davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (IA)

My name is XXXX XXXX and I have owned my home for 27 years. I am now facing a foreclosure sale date on XX/XX/XXXX because the company that is holding my mortgage loan Seterus is refusing to reopen a review of my current financial information in order to qualify for a modification of restructuring of this loan. My mortgage loan is backed by XXXX and I have found out that XXXX has several new programs they introduced that are designed to help struggling homeowners. I have been struggling after being laid off in XX/XX/XXXX from my primary job. I was able to hold things together with money from my XXXX and seasonal income XXXX but was not able to afford my mortgage. I applied for help and ended up getting approved for a new modification, but instead of lowering the interest rate or the payment it actually made it INCREASE. Based on the money I was earning at that time this was not affordable. 

I have now been back working XXXX jobs for several months and my financial situation has improved. The problem is that Seterus has already closed my case, and refuses to give me another chance to be reviewed for modification programs and instead is trying to foreclose. There is no open case, no single point of contact etc. I thought that if your financial situation changes or improves that the lender is required to conduct a new review of the current information to determine what I could qualify for. I do n't think it is right or fair that Seterus is failing to offer me access to these government programs that I feel I qualify for. I am a XXXX veteran and working XXXX jobs to make ends meet. I have lived in this house since XX/XX/XXXX and have never had a problem paying my mortgage until the last two years. I feel that I deserve a fair shot and should be treated properly and given access to all available programs to try and save my home.
Consumer complaint received 2016-11-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC (AR)

I have been trying to get a Loan Modification on my home due to loss of job in XXXX when I received original loan and now being full time employed but at a much lower salary. I have repeatedly mailed, emailed paperwork to Pacific Union Financial to continue to be told information is missing, which they find was actually sent when requested, to be told by numerous employees of PUF different stories, letters are in the mail, underwriting has it in there hands should be approved next few days to, today being told my the Rudest of all XXXX in Loss Mitigation that since my appeal letter, my payment has actually gone up. I Am At A Loss and can get no help and no resolution.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I checked my credit reports. I noticed an account I did not recognize. In XX/XX/XXXX I sent XXXX a validation/verification request. I sent account verification/validation letters to all reporting agencies. The accounts payment history has been updated past the year XX/XX/XXXX. According to XXXX XX/XX/XXXX was the last year of activity on this account. XXXX and XXXX have updated the account past XX/XX/XXXX showing late payments although the account was charged off and placed in collections in XX/XX/XXXX. All bureaus are showing a balance of {$860.00}. Transunion shows the account updated XX/XX/XXXX. No bureaus reports the date the XXXX XXXX account will cease reporting. The verification/validation sent to me from XXXX does not have my signature on the application. I can not verify this is indeed my account.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I demand that any XXXX XXXX XXXX accounts be blocked from my report due to identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2. 

XXXX XXXX, who provides cybersecurity services to the lender XXXX XXXX XXXX, released my identifying information to another person without my consent.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (VA)

Hello, there is a 2012 Chapter XXXX Bankruptcy item with docket number XXXX that was added on my history that I have been disputing for the last 7 months to get this item removed. 

I have talked with with several representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 3rd dispute in which I am currently awaiting results. 

I called and spoke with a manager and inquired from Experian on how credit bureaus verify their public records. I want to know this information because the bankruptcy keeps coming back as verified every time. I had 4 representatives inform me that the dispute is sent as a memorandum to the courthouse via XXXX. Once the court verifies it, the information is mailed back to the credit bureau. 

To make sure the correct information was relayed, I contacted the court house and they told me that they do n't report any information to the credit bureaus. 

I decided to call Experian back to speak with another manager, but this time they advised that the information is given by the runner who goes to the court house. 

I asked what information does the runner give to the courthouse, and how & what kind of physical information does the runner report to the credit bureaus. They could not answer that information and just said its a form that they send over to the courthouse. 

I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. 

