davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I have disputed the items listed below a couple of times. What I have asked Equifax to do is to verify the Date of First Delinquency ( DFD ) for each of these creditors. Equifax has not done this. I have recieved nothing to affirm that this information has been verified. How can I verify that they have actually investigated this information rather than rubber stamping. I stopped paying my creditors around XX/XX/XXXX. How is it that these creditors are all reporting the Date of First Delinquency differently If I stopped paying these bills at the SAME TIME? 
-XXXX *reporting XX/XX/XXXX-XXXX *reporting XX/XX/XXXX-XXXX *reporting XX/XX/XXXX-XXXX -The original creditor, XXXX XXXX XXXX has already fallen off because of reporting limitations. *reporting XX/XX/XXXX-XXXX XXXX XXXX XXXX The original creditor, XXXX XXXX has already fallen off because of reporting limitations. *reporting XX/XX/XXXX-XXXX XXXX XXXX Line of Credit *reporting XX/XX/XXXX-XXXX *XX/XX/XXXX ... ..Date opened XX/XX/XXXX ... I never paid on this loan.
Consumer complaint received 2015-06-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Mayan, LLC (WI)

I keep getting phone calls from phone number : XXXX. They call constantly. I had XXXX calls from them in 4 days. It 's an automated/computer call. They have been calling for a few months now. I did try to call them back 1 time and it went to voicemail. To my knowledge I do n't owe any money that would be under debt collection. I tried to research the company ( XXXX XXXX, or XXXX XXXX, not sure of spelling ) and all I find are reports of scams connected with the phone number.
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

The terms of the loan modification that Ocwen Loan Servicing had done for us was really terrible and unjust. As you will in the mortgage statement attached to my complaint. I have a deferred principal of {$220000.00} and a regular principal of XXXX. I gave an interest of 2 % only on regular principal XXXX that will expire on XXXX XXXX, 2017. My payment is based only my regular principal of XXXX. I have a XXXX on the same property with XXXX with a balance of {$55000.00}. This is really deceptive what they did to me. I accepted it back the because otherwise, I would my house. Based on the underwater status of our mortgage, reducing the principal amount of our loan is the fairest way to reduce payments. If necessary, we can look at a combination of reducing the principal and adjusting the interest rate or length of the loan to facilitate reduced payments which is our immediate goal. This option allows us to work together and stay in our home for years to come while avoiding the time and expense of a foreclosure lawsuit for the bank with little or nothing to gain. The appraised value of the property is {$160000.00}.
Consumer complaint received 2015-06-25
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I must required XXXX filed XXXX charging complaint against Bank of America in worst unresolved of overdraft, checking, debit, and credit card into their discrimination issues as they made unresolved of my appearances and they do not like me, too escalated much! They do not welcome me remain with debit, checking, and other banking services until move out of state. At worst unresolved complaint - I am not happy with Bank of America people in XXXX, OR at XXXX in downtown, In addition, they do not interest in my appearances and others in their discrimination reasons are all unresolved problems. I escalated complained against Bank of America are all unresolved problem. They made their responsibility hatred against all my appearances must be recorded to U.S. Senators and Speaker XXXX XXXX in enforced cooperation addresses to XXXX for more excessive orders!
Consumer complaint received 2015-06-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: FIRST NATIONAL BANK OF OMAHA (CO)

I received a phone call from an unknown number on XX/XX/XXXX saying that I was being served of a court order due to unpaid debt from XXXX in XX/XX/XXXX and that I need to call the number ASAP ( XXXX ) XXXX, however, I have never heard of this before or recevied any letter. They told me I need to pay the debt ASAP or I am being served to go to court. However, when I looked at court orders in XXXX or XXXX, I did not find a record. I call the next day to look into what I can do as a consumer, I asked for contact information and professional license number. They provided me with the contact information but not the professional license number as they said they will not provide this. Additionally, I asked if I can get a written description of what I owe, e.g., agreement of credit, information of the credit and what I owe and they said I will never get XXXX as they have bought the debt from another company. The company name is XXXX XXXX XXXXXXXX Contact Information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. Phone number : XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I applied for a loan modification over 18 months ago with SLS ( Specialized Loan Servicing LLC ). I have been diligently providing all documents requested by them, often multiple times, in an effort to have the modification approved. I was advised early on in the process that I qualified for the loan modification. To date they have failed to approve the modification and continue to ask for materials that were previously provided. In the multiple repeated phone calls to SLS they have not had the same individual answer the phone and I keep getting different stories from whatever representative I speak with. This company has been impossible to deal with and is going to cause me to lose the property that I was seeking the modification for due to their inordinate delay and complete inability to respond to this request in a reasonable manner. At this point I am facing a Sheriff 's sale next week on my property due to the fact that they continue to give me the runaround.
Consumer complaint received 2015-06-25
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (KS)

Back in XX/XX/XXXX, I applied and received a care credit account for XXXX worth of dental work my husband needed. Our insurance would only cover XXXX of this amount. On the last month XX/XX/XXXX I made a last payment to take care of the XXXX transaction of this total. I was 8 days late. Not understanding that their is no grace period for this account. They immediately charged my account the back accrued interest. I did not realize I was acquiring interest on an interest free loan if paid back at the end of the term. I paid early on a transaction that was due in XXXX, However they charged me the interest on it because they said I still owed money on that transaction. I had been paying the amount on the statement each month to pay these off. I currently owe over XXXX on this account and have XXXX transactions left for XXXX ... Due XXXX and XXXX due XXXX. Yet I am paying XXXX/month and XXXX of that is going to the actual loan. I was not aware of these stipulations when I signed up for the loan through my dentist. I was told it was 0 % interest for 2 years. Calling today they have sent me to the bankruptcy division of their company. I have not filed for bankruptcy. Not sure what is going on. 

