davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed XXXX $ XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$270.00} TRANSUNION : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX  XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed : {$270.00} GOLDEN XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-02-02
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: Experian Information Solutions Inc. (NC)

Experian has blocked me from filing any dispute with this company online. I called on XXXX and submitted a dispute. Experian did not send this dispute to the company to investigate. I was sent a message within 30 minutes after submitting the dispute that the results are ready. I did the same thing on XX/XX/2021. Same results in 30 min. After I submitted the complaint Experian decided to reopen the XX/XX/2021 dispute. I have filed a complaint with the Attorney Generals office they have all paperwork for this dispute. Experian has violated my rights as a consumer. I currently do have an attorney that will be contacting them very soon.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I purchased my home in XXXX for {$360000.00} with a {$80000.00} down payment.in XXXX I fell behind four payments from XXXX to XXXX I received a offer for modification from XXXX XXXX XXXX bank to begin on XXXX through XXXX in the amount of {$1900.00} I made the three trial payments. In XX/XX/XXXX my loan was transferred to sps inc. I continued to pay when in XXXX of XXXX I made my payment and was informed it would be applied to an XXXX missed payment I explained I missed no payments and sent the proof of the payment then I was told I was 3payments behind XXXX, XXXX, XXXX of XXXX I sent the proof of those payments and began to receive foreclosure notices.I have attempted to come to a resolution with no luck I even got help from XXXX and I placed the home forsale in XXXX when sps inc ask me to remove the home from the market so they could assist me in keeping my home since I applied for 3 modifications all where denied. And I would like to reinstate the loan sps refused to negotiate the reinstatement Im not asking for anything free Im willing to pay a monthly payment till we reach a resolution.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

1. I was charged a late fee on my XXXX payment for being 1 day late. The reason that I was late because Bank of America failed to send me any notification or statement in advance. I had no idea when the bill would be due. 
2. Bank of America 's bill pay does not have the option to set up autopay. I have recorded a screengrab where I tried to find autopay. I have a perfect on-time payment history because I setup autopay with every other bank in the country. Bank of America is the only bank that does not make it easy to pay the bill.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (GA)

I am requesting the balance of XXXX to be sent to me in a check as this is the credit balance on my account and under the Under the Comment for 1026.21 - Treatment of Credit Balances and TILA Act i have the right as a consumer to request this refund credit to be mailed to me.
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (AL)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-11
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. (MO)

In Accordance with the Fair Credit Reporting Act and my rights have been violated by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt : 20 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A section 2. States that a consumer reporting agency can not furnish an account without my written permission
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/2021 I paid off my Nordstrom credit card bill for {$490.00}. It is now XX/XX/2021 and the payment has not been applied to the account yet. When I have called their customer service number I have not been given a timeframe for when the payment will be applied. They have also said that is uncharacteristic of me to make large payments on the account and that is why the account is under review. I find this insulting and their statement is untrue. In a 12 month period I will make 2-3 large payments towards my debt. The rest of the time I pay between $ 80-100, more than the minimum.
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (NY)

I have been working with XXXX XXXX for over a month, trying to make payment to them. 

They refuse to accept my payment IN FULL. They have ruined my credit and referred me to convergent outsourcing. 

I called convergent this morning, and they advised they do not have an account with my name, and to call XXXX. 

XXXX keeps referring me to Convergent. Convergent can not located my account. 

Please help.
Consumer complaint received 2022-12-28
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item 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 block/remove these files. I found that under section 605b ( a ) Equifax, XXXX and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened:XXXX Balance : {$3300.00}. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. 
SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I was looking for a new car between XX/XX/2020 to XX/XX/2020. Each company that I applied for a car loan with put a hard inquiry on my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IMPORTS, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and, XXXX XXXX XXXX all put a hard inquiry on my credit report. All of these inquiries should of been counted as one because there were made within a 13 day timeframe. I put a dispute in twice with XXXX and they will not remove any of the hard inquires on my credit report. I have attached both of the dispute documentsXXXX and Experian would not allow me to process a dispute for these hard inquiries.
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE ATTACHED INQUIRES. 
PLEASE SEE ATTACHMENTS
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I disputed a charge on my XXXX XXXX-Bank of America credit card and they never followed up with me before they closed the claim. I called them to get a email or fax number to send my documentation but no one returned my call. 

