davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-10
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. (FL)

Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report To : TransUnion Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

I recently reviewed my credit report and noticed an account that was not reporting accurately. Specifically, I had 1 late payments on an account ( XXXXXXXX XXXX XXXX XXXXXXXX ) that, in fact, were paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never been late on payments. 

I have attached a copy of my report highlighting the disputed payments on the following dates : ( XX/XX/2023 ). I kindly request that you investigate this account and update the payments to " paid on time '' immediately. Thank you for your understanding and prompt action. 

Additionally, I request that you provide a description of the procedure used to investigate and verify this account. If you can not update the payment status to reflect " on time, '' please provide the required documentation and explanation. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms. 

Per 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between the consumer ( me ) and the entity ( you ) making the report. Payment history, including the reported late payments, negatively impacts my consumer report and is considered part of my transactions and experiences with your company.

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 U.S.C. 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.
Consumer complaint received 2016-04-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I 'm in a high interest only loan with Bank of America and I am in the process of refinancing. When we called for a payoff they had late fees and inspection fees and a random fee of XXXX . I have sent in all bank statements to prove none of the fees are correct. XXXX XXXX said if I could get here my bank statements faxed to her she would take care of it by XXXX on XXXX/XXXX/2016 as I needed the payoff to close on my refinance. That never happened and I never received a return phone call as she promised and she will not answer my phone calls, So every time I call I get a different person who ca n't help and have put over 50 hours on the phone with them. My refi did n't happen and still has n't happened due to them not resolving this issue. They also reported me 30 days late for XXXX claiming I did n't pay XXXX. So now that is affecting me from being able to refi. I produced a letter asking that to be removed. In the meantime it 's causing a hardship to be held in the loan. This loan has increased and I can not afford it.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX Account # XXXX verified as accurate. How is this account accurate if the term duration is in accurate, as well as high credit amount, last reported date is inaccurate, & the date last active & last payment date is inaccurate, and most important my birthdate is wrong on my consumer report. Any automated response, or E-Oscar verification is unacceptable. I am requesting your method of verification according to the XXXX XXXX Compliance standards. This listed item is entirely inaccurate and incomplete, and must be deleted.

15 U.S.C. 1681 ( A ) ( 4 ). - I have the right to privacy.

15 U.S.C. 1681b ( A ) ( 2 ) - Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681i ( 5 ) ( I ) -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if the item is found to be inaccurate/incomplete it must be deleted.
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IN)

EXPERIAN FAILED TO UPDATE ACCOUNT AS PAYING IN SETTLEMENT AGREEMENT AND FAILED TO PROPERLY CHANGE ACCOUNT STTAUS ETC.. 
XXXX. XXXX LOAN NO.XXXX, CORRECT OR DELETE.ACCOUNT DISPUTED UNDER THE FAIR CREDIT BILLING ACT OF 2003 PLEASE UPDATE TO REFLCT NO STSTUS UNTIL FURTHER NOTICE. ( SEE ATTACHED INFO ).
Consumer complaint received 2023-07-13
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2023-07-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

