davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-28
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. (GA)

On XX/XX/XXXX, Equifax opened a dispute request sent certified mail on my behalf for my XXXX XXXX account. The dispute was in regards to ( 2 ) 30 day late payments for XX/XX/XXXX and XX/XX/XXXX. I informed Equifax that the payment for XX/XX/XXXX was never late and the payment for XX/XX/XXXX should not have been reported late under the Cares Act. Per the Cares Act, the law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. The Other Relief for my account was : I requested for my late fees to be waived due to being sick and out of work. I was granted this accommodation for my XXXX XXXX account. I submitted documentation along with my dispute request which consisted of the communication between myself and XXXX XXXX via their chat system online. Equifax closed the dispute request on XX/XX/XXXX but did not correct my Payment History and Payment Status. I have attached the same documentation to this complaint that was submitted to Equifax.
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

Following our request for a payoff, RoundPoint Mortgage Servicing provided us a Payoff Statement of the subject loan on our house on XX/XX/2022, with a payoff date of on or before XX/XX/2022. On XX/XX/2022, the loan was timely paid in full with a payoff of {$480000.00}. 

Despite our requests RoundPoint Mortgage Servicing has failed and/or refused to provide to us or record a Satisfaction or Release of the subject mortgage even though they were paid in full with the full amount requested of {$480000.00}. 

We have now been informed that after being paid in full on XX/XX/2022, RoundPoint Mortgage Servicing fraudulently sold or transferred our consumer loan to XXXX Mortgage who is now seeking double payments and damaging our credit. We have demanded a Satisfaction or Release of Mortgage from Freedom Mortgage in addition to RoundPoint while showing the Payoff and Wire Transfer in the amount requested in the Payoff to both lenders with no response. 

In fact, after overpaying 7 days of interest and after an insurance escrow refund, XXXX XXXX and XXXX XXXX are owed a refund of {$1600.00}.
Consumer complaint received 2022-05-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments.Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 
Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : Incorrect late payment
Consumer complaint received 2022-11-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

My XXXX and I were in the process of applying for mortgage forbearance with Carrington Mortgage LLC. Prior to submitting the official application, I called and spoke with a customer service rep who made it very very clear that we would be approved for the XXXX month mortgage forbearance. She said things along the lines of we will have no issue being approved for the forbearance, and that just about anyone that applies is getting approved. I hope their lines are recorded because it was about a XXXX minute conversation with her guaranteeing this. We ended up being denied, even though we were being affected by covid due to the insane inflation, which has made the cost of our essentials significantly higher than they had ever been. On top of that, we had to have an entire water filtration system and waster softener installed in our home. 

At the time of the application denial, we were almost XXXX months behind on our mortgage. Instead of a XXXX month forbearance, our application was pushed through to some other solution they call a loan modification. This included XXXX paying a modified mortgage amount of {$300.00} MORE than our current mortgage we were already having a hard time paying. We had to accept this offer or pay XXXX  months worth of late mortgage payments. Now we're struggling ever more. We XXXX XXXX qualified for the mortgage forbearance because of the XXXX XXXX and the Economic Impact. To top off the additional {$300.00} extra we're having to pay on our current mortgage, they're not allowing us to pay through their website which leaves me to pay through services like XXXX, XXXX XXXX, and XXXX checks through my bank. All of the fees associated with the services just mentioned add up to another almost {$100.00}, putting us almost {$400.00} over out normal monthly payment we were already unable to make. 

When I called Carrington after receiving the forbearance decline, they did absolutely nothing about the person who gave me false hope in thinking we would get a short break from our payments. This entire situation has causing significant XXXX XXXX XXXX, even more financial hardship than we were already having, and sending my XXXX and I into a state of XXXX. Carrington made us an insane promise over the phone, let us down, are taking more money from us each month, and they seem more than happy to do it. We have a XXXX year old child we need to take care of, and we feel like we'd been robbed of our right under the XXXX XXXX and are not able to get back onto our feet.
Consumer complaint received 2022-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX I tried to explain to them that TransUnion I was a victim of identity theft due XXXX data breach and had no knowledge of this account. They continued to report it even after repeated attempts to resolve the matter. As per the Fair debt reporting act, they are not allowed to report stolen or incorrect information that can potentially harm my credit. 

