davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

XXXX   XXXX   XXXX  is a victim of mortgage fraud by and through the   XXXX   XXXX   XXXX    a nd  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   or an agent thereof, has committed, to include but not limited to the following criminal offenses of identity theft, forgery and fraud against,  XXXX , the state of Georgia, and    XXXX    County,  by cr afting, creating and forging, a fictitious loan security deed & note. Unbeknownst to  XXXX , her mortgage was transferred and thereby illegally stealing her ownership of the deed of the property, located at  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . I have the utmost confidence that our investigations team will prove all of the elements of an insider s Financial Fraud for  profit scheme that plagued  America i n recent past.     A criminal report of the alleged crimes are in the process of being investigated by  XXXX  Police Department Case #  XXXX . A Fraud Report has been reported to The  Georgia  Department  of Banking and Finance an d also with the  District Attorneys Office hav ing jurisdiction where the property is located. Additional complaints and report of Financial mortgage fraud are pending as of the date of this most recent CFPB complaint.     In conclusion, the alleged Trustee,   XXXX   XXXX   XXXX   XXXX   XXXX  , AS TRUSTEE FOR THE CERTIFICATE HOLDER OF   XXXX  IN. , ALTERNATIVE LOAN TRUST  XXXX , MORTGAGE PASS-THROUGH CERTIFICATES, SERIES  XXXX   XXXX   XXXX  -  XXXX ,   XXXX   XXXX    XXXX  NY  XXXX  is also fictitiously created. Bayview in its letter dated     XX/XX/XXXX    , provided a contact # for the alleged Trustee as (  XXXX  ). This number is actually for the promotional department of the  XXXX   XXXX  not the alleged Trustee . (  Case law is attached to show proof that ) please see attachments identified as (   XXXX  -AS-TRUSTEE-vs.- XXXX -Pages-from-the-AFFIDAVIT-OF- XXXX .pdf ) No interest can be transfered if  XXXX   XXXX   XXXX   XXXX  nor  XXXX  dba  XXXX   XXXX   XXXX   XXXX  nev er had  any interest to transfer in the said property because it was NEVER a corporation in  NEW YORK as   indicated o n the Security Note  and Deed. Because,   XXXX   XXXX   XXXX   XXXX   has been proven to NOT be a corporation, incoporated in the state o f New York, Th e alleged lender was never licensed or registered to do business as a mortgage lender or broker offering residential loans in the state of Georgia, in   XX/XX/XXXX .  Therefore,  XXXX   XXXX   XXXX   XXXX ,  XXXX  nor   XXXX   XXXX   XXXX  , can not prove any legitimately conceivable interest that could be assign to any said such  Trustee    XXXX   XXXX   XXXX   XXXX   XXXX  , as decided as a matter of  XXXX   XXXX  ( See attachment titled District Courts of Appeals .... )
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (DE)

I made my XXXX XXXX mortgage payment on XXXX/XXXX/XXXX over the phone with a live representative, she waived the additional fee for making a " just in time '' payment and provided me a confirmation number ( XXXX ). In trying to refinance my mortgage recently, I discovered that my XXXX payment was reported as 30 days late. I called customer service to find out why and I was told by the representative that my payment was not processed until the XXXX XXXX. I informed him that my payment was made on XXXX and the representative assured me that it would be posted on XXXX and that was what my confirmation number was for. The representative on XXXX/XXXX/XXXX told me that the bottom line is my payment is 30 days late because they did n't process it until XXXX XXXX and that was the bottom line. He then refused to speak to me further because of an old notice from XXXX where I had an attorney representation and because of a cease and desist letter from then constantly calling. I explained that I wanted this matter resolved ASAP and that I wanted him to explain what was the purpose of them providing a confirmation number if he ca n't look in the system to confirm their own number.
Consumer complaint received 2024-10-11
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-11
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 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 2024-10-11
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my bank records, the payment was made before the due date. I have attached payment confirmation and bank statements for your reference. 
Clerical Error in Reporting : There seems to be an inconsistency in the payment date reported versus the actual payment date. My records show no outstanding payments during the reported period.

Account Closed Before the Reported Late Payment : This account was closed and paid in full prior to the date the late payment was recorded. Documents showing the closure and final balance are attached. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

My credit card at Costco was switched from XXXX XXXX to Citibank. I did not receive any notice in the change of credit terms. 

After the first cycle with Citibank, my minimum payment went from {$450.00}, to over {$3900.00}. I had put no additional charges on the card. Citibank explains that they require immediate payment of all sums over the credit limit ( which XXXX XXXX did not ). I have objected to the change in credit terms, within 30 days of the transition, but Citibank did not close my account or correct the required minimum payment.
Consumer complaint received 2024-10-03
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. (MI)

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify credit reporting agency to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXXXXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX XXXX XXXXXXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-11
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)

This is really worrisome, my credit report has items that have resulted from fraud which I never benefitted from. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2024-10-11
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 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 2024-10-11
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)

Subject : Request for Investigation of Inaccurate Information on Credit Reports I am writing to formally request an investigation into inaccurate information that has been reported by the credit bureaus on my credit report. Despite my efforts to resolve the errors directly with the credit reporting agencies, the incorrect information remains, impacting my credit standing unfairly.

