davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-17
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been paying on equity line of credit for 10 years which was an interest only account I had no idea this I have been paying {$19000.00} and now I still order complete {$50000.00}. 
These in my Pinyan a predatory practices and out unlawful I have tried to reach them by phone and have been sent from phone call to phone call with no response. what they have done should be unlawful. I will have paid {$100000.00} by the time I 'm done.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have no knowledge of XXXX accounts that have appeared on my credit report. I have filed disputes/investigations with TransUnion and XXXX. I believe I am a victim of identity theft. One of the accounts has an open date that would mean I was XXXX years old at the time. I most definitely never opened an account at XXXX years old.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OR)

I have sent multiple letters and have made numerous phone calls regarding the collection item from XXXX XXXX XXXX XXXX. acct # : XXXX  that appears on my Equifax credit report. I have documentation from the collection agency and phone call verification stating that they have requested Equifax to remove the collection from my report as it is and has been paid in full for sometime. To this date, Equifax has not been in compliance as the collection item still appears on my report.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I had a mortgage with XXXX XXXX on my previous property of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NH XXXX dating back to XX/XX/XXXX. In XXXXXXXX XXXX XXXXXXXX, I contacted them and got approved for a 3-month forbearance for XXXX and XX/XX/XXXX. 
I received a letter on XX/XX/XXXX confirming Im in a Covid19 forbearance plan and no action is required at this time. 
On XX/XX/XXXX I was notified that my forbearance was approved for an additional 3 months ( letter attached ). 
I was able to return to work in XXXX which you will verify as part of my mortgage application and once I was working I called in on XX/XX/XXXX to let them know I was now working and would be able to start making payments. Apparently that phone call triggered the person on the other line to click on a box on his screen and he took my loan out of forbearance without informing me ( this is info that was provided in subsequent phone calls to XXXX XXXX  after the 90-day late was reported and I questioned it ). During the XX/XX/XXXX phone call, I was told I could either let the amount in forbearance be added to my loan balance or pay it all at once. I chose to make a large payment of {$3300.00} on XX/XX/XXXX which paid for XXXX XXXX and XXXX. These amounts were not past due as they were part of a forbearance plan. I also made a full payment that day to pay for the month of XXXX. 
The XXXX XXXX mortgage statement dated XXXX shows all transactions described in the paragraph above and also shows the XXXX mortgage payment as paid on XX/XX/XXXX yet the credit report states a 90-day late payment in XXXX. 
The XXXX XXXX  mortgage statement dated XXXX shows that if the total due is paid after XX/XX/XXXX then there will be a late charge. You can see on this statement that there are no late charges and that is because the loan was in forebearance. 
Attempts to resolve this with XXXX XXXX  have been unsuccessful.
Consumer complaint received 2024-10-25
Product: Credit reporting 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. (MO)

As I did not authorize these hard inquiries, I request their removal from my report per 15 USC 16c-2, as theyre lowering my credit score.
Consumer complaint received 2017-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (FL)

Franklin Collection Services reported, on multiple occasions, to all three credit bureaus that I owed a d ebt to   XXXX   XXXX   XXXX   that was paid directly to   XXXX   XXXX   XXXX  . I never received any notification from Franklin, I wrote asking for validation and never received a reply and disputed with the credit bureaus, including submitting proof of my payment directly to   XXXX   XXXX   XXXX  .  Franklin Collection  is still reporting this collection to all  XXXX  bureaus, although they have now changed the balance to {$0.00} with  XXXX .
Consumer complaint received 2017-05-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (WV)

I have been contacted by a collection agenc y, Diversified Consultants, in   representation of  XXXX  about a bill that they say I owe on account that was closed in  XXXX   XXXX . This account was closed with the amount of  XXXX . due. Which I was willing to pay, however I received a bill from the first collections agency "   XXXX   XXXX   '' on  XXXX / XXXX / XXXX  for the amount of {$420.00}, which is double what the service bill was actually for. Then on  XXXX / XXXX / XXXX  I receive a new bill from  Diversified Consultants telling me I owe {$810.00} which is now almost 4 times the a ctual service amount due. I refuse to pay this balance because it is incorrectly being billed. I have contacted Diversified via letter and they have responded back with an invalid " made up '' final copy of my  XXXX   XXXX  because this is  one I 've never seen nor could I imagine it going up when the account was closed. I have attached all documents including a check stub from the FTC about these same collectors a nd their invalid information regarding  XXXX  where I was paid a settlement amount. I refuse to pay this and deal with this so I am reporting them to you. I would like them to remove this account from my credit report and also advise them whatever " records '' they say they have blocking me from ever getting a  XXXX  phone account again, relinquished. I also want a formal letter from them responding that this has been completed. All verification documents are attached.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and 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
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-21
Product: Credit reporting 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. (OH)

