davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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)

The following is a description of the indecent taken straight from case summary Throughout the document I am of course referred to as the " Plaintiff XXXX XXXX '' : Plaintiff, XXXX XXXX lived in his home as his primary residence for more than 25 years. XXXX had paid all loans and therefore owned 100 % equity in his home. XXXX discovered, sometime after the fact, that a Deed of Trust had been executed granting XXXX real property in trust to XXXX XXXX XXXX or its predecessor in interest with the power of sale in the event of a default of said promissory note for {$700000.00}. The lender was named as the beneficiary in the Deed of Trust Upon discovering that an unauthorized note and Deed of Trust had been fraudulently executed, XXXX notified the servicer of the loan, that he, XXXX was in fact the homeowner, but was not in fact, the borrower. XXXX identity had been stolen and therefore the person posing to be the homeowner was in fact an imposter. Homeowner informed the broker, lender and servicer that the alleged loan, the Promissory Note and Deed of Trust were in fact the product of fraud and Identity theft and are therefore void. Notwithstanding, the notice from Plaintiff, the lender continued to take actions to effect a non-judicial foreclosure of Plaintiffs home. The lender and its servicer took no action to file a suspicious activity report XXXX with the appropriate administrative authority. The lender and servicer instead caused a Notice of Default NOD to be recorded against the Homeowners property on or about XX/XX/XXXX, XXXX Thereafter, Plaintiff filed the instant suit based on information and belief that the imposter fraudulently posed as Plaintiff, XXXX. Also named is the individuals attorney, the lender, the servicer, the broker, the originator, the escrow officer the escrow company, the Trustee and the Notary Public used to notarize the fraudulent signatures.
Consumer complaint received 2022-07-29
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. (TX)

Experian is violating my rights! 

Account : XXXX XXXX XXXX I had contacted and spoken with a representative from XXXX XXXX and they had agreed to remove this account from my reports immediately. But Experian still shows this account! 

I have disputed this account with Experian multiple times and now I need to sue. 

Experian ALSO shows inaccurate data on this account and I am in my legal right now to SUE Experian and demand this account be removed! 

Last verified date does NOT match XXXX or XXXX! 
Date of Last Activity does NOT match XXXX or XXXX! 
Date Reported does NOT match XXXX or XXXX! 
Closed Date does NOT show! Does NOT match XXXX or XXXX! 

Each violation can be {$1000.00} in damages against Experian in court.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Subject : Formal Dispute Regarding Inaccurate Reporting by XXXX and Experian for XXXX XXXX Account I am writing to formally dispute the incorrect reporting of my closed XXXX XXXX credit card account, [ account number : XXXX ], as reflected in my XXXX and Experian credit reports. Despite my efforts to resolve this matter directly with XXXX XXXX and both credit reporting agencies, the inaccuracies persist, and I am now seeking your intervention. 

Issue Summary : Credit Reports with Errors : XXXX and Experian Credit Report with Accurate Information : XXXX Account Status : Closed and paid as of XX/XX/XXXX Discrepancy : XXXX and Experian are incorrectly reporting 7 late payments ( marked " 30, '' " 60, '' and " 120 days late '' ) while XXXX correctly reports the account as " paid as agreed '' and " never late. '' LATE PAYMENTS DATE XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX Violations of Federal Laws : CARES Act Violation : Under the CARES Act, all accounts active between XX/XX/XXXX and XX/XX/XXXX, plus 120 days thereafter, should be reported as paid as agreed and never late, as long as the account was in good standing during the forbearance period. Both XXXX and Experian have failed to adhere to this federal mandate and are incorrectly showing late payments for the stated period, which violates the protections provided under the CARES Act. 

Fair Credit Reporting Act ( FCRA ) Violation : The FCRA requires that all credit reporting agencies ensure the accuracy and completeness of the information they report. Despite submitting several disputes to both Experian and XXXX, they continue to report inaccurate late payment information, and I have not received any details about their investigative processes. This lack of response and failure to correct the errors directly violates FCRA guidelines. 