The balances according to a BOA letter, account statuses, and dates reported by the three credit bureaus differ. All accounts should be consistent on my credit report, but they are not. As stated in the FCRA, Section 611 ( 5 ) ( A ), they are required to promptly remove any inaccurate, incomplete, or unverifiable information from my credit report.
Consumer complaint received 2016-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc. (MO)

I am the the trustee and my brother XXXX XXXX XXXX XXXX. He gets XXXX a month to live on so, any other bills have to go through me, the trustee. My brother was sued by Professional Finances. I contacted them. First time I called on XXXX/XXXX/2016 I was told that case # XXXX was for XXXX bills but was n't told who, what, or why and it was for XXXX but, they would take XXXX. Then I was told there were XXXX more cases, totaling XXXX but they would take XXXX. I told them XXXX case for XXXX was already ( 10 days would be 4 years ). They said they could n't sue but lead me to believe they could still go after it.not according to nevada law NRS 11.190 ( 2 ) ( a ). I was told that they would take the XXXX on the XXXX cases and I could offer a settlement on the the others. I called back and was told I could make a settlement offer on all of the cases. I called back and made an offer. I was then told that the XXXX that was agreed to earlier was now XXXX and the the other XXXX cases were XXXX ( past 4 years on XXXX ), XXXX, XXXX for XXXX. They said they would take XXXX on it all well XXXX + XXXX = XXXX. XXXX + XXXX ( orginal numbers ) then XXXX + ( -the too old XXXX ) XXXX. When I asked why was I getting different number every time I called I was told it was because I spoke to XXXX different people. How do numbers change? I was told we settled on XXXX then it changed to XXXX. I was told I could make a settlement offer on the XXXX other cases then I was told I could n't. I was nasty because I had to call them 6 times and speak to supervisor and supervisor 's supervisor to tell them my brother would n't be recorded giving me autherization to handle his case. So, my brother called the lawyer, gave the ok, and got around being taped. I called 3 times and got XXXX different numbers and told different things each time and told it was because I spoke to XXXX different people. I want an itemized and told a supervisor that and he said he could n't do that. Why ca n't I have that? I want the numbers justified and on paper. Why ca n't I have that? I was told I could make an settlement offer then I was told I could n't. We had a settlement in place with XXXX case and they changed it. How can they do that?
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one reported a payment I made through autopay system as late. the autopay was supposed to be set to " pay minimum '' due. The service although selected did not remit the payment of minimum due. Although the payment was made on time as scheduled the amount was incorrect due to their online site. I have never missed a payment and have a flawless history with them. They are completely able to remove this from my credit yet they are not doing so. Again my payment was on time as usual, but their system did not work correctly even after selecting minimum amount due and closing the site. This is unfair and not the way to treat a customer in good standing of 9 years. I want this removed immediately.
Consumer complaint received 2016-06-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: KEYCORP (FL)

I have contacted Key Bank uncountable occasions after discovering a the same one account listed three times on each of my credit reports. I informed them that I did not have a loan with them and they indicated I had one with XXXX XXXX. Well, XXXX owned up to saying that the loan is hers, which I attached the letter in which she sent on several occassions. Well, a XXXX XXXX XXXX indicated they would give liability to XXXX XXXX, my daughter if I could provide documentation with my signature from 2007 which I do not have. I think that is not practical for you to ask me for a signature from almost 10 years ago in which my signature is on the domicile, that I provided for you. The only thing that I can do is contact my mortgage company to see if they have it in their archive which is ridiculous. I understand that XXXX XXXX is doing her job but I think that I have more than proven I am not liable. As you know from when I first found out I have been back and forth with this organization and that is because I have no ownership in regards to this loan. Please, also know that this has played a massive impact on my relationship with my daughter, I should not have to be going through this. I know and understand that my daughter was extremely wrong in signing my name, but what this organization is taking me through, I am feeling victimized over and over. I have provided the letter from XXXX XXXX who is taking full responsibility. I have provided my domicile which has my signature and I was trying to demonstrate that during the origination of this loan, I lived at XXXX XXXX XXXX XXXX, XXXX, FL and then when I found out about it, I was living at XXXX XXXX XXXX XXXX, XXXX XXXX, FL, to demonstrate that I would n't have known anything about the loan. Between the XXXX address I have been residing in XXXX XXXX almost 20 years or more actually. I do not deserve to keep going through this. I am asking once again to please release me of liability.
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (CO)

My prior mortgage company sold my mortgage and did not give them my current contact information. I was not contacted. Since I have automatic withdrawl I assumed that the money was coming out. XX/XX/XXXX is when the transfer happened and because they did n't give the current contact information I did n't notice until the new mortgage company put a 60 day late payment on my credit score.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is really insulting, my right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what is being reported on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-10-11
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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-11
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.