Thank youXXXX XXXX KS XXXX
Consumer complaint received 2024-11-21
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. (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 

I looked at my transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am disputing inaccurate information reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on my credit reports with Experian, XXXX, and XXXX. The issue began on XX/XX/XXXX, when the account was first assigned to XXXX XXXX XXXX XXXX XXXX. 

Detailed Description of the Issue : Inaccurate Reporting : Date Reported : XX/XX/XXXX Balance Owed : {$360.00} Status : The account is being reported as unpaid and {$360.00} past due as of XX/XX/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 I sent a dispute letter to Experian requesting verification and correction of the account status and balance. I provided proof of payment showing the debt was settled in full. 
Date : On XX/XX/XXXX, I sent a similar dispute letter to XXXX, including the same documentation. 
Date : On XX/XX/XXXX, I sent a dispute letter to XXXX with the same details and proof. 
Despite providing clear evidence that the debt was paid in full with the original creditor XXXX, the credit bureaus did not correct the inaccurate information. 

Actions Taken by the Company : XXXX XXXX XXXX XXXX XXXX has continued to report the debt as unpaid and past due, despite receiving payment confirmation. 
The credit reporting agencies ( Experian, XXXX, and XXXX ) have failed to verify and correct the erroneous information after multiple disputes. 
Impact and Request for Resolution : The continued inaccurate reporting of this account has significantly impacted my credit score and my ability to obtain credit. The incorrect information suggests that I have an unpaid debt, which is not the case. 

Request for Resolution : I request that the CFPB assist in : Verifying the information with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Correcting the account status to reflect that the debt has been paid in full. 
Removing any reference to the debt being past due from my credit reports with Experian, XXXX XXXX XXXX 
Thank you for your assistance in resolving this matter. I look forward to a prompt and accurate resolution.
Consumer complaint received 2015-06-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (MD)

Filed with my XXXX lien bank, Susquehanna Bank, for a short sale over 45 days ago. They have not been responsive, nor have they scheduled an appraisal to date. Failure of Susquehanna to respond could affect payoff of my XXXX lien with XXXX XXXX.
Consumer complaint received 2015-06-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

At finally, I required to file extra-charging complaints against Bank of America that They still refused send my paid rent check with sad icons forward to Speaker XXXX XXXX and U.S. Senators and they refused helped with me into credit card declined because of overdraft and bad credit records as XXXX official told me that I applied for XXXX Bank for a debit/checking account application had been declined in the past years ago because of Bank of America had my bad record included overdraft and others. In addition, I did not get a refund check {$310.00} since XXXX XXXX, XXXX i checked mail daily, it was nothing to do, so frustrated with Bank of America did not send me a refund check to me without alert messaging to my smartphone, it helps me a notification alert. They declined my credit card with XXXX that they discriminated me that had not resolved problem. I do not want call Bank of America without person will take care of me.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I am writing to follow up on my ongoing complaint against Experian ( Complaint # XXXX & XXXX ) and to provide additional information regarding Experian 's continued violations of the Fair Credit Reporting Act ( FCRA ) and the resulting harm to my financial well-being and household. 

Despite my previous dispute and request for deletion of inaccurate addresses from my credit report, Experian has failed to conduct a reasonable reinvestigation as required by FCRA 1681i ( a ) ( 1 ) ( A ). Instead, they appear to have simply added the disputed items to my credit file without properly investigating their accuracy. 

Furthermore, Experian has not deleted the inaccurate information from my report, in violation of FCRA 1681i ( a ) ( 5 ) ( A ), which requires them to promptly remove any information found to be inaccurate, incomplete, or unverifiable after a reinvestigation. 

Experian has also failed to provide me with notice of the results of their reinvestigation and an updated credit report, as mandated by FC RA 1681i ( a ) ( 6 ). As a result of Experian 's continued reporting of inaccurate information, I have suffered substantial actual damages. I was recently denied credit by XXXX XXXX XXXX for a personal finance loan through XXXXXXXX XXXX, with the adverse action notice specifically citing information from my Experian report as the reason for the denial ( see attached ). 

Moreover, I have been denied employment opportunities based on my Experian credit report, further compounding the financial harm to myself and my household as a single parent. 

I am requesting that the CFPB take prompt action to enforce Experian 's compliance with the FCRA, including : XXXX. Directing Experian to conduct a reasonable reinvestigation of the disputed addresses and delete any information found to be inaccurate, incomplete, or unverifiable. 

XXXX. Requiring Experian to provide me with written notice of the results of the reinvestigation and an updated copy of my credit report reflecting the deletions. 

XXXX. Compelling Experian to compensate me for the actual damages suffered as a result of their FCRA violations, including the denial of credit, loss of employment opportunities, and the associated financial and emotional harm. 

Thank you for your attention to this matter. I appreciate the CFPB 's assistance in holding Experian accountable for their ongoing FCRA violations and ensuring the accuracy and integrity of my credit report. 

Attachments : XXXX. Adverse Action Notice from XXXX XXXX XXXX XXXX 
XXXX. Address Dispute Letter to Experian
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Employers 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-09
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. (FL)

I was alarmed this morning when I saw incorrect accounts on my credit report, and I have no explanation for why this happened. I always check my report, but this time, out of the blue, there were discrepancies. I thought refreshing my browser might fix it, but the inaccurate accounts remained. I urgently request that the documents Ive sent be reviewed thoroughly so I can stop being anxious about this.
Consumer complaint received 2024-11-21
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 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