According to 15 U.S. Code 1681b They do not have a Permissible purpose to continue to report unverified information that compromises my identity by reporting inaccurate information on my credit consumer profile. I have reached out to them as well as, send them letters and they continue to ignore my attempts to Block the information.

Transunion continues to violate the law. The law clearly states that. I went ahead and file a complaint with FTC as well. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Finance Company, Inc. (FL)

I have sent a letter of method of verification to the collection agency Professional Finance Company for reporting inaccurate information on my credit reports. They have failed to comply with my request.

Professional Finance Company Acct # XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Consumer complaint received 2022-05-28
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, ADDRESS XXXXXXXX XXXX XXXX  XXXX XXXX, FLORIDA XXXX, XXXX XXXX INQUIRY DATE XX/XX/XXXX, XXXX INQUIRY DATE XX/XX/XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA CLAIM # XXXX WHEN I CONTACTED BANK OF AMERICA AND ASKED TO VIEW VIDEO FOOTAGE OF THE FRAUDULENT ATM TRANSACTIONS THAT WERE DONE ON MY ACCOUNT AT THERE BANK OF AMERICA .IN XXXX XXXX ATM .I WAS TOLD BY A SUPERVISOR TO GO TO THE BANK AND SHOW MY ID AND GIVE CLAIM # AND THEY WOULD VERIFIDE ME AND I COULD GO BACK IN A COUPLE OF DAYS TO VIEW FOOTAGE WHEN I GOT TO THE BANK THEY TOLD ME TO GET THE FAX NUMBER OF THERE CLAIMS DEPARTMENT TO SEND SO WHILE I WAS ON THE PHONE GETTING THE FAX NUMBER OF THERE CLAIM DEPT THE GIRL THAT WAS HELPING ME WENT TO LUNCH OR SOMETHING BECAUSE NO ONE WAS AVAIL TO HELP ME FOR ONE HOUR SO AFTER THIS TASK WAS COMPLETED THEN CAME HOME AND THE NEXT DAY I CALLED THE BANK AND TALKED TO TALK TO ANOTHER SUPERVISOR AND WANTED TO MAKE SURE THAT EVERYTHING WENT THROUGH AND THIS SUPERVISOR INFORMED ME THAT THIS COULD NOT BE DONE THAT THEY WOULD EMAIL ME THE FOOTAGE OF ATM WITHDRAWS SO I CONFIRMED MY EMAIL AND i CALLED AGAIN THE NEXT DAY AND THE NEXT SUPERVISOR INFORMED ME THAT THAT COULD NOT BE DONE THAT I WOULD RECEIVED BY MAIL IN 10 DAYS I SHOULD RECEIVE FOOTAGE BY MAIL SO AGAIN JUST THOUGHT I WOULD CALL AGAIN THE NEXT DAY TO MAKE SURE EVERYTHING WAS GOING THROUGH AND AGAIN I WAS TOLD SOMETHING ELSE THAT ONLY POLICE DEPT COULD VIEW AND ANOTHER THING I SHOULD POINT OUT THAT EVERY TIME YOU CALL CLAIMS DEPT IT TAKES ANYWHERE FROM 20 MIN TO ONE HOUR TO GET THROUGH TO A SUPERVISOR THAT IS IF THEY DON'T HANG UP ON YOU WHEN THEY TRANSFER YOU 1. TOLD I COULD VIEW AT BANK IN TWO DAYS 2. TOLD I WOULD RECEIVE BY EMAIL 3. TOLD I WOULD RECEIVE BY US MAIL IN 10 DAYS 4. TOLD I COULD NOT VIEW ONLY POLICE COULD VIEW THEN AFTER ALL THIS MY CLAIM WAS DENIED EVEN THOUGH I TOLD THEM THAT THIS VIDEO FOOTAGE WAS IMPORTANT BECAUSE THERE IS A CURRENT COURT CASE IN XXXX OF 2022 MY CLAIM WAS DENIED THEN I FILED FOR A RECONSIDERATION OF MY CLAIM AND IT WAS DENIED IN ONE DAY
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (VA)

