davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge off : XXXX XXXX LatePayment : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information Employers : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX , MA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

I was at a XXXX ATM PNC BANK XXXX XXXX XXXX XXXX, XXXX XXXX  between XXXX and XXXX on XX/XX/XXXX the atm didnt give me my XXXX XXXX I contacted PNC I contacted XXXX and even disputed with my bank. My bank denied the credit to my account they said they need more proof and I cant obtain the video footage from the XXXX because a crime has to be committed for the cops to view the tapes.
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (PA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-09-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (KY)

I received a letter from the Mortgage Banking Executive Office on XX/XX/XXXX, and at that time were in settlement negotiations with the attorneys on my case for JPMorgan Chase, which I have been in since XX/XX/XXXX or thereabouts when an Agent for Chase called and asked if I would do a deed in lieu of foreclosure. As Chase is represented by counsel I felt I needed to obtain authorization from their attorney to discuss this type of matter with them. At that point I contacted their attorney of record and she gave permission for me to discuss this with Chase. My divorce attorney sent and email to the attorney offering to settle the foreclosure action for a deed in lieu. The attorney for Chase sent back and email asking if XXXX XXXX would sign. My divorce attorney said yes on XX/XX/XXXX. We did not hear back from the attorney and on XX/XX/XXXX in a court hearing they moved for and were granted summary judgment against me. 
XXXX of the basic defenses in my case was that no loss-mitigation was ever offered to me. Pursuant to XXXX XXXX XXXX XXXX XXXX v. XXXX. XXXX failure to comply with loss mitigation procedures ( FHA in this case ) created a genuine issue of material fact that precluded foreclosure ( and impacted the foreclosing Plaintiff 's equitable standing ). In my case this is a XXXX loan and I have found guaranteed by XXXX XXXX, which means it was probably securitized in a XXXX pool. 
On XX/XX/XXXX Chase 's attorney informed me that they reason they did the summary judgment was " the investor denied the deed in lieu '' on XX/XX/XXXX. Throughout this entire court matter JPMorgan Chase has represented itself as the owner/servicer. I was unaware of any investor in this matter that had a legal right to deny loss mitigation or settlement. If this " investor '' is the true party in interest, why were n't they before the court in the foreclosure action? The investor was n't XXXX as I have spoken with them and I am in the process of filing a formal complaint with them to deny the guaranty on the loan and have my {$2900.00} that I paid for that loan refunded to me as the servicer for the loan did not follow loss-mitigation required by the XXXX laws, policies and procedures. Banks have a right to collect the amounts they owe, but they also have an obligation for good faith and fair dealing outside of and in court actions.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-03-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CL Holdings LLC (WA)

I keep getting letters for the past few years from different collection agencies on an account I closed 10 years ago. DOFD has been re-aged and I keep getting harassed. Current creditor is : Jefferson Capital Systems / XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX Nevada XXXX and Original Creditor is XXXX XXXX. 
I am also in the process of reporting them to the Federal Trade Commission ( FTC )
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (TX)

My credit report contains mistakes related to 15 USC 16c-2. The listed inquiries weren't approved by me, and they're harming my credit score. Kindly remove these unauthorized inquiries. I appreciate it!
Consumer complaint received 2016-02-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Pollack & Rosen, P.A. (FL)

I have XXXX private student loans that were sold to collection agency and I was paying thinking I was paying on both - then a received a letter from an attorney 's office wanting to collect. I called the agency that I was paying and they said I am only paying XXXX loan and the other loan was taken from their office and there is nothing they can do about it. 
What can I do - I tried calling the attorney 's office who is collecting on the loan but they never answer or call me back.
Consumer complaint received 2016-01-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Two years ago, XXXX 2014, my business and life partner of 19 years left me. He suffers XXXX and has for the last 5 years been unemployed. When he left I was left holding the bag on our debts and assets and trying to piece back together my finances and credit score. I have cashed out my retirement accounts, that I am allowed to before age XXXX XXXX and paid off over {$150000.00} in debts. Bank of America ( BofA ) settled with me on a home that I own in XXXX XXXX, VA and a rental property I own in XXXX, VA. Both of these properties have lines-of-credit associated with them. 
Both lines of credit are now closed and I have reached a settlement with BofA on both. I attach the XXXX letters for evidence. Note that neither letter indicates anything about a BofA policy of continuing to report the sums as delinquent. Neither of the folks with whom I settled the accounts mentioned that in our discussions. I do not think a reasonable person would have assumed that their credit report would continue to be ruined until the last payment on each of the lines of credit was made. 
During the process of getting my finances under control I was advised to take bankruptcy, I have not and do not plan to. I have worked diligently to repair my credit rating. I have been able to open XXXX charge accounts that I am current on to help rebuild my credit, my score has improved. However, BofA still shows that original balance on these XXXX lines of credit on my credit report. They also show the original amount as delinquent, even though we settled on a lesser amount and I have been making monthly payments as per the agreements since. I have contacted BofA twice to ask that they show these debts current, because they are. They have told me that it is against their policy since there is now guarantee I will make the payments. This strikes me odd - if I do n't make the payments then they should report that to the credit bureau, like any other debt. I contested the XXXX lines of credit showing up on my credit report with the credit reporting agency and still both amounts show up as delinquent. I would like the XXXX BofA credit lines to show as current and not delinquent on my credit report. 
My cell is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My office phone at the XXXX is : XXXX.
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

