davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have never had a credit card, checking account or any kind of account before and I am receiving numerous letters from various different places. I can not open any account of any kind or cash any checks or write any checks I can not even cash in money orders that I have the receipt for which is odd and outright insulting I can not believe that I out of millions of people am unable to do so I feel like something should be done about this I don't know how I am supposed to make a living while not being able to do anything that anyone else is able to do it is not right and it is not ok
Consumer complaint received 2021-08-10
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)

I am unaware of the listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2022-04-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I submitted a complaint to CFPB in XXXX of 2022 about Bank Of America reporting inaccurate information, Bank of America responded back with documents. Well upon looking at the documents, I see that Bank of America is in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Also they are in violation of 15 U.S. Code 1681a - Definitions ; rules of construction ( 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 ; I was not giving the option to opt out and I didn't give Bank of America permission to publish my information to the consumer reporting agencies. Also in the document that Bank of America provided, Bank of America stated that they are required by law to provide the following notification : We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. Notice Bank of America said, " may report, '' in case Bank of America is not aware what the definition of may means, it means expressing possibility or expressing permission. In other words, they are not required by law to do so. Once again I did not give Bank of America permission to publish this information nor was I giving the option to opt out. Also upon researching, creditors are not legally obliged to report AT ALL, to the consumer reporting agencies. It is a voluntary practice. So unless Bank of America can show what law requires them to report information, I demand this account be deleted from all 3 consumer reporting agencies.
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

Original Dispute Number : XXXX [ never Got worked ] New Dispute Number : XXXX I went on a Business trip to XXXX [ XXXX XXXX ] : XX/XX/XXXX thru XX/XX/XXXX I noticed a charge for {$4500.00} [ exactly XXXX Real ] after I came back from the trip I filed a dispute on citi.com from my credit card statement page. 
During my initial Dispute there were 10+ charges from the same merchant XXXX XXXX and I disputed them all. 
The City where the merchant is located and where the card was used physically is 8 Hrs away from where I stayed. 
I stayed in the XXXX XXXX area during the entire trip which is evident from all the other transaction. 
The amount that was charged is exactly XXXX XXXX XXXX. 
https : XXXXXXXX Details on how they commit this crime. 
I suspect this is what happened to me while I tried to use my Citi Card and eventually ended up using my debit card to get cash and pay for the restaurant bill. 
https : XXXXXXXX Above website explains in detail how the criminals clone a card and Use it, even if it is a chip enabled card. 

If as a layman, I can find these information and figure out how I got defrauded, I BELIVE that the SPECIALISTs can do a much better task. 

I tried to resolve the issue with citibank several times. without any luck. 
I got the old card canceled and got a new card. I am using the current one and pay off the amount that I spent during that billing cycle. 

Citi is holding on to the fraudulent charge and charging $ 100+ late charge every month.

That is hurting my Credit score. 

Please let me know if you need any further information.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

I am submitting this complaint on my own behalf. After reviewing my credit record, I noticed several late payments. I sent letters over 30 days ago but have not received a response, and they have not provided satisfactory validation. I would appreciate your assistance in resolving this issue. Thank you.
Consumer complaint received 2022-01-05
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. (TX)

I am filing this complaint because XXXX, XXXX and TRANSUNION have ignored my request to provide me with the documents that their companies have on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Consumer complaint received 2022-04-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (ID)

XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX. 
Company has refused to consider us as successors in interest, even tho we are now sole property owners. Former owner passed, by operation of law in XXXX his wife became owner, she quit-claimed to us a year ago. 
Freedom Mortgage Corp ( FMC ) has not complied with laws and regulations under CFPB and the 2016 RESPA rules. 
Ex8 ) CFPB 1024.38 re General servicing policies, procedures, and requirements SEE 1024.38 ( b ) ( 1 ) ( vi ) ( A ) upon receiving notice of death of a borroweror any transfer- promptlyfacilitate communication with -any successor in interest re said property Ex9 ) 12C.F.R ( Code of Federal Regulations ) 1024.31 Ex10 ) 81 Fed Reg 72,160 at 72,379-380 Ex9 12 C.F.R. 1024.31 Definitions.

For purposes of this subpart : Confirmed successor in interest means a successor in interest once a servicer has confirmed the successor in interest 's identity and ownership interest in a property that secures a mortgage loan subject to this subpart.

