropped because they have reported this to credit bureaus.when I called in to get set up on a payment plan they said all I was eligible for was interest rate reduction to 4 %, which would make payment XXXX.Previous plan i was on was 2 % and they said they no longer offer this. I told them I can not afford this I have a family of XXXX .my wife is unemployed. I am the only income. I have a XXXX XXXX XXXX and XXXX XXXX XXXX.i work in the aviation industry as a XXXX XXXX for a commercial airline. It is no secret how the airlines have been affected with pandemic. My hours and pay have been cut in half and now on reserve and my seniority in the company affected due to furloughs and base closures. I continued to make the XXXX payments when COVID hit because I did not want to ask for help and we had a little money put back and we were making it work. Who knew the pandemic would still be affecting everyone. I am not asking for them to stop payments, I am asking them to work with me on payments I can afford. Its not like we are under normal circumstances today and I know they have the ability to help. I am requesting communication with a payment plan I can work with and any negative reporting on credit report fixed since they are the ones who advised me that my loans had to be delinquent before they could help me, even though I spoke with them before they went delinquent to try and get a new payment plan. I feel this is not my fault.
Consumer complaint received 2024-11-06
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX. Account # : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY (MN)

On or around XX/XX/2020 I started a loan refinance application with XXXX Mortgage XXXX XXXX XXXX Interfirst Mortgage Company. While still in the application process, on XX/XX/2020, Interfirst Mortgage Company contacted my Home Insurance company, XXXX, and changed my account Mortgagee from my actual current loan lender to Interfirst Mortgage Company. 
At no time in those twelve days were we anywhere close to closing our refinance or even finishing the application process. By doing this Interfirst Mortgage Company created a risk of having my Home Insurance expire and being in violation of the terms of my open loan with my actual current lender as the bill for my XX/XX/2020 renewal would have been sent to the wrong lender.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (CO)

On XX/XX/2021 I received a money order from one of my tenants for {$960.00} which I deposited in my bank account. On XXXX XXXX my bank said there was a stop payments on the money order. I called Western Union and they said you can only stop payment on a money order with a written notice mailed to Western Union. You can not do it by phone.

I would like you to check with Western Union to see what you can find out about this money order. I don't see how anything could have been done by mail within 2 days.

Western Union tells me it could take up to 15 days,, XXXX
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attempted for almost a year to contact XXXX  with no success. The one time I did get in contact with a live representative they lied and said that I didnt submit a police report. I did multiple times. My identity was stolen and now irreparable injury has occurred due to the neglect by XXXX  to remove the fraudulent accounts from my credit profile. This is my final attempt and notice that I will file a federal lawsuit against them if they will not comply with the laws that govern them.
Consumer complaint received 2020-11-27
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. (IL)

I have submitted numerous disputes with all three major credit reporting agency about XXXX XXXX XXXX. Back in XX/XX/2019, I lost my card and reported it. So instead of XXXX XXXX XXXX  just giving me a new card and combining the data on the credit reports. They choose to enter the information as if this new card was a new account and that account had late payments when in fact there were never late payments on that card or for the dates stated. In addition, the account was close by me shortly after.
Consumer complaint received 2022-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (FL)

I was hoping to receive some assistance in regards to an online credit card application completed in XX/XX/2022 for the Synchrony XXXX XXXX  through Conn 's XXXXXXXX XXXX. The online prequalification link advised of my approval for a card with a {$3000.00} credit line. upon submitting, I called the appropriate number with the reference number. Please see attached letter showing the system denied due to a " previous application approved ''. I did apply for the same card in XX/XX/2022 and closed it voluntarily during the same month due to the fact that I did not need it for the purchase. Can you please look into the system glitch and have the card processed?
Consumer complaint received 2020-12-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I have pointed out and showed proof of this inaccurate information and there is nothing being done. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the XXXX data breach which has also have me worried and stressed out that someone has had access to my personal information.
Consumer complaint received 2024-11-06
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)

As per guidance from the Consumer Financial Protection bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following information : XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX XXXX open XXXX XXXX, XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX opened XXXX XXXX
Consumer complaint received 2020-10-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Over the last year, I have paid my debts on time and off. Last month, I inquired for a mortgage and my Equifax report was XXXX. Since that report, I have paid off a huge collection. After paying the collection, Equifax took my score down to XXXX. I have called them twice to find out why they punished me for paying my debt but they say that my score is based on other issues. No other issue have occurred on my report other than I have paid the collection and an auto loan that has been paid in full and is not showing paid on any bureau reports. I do not understand how I am being punished with a lower credit score after paying the debt opposed to my score increasing as other reporting bureaus have done. Please help as I am currently homeless and at this rate and the credit score game, I will never be able to afford or qualify for a home. Thank you.