davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The bank of america applied my lump-sum payment to the lowest interested balance rather than paying the highest one. Is n't that a law that credit card co. has to pay highest interest first? 
I had XXXX balances that the promotional rate will be ending at same date on XXXX/XXXX/2016 On XXXX/XXXX/2016, I paid {$4000.00} toward ( I thought, ) soon will go up to 15.24 % ( balance {$4000.00} ) But BA applied it to the another balance that would go up to 7.49 % ( balance was {$5100.00} ) * And the balance of 15.24 % of {$4.00} ( XXXX 2016 ) was increased to XXXX ( XXXX 2016 ). {$5.00} more without the cause! Why? Reps could not explain to me about all these.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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. (LA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
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. (CT)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-10-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (AL)

I just recently saw an account that appeared on my credit report from Midwest Recovery Systems. I have never received any type of letter, bill, phone call, or anything from this third-party debt collection company. They have not verified or validated any type of debt with me. I do n't know who they are collecting for but I do not who these people are and do n't owe any original creditor this amount of money.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
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. (OH)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2016-07-26
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JAYANDBEE INC /dba/ HOOSIER ACCOUNTS SERVICE (IN)

Hoosier Account Services was the collection agency for a medical debt that I owed that I did not know I had. I was contacted on XXXX/XXXX/XXXX about this debt. After almost 2 years of fighting my insurance company and original account holder, I payed the account in-full ( {$20.00} ). I payed this on XXXX/XXXX/XXXX. Hoosier Account Services continues to not report correct information to the credit bureaus. 

The first item that is reported wrong is the " Date Reported ''. The date that they are giving the credit bureau is XXXX. How could this be when I paid the debt back on XXXX/XXXX/XXXX? Also, It is showing the last payment date as XXXX/XXXX/XXXX. This also is wrong as I paid the account in-full on XXXX/XXXX/XXXX. This could lead to the negative account staying on my account for longer than I am legally responsible for. 

I have disputed this account with XXXX and Hoosier Account Services continues to report the wrong information. They also verified this debt as a " Medical Debt '', which verifying medical account information is in violation of my HIPPA rights.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am reaching out because I originally requested XXXX XXXX and TransUnion to validate the XXXX as well as the XXXX XXXX account currently listed on my credit report. This account contains significant inaccuracies, and despite my efforts to address the issue directly with these credit bureaus, I have not received any validation of the information they are reporting. These inaccuracies are seriously impacting my credit score and, as a result, have placed an immense burden on my ability to provide for my family. Ive taken the proper steps by requesting that this account be removed due to the inconsistencies in the reporting and the failure of the bureaus to fully validate the account as required under the Fair Credit Reporting Act ( FCRA ).

Despite my formal disputes, I have not been provided with any documentation that proves the legitimacy of the information being reported. This has left me with no choice but to escalate the matter and file a complaint through your organization. The errors on my credit report are affecting not only my financial standing but also my ability to secure essential resources for my household. I am asking for your assistance in ensuring that these bureaus take the necessary action to correct or remove this XXXX account from my credit report as required by law. I am deeply concerned about the ongoing damage this is causing and need your help to resolve this matter as quickly as possible.
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. (NY)

My accounts 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 to be removed/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. 

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!
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. (NV)

I am writing to formally request the blocking and deletion of all accounts listed below due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted 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 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 2016-07-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

my husband at the time had left me and my son. ive been trying to get help through bank of America since he had left, we had gotten divorced after. so ive been wanting to stay in our home and complying with every effort to save my home. its been three years that ive been jumping through hoops with bofa and they denied me any type of help! They would rather see me and my son out on the streets than to lower my payments. they told me Ido n't make enough money, nah really, that 's why I 'm asking for help! There has got to be something somebody can do to help me save my home ive sent them the divorce papers and even gotten his name off of the deed so they can just by my income .... ive talked to them on and off just about every week sometimes even two times a week crying and pleading for help XXXX they just do n't care about really helping out their customers I know several people who Bofa has turned away. so I 'm stuck possibly getting kicked out! they told me I was approved for a short sale, so if somebosy offers to buy my home for say XXXX still liable to the rest and still be XXXX out of luck with no home for my teenage son and I!!!! but yet they say if we can be of any help you have our phone number so call us if you need us!! haha what a joke
Consumer complaint received 2016-12-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/2016 - Checked my credit report and found inquiries from company on the following dates : XX/XX/2016 XX/XX/2016 I did not put in an application for this company and my credit report should not have been run.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I was a victim of identity theft last year. Several accounts were opened in my name. Several companies extended credit. When I found out. I contacted all the credit bureaus and placed a fraud alert. I filed the required affidavit and returned a copy to each company that there was credit opened with my name and used. I also sent a copy to each credit bureau including Experian. XXXX is XXXX of the companies that is giving me a hard time. They say that It is my account and refuse to take it off. Experian refuses to investigate any further hiding behind the XXXX clause. I want me credit report to report exactly what my responsibility is. I was a victim of identity theft. I am not going to pay XXXX for item that I did no authorize and I also did not receive. Also the system for uploading documents to experian is not working. I have had to spend numerous stamps getting correspondence to them.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (GA)

