davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

This is a complaint being filed after the denial of an assumption of a loan in XXXX as the " successors in interest ''. After the death of my father the borrower ( Estate of XXXX XXXX ) and my mother who died several years later ( XXXX ) was also denied assumptions of the mortgage. I'm now requesting assumption but was denied by all mortgage servicers, including Shellpoint. I was unable to have communication because I was not the borrower, but they had death and deed - right of tenancy of survivorship documentation. The also stated I needed to probate the property. In Florida XXXX, my father 's attorney provided the proper tool ( RECORDED DEED ) to avoid probate, especially due to my mother 's declining illness. 
All three servicers, XXXX, XXXX, and Shellpoint denied the opportunity for assumption of the loan as " successor in interest ''. It been over three years and I have not been able to be placed on the mortgage to receive loss mitigation opportunities to remain in the home even after two hurricane disasters -- Matthew and Irma. My RESPA and TILA have been violated. I have reached out to XXXX XXXX and have a case that is currently under review ( XXXX ) ; however, Shellpoint has a sale date for XX/XX/XXXX, that needs to be removed and forwarded in writing. I'm being dual tracked by all involved and forcing me to spend revenue on legal advise when it not necessary especially during the holiday season. 

The numbers in regards to the payoff of the mortgage are questionable. Huge questions in regards to legal fees, late fees, PMI, and predatory lending to the elderly. I have asked for a overview of the loans, " mortgage notes '' by all mortgage holders from the inception of the XXXX mortgage in XXXX. My father was clear about succession of the property, the transferring of deed was recorded in XXXX, several years before his " DEATH ''. And the balloon mortgages with XXXX, XXXX, and Shellpoint needs auditing before assumption. While XXXX XXXX XXXX was the original attorney used to foreclose on the loan, there have been several law firms thrown at my fathers estate, and not one servicing agency was willing to communicate with me ; ultimately coming back to foreclose without speaking or meeting with me in court -- mediation, arbitration, etc. My due process as the successors in interest to the property has been violated and criminal. The XXXX XXXX XXXX changed its name after not so great reviews with their relationship with XXXX.
Consumer complaint received 2024-11-07
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. (MD)

On XX/XX/XXXX i sent an certified letter to Transuion credit bureau, asking them to investigate account # XXXX missing an inaccurate account on my credit report. I stated the FCRA section 605B, and they did not have my permission to display this inaccurate information on my report. I asked kindly for them to investigate the matter and there is no response. I have done the same for the other XXXX credit bureau and they have deleted this item off of my report.
Consumer complaint received 2024-11-04
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. (NY)

Recently Checking my credit report I noticed that I've been a Victim of Identity theft and found numerous credit Inquiries I have no Knowledge of here are the inquiries that I've found : 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 XXXXXXXX XX/XX/XXXX Transunion XXXX XXXX  XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX  XX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX I also Attached my Identity Theft report as well.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-11-07
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. (PA)

I am a victim of identity theft. Fraudulent account information with XXXX XXXX XXXX, XXXX is being furnished to the credit reporting agencies Trans Union, XXXX, and XXXX. I am seeking remedy for the information to be blocked and permanently deleted from my credit report and file within 4 business days as required under the FCRA. I have already completed and filed an identity theft report with the Federal Trade Commission. Please see attached.
Consumer complaint received 2024-11-04
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. (TX)

Unauthorized inquiries have been identified on my credit report under 15 USC 1681b ( c ) ( 2 ), harming my credit. Please delete all unauthorized hard inquiries. Thank you.
Consumer complaint received 2018-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Collections (CA)

I have received two letters from XXXX XXXX XXXX XXXX, Collections and Billing, XXXX   XXXX XXXX, XXXX, CA XXXX, phone number : XXXX claiming that my account remains seriously delinquent. 
They are claiming that the Creditor is XXXX XXXX XXXX ( they put an asterik next to the name ), my file number is : XXXX and my account number is : XXXX and that I owe {$790.00}. 
They have stated that if they do not receive the full balance within 10 days of this letter action may be brought against me without further notice. 
It says please make payments payable to XXXX - DO NOT SEND CASH. 
I have no idea what they are talking about but they are very persistent. 
Thank you in advance for your help on this matter.
Consumer complaint received 2024-11-07
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. (NC)

I am submitting this complaint against TransUnion LLC for failure to properly investigate and remove inaccurate information from my credit report as required by law. TransUnion has not adhered to the Fair Credit Reporting Act ( FCRA ) requirements for verifying or deleting items that can not be confirmed as accurate, thus breaching their responsibility to maintain an accurate report. 