Truth in Lending Act ( TILA ) Violation : The TILA mandates that accurate terms and conditions are reflected on credit accounts. The erroneous reporting of late payments on my account misrepresents the status and history of the account, potentially violating TILA by falsely representing the terms under which my account was closed and paid off.
Consumer complaint received 2021-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Georgia Student Finance Authority (MA)

I took a student loan from Georgia Financial Authority in XXXX. I paid off the loan from what the representative told me I owed in XXXX of XXXX. 

I recently checked with credit report recently and saw that I have had 120 late payment for that account starting from XXXX of XXXX to XXXX of XXXX. 

I called them and told them that It should of been closed. they told me that thee eaccount was never closed and that there was a small remaining balance that had been accruing interest. 

All the contact info they have on me was from XXXX when I initially took the loan and so there was no way for me to know there was anything remaining. 

This has completely ruined my credit and I filed a dispute with them and they told me they are not willing to do anything about it. 

I did my due diligence to.pay off this loan and for me to get so negatively impacted is unfair when they can easily detract/ forgive that deliquency that should not happened in the first place. 

I made sure the account has been closed out as soon as I found out and paid the remaining balance that accrued interest since XXXX. 

Please Help!
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2021-09-20
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: AMERICAN EXPRESS COMPANY (SC)

I reviewed my XXXX credit report on XX/XX/2021 and seen an unauthorized inquiry from American Express from XX/XX/2021 that I did not authorize. I sent a letter via mail XX/XX/2021 and XXXX XXXX disputing this matter with American Express and requesting in writing what permissible proof they possess such as signature, verbal consent or IP address. I received the first response letter received from American Express on XXXX XXXX stating they couldnt delete inquiry because they needed additional information even though I provided my SSN on my first two letter. Received second response letter from American Express on XX/XX/2021 stating they could not remove inquiry because they have permissions or proof but never provided me with the proof as I requested in writing on XX/XX/XXXX and XXXX, XXXX. I sent a third dispute letter on XX/XX/2021 requesting they provide me with what permissible proof they possess or delete this inquiry from my XXXX credit report because I did not authorize this inquiry. They sent a third response letter on XX/XX/2021 stating the exact same thing the letter from XXXX XXXX stated and still did not provide me with permissible proof. I called American Express Customer Care at XXXX twice on XXXX XXXX. First call a man name XXXX answered listened to my situation and stated he was transferring me to a member of his Concern Team. XXXX from the Concern Team answered and I had to tel him hold music was still playing in background so I couldnt hear him. He turned that off and I voiced my concerns regarding the above situation. He just sat in silence after I was done I said hello hello and let him know the call was being recorded as proof that they were just sitting on phone and then he hung up. That call started at XXXX was on hold from XXXX. XXXX picked up at XXXX then placed me on hold waiting for Concern Team from XXXX and was hung up on by XXXX at XXXX. I was never even asked my name, ssn or anything. Im filing this complaint because I have reached out to American Express via mail and phone and this unauthorized dispute still has not been deleted on my XXXX credit report as of XXXX XXXX. Second time I called a lady name XXXX answered and then the phone hung up.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (SC)