Ex10 CFPB ( Consumer Financial Protection Bureau ) 2016 modifications to Mortgage Servicing rules under RESPA : Subject to the foregoing, requesting a death certificate, executed will or court order might be reasonable. BUT-it would be unreasonable to request certain probate documents when the applicable law of the relevant jurisdiction does not require a probate proceeding to establish that the potential successor in interest has sole interest in the property 81 Fed Reg 72,160 at 72,379-380
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

In XX/XX/2021 I disputed these student loan account. They came back as I COSIGNED them. As a COSIGNER it means I signed a document. It means my SIGNATURE is on the original document. Unless they have proofs of my signature which is impossible since I never co-signed any student loan, I want these accounts to be removed from my credit report.
Consumer complaint received 2022-04-11
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. (GA)

Pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

There are inaccurate items on my credit report in the attached dispute. The consumer reporting agency violated federal law due to not deleting the inaccurate items in my attached dispute letter. The accounts below are inaccurately being reported on my credit report. Please reference the dispute letter. Dispute letter was also mailed to Experian on XX/XX/22 under USPS tracking # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} xxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX  with a balance of {$3000.00} XXXXXXXX XXXX with a balance of {$1100.00}
Consumer complaint received 2018-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (GA)

I have been complaining about this fraudulent account on my credit all of 2018. I have no knowledge of how my information was obtained in order to put it on my credit reports. I have never applied for services or lines of credit with this company. And never have I given anyone else perimission to do so nor co-signed.
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

The alleged mortgage servicer has contacted XXXX XXXX XXXX XXXX to initiate foreclose on my property. This concerns me because I 've never received any information in the mail that my note had been sold nor I have I seen a copy of my note bearing any signature that would support the claim that This XXXX XXXX XXXX XXXX XXXX represents. Trust name : XXXX MORTGAGE PASS-THROUGH TRUST XXXX MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX. 

The Trust claims it owns the note by way of transfer from XXXX, XXXX, Depositor XXXX XXXX LOANS, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SERVICING LP,
Consumer complaint received 2022-04-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (VA)

I have a mortgage with Midland Mortgage, they have provided some assistance when I was unable to pay due to COVID-19. Now I have become XXXX XXXX XXXXXXXX through the VA and requesting that my mortgage be reduced which I am entitled and it seems to be a bit more difficult. I have attempted to send the documents via fax and the initial fax number was not a good fax. Then I faxed them using a fax at the library this occurred in XX/XX/2022. I continued to follow up, also let me remind you that I also applied for a reduction in my mortgage due to my XXXX and my income being reduced so they had all of the paperwork the early part of XX/XX/2022. I sent them all of the documentation which shows that I'm XXXX XXXX  XXXX and most states have many benefits for Veterans one of the is not paying Real Estate Taxes. Yet, here we are and I'm still waiting for them to deduct them from my mortgage. I've been following up since them and I've been told if it doesn't have a numerical value it will delay the process. Which the document from the city states that I'm entitled to XXXX XXXX exemption. I'm fearful that this Mortgage company is going to start foreclosure process. I attempted to make a payment and had to use two methods of payment and it was refused. I've been struggling to pay many of my bills because I'm adjusting to getting paid once a month. It's unfair for them to say it will take 30 business days when Veterans should take preference in the process.
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

My mortgage included an escrow account is with CMC funding ( Specialized Loan Servicing LLC ). They are not professionally running the tax disbursement from my escrow account. I have to contact them multiple times for XXXX school tax. The statements showd double tax payment on XX/XX/XXXX for {$2100.00} and XX/XX/XXXX for {$2300.00} ( included 10 % penalty ) out of my escrow account. 

When I contacted them, the first agent was mad at me and said this question is for the escrow department, not for the tax department. And then they promised to start an investigation of this double payment. I had to contact our tax collector to confirm the disbursement. He mentioned the check on XX/XX/XXXX for {$2100.00} was NEVER CASHED. The mortgage company should be able to confirm it very quickly and return the credit back to my escrow account soon. 

