davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BBVA FINANCIAL CORPORATION (FL)

BBVA Compass Bank allowed someone to open a XXXX debit card in my name, via on-line. I received the card in the mail with only my e-mail incorrect as I would have received something of a thank you for doing business with them which would have alerted me to stop use of the card right away. 
When asking BBVA for verification of identity information provided to this bank, proving they were me, I was told they did not provide that information to anyone. Soooo, someone else can get a debit easily and fraudulently but the victim has no rights. Got it!!!! However on my SECOND call, ( in the US this  time ) I was sent a fraud packet to complete. Problem ... .the information they asked for was everything but blood type which, if not legit, would give these people access to EVERYTHING. I do n't think so!!! They did stop the use of my card right away by putting a hold on it ; not sure if that means the card goes away. I believe not so I am using this government agency to stop this completely and with the addition of security of my information.
Consumer complaint received 2024-11-06
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. (MD)

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 2017-10-30
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 — Was not notified of investigation status or results
Company: I.C. System, Inc. (SC)

I sent a debt validation letter to IC Systems via certified mail. It was signed for on XX/XX/XXXX. They have not responded to me at all, but reported to the credit bureaus on XX/XX/XXXX. There is supposed to be time for me to validate all accounts before being reported within 30days
Consumer complaint received 2017-10-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Filed dispute with Experian on XXXX, XXXX & XXXX. The nature of my dispute was requesting contract with my authentic signature that started alleged debts. 
As of today, have not heard back from Experian.
Consumer complaint received 2017-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (CA)

I opened a new checking account in XXXX with BMO 's  promotion for a {$200.00} account sign up if you had two direct deposits within the first 90 days. The terms specifically listed that the direct deposit included government payments. I went out on XXXX XXXX in XXXX and started receiving XXXX payments from the state of california. These are processed electronically through XXXX XXXX XXXX as they are loaded onto a debit card. You can then direct deposit ( the website specifically shows this term ) into your checking account online. After receiving benefits I direct deposited the amounts to both my new BMO account and my older XXXX XXXX account. On my XXXX XXXX account it shows up as a direct deposit for the category type. For BMO they are telling me it is a fund transfer and I am therefore not eligible for the account promotion, despite them listing government payments as a valid direct deposit. After much interaction with their customer service online I have not been helped.
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. (GA)

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 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2017-10-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I was approved for a short sale with my second mortgage lender USAA on XXXX/XXXX/XXXX and have proof of my lenders approval and a XXXX closing statement showing that i was the seller. However, I have proof that XXXX is reporting this and it is showing up as a foreclosure on my credit report under XXXX. I also understand that the " Date Reported '' can appear more recent due to attempts to get my short sale credit correctly coded. This error in credit code and date has impacted my ability to get a new conventional mortgage after my XXXX month wait time frame. It is causing me to not be able to purchase this new home.
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. (FL)

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 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX, XXXX & XXXX. I previously sent a dispute letter requesting the removal for these account charge-offs based on the 1099-C forms I received, which indicates that the debts was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within t

he 30-day period allowed by law. Thank you for your attention to thi
s matter.
Consumer complaint received 2024-11-07
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2017-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX of the credit bureaus have taken over 30 days to respond to me about investigations that I requested. I sent the request on XXXX XXXX, and have yet to receive a response.
Consumer complaint received 2017-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I was offered a promotion and given opportunity to pay within 6 months without interest. I deliberately paid my balance down to XXXX from a XXXX credit limit so that my balance would not yield such a high interest prior to the 6 month period. I paid {$130.00} for the month of XXXX but when I received the XXXX statement the XXXX payment was entirely used for interest. I contacted the company and they said that this would be the approximate amount that I would pay on a monthly basis. So my response was " are you saying that t am paying this amount every month '' and she responded yes but offered an option to pay at least {$400.00} in a few days to avoid these continuous charges if I wanted out of this. I could not believe what I was hearing. I did not want to make payments because it would never pay the principle as long as I used this card. They continued to call me repeatedly meaning at least 5x a day. I took the call and was making an arrangement with them and there was a disconnect. I called at least five times to make some sort of payment consideration to of no avail speaking to a supervisor which offered no solution. They closed my account even though I was willing to pay the past due amount. They agreed that a representative mislead me. Now this communication has caused serious delinquency and credit reporting issues. The misleading phone call was on XXXX XXXX, XXXX. I also have tried to make contact with Synchrony corporate offices regarding this matter and credit card customer service said there is no number.
Consumer complaint received 2017-10-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TX)

XXXX and I had a legal dispute regarding their violation of the contract, plus their Deferred Prosecution Agreement in XXXX for Money Laundering, asset forfeiture, {$1.00} Billions with the XXXX. 
In XX/XX/XXXXa point of sale to XXXX XXXX XXXX XXXX was to take ownership and Caliber Home Loans IncXXXX was the new servicers. However, I received many notices about assignments and servicers for months. I was instructed to pay Caliber Home Loans, Inc.XX/XX/XXXX and XXXX was the new owner. 

I did not pay because they did not respond to the contract violation and asset forfeiture which should have included my homestead protected property. I was not convinced they owned the property because the real estate recording instruments did not reflect the change in XXXX per the correspondence. I received many threats to foreclose and I said prove you are the owner and XXXX transition to that ownership. So I did not pay any money to acknowledge a contract from XXXX. 
XXXX XXXX XXXX XXXX and Caliber Home Loans Inc. assigned my homestead property to XXXX XXXX XXXX  XXXX, XXXX. in XX/XX/XXXX. I was served a Foreclosure ( Expedited ) Citation to appear inXX/XX/XXXX 

I tried to explain to the Judge that I did not have a contract with the person who assigned my property XXXX XXXX XXXX  XXXX and the Attorney representing all three entities were the same. My XXXX XXXX. XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXXXX/XX/XXXX AT XXXX. 

