davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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. (TX)

I am writing to formally dispute the reporting of a charge-off on my credit report. According to the information provided by XXXX XXXX under account number XXXX this account was reported as a charge-off. However, I have not received a 1099-C form from the creditor indicating the cancellation of debt, which is required under IRS regulations when a debt is discharged.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incomplete or inaccurate. I am requesting that you investigate this matter in compliance with 15 U.S.C. 1681i of the FCRA, which mandates reinvestigation of disputes, and that you remove this charge-off from my credit report if the creditor can not substantiate this entry with proper documentation, including a 1099-C form as required by IRS guidelines. 

Additionally, per the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), if a debt is reported as a charge-off, it should be verifiable. Given that I have not received a 1099-C form, there is no verification of the debt being canceled or discharged. Reporting this account as a charge-off without supporting documentation violates these regulations.

Please investigate this account and remove the charge-off notation if the creditor can not validate its accuracy. I have attached a copy of my identification and recent utility bill to verify my identity.

Thank you for your attention to this matter. I look forward to your prompt response to resolve this dispute.
Consumer complaint received 2024-10-30
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. (WI)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2019-04-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (GA)

I opened a savings account through chase.com back in XXXX. When opened online after clicking on promotion its immediately says as you begin application coupon automatically applied ... so in XXXX I wondered why I still had not received my {$150.00} promotion even after completing All task ... I contacted chase on XX/XX/XXXX they immediately said there was no coupon applied to my account upon opening ... I then went back to chase. Com and preceded as I was going to open new account same message coupon automatically applied. So I told rep this is a error on Chases side they opened a investigation I would hear something by the XX/XX/XXXX I didnt so I contacted them on the XX/XX/XXXXthey said I would hear something by the end of the day in which I didnt so again I reached out on the XX/XX/XXXX and they are still giving me run around saying the investigation is still in progress. So basically I opened a savings a count with chase with a balance of XXXX and they have held my money since XXXX and I have made XXXX in interest and now they are trying to XXXX me out of my {$150.00} after I did everything on my part I could have easily put my XXXX somewhere else and be growing interest at more then XXXX in 4 months
Consumer complaint received 2017-04-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

XXXX  of  XXXX   XXXX  approved a modification plan over the phone after ten months of applying and reapplying telling me the paperwork had not all shown up by fax. Only giving me the option to send by fax. I paid  five  modification payments  XXXX   XXXX - XXXX   XXXX  then received a letter telling me my I was disqualified for false reasons. Here is an article telling my true story of the mod from  XXXX .  XXXX  :  XXXX  Here is an article I helped write about the mod scam.   XXXX   XXXX     XXXX  This lead to my pro se case due to I could not find an attorney that would help me. The pro se case lead to me losing in an  XXXX  and losing my ability to protect my home from criminals trying to steal my home.  XXXX  ignoring the letter of FDCPA and the federal judge ignoring the same letter and all my pleas of help. Blocking my due process. I continued to send more FDCPA letters, RESPA QWR 's Homeowners Rights letters. Cease and Desist letters, TILA notices that were ignored.  XXXX   XXXX  and SPS sent  XXXX  to file judicial foreclosure in a non judicial state to skirt around my letters. Now I am in the Supreme court of Washington asking for review by my petition through an attorney. Blocked from most of my case being claimed and only being allowed to state no standing due to no evidence at the start of the case. No authentic note undated one copy no endorsement a second copy undated with endorsement. This has caused us extreme cost and extreme stress that I am surprised has not killed me. The judges ignor hearsay evidence in the lower courts and accept false affidavits and false notes with false assignments taking away our due process to protect our home. The courts have become collection agencies for crooks with no proof of being the lender or having authority to collect the alleged debt after pulling a criminal act of modification fraud on us. We are in danger of losing our home of ov er thirty five ye ars to crooked criminals. By affidavits by crooked lying lawyers representing these crooks.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has no proof the loan was deposited into the trust in  XXXX . Has not filed a copy of the PSA and claims to have actually committed securities fraud by an assignment to a REMIC seven years after the closing of a trust never finished or deposited to. The fraud assignment is in  XXXX .    XXXX
Consumer complaint received 2017-04-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