This agency ( Equifax ) has continued to report inaccurate information on my Credit File. They continue to report XXXX 90 days late payments of XXXX of my student loans serviced by XXXX XXXX. i have disputed this on numerous occasions but the agency claims they carried out a thorough investigation and found the reporting accurate. That is impossible. please review the attachments very carefully. I have never been late on these accounts, In the attachment you can see that i was never late in any of the prior months before and following months after the stated 90 days late payments. It is impossible for me to be 90 days late if i was never late in any prior months or months after the date claimed by these agency. I have called numerously to the bureau as well as the Company servicing the loans, despite all the evidences provided that shows that these company and Equifax continue to report inaccurate results on my report, they have refused to remove the late payments. This is a violation of the FCRA and by law they are required to remove both late payments on all the XXXX loans reported by XXXX immediately. I request this be removed from my file immediately. If this is not removed in the next 5 days, i will be forwardind all evidences to the Maryland State Attorney for further actions against Equifax for failure to comply with the FCRA. I will also take legal actions against Equifax and they will be liable for Defamation as a result of false reporting, which has prevented me from successfully obtaining a mortgage for my Home purchase for my family. Once again, review attachments carefully and delete both late payments on the XXXX loans immediately.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

I have disputed the ( XXXX ) Chapter XXXX several times, we only filed a Chapter XXXX that was discharged XXXX/XXXX/11. I have requested several times that they send me information on the XXXX Chapter XXXX that are on my reports, no response. I am attaching my chapter XXXX discharge papers on case # XXXX.
Consumer complaint received 2016-01-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am writing to you because I feel that I have been severely wronged by Wells Fargo. I had lost my job and was 2 months behind on my mortgage and doing my best not to miss another payment for fear of falling into foreclosure. I had also had to file bankruptcy due to my financial situation. One month I could not pay the mortgage until the XXXX of the month and the lender sent me a notice of pre-foreclosure and said they could not accept my payment because my file had fallen into pre-foreclosure. I tried for over a year to get the hardship assistance from Wells Fargo and they played constant games with me. They told me I had to be at least 3 months behind before they would review me for any assistance. They also kept switching customer relationship managers every month. I could never get the same person on the phone. Even though I sent paperwork multiple times they claimed they never received it. When I did get them to acknowledge that they received it, the next time I called in, the next rep would tell me they lost my paperwork. They also would tell me that certain documents were not received on time and made me apply and re-apply over and over again. Wells Fargo made this process very frustrating for me. I am a good person and believe in paying my debts, but the way Wells Fargo has treated me, I do n't think they want me to keep my home. I have a legitimate reason for hardship and my mortgage is 55 % of my gross monthly income. If Well Fargo would just do the right thing and lower my interest rate and payment from the 5.25 % adjustable loan I am in, then I would be able to afford my bills and the mortgage with money to spare. I think the real reason Wells Fargo is denying me is that they see that I have some equity in the home. From what I understand, this is not a valid reason to deny my hardship. I know that I meet all of the federal criteria. I just want to keep my home. Please help me get this resolved with Wells Fargo. I know they were fined a lot of money by the government last year specifically for playing the types of games they are playing with me, but I guess that fine was n't enough because they are still violating the agreement with the government. Please help me keep my home.
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (IL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-02-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Sortis Financial, Inc. (GA)

I had a Home Equity loan serviced by Clear Spring Loan Services. I filed a complaint with the Alabama Dept of Banking because the Loan Servicing company was not accurately applying my payments to the loan nor accurately accounting for my funds. I also filed a complaint with the Consumer Financial Protection Bureau and was assigned case number XXXX in XXXX, 2014. I was advised that the Servicing Company, Clear Spring Loan Services had responded to my complaint ; but I never received the response. 
I have had XXXX several times and was restricted by physicians from pursuing this matter until now due to the health issues that were being caused by XXXX from this matter. 
As a result of my complaints, Clear Spring Loan Services transferred my mortgage to another company without refunding any of my funds that were never applied to my loan.
Consumer complaint received 2016-03-23
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CITYWORTH MORTGAGE LLC (VA)

I was approved for a loan from CityWorth Mortgage on XXXX/XXXX/XXXX. My agent sent the loan officer XXXX XXXX the contract on XXXX/XXXX/XXXX. It took him weeks to get started with the loan process. On XXXX/XXXX/XXXX my realtor reached out to him again to see if he started working on the file, but he would not respond to her. On XXXX/XXXX/XXXX he started working on the file. XXXX/XXXX/XXXX he advised the appraisal came back with repairs. On XXXX my agent emailed him to advise repairs were made and for him to order re inspection. he advised it was reorder XXXX. On XXXX/XXXX/XXXX my agent spoke to the appraiser who advised he never received a request to go back to the property. On XXXX/XXXX/XXXX my insurance info was emailed to him. On XXXX XXXX, he had all documents he requested. On XXXX/XXXX/XXXX I sent him documentation I was now receiving XXXX, resent XXXX XXXX, and bank statement .XXXX would not respond to use for over a week. We have emails showing from abt XXXX to XXXX XXXX would not provide updates. On XXXX my agent as for his supervisor, no reply from XXXX. On XXXX XXXX states he needs a clear copy of funds ( which was a gift to close ) leaving my sons acct. That was provided multiple times. XXXX said XXXX the file was in underwriting. On XXXX the processor sent an email asking for pay stubs, bank statements, tax transcript, and insurance information all over again. On XXXX my agent again ask for number for the corporate office so we can file a complaint no reply from him or his supervisor with the information. On XXXX XXXX his supervisor advised my agent this file never went to underwriting. He also advised they are denying the file. There are so many things wrong with this process. They did not process this in a timely manner. They did not communicate and update correctly. Finally they denied my loan but i am still employed and I have XXXX income. I feel like this is discrimination. After being denied on XXXX/XXXX/XXXX I asked XXXX for a copy of my file I received no reply.
Consumer complaint received 2023-05-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion and XXXX Violated my rights to privacy. The law you are violating is clearly here. The civil liability law under which I will sue is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.