Called Loancare in XX/XX/XXXX to be put in a XXXX month forbearance period. Called loancare XX/XX/XXXX and qualified for a partial claim. Company sent us paperwork to be filled out via XXXX  We sent paperwork back via XXXX. Had not heard anything back from the company until we received a letter on XX/XX/XXXX stating our home was going into foreclosure. Called loancare to see why this is happening. The company states the paperwork was not filled out correctly so they sent it back out and we never returned it. We never received the paperwork they are claiming was sent back to us.
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On Monday XX/XX/XXXX I noticed a charge when viewing my checking account online that I did not make it was for XXXX in the amount of {$96.00} and it was showing as processing. I called bank of america immediately to report it as a fraudulant charge. I spoke with a gentleman who stated the charge would no longer be on my account in 48-72 hours and he issued me a new debit card which he said I would receive in 5-7 business days. I checked my bank today XX/XX/XXXX and the charge had processed, I called bank of america again to report this issue and the first woman I spoke with had me on hold approximately 15 minutes while she looked into this and then told me she would need to transfer me to a different department. She transferred my call and I was then speaking with a woman named XXXX I gave all of my information to her all over again and she said it appeared that my claim had not been processed, and she needed to put me on hold to check if she could find the existing claim or needed to submit a new one, but instead my call was somehow transferred so I once again gave all of my information and explained the situation and explained that XXXX believed my claim had not been submitted as it should have, this woman stated that I just needed to wait to hear back from their fraud department, even though multiple times I tried to explain what XXXX had said about my claim not possibly being submitted. I asked to speak to a supervisor she told me that no one was available and that she could take my number and have someone call me back in 30-40 minutes it has been an hour and 20 minutes and I still have not received a call back from bank of america or a call from their fraud department. I ended up calling XXXX myself and explained the situation. They confirmed it was indeed a fraudulant charge and the item purchased for {$96.00} had been mailed to a Florida address, and I do not live in Florida or even know anyone there. She said she would be submitting the information to her fraud department and forwarding me the information I would need to file a police report. I want bank of america to refund the {$96.00} to my account as they initially stated they would.
Consumer complaint received 2016-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NCC Business Services, Inc. (MI)

This company contacted my sister as well as my co-worker and stated that this is a debt collector looking for XXXX XXXX. They continued to contact them and left voice mails numerous times, despite being told not to call them again. This company also misrepresented themselves as having a license and registered debt collector in the State of Michigan but they are not. This is a debt account that does not belong to me. I called this company and mailed them a letter requesting validation on XXXX XXXX. They never responded to my request. In fact I never received any letters from them ever.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is reporting on credit file un-rightful due to this is not my debt. I have given a police report to the company. I have spoke to XXXX asking for XXXX the company name, number, address no luck. XXXX is not giving me any information on how this debt is mine. I ask my original documented showing this is my debt. They are stating the debt is very old ( XX/XX/XXXX ) XXXX YEARS OLD in is no longer in there system so they will not be able to send original debt. Please help remove this debt for my credit report. I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. 15 U.S.C. 1692 ( c ).
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (WI)

Me and my husband opened up this account when we moved to XXXX so we could live closer to XXXX. He told me he was sick of driving so far from XXXX XXXX. 
They sent back our XXXX XXXX. 
They sent back our Stimulus and they had to mail it to us. 
They called my husband in dead in XX/XX/2021 to Social Security and my husband died XX/XX/2021. We spent a whole month on the phone with Social Security trying to get the money back from Social Security for him. This was when we changed our direct deposit to XXXX XXXX bank. 
We got unprofessional voice message asking private information from people at the bank. 
I couldn't get XXXX to change his direct deposit for his XXXX from XXXX but I did with his XXXX pay from Social Security.
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

hi. 
phh mortgage account XXXX on XX/XX/XXXX the bank did not allowed me to make an on line payment and advised me to send overnight a ck. 
i sent a cashier ck for {$3100.00} i have proof with signature that it was delivered and signed by the bank employee. 
they falsely claim they did not receive it and harassing me for $ possibly reporting late payment to the credit bureaus. 
i email them all the proof and thy are just claiming false info ( all attached ) since its a bank check it can be canceled @ this point!
Consumer complaint received 2016-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

On XXXX XXXX, 2016 I requested VOD from an item reporting to my credit report. The collection agency listed does not clearly state who the original creditor is. I requested the VOD and sent a copy of my identification, my social security card and proof of address. Yesterday I received a letter from the collection agency with supposed VOD. Not only am I the wrong consumer, they include personal information including name, social and address of their debtor in the letter they sent me. It clearly proves that I am NOT the debtor in their file. The documents they forwarded to me do NOT have my name, address or social security number. This collection agency has violated right of privacy by sending me VOD that which belongs to someone else. They have violated FDCPA laws by incorrectly reporting this debt to my credit report damaging my file. I clearly proved my name, address, and valid social security number ; however, they ignored this data and sent me a bill in someone else name. I am demanding this incorrect debt to be deleted from my credit file.
Consumer complaint received 2016-07-29
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Pressler & Pressler, LLP (NJ)

After repeated attempts by myself and my attorney to negotiate a monthly payment plan, I was told they wanted the full amount and nothing less. In my situation, of being XXXX and retired, I am on a fixed income and could not afford what they were asking. I am very familiar with their practices by being a formal law enforcement officer. I will not go into further detail on that subject. To conclude, I was always willing to pay this debt, but was told time and time again that a monthly payment plan was out of the question.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (TX)

I don't have any idea about these accounts. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX  XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE!!! 

XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Other — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

XX/XX/XXXX, I had originally opened a credit card with Sovereign Bank, which was administered by the third party XXXX XXXX XXXX. XXXX Santander Bank 's acquisition of Santander Bank XX/XX/XXXX, all credit card administration was transferred from XXXX XXXX XXXX to be handled in house by Santander Bank. Upon reviewing my credit report XX/XX/XXXX, I noticed that my credit reporting history dd not include any of the time that my credi card was handled by XXXX XXXX XXXX as part of Sovereign Bank. I inquired about this first with Santander Bank, and was told that they did not have any record of my credit history prior to the acquisiton on Sovereign Bank, ( this despite the fact that I never closed any accounts, and all of my checking, savings, and credit card account balances were transferred over ). I was instructed to contact XXXX XXXX XXXX. XXXX XXXX XXXX informed me that they no longer have n records of the credit history for any clients that were transferred to Santandr Bank, as all client records were handed over toSantander Bank. I have filed multiple inquiries with Santader Bnk to no avail, and am contnually told that they do ot have any information, again, this is despite the fact that I never closed any accounts, and all of my checking, savings, and credit card account balances were transferred over following the acquisiton by Santander Bank. This situation is negatively impacting my credit score and the average age of my account balances, as well are credit reporting history. I am requesting a formal CFPB complaint to be filed against Santander Bank and XXXX XXXX XXXX regarding into this matter.
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

Company started misapplying trustee payments in 2018 I tried to get the 200 % annual escrow balance fixed as payments are split from whole payment to P & I and escrow. I wanted the overage applied to payments. 
They denied errors, while their own records show overages for 4 years. In fact because XXXX XXXX got the trustee payments and Cooper collected monthly payments Cooper lost all of my trustee payments. 
This caused 2-3 unneeded additional agreed arrears being added to my plan payments, then a dismissal. 
I was charged for BPO and recived a copy. They were going to foreclose on me even when I had a grant they would not even consider the possibility there was error. But there was. 
I deserve compensation for these actions attached more detail
Consumer complaint received 2016-04-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (IL)

We have an equity home line of credit with Citibank and it was modified a few years ago. First when we did the modification, I was told to pay a certain amount each month and we paid the amount we were told to pay, I later found out even thou we paid what they told us to they reported us as paying late on our credit reports. When I called to complain they said because we did not pay the original payments they had to mark us as late. This has really effected our credit score. Now they claim the modification is over and they have almost doubled our monthly payment, it went from about {$800.00} to almost {$1500.00} per month. We are trying to refinance to just be rid of this account. But meanwhile we have to make these payments. For some reason the loan is split up into XXXX account numbers. so first I must have sent a payment in XX/XX/XXXX and only referenced XXXX acct number so they said we did n't pay the other loan. I called to complain and they did move the funds. Now I received another late fee for XX/XX/XXXX and when I called they said they did not receive a payment for XXXX of the accounts. The payment is was due on XX/XX/XXXX. I sent XXXX payment on XXXX XXXX and they said it was applied to the XX/XX/XXXX payment as principle when I explained that it should have gone towards the XX/XX/XXXX payment they said there was nothing they can do. I asked to speak to a supervisor and was told there were no supervisors working and that I had to call back during the week. I am very upset that these banks can just do whatever they want with these accounts. I want the late fees all reversed.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Viewed credit report and it shows that XX/XX/XXXX payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/XXXX. A payment is {$250.00} was paid on XX/XX/XXXX, at XXXX XXXX confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/XXXX, at XXXX XXXX confirmation number XXXX. Called XXXX and spoke for a supervisor at XXXX XXXX he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. Also, all dates listed need to reviewed. Current payment history XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late Previous reported payment history XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - Current