I have identified several inaccuracies in my TransUnion report, and I requested a thorough investigation and deletion of the items listed below. Despite this request, TransUnion has failed to conduct the necessary due diligence or provide verification from the creditors. The items I identified and disputed are as follows : XXXX. **Incorrect Personal Information : ** - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX - Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - Incorrect Employer : XXXX XXXX XXXX. **Unverified Collection Account : ** - XXXX XXXX XXXX- Account Number : XXXX This account may have been obtained without a permissible purpose, as defined by 15 U.S.C. 1681b. If it can not be verified as having a legitimate purpose, I request its immediate removal.

3. **Inaccurate Account Balance : ** - XXXX XXXX XXXX- Account Number : XXXX As per 15 U.S.C. 1681e ( b ), TransUnion is obligated to ensure the maximum accuracy of information. The inaccurate balance reported here violates this standard.

I have given TransUnion sufficient time to address these concerns, yet they have failed to comply with my requests. Under 15 U.S.C. Sec. 1681i ( a ), they are required to investigate within 30 days and delete unverifiable items. TransUnions failure to do so constitutes a breach of my rights as a consumer.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX repeated requests. Second, Mr. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Mr. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX   Hence, Experian again went silent.
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northland Group Inc (FL)

Company was persistent and I told them to not call me anymore. Then one day, I received a call from my mother advising that she was informed about my debt from this debt collector. I do n't believe it was right to release this information, as they informed her about the amount I owed. This was my first issue with the debt collector. 

Then, in good faith I began to have scheduled payments taken out of my bank account every month with them in 2015, then one month I called in advance advising them that I had a new job and since I now would be working with the state, I would be paid monthy instead of biweekly and needed to have a payment date moved. They agreed. However, the amount was still taken out of my account and I received overdraft fees. 

I then, called and asked them to reverse this. And the debt collector said that I never had called. I find this to be unethical. I did everything I could to do the right thing. I had to call my bank and tell them that this was unauthorized.
Consumer complaint received 2018-01-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TX)

They do n't offer financing options for my financial situation. I think they look at income and do n't consider expenses. I am working 2 jobs just to pay my rent and they somehow think I can make about {$500.00} For 2 separate loans. My loans continues to be delinquent as I can not afford these paynents. This is a car payment and the interest keeps accumulating. I can not get ahead if I tried. I feel like I will dir with this debt. 

And it continues to affect my credit. I can not get a job making more money because in my industry companies pull your credit report. I feel stuck like a rat on a wheel.
Consumer complaint received 2024-01-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023 I was wrongfully billed by XXXX. I called XXXX right after the charge. They refused to credit me. I emailed them the same day and that didn't help either. I contacted Capital one for help. I called Capital one because I didn't have certain things that they asked for to progress the dispute. I told the guy that I didn't have certain things because this was a random unauthorized transaction. All I had was the email ( I still have ) I sent XXXX right after, explaining what happened and to cancel the transaction. The gentleman told me that it would do to send a letter and enclose the email proof. I did so but instead of reading the letter and helping me at all. Capital one rejected my dispute and sided with XXXX. This is so wrong I have been an XXXX customer to Capital one for many years.
Consumer complaint received 2024-11-04
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. (TN)

These credit card applications were applied for fraudulently on the dates listed below and are showing up as Hard Inquiries on my credit report. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-04
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. (IL)

identify you and your account. 
I am a victim of XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX- XXXX {$2100.00} opened XX/XX/XXXX XXXX XXXX XXXX  XXXX {$46.00} XX/XX/XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

See my previous complaints. I had asked to move my due date to the XXXX. They said it could take 2 business cycles. I logged on today to see if there were any updates. Now they claim there is no record of it. 
See the chat below : YouXXXX XXXX and also i thought they were changing the due date Do you want to also change the due date on your account? 
YouXXXX XXXX yeah i applied last month XXXX XXXX I see that, currently your account status is Past Due, so you wo n't be eligible for changing the due date on your account. 
YouXXXX XXXX they alredy put it in YouXXXX XXXX didnt they?