I am the  XXXX  in this case. I already filed a complaint  XXXX / XXXX / XXXX  and not only has not been resolved but it is impossible to communicate with them once I enter the loan number. They sent a new application to the borrower ( FHA case that got a TPP with  XXXX  at the end of last year/first payment made/ XXXX  closed case in  XXXX / XXXX / XXXX  ) that I am about to submit and fax did n't go through ( twice ), I tried to called to confirm the fax number, three times and was put on hold by the system aroun d 15  minutes each time and nobody answered.  XXXX   XXXX , (  XXXX  )   XXXX     manager  of this account is never available, nor backup agent so, I finally left a message to  XXXX   XXXX  from the advocate team, (  XXXX   )   XXXX .   I am sending FHA  XXXX  agreement sent by consumer befor e HAMP expired.  XXXX   sold the loan on  XXXX   XXXX   XXXX  BayView  should  honor the agreement
Consumer complaint received 2018-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

This is the 2nd complaint regarding this illegal situation. Citibank has placed a block on our Living Trust account, negligently again without formal communication from them. Also from my last complaint, Citibank submitted documents showing that they sent the documents request to an address where we haven't lived since XX/XX/XXXX but yet current statements reflect our correct address. Since my last complaint, I received a phone call from a XXXX XXXX from the XXXX XXXX XXXX XXXX Branch in XXXX XXXX XXXX. She asked me to fill out the documentation that was requested from me by their Know Your Customer Department ( " XXXX '' ), which I did and submitted directly to her on XX/XX/XXXX via email. The matter was supposed to be resolved. 

XX/XX/XXXX - My wife attempted to make a transaction using her Citibank debit card. The transaction was denied. She called me and asked me to find out why her transaction was denied. I called and spoke with a representative who then confirmed that the account was blocked by XXXX. They then transferred me to them and after an half an hour hold time, they informed me that they haven't received the documents that I submitted to XXXX XXXX. I informed them that I submitted those documents, as per their instructions, to XXXX XXXX in late XX/XX/XXXX. I asked them to remove the block and they informed me that they couldn't remove it until they receive those documents. Shortly after, I called the branch to where I was transferred back to their regular customer service number and then I was able to speak with XXXX XXXX. I informed her that XXXX has blocked the account again because they haven't received the documents I submitted to her. She confirmed to me that she submitted documents. I asked her twice, via email, for an update and the last communication was that someone in XXXX has confirmed that they have the documents and are working on removing the block. 

XX/XX/XXXX - My distraught wife called and spoke with a Citibank Customer Service to ask for the status of our account and if the block was removed. The block wasn't removed and she was transferred to XXXX who claimed that they don't have the documents which is contrary to what XXXX XXXX reported to me. This is crippling us and has put us in an embarrassing situation where we have to ask family and neighbors for financial help because of their negligence.
Consumer complaint received 2017-04-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Performant Financial Corporation (CA)

My wages are being garnished  by Diversified Collection Services Inc. They g ive me a number to call  XXXX , that number tells me to call the  XXXX .  XXXX  tells me to cal  XXXX  and we go in an endless loop. Before my wages were garnished I was never told how much I owe, nor how to get a copy of records relating to the loan, nor how to enter into a voluntary repayment schedule, norhow to request a hearing on the proposed garnishment. My balance has seemingly gone up, even though my wages have been garnished going on 7 YEARS. I just want to know if my balance is going down or how much interest I owe. ANY information at all would be wonderful, but I get nothing. Please help me.
Consumer complaint received 2024-10-30
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)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2017-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SUNTRUST BANKS, INC. (CA)

On  XXXX , I signed a contract with  XXXX   XXXX   XXXX   ,   XXXX , to have my home painted with  XXXX . Shortly after the work was completed I received notice that the loan had been sold to   XXXX   XXXX  , a program of SunTrust Bank, a Georgia banking corp., in  XXXX , Georgia. My minimum monthly payment on loan #  XXXX   XXXX   XXXX   XXXX , was set at {$130.00}. Nearly every month I made payments of {$150.00}, but some months I paid double that amount, {$300.00}. In  XXXX ,  ( o r possibly sooner, not sure ), I started receiving notices by mail as well as phone calls that I was behind in my payments. I tried asking the callers how I could be behind when I was making payments that were in excess of the minimum due and was therefore, in reality, ahead of schedule. I was never given an answer. The only response from them was, " When are you going to pay. '' After several rounds of this I quit answering the phone calls. I continued to make 'extra payments but no matter how much I paid ahead, the calls and notices continued. In  XXXX , I sent a letter to  XXXX  outlining the payments I had made vs. the minimum amount due and showing the amount that I was ahead by. I have never been given the courtesy of a response. It should be noted that it was a long time before I started receiving a monthly statement. The first one I find in my file is for  XXXX . In  XXXX , I sent a second letter to  XXXX  with a {$500.00} payment. In that letter I reiterated the info and facts of the first letter as well as a request of credit for all late fees and charges I have made by their errors as well as a payoff amount for the loan. As of this date, I have received no response to either of my letters. I received a debt collection letter dated  XXXX , that states that I am behind {$260.00}. There is no credited acknowledgement of the above indicated payment of {$500.00}. On their paperwork they have indicated, " There is no prepayment penalty. '' Yet it is clear to me that I am being penalized for doing just that. I am at a complete loss as to how to have this problem rectified, thus I am contacting you because I want to pay off this loan. I want to pay what I owe but nothing more than that. Thank you for your time, interest and assistance in resolving this matter!                    XXXX
Consumer complaint received 2019-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HOVG, LLC (NH)