Upon selling our home, Regions XXXX accepted {$6000.00} toward the 2nd mortgage/Home Equity Loan when our house sold. The remaining balance we owed was converted into a personal loan, in which we agreed to pay {$25000.00}. This loan promissory note was signed on XX/XX/2018 ; however, the loan was not property processed and was lost. My wife and I made multiple attempts to pay the monthly agreed-upon payment amount of {$210.00} ; however, Regions Bank refused to take our money and stated they did not have a loan for us. Shortly thereafter, we started receiving phone calls from Attorney 's office about the balance due. After contacting 3 different attorney 's offices ( who we were told had received the documentation ) as well as speaking with XXXX XXXX, Manager of Region Collections/Mitigation, he was able to obtain the account back from the assigned attorney 's office ( we still do not know who received the bill ). However, they have not reported the correct amount as well as the correct account number to the Credit Bureau 's on our behalf. We have paid over {$10000.00} toward our agreed-upon balance of {$25000.00} ; however, the credit bureau shows our balance as {$52000.00} AND that this amount is a " charge off. ''
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid a debt off that showed up on my credit report in XX/XX/2020. I did not make this debt, however it was paid off due to the numerous disputes and no change. I have a copy of the receipt yet, it was never reflected on my credit report as paid. The initial company was XXXX XXXX  XXXX XXXX XXXX XXXX The debt was bought by national credit adjusters. The debt was paid as noted on the receipt attached to this claim. It needs to be reflected on my credit reports on all three bureaus. Its been almost a year since I paid and no change. Its been disputed several times and when it comes back from the credit bureau it does not reflect paid. The credit Bureaus refused to change, despite me providing proof of payment. This needs to be fixed ASAP, I have spent so much money disputing this when it should have been fixed a year ago.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2021 I noticed a pending transaction on my Huntington Bank checking account for a {$2000.00} withdrawal at a branch. There are three people on the account and I confirmed with all of them that they did not make that withdrawal. I contacted Huntington customer service and they filed a dispute transaction claim that they promised would be resolved in 4 business days. On XX/XX/2021 the transaction posted to my account and I was able to see the withdrawal slip used. The person who signed the slip had a name similar to someone on my account, but there were an extra 4 letters to her name. Also, the handwriting for the {$2000.00} amount on the slip and the '2 ' in the account number were different so I assumed that the branch teller looked up the person 's account using her name and selected the wrong account. When I called Huntington on XX/XX/2021 they said that the transaction was not going to be reversed because someone on my account had made the deposit. I disputed this and pointed out that the person 's name is different ( on the withdrawal slip ) from what is on the account and that this was clearly a banking error. They keep promising to look into this further and I still do not have the {$2000.00} in my account. I don't believe that they will resolve this because they are not carefully checking the information.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I am lodging a formal complaint against sunrise credit services. This debt collection company has intentionally violated the fdcpa/fcra. Sunrise credit has just reported derogatory information on my credit reports in the amount of {$1700.00} for a debt that isnt mine. I have never recieved a dunning notice in the mail which allows me 30 days to dispute validity. I have lived in New Jersey at the same address for all my life and never recieved any notice from sunrise credit. I am in the process of purchasing my very first home for my family and this errounous account is now holding me back from achieving my goal. I am requesting this account be deleted from my credit reports immediately. XXXX, and attorney general complaints will be filed if account isnt deleted. Thank you for your time.
Consumer complaint received 2021-03-29
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. (TN)

I CHECKED MY CREDIT UPON TRYING TO PURCHASE A HOME TO NOTICE A STUDENT LOAN ACCOUNT : USDOE/XXXX THAT REFLECTS MY CREDIT THAT I DID NOT OBTAIN NOR APPLY FOR. I CONTACTED ALL OF THE CREDIT BUREAUS ( XXXX, XXXX, TRANSUNION ) AND THE CREDITOR LISTED TO NOTIFY THEM OF THESE FRAUDULENT ACCOUNT.
Consumer complaint received 2021-03-25
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. (VA)

In XX/XX/XXXX I started the process of refinancing a house. When the lender pulled my credit report they showed a credit card with a $ XXXX limit with a high balance XXXX XXXX XXXX ). This credit card only showed on my Experian credit report which is considered the standard for home loans. Both XXXX and XXXX  did not show this card. When I researched what was going on I found that this was a card where I had been an authorized user. I had been removed from the account more than XXXX  years prior and XXXX XXXX was not reporting this account as associated to me. Both XXXX  and XXXX  updated their databases, Experian did not. Since I had been an authorized user and was no longer on the account XXXX XXXX could not help me so I had to file a dispute with Experian to fix their data. In the meantime, I had my current credit card with XXXX XXXX on hold because the payment disbursed to pay off my cards as a part of the refinance relied on the data on my credit report. 