XXXX XXXX I see that the current due date on your account is the XXXX of every month.

YouXXXX XXXX and nothing about the request I made in XXXX?

XXXX XXXX No
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

JXXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.

Please manage your responsibilities accordingly.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BTH Management (OH)

I was viewing the details of my credit report and I saw that XXXX XXXX had some inaccurate account on my file that I don't recognize. I was looking at the FRCA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.
Consumer complaint received 2018-01-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (OH)

I have such a problem right now. I have been with this company for over 3 years, I fell late due to job loss. I filed a complaint with the better business bureau and was put on payment arrangements. I was told XX/XX/XXXX that everything was good. I continued to make my payments, I logged on XX/XX/XXXX to make my regular payment and the automated system says they ca n't find my account. I reached out the customer service department and was told that my account had been charged off, due to non payment. The last payment I made was XX/XX/XXXX. I want to make payments on this and had advised that many times. The company has offered me no help at this point, I never once got a letter or a phone call saying this was happening to me. The last phone conversation was with XXXX on XX/XX/XXXX, advising me that the charge off would not happen and then it did. I do n't feel like this company has done me fair at all. If you are going to charge off someone 's account then at least tell them, no email, no phone calls and no letters, the customer service person advised she thought someone tried to reach out to me on XX/XX/XXXX. But said there a lot of calls in XX/XX/XXXX, yes I know I made most of them while filing a BBB report.
Consumer complaint received 2024-11-07
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2018-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

There were 2 open accounts, 1 for around 2000 and 1 for XXXX, both accounts were same hospital visit. The hospital visit was due to getting physically attacked. Now I had and have medical, always have and XXXX is my insurance provider and I will have to call but i can get proof of that. Also why would they not have to cover only the small XXXX amount and not the 2000 amount when it was the same visit, im not even sure why the amounts were split up but regardless it was covered by my insurance and i should not have to pay that.
Consumer complaint received 2018-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

I have 2 fraudulent atm transactions on my Chase debit card. I filed a claim and it was denied. The reason they gave me is that the PIN was never entered incorrectly. What does that have to do with anything? So whoever stole my PIN number typed it in correctly. BIG DEAL!!! That has no bearing on my claim. They also they denied me because the account was open less than 30 days ago. Again, what does that have to do with the fact that my card and PIN was stolen? The third reason they said I was denied is that there are charges after the ones I disputed that I did not dispute. That is completely false. There are no charges after the 2 fraudulent ATM transactions in my dispute. There is an ATM charge from Chase but thats all. The 2 transactions in my dispute are both for {$500.00}. One is on XX/XX/XXXX and the other is on XX/XX/XXXX. There are no other transactions after that. If there were then I would dispute those as well. The only thing other than the fraudulent ATM transactions is the atm fees. They should be reimbursed as well. I cant believe a bank as big as Chase could have such a poorly executed fraud investigation. The transactions werent mine, so honor your zero liability policy!
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Subject : Dispute of Inaccurate Address Information on Consumer Report Dear Credit Reporting Agency I am writing to formally dispute and request the removal of inaccurate address information listed on my consumer credit report, as provided by your agency. My name is XXXX XXXX, and I am concerned about the accuracy of the information on my credit report. 
I recently obtained a copy of my credit report and found that it contains addresses that do not belong to me. The inaccurate addresses listed are : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is my right to ensure the accuracy and integrity of the information listed on my credit report. These addresses are not associated with me in any way, and their inclusion is misleading and erroneous. 
Enclosed with this letter, please find copies of my supporting documentation my Thank You XXXX XXXX