Fed Loan Servicing Company has transferred my Federal Student Loans over to XXXX. Once I consolidated my student Loans, I was told by fed Loan that the loans that they were reporting on my credit report would be deleted and that the Consolidated loan would appear as one large loan. The Individual Loans are still reflecting on all three of my Credit Reports, XXXX, XXXX, XXXX.
Consumer complaint received 2022-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (RI)

letter dated XX/XX/XXXX from HALSTED FINANCIAL SERVICES. stating that I owe them a debt for {$570.00}. The Original Creditor was XXXX XXXX, who previously charged off the alleged debt. I have no contract with HALSTED FINANCIAL SERVICES nor XXXX XXXX XXXX. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I donot owe them anything I donot know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). They are offering 40 % off the alleged debt along with their symbol which is a violation of 15 USC 1692b ( 5 ). They are threatening me with harmful action towards well-being via credit report which is a violation of 15 USC 1692d ( 1 ). By them even communicating with credit agencies is a violation of my privacy per the Privacy Act of 1974
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( XXXX ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Therefore, the following companies have have violated my rights. 

XXXX XXXX Original loan amount {$140.00} Account number XXXX XXXX XXXX Account info Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LL Services Parent LLC (ND)

Fraudulent inquiries on my XXXX credit report COVIUS MORTGAGE SOLUTION inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-11-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (GA)

On XX/XX/XXXX the response was " Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client XXXX XXXX XXXX, a medical debt buyer, in the collection of their outstanding medical debt. Attached please find a copy of the Itemized Bill for Consumer 's review. Our client is offering a 40 % discount with deletion for this matter. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you '' This collection agency has admitted that they purchase debt from creditors yet they are trying to CHARGE ME for the same debt that was CHARGED-OFF from another creditor. Which is ILLEGAL. The original creditor has already charged the debt and gave me a 1099 form which states the debt is written off. Either remove this account permanently or litigation is the next steps. Thank you
Consumer complaint received 2022-05-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I've submitted multiple complaints on why I believe it is unfair for my credit to be reporting late payments during a hard time. I dealt with XXXX last year into the beginning of this year and it caused me a lot of issues including lose of work and falling behind on payments. I've recovered since then and i have gotten back on track with certain accounts. With XXXX XXXX everything is current and the account is closed. These negative items or impacting my ability to obtain a credit score to buy a new home and I think its unreasonable for my family.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

They do not have my permission to report on my consumer credit report.

IDemand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. 

letters have been sent certified mail and return receipts have been received by me. 

These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : 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
Consumer complaint received 2023-05-11
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX. Please correct and update this account in my credit file ASAP.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor 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 2022-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received an email stating that my debit card is no longer working and they sent me a new one then I called the company and customer service verbally told me the company no longer wants to affiliate with me I asked them the reasons why they said they couldn't tell me possibly something to do with fraud and I had to call this number I called a number and they said the same thing that customer service told me and that remaining funds that were in my account would be mailed out I've waited days I haven't received anything that has put me into a situation paying my bills and getting to work.
Consumer complaint received 2022-11-16
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have a judgement from the XXXX XXXX XXXX XXXX XXXX that I did not know about. They received a default judgement in XXXX for a loan that defaulted before XXXX. They pulled a wage garnishment from my employer for a loan that has tripled because of post judgement legal rate interest. I was not serviced and was not able to defend myself. 
This debt was signed in Virginia and I was sued in Maryland.