In XX/XX/XXXX I started the process for a new home mortgage. I checked my report regularly to see when balance updates posted to my account. I fined a dispute in XXXX because I had paid off a $ XXXX personal loan which has the balance posted on the XXXX of each month but the most recent posting had been XXXX XXXX. My dispute was deleted from the system and my credit report was updated to show that the bank had updated my balance on XXXX XXXX. It took XXXX weeks and a dispute for Experian to post the update from my bank I called Experian on XXXX XXXX because I had XXXX credit cards and XXXX bank loan balance which had not been updated for XXXX. Each of these accounts sends balance updates on the XXXX of each month. I was told my only option was to file a dispute. I explained to the representative from Experian that I was not disputing the balances posted by these companies, I wanted to file a complaint that those balances had still not posted XXXX  days after they had been provided. I continued to receive the run-around telling me my only option, by law, was to dispute the reported balance. I had no means of complaining directly to Experian that it was not the creditors, rather, it was them that was the problem. Submitting a dispute would have halted my ability to complete the home loan. 

Now I am in the position of paying a higher percentage interest rate on my home loan because Experian takes weeks to update the balances provided by creditors. 

When I asked about filing a complaint when I was on the phone I was given a case number. I had no method to reference what was written in the complaint for accuracy and was told to have no expectation that the results would be communicated back to me. I requested an address to file a formal complaint by letter. I was given an address but told that I should not necessarily expect return communication as to the results of the complaint.
Consumer complaint received 2021-03-29
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. (TN)

I CHECKED MY CREDIT UPON TRYING TO PURCHASE A HOME TO NOTICE A STUDENT LOAN ACCOUNT : USDOE/GLELSI THAT REFLECTS MY CREDIT THAT I DID NOT OBTAIN NOR APPLY FOR. I CONTACTED ALL OF THE CREDIT BUREAUS ( EQUIFAX, XXXX, XXXX ) AND THE CREDITOR LISTED TO NOTIFY THEM OF THESE FRAUDULENT ACCOUNT.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CO)

My home was in foreclosure because I got behind in payments. However, I was able to come up with the money needed to cure the forecloser in XX/XX/XXXX and I followed all the proper steps with the county. This is when I felt as though we were finally back on track. I resumed making my monthly payments in XXXX, however, the Mortgage company kept returning my payment to them and telling me that my mortgage was still in default. I spent days trying to contact the legal office and the mortgage company trying to find out what was going on. I was told the money I paid ( approximately {$24000.00} ) was never released from the legal company to the mortgage company. I was assured all this would be fixed and once the mortgage company received the payment they would reach to me and tell me my new monthly mortgage amount. In the meantime, I never stopped paying my normal amount, and month after month the mortgage company returned my payment. It is now XX/XX/XXXX and I have received a letter from the same legal office that they are starting the foreclosure process because of a past due amount of around {$10000.00}. I have tried to call the mortgage company and the legal office multiple times and I am never able to get help or get the situation resolved. We have received notice from the lender 's attorney stating they have been authorized to begin foreclosure procedures. I am also being told I owe more penalties and late fees and have to go through the foreclosure process again. At this point I believe is a conscious and discriminatory effort by the mortgage company to make me look like a bad lendee, destroy my credit, steal my home, and essentially suppress me and my family due to either. our previous foreclosure situation, our economic condition, or worse of all, our ethnicity. I desperately need assistance ASAP.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am XXXX year old senior citizen. Customer of Bank Of America 41 years. I have always paid my credit card bills each month my entire life Within the Last 9 years I have gone into my Life savings depleating its making large jumbo payments of {$5000.00} - $ {$10000.00} several times Paying Bank Of America bringing my. Out standing valence down. Bank Of America Has been charging me % 19 percent interest on. My credit card for 9 years although I faithfully pay my. Credit statements faithfully my entire Life Ive asked Bank of America repeatidly to please lower my interest they say Im getting very low interest which is not true Although I faithfully pay my bills on time plus paying around {$400.00} in penalty rates ntwredt fees a month I can not pay off my credit debt without going into my senior. Life savings Im asking Bank America to drop monthly interest to % 0 percent compared to XXXX XXXX XXXX