I had to follow up on this mistake caused by the mortgage company myself, which is wasting my time and money. Obviously, they don't run my escrow account professionally.
Consumer complaint received 2022-04-06
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: Synovus Bank (IL)

Hi, my name is XXXX XXXX and I am complaining about the 1stprogress/XXXX XXXX/ account under the # XXXX that is reporting on my credit report. I have filed a FTC complaint under the # XXXX as well as providing additional information about this account that it is not mine as I never opened this account and this is not my information. There has been no evidence provided to me that proves this account as mine or no response in over 30 days from either the creditor or credit bureau.
Consumer complaint received 2021-05-07
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I have reached out to Equifax XXXX XXXX XXXX to request access to my credit report because I have not be able to gain access in over 2 years. I called them and when I gave them information to verify who I am they told me that's not the information they have on file. I have only ever used 2 addresses and only one name, my legal birth name. They refuse to accept any identification I send them to update my file so I can get access to my report and score. I have send letters after letters requesting an investigation be completed and they refuse to do so saying the letters are not valid. I am ready to file a petition against Equifax for withholding my credit file and not allowing me to challenge items on my file.
Consumer complaint received 2022-04-11
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)

Fraudulent Activitiy, Identity Theft, Remove and block the following Transunion Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in XXXX / 2021 I was notified I had a past due balance. I called the company and explained it was not my charge. they agreed to look into and remove. they notified me it was fraud and they would correct and remove any negative credit. they did correct the balance but still have a past due amount showing in XX/XX/XXXX and XXXX XXXX they have NOT been removed as a paid late account
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act, XXXX  account number XXXX has violated my rights. 

15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy. 

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the consumers ( myself ) written instructions or consent. 

The above account is paid in full and confirmed by lender to be CLOSED and in good standings. 

XXXX, EQUIFAX and XXXX have furnished inaccurate information on my credit file. I have disputed this account several times with all parties. Each time it came back as UPDATED. I contacted the lender after each update and verified that the information is inaccurate. I have the right to an account credit file/report. Please remove and delete this inaccurate information and account from my credit file.
Consumer complaint received 2022-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (AZ)

I have contacted this company on multiple occasions to directly dispute this account. The company failed to provide me with debt validation documents as requested via certified mail on XX/XX/2022. Prior to the collection account appending to my credit reports, the company had made no attempt to contact me to verify the account. 
I also have disputed this account XXXX through the credit bureaus yet it hasn't been removed even though Receivables Performance Management has not provided the credit bureaus with any documents velalidating ownership.

I've provided police reports citing identity theft but to no resolve. 
Since XXXX, I've also called the company to dispute the account but they repeatedly transfer me from department to department where no seems to know how to help. Lastly, I filed a dispute directly through their website and no one has reached out nor sent documents to validate this debt. 
As a consumer, this is just horrible. How can creditors just ruin your good name? No one seems to be able to help me yet the creditor keeps reporting this invalid account to the credit bureaus.
Consumer complaint received 2022-07-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (GA)

We purchased this vehicle on XX/XX/XXXX. In XXXX of XXXX my husbands job moved us to XXXX At that time, with no communication as to why, our payment went up {$110.00}, from {$1700.00} per month to {$1800.00} per month. We called and were advised that XXXX had a lease tax. On XX/XX/XXXX my husbands job moved us to XXXX We sold our home in XXXX and bought a home in XXXX. We changed our addresses on file with US Bank. We registered our vehicles, including this one, immediately in XXXX. We called US Bank in XXXX and asked when the XXXX tax of {$110.00} would be removed. They said it would come off and we just needed to wait. I called again XX/XX/XXXX to inquire when they would be removing this amount. It took an hour to reach someone and I was told that after speaking to a " credit specialist '' we had to call XXXX XXXX XXXX Tax assessors office and tell them to stop billing US Bank the XXXX Tax Amount. I asked how I was supposed to do that? I lived in XXXX and I know the tax assessors office is not reachable by phone and I am XXXX hours by car. They proceeded to hang up on me. I immediately tried to call back. I headed another " banker '' XXXX and told her what happened. I told her I was officially disputing the XXXX  tax amount. I just can't with them any longer. They are doing something similar on another account which I will be filing a separate complaint for. My husband and I are rule followers. We pay ALL of our bills on time always. This account is current. As of now they have collected XXXX months of this extra tax that they should not be collecting. We are asking for assistance as this company is absolutely refusing to help us in any way with any account we have with them. I am attaching the original contract. The last statement with the original payment amount, XX/XX/XXXX. The XXXX statement with the additional tax amount XX/XX/XXXX and who I talked to when I received it. And our most current statement from XX/XX/XXXX which has been paid.