I consistently have to dispute accounts with Experian. I can not do online disputes because the system generates questions that have nothing to do with me, my identity nor my credit report. I 've gotten asked twice to verify a mortgage account that is n't even on my credit report nor did I have XXXX opened in XXXX. When I call all I get is transferred constantly. Today is XXXX/XXXX/XXXX I 've been on the phone for over 30 minutes, transferred twice. I ca n't get a fraud alert placed on my account. I ca n't seem to do anything but, they keep placing false information on my credit report. I 'm tired of having random things put on my credit report by Experian. I am not having this issue with any company other than Experian. And I pay for a membership with them through XXXX
Consumer complaint received 2016-07-26
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Blackrock Mitigation Group LLC (TX)

Impersonates as a 'Marshall '' as in a law enforcement officer. leaves very threatening voicemails which you are not supposed to leave personal information on a voicemail since you could be compromising someone 's privacy. Falsely claim that there is a court case and that I will be arrested unless I pay today, etc., which of course there is no court case and all claims are false. I have repeatedly told them to stop calling and they refuse and insult me.
Consumer complaint received 2016-07-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (GA)

I received a notice from XXXX that a new account has been added. A company called transworld systems has put a XXXX debt on my credit. I 've never heard of them. I called them and informed them the debt was not mine. This company has NEVER contacted me in any way. On my report it says this account was opened in XXXX 2016. The listed creditor is not on my credit report anywhere. This debt is not mine.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

EXPERIAN CREDIT BUREAU - I am unable to dispute incorrect personal information online with Experian Credit Bureau. I have spent many hours and have been denied access to the option for online disputes. The website provides a phone number and after calling multiple times, unable to reach a customer service person. 
- This has been a frustrating experience to say the least. I am unable to find out if my personal information was used to open a fraudulent credit account.
Consumer complaint received 2016-07-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (FL)

I purchased a vehicle from Drivetime, They gave me a high interest rate but I was ok with it considering my credit rating. After driving the car for 3 years and bettering my credit I traded it in. The dealer that I traded to took awhile to send the payoff so my account was marked with my first late payment. I contacted Drivetime and explained the situation to them, They agreed to remove the late payment as a courtesy and I thank them for that. Fast forward a couple months and Drivetime is now XXXX, now the late payment is again reflecting on my credit report. I have contacted Drivetime again and even filed a XXXX compalaint just to be told that there is nothing they can do, which is XXXX because it was done before. I worked so hard to get my credit back into shape without filing bankruptcy just to have this single late payment ruin my credit again.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

I called into my mortgage servicing company Ocwen Loan Service LLC as I usually do on my Friday ( my payday ) or Monday ( if there is carryover ) to pay the monthly amount due. I admit to behind on my payments, but pay the set amount monthly amount as to avoid foreclosure. I go through the automated system to avoid their incompetence, rudeness and lengthy processes which can easily eat up my entire lunch break. On Friday XXXX XXXX I made my monthly payment of {$600.00}. Not only did Ocwen drag their feet with processing that payment but 4 days later on Tuesday XXXX XXXX, they went into my account and withdrew additional funds WITHOUT my consent! I found this out when I made this month 's payment of {$600.00} and found an anonomous charge mentioned on their automated payment history breakdown. I called the company and inquired and was told that Ocwen took this amount out for an inspection charge where they have someone come by my property and make sure I am still a resident. Ocwen has a policy that before any late fees or additional charges accumulated can be paid off the initial back payments of monthly mortgage amounts due must be paid off first! Any amount that exceeds the {$600.00} will be held in " limbo '' and applied AFTER the back payments are made and not applied to the debt itself. Therefore Ocwen VIOLATED IT 'S OWN COMPANY POLICY! There is NOTHING on their website or paperwork stating that they can just pull money from my account for this purpose. I NEVER gave them authorization to pull this amount from my account! I RECORD EVER CALL I MAKE TO OCWEN WHETHER IT BE WITH A REPRESENTATIVE OR WHEN GOING THROUGH THE AUTOMATED SYSTEM MAKING PAYMENTS! I ARCHIVE ALL THESE MESSAGES. Ocwen WILL HAVE NO PHONE CALL on XXXX XXXX from me AT ALL! They went into my account ILLEGALLY! I have evidence NOT just of this but I caught them in past lies and the representative was warned and hung up on me when I revealed that they had lied! The amount was small but it 's the principle I am more than willing to FIGHT FOR! I alerted them yesterday that I will be filing a complaint and that I RECORD ALL THEIR EXCHANGES!!!!
Consumer complaint received 2016-07-26
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (MO)

{$380000.00} paid to Indymac/Ocwen to pay off XXXX balance. 
You may refund the remaining escrow and remove the second extinguished I will NOT pay you or the next servicer for the duplex and {$110000.00} escrow XXXX XXXX stole from me. You need to refund the {$150000.00} XXXX XXXX XXXX did NOT give to me and the I do not owe. ( {$310000.00}. ) They need to refund the payments I made to prepaid credits. And reinstate the remaining prepaid credit that was stolen. ( Especially any money used to {$67000.00} escrow to my duplex. ) And I did not owe any one the money I paid to XXXX.
Consumer complaint received 2016-07-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AZ)

When I originally received a loan modification about 5 years ago they told me it was a 30 year fixed step loan that would eventually cap off at 5 %. They are now telling me it is an interest only loan and that it will amoratize in 2019 and the payment will increase by about {$500.00}. The documentation attached clearly states that the loan type is a fixed rate and it also states that the payment amount is principal AND interest, not interest only. 
My modification was not thru HAMP but was one of GMAC 's in house modification products. The loan has since been acquired by Ocwen and I have tried to modify several times, as I want a fixed rate loan that is not going to amoratize. Ocwen has turned me down because I either make too much ( not taking into consideration my amount of debt ) or that I make too little due to my debt to income.