I really need some help. I have the information to prove the wrong transfer and assignment and financial the FDCPA alleged cause of foreclosure is not a contract with me since XXXX XXXX XXXX XXXX, Trustee is among the Petitioners. The amount to cure the loan is {$5600.00} for 8 months default. Plus they have added {$40000.00} as deferred interest. 

XXXX has forfeited my asset and XXXX stole my identity to transfer it to XXXX XXXX XXXX, XXXX. This is an intentional predatory loan scheme. The elements to commit a Real Estate Fraud Transaction, Negligence, and Negligent Misrepresentation are all met in the state of Texas. I can not present this because I have a concussion which has some impairments. 

PLEASE CALL ME XXXX ASAP. I do not want to loose my home because I can not present this case. I will pay a lawyer to do so who is a good litigator.
Consumer complaint received 2017-10-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Below I have copied an email that I sent ( on XX/XX/XXXX ) to XXXX XXXX with Bank of America. I received a response the same day saying that they would look at this matter. And, the gentleman said he has had cases like this that they were able to refinance. The following day however he contacted me and said he took it to their board and they can not refinance. ++++ Dear XXXX XXXX, I spoke to a gentleman in the mortgage department in regards to refinancing my property which I bought in XXXX. He informed me that the policy has been changed and Bank of America will no longer work with condo hotels. 

I understand that there are policy changes and that you will no longer accept applications for condo hotels, however Bank of America has had my mortgage for 12 years. Whatever the policy change the fact is that you already have my mortgage and I have been a customer of yours for that time. 

You can not change the policy and negate working with you current customers. Everybody else is taking advantage of low rates but not if they are with Bank of America because they changed the policy?? 

My property is in XXXX XXXX. It is now doing {$130000.00} in annual rental income and has over {$600000.00} in equity. When I originally requested financing with Bank of America it did not occur to me that Bank of America would change the policy about condo hotel mortgage re-financing. 

Again, let me state you already have my mortgage and no funds are to be issued. All I ask is to refinance the note for a longer term. 

I appreciate your time and effort to help with this matter.
Consumer complaint received 2017-10-30
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: BANCO POPULAR DE PUERTO RICO (NC)

XXXX of 2017 the following companys released loans to someone using my identity and social security number with out my consent XXXX XXXX XXXX vehicle lease or loan XXXX XXXX a vehicle lease or loan XXXX XXXX A vehicle lease or XXXX XXXX XXXX savings and loan a vehicle lease or loan I do not have any of these merchandises and this is on my credit reporting as having recieved. Effecting my credit.
Consumer complaint received 2017-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

Received original letter from XXXX XXXX, about a {$33.00} debt from XXXX under my name on FL, after contacting collector I identified it was the result of identity theft. 

Contacted the police and informed XXXX XXXX, submitting copies of Police Report, this was XXXX XXXX XXXX ; in XXXX XXXX I received a new letter from XXXX XXXX regarding the same issue - I quickly submitted same paperwork to them and formally asked the debt to stop being sold to new collectors - and to my surprise I just got a letter last week from IC Systems, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX about the same debt. 

It is clearly a case of identity theft, after I submit the paperwork thXXXX collectors never contact me again but they kept selling my debt/information. I just want this to stop. 

At this point I 'm not looking for legal reparations, but will if this practice does not cease. Please help me stop this non-sense. 

thx XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CO)

In XXXX, my federal Student loan amount was XXXX Capitalization occurred with brought my balance to {$49000.00} an increase of {$5900.00}. 
My other loan had a balance of $ XXXX after Capitalization, the amount went to $ XXXX increasing by {$2300.00}. 
Both of my loans in XXXX had a combined amount of {$54000.00}. I was on a payment program at this time with my previous loan servicer. 
In XXXX my student loans were transferred without my permission or knowledge to Mohela and Mohela immediately added almost {$10000.00} to my balance. 
From XXXX XXXX, Mohela put me in 5 forbearance which I did not request or sign for, in fact, the last forbearance in XXXX I specifically told them that I did not want a forbearance to switch to a different payment plan, and I was told that if made an extra payment that I would not have to have a forbearance. I made the extra payment, but they put a forbearance on my account anyway and added {$28000.00} to my balance. I have been in a payment plan and making payments since I was forcibly switched to Mohelia. I called them to discuss it and they told me I shouldnt worry about it because in 20 years, it would be forgiven. 
The reason I switched payment plans in XXXX was because they told me I would have a lower payment and I would have loan forgiveness in 20 years instead of 25 years. They now tell me I dont qualify for that 20  year program. I think they just enticed me to switch so they could add over {$28000.00} to my balance. They did not tell me that they would be doing this or that switching payment plans would result in me owning almost {$30000.00} more. 
According to Mohela, I now owe them XXXX XXXX XXXX which I dont feel Ill ever be able to pay off. They have effectively ruined my credit with all of their forced forbearances and added capitalization. Nobody will lend me money now I cant buy a car or a home, even though my credit was nearly perfect before this. 
I thought the whole idea behind payment plans was to help people with their student loans who couldnt afford regular payments. My college education ( I graduated in XXXX ) which originally started at less than {$50000.00} has now almost doubled because of this. I need help!
Consumer complaint received 2024-11-06
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-06
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. (KS)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2017-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I called Trans Union on three occasions about hard inquiries on my report. There were 59 of them in a 6 month span, and I advised them that I may have had only five of  them. I alerted them that someone may have gotten a hold of my info and were attempting to open credit in my name. They refused to remove any of them and advised me to contact all sixty of the hard inquiries and attempt to " work something out '' with them. Is there anything I can do at this point.