I ordered a product online for {$49.00} and the company XXXX charged me {$180.00}. I shipped the product back to company and they would not guarantee me a refund. So I disputed this charge on the phone with Bank of America and after giving them all the information they assured me someone would follow up requesting addtl. information. 
They never contacted me and 60 days later they closed the claim stating they could not substantiate my claim because they didn't have proof the product had been returned. 
When I faxed them the shipping and tracking information the same day, the followed up with a letter saying it was not received by the specified date. 

I have contacted Bank of America customer service 3 times to let them know I would like them to reopen the case because this claim was mishandled by them.. Each time they have stated someone would call me back within 2-4 business days. It has now been 10 days and no one has followed up. 

Case number : XXXX Date opened : XX/XX/19 Amount : {$180.00}
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (CO)

Lnv funding sold account to XXXX XXXX XXXX XXXX XXXX XXXX. Took legal action and served me with judgement. In XX/XX/2017 served XXXX XXXX and took {$1200.00} out of my account. They still took action and took my daughters account at the XXXX XXXX XXXX XXXX without serving me paper work till after it was taken out a week later then the bank. The still after multiple phone calls and nasty attitude they had went after a judgement while I was employed with dairy farmers of America and where taking XXXX every two week for four months. They have received more then the amount requested. Legal action is next step with this company
Consumer complaint received 2022-07-09
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. (IN)

See Attachments Sent Certified mail XXXX They are in violation of 15 U.S. Code 1692g ( b ) 15 U.S. Code 1691 ( a ) ( 3 )! 5 U.S. Code 1691 ( d ) ( 6 )
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2023 To JPMCB Card Services I hereby request JPMCB card number XXXX to send confirmation letter account not mines, Find attached XXXX confirmation letter stating, XXXX has completed the investigation including contacting the furnisher of information, where applicable, a summary of the results listed below JPMCB Card services has been deleted from the credit file see attached XXXX letter
Consumer complaint received 2022-04-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  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 an account without my written instructions. 

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

1

5 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 sta
tes a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2019-10-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MA)

I have applied for a loan modification for my primary residence but am having difficulty communicating with my servicer. 
I Finally got approved as of XX/XX/XXXX, after a variance was approved ( XX/XX/XXXX ) to remove my co-borrower from submitting financial documentation for a modification. My co-borrower is my uncle in law who is a non-owner occupied borrower who refuses to cooperate. The lender agreed to continue with the variance and suggested A quit claim deed ( XX/XX/XXXX ) and I submitted it only to find out it didnt suffice. I went through my three month trial period and paid three months of mortgage ( XXXX XX/XX/XXXX ) and was told throughout the process My co-borrower would be removed so I could continue with the final modification process. End of XX/XX/XXXX I received the final documentation and it included my late husband who passed away XX/XX/XXXX and my co-borrower. I pleaded with the mortgage company for weeks to remove my husband which they finally did however I was told they would not remove my co-borrower as he was on the mortgage note. I was told if he didnt sign I would automatically fall into foreclosure. I again pleaded with my co-borrower to sign and the mortgage company with the intention of wanting to pay my mortgage and keep my home for my children and I, with no success. Ive complied though out the process but I was mislead, misinformed and Ive struggled to get answers.
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DSNB MACYS has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Under Section 1635 ( f ), if a lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures, an extended right of rescission is provided that expires three years after the transaction consummation date or upon the sale of the property, whichever occurs first. What would be a fair resolution to this issue?
Consumer complaint received 2022-12-28
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. (TX)

Your records show that loan number XXXX was obtained and funded, this account is fraudulent and I am requesting you to remove this from my credit file, the signature attached is not my signature I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file Client Id XXXX
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

I had a trial modification with PHH for XXXX, XXXX and XXXX which i paid all on time and they acknowledge that- So the modification paperwork was supposed to be sent in XXXX it wasn't- I opened a case with you about it- They then sent the paperwork for a due date of XX/XX/XXXX for a payment and the paperwork. 
I sent the payment and they cashed the check on XX/XX/22 and it's pending not posted to my account- I sent the paperwork signed to them priority mail on XX/XX/22 and I emailed them to let them know that I once again did everything I was asked to do on my end in a timely matter and they have before the XXXX due date for both. 

PHH emailed me back on XX/XX/22 that they have the agreement and it passed the initial review. 
Which makes no sense why does this need a review? why has my account not updated? it is now XXXX XXXX Please look into this!