Experian refuses to give my physical documentation that they use to verify this bankruptcy is mine and reporting accurately per the Fair Credit Reporting Act.
Consumer complaint received 2024-09-03
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. (AR)

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 2024-09-03
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)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TN)

I 'm filing a complaint against my mortgage servicer Ocwen Loan Servicing ( OLS ), due to a multitude of violations to the U.S. bankruptcy code. This gross negligence is consistent with payment misapplication, post-petition payment disbursements received from the US Bankruptcy Trustee in case # XXXX.This neglect has resulted in my mortgage account being in sever delinquency and in danger of being foreclosed upon shortly. 
The problem began when my husband and i started falling behind on payments OLS, refused to modify the loan or offer any options in which to keep our home.. 
In order to avoid foreclosure in XX/XX/XXXX, my husband and I filed for chapter XXXX bankruptcy. This process was completed with and approved bankruptcy plan ( BK Plan ), which provided all of our creditors to be paid back as well as we could retain possession of our home. My husband paid bi-weekly payments in the amount of {$380.00} faithfully from XX/XX/XXXX through XX/XX/XXXX. The total amount paid into our BK Plan, was {$19000.00}. **SEE EXHIBIT A - XXXX BANKRUPTCY ( CLAIM REPORT ) DATED XX/XX/XXXX THRU XX/XX/XXXX Of this amount my BK claim report reflects that OLS was paid {$8300.00} in all. However OLS 's, accounting for our disbursements and payments applied during our active bankruptcy plan ; between the span of XX/XX/XXXX through XX/XX/XXXX total only {$5100.00} The OLS accounting only reflect 9 payments having been applied to my account as follows : {$830.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$260.00} -- XX/XX/XXXX {$850.00} -- XX/XX/XXXX {$570.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$420.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX Total {$5100.00} Furthermore, I feel there is money that is still unaccounted for and this needs to be fixed. This account should not be as far behind as it stands, which is currently 35 payments past due, with a substantially large outstanding balance of {$23.00}XXXX. 

My family is prepared to file a civil lawsuit in U.S. Federal court regarding creditor abuse if this matter is not cured at once. I demand that all foreclosure activity remain halted until this matter has received acceptable attention.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 2024-09-03
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. (MD)

I am filing this complaint against TransUnion for their ongoing failure to maintain accurate and complete information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to dispute and correct erroneous information, TransUnion has persistently reported false, inaccurate, and misleading information on my credit file. I have provided TransUnion with the correct and accurate information that should be reflected on my credit report, including my name, date of birth, Social Security number, address, and phone number. Additionally, I have disputed specific accounts that are inaccurately reported on my credit report, yet TransUnion has failed to correct these errors or conduct a proper investigation as required by law.
Consumer complaint received 2024-09-03
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)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX  Balance : {$6300.00}
Consumer complaint received 2024-09-03
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXXXXXX - BALANCE {$8900.00} XXXX XXXX # XXXX - BALANCE {$2500.00} XXXX XXXX XXXXXXXX - BALANCE {$460.00} XXXX XXXX # XXXX - BALANCE {$10000.00} XXXX XXXX XXXXXXXX - BALANCE {$12000.00} XXXX XXXX XXXX XXXX XXXX  BALANCE {$1500.00} XXXX XXXX XXXXXXXX - BALANCE {$130.00} EXXXX XXXX XXXX XXXXXXXX - BALANCE {$18000.00} XXXX XXXX XXXXXXXX XXXX # XXXX - BALANCE {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX  - BALANCE {$660.00} XXXX XXXX XXXX DP OF EDUC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$730.00} XXXX XXXX XXXX XXXX XXXX - BALANCE {$52.00} DPT TREASURY XXXX XXXX - BALANCE- {$2100.00} XXXX XXXX # XXXX - BALANCE {$200.00} XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$640.00} XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$1900.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

18 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Hard Inquiries : XXXX XXXX XXXXXXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/year> TransUnion XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> TransUnion
Consumer complaint received 2016-09-01
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

On XXXX XXXX, I went into the bank to deposit money into my savings account. I was the second customer minutes after opening. Bank teller named XXXX