Hello, Please i will like to file a dispute to remove a fraudulent collections account added to my credit report. This debt does not exist and i believe its a situation of identity theft, I have tirelessly been trying to contact the company about this but they have no paper proof of a debt i owed plus they were trying to have me meet up with their agent somewhere to pay off a debt i did not owe. 

Information of the collections company is below, XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX Collections Account XXXX : XX/XX/2018 Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Remarks : Medical I hope you will please do something about this and help me remove this fraud company from my report.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is a follow up from the original complaint where TransUnion did not complete it's performance in accordance to the FTC Report # XXXX. Please complete performance noted in report which include the following companies... 
This fraudulent, inaccurate, and false information consists of a personal credit card account from XXXX XXXX under the account number XXXX, a credit card from XXXX XXXX XXXX BANK - account number unknown in the amount of {$6000.00}, and an account from XXXX XXXX XXXX XXXX XXXX - account number unknown IN THE AMOUNT OF {$650.00}. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANS UNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

1. I have XXXX inquires from capital one on my credit report and I only applied once. I have disputed the inquires with the reporting agencies and they say they are legit. They are not. I had a freeze on my account until last year I removed it and started cleaning my credit and did n't apply for anything until XXXX 2016. So to rebuild my credit I applied for a capital one card and was denied but the reasons in the denial letter are incorrect. 1. it says based on your credit report from XXXX, there are too many delinquent past or present credit obligations. ( the only thing on XXXX is my car never missed a payment a collection from comcast that has been disputed and removed from all the other agencies but XXXX. and XXXX paid tax liens from years ago that I have asked many times to be removed they are paid and released. 2. Based on your credit report from XXXX, number of delinquent past or present credit obligations. Again all that is on transunion is my car never missed a payment and the XXXX paid released tax liens Nothing else. 
3. based on your credit report XXXX, number of collection accounts. there is XXXX that is in dispute and was found not mine by the other XXXX reporting agencies but XXXX refuses to remove. 
4.based on your credit report from XXXX, your credit bureau report has missing information about an account or accounts. ( I do n't understand this at all I check it every day and everything is there. 
If your going to deny the credit at least get the information correct. and stop auto inquiring my account. because the inquires are killing my score. 
XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2016-08-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (ME)

On XXXX XXXX, 2016, I received mail from Midland Funding LLC about an alleged debt owned. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/2016 ; received XXXX/XXXX/2016 ] a request to Midland Funding LLC to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. 

Midland Funding LLC has contravened its 809 ( b ) statutory requirement to sufficiently validate the debt.
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I obtained a Mortgage through XXXX XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX a Mortgage was obtained through XXXX XXXX. The XXXX XXXX was used to refinance the XXXX XXXX. I have since paid the XXXX XXXX in full. According the XXXX Count Clerk of Court Official records a mortgage satisfaction from XXXX was never recorded. Bank of America is the current owner of XXXX XXXX. Title merger history for XXXX XXXX is as follows : 1. XXXX XXXX was bought by XXXX XXXX XXXX in XXXX. 
2. XXXX XXXX was bought by XXXX XXXX in XXXX. 
3. XXXX XXXX was bought by Bank of America in XXXX.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a quarantee that my consumer rights will be respected moving forward
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX and i see XXXX which i have never used. I also see an adress on file which its never been mine and i dont know about. XXXX ny thus is an adress i have never had. Need to know whats going o
Consumer complaint received 2024-10-27
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. (AZ)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2017-04-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

Creditor Contact Details :  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  (  XXXX  )  XXXX  Reporting to credit  X/XX/17    Negative impact to my credit by  XXXX   XXXX   XXXX .       I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts   XX/2017 ,  no response recieved.       CREDIT COLLECTION SERVIC  XXXX   XXXX   XXXX   XXXX , MA  XXXX  (  XXXX  )  XXXX  Reporting to credit  X/XX/2017    Negative impact to my credit by credit collection services.       I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts   XX/2017 , n o valid response recieved.