Tonight, I found unauthorized inquiries on my credit report, and I have no idea why theyre there. I regularly check my credit report, but this time there were unexpected discrepancies. I even tried refreshing the page, thinking it might be a glitch, but the unauthorized inquiries remained. This issue is very concerning, and Im requesting that the documents Ive submitted be thoroughly reviewed to prevent this from happening again.
Consumer complaint received 2024-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2016-04-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (CO)

I filed for forbearance as a result of unemployment back in XXXX 2016. Since that time, Freedom Mortgage has consistently delayed processing my request with frivilous requests that I resubmit paperwork already provided in triplicate, documents they never disclosed at the start as requiring. They also delayed my request b/c the single point of contact assigned to me took a week off for personal business without having anyone work on my account during his absence ( XXXX XXXX ). He also failed to touch my file when I submitted paperwork but would delay processing my paperwork for 3 to 5 businsess days ( XXXX XXXX ). New single points of contact were assigned multiple times with and without my request for change, which added more delays. The single points of contact failed to look at the paperwork provided and would ask me to resubmit paperwork because I had provided so much paperwork ( which was result of their frivolous attempts to delay ). Four months later, I have found a job and now I am being penalized with penalties that were a direct result of Freedom Mortgage 's delays ( not mine ) and I am being penalized with an increase in interest rate. They are restructuring my loan rather than granting me the forbearance during the periods that I was unemployed because I am now employed 4 months after I filed for forbearance - so I am being penalized for having getting a job instead of waiting for them to finally process my request for forbearance. They have ruined my credit score with all their delays so I ca n't go to another lender.
Consumer complaint received 2016-04-15
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION (TX)

A man keeps calling from phone number XXXX, claims he is a lawyer and says that if I dont pay back a payday loan from nearly 3 years ago, that I 'm going to jail. Says I should have received a court summons recently, and even went as far as saying when I 'm being arrested. Also someone called on my personal cell phone with the phone number from the local police dept on my caller ID, the person calling me then was female, she gave FAKE name and FAKE badge number, then claimed that she was on her way with local sheriff to arrest me for non-payment of old payday loan. No one ever showed up. Later confirmed with local police department that the officer name and badge number was fake.
Consumer complaint received 2024-08-27
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

SEE ATTACHED TRANUNION IS NOT COMPLYING TO MY REQUEST MY PHONE NUMBER ( XXXX ) XXXX IS LISTED ON CONSUMER STATEMENT AND MY NEW EMAIL XXXX still these changes they have no excuse not to mail my request to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IAM NOT SENDING ANYMORE DOCS THROUGH US MAIL AND STRICTLY LIMITED TO THIS CFPB WEB SITE
Consumer complaint received 2017-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

Reference prior Case Number  XXXX  Submitted  XXXX   XXXX   Freedom  Mortgage Responded  XXXX   XXXX ,  XXXX  Freedom Mortgage admitted its error. Submitted information to the credit reporting bureaus in an attempt to undo the damage that it had done. Refunded the wrongfully collected late charges and claimed to have corrected the error, which began in  XXXX   XXXX .     Here we are, nearly a year later. The error that was supposed to be corrected is n't. Freedom mortgage continues to charge me late fees, report false and defamatory information regarding my credit to the bureaus, and CONSTANTLY CALLS ME with people who have no clue what 's going on and want to start the conversation at squar e one . I will be filing a lawsuit.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (OR)

They call me multiple times a day/week. Its only Wednesday morning and Ive already been called 8 times since Monday. I already told them at the beginning of this month I cant pay because Im on medical leave and will be filling out paper work for them. 
Monday XX/XX/24 called once at XXXX. 
Tuesday XX/XX/24 called 6 times from two different numbers XXXX, XXXX, XXXX, twice at XXXX, and XXXX. 
Today Wednesday XX/XX/24 once so far at XXXX.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (OR)

I made a complaint this morning already. Shortly after I submitted it I got another call. I told them to put me on the no call list and that this was the XXXX call Ive received since XXXX The guy said hed put me on the no call list. Less than an hour later I got another call. The XXXX call since XXXX. It was a different person on the phone and she told me no one put any notes in my thing to not call me or put me on the no call list. Theyve called me XXXX times this morning all ready, XXXX XXXXXX/XX/year>. Once since I told them to stop calling me.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXXXXXX XXXX XXXX I registered for Capital One Credit Wise during registration and transferring my personal identification as requested, I was sent a 2-step verification code to my phone from ( XXXX ) XXXX. After signing up I no longer have access to the site with my username and password and the claim is that my phone is not registered or match my account when it's the same number used to register the account and take in all my personal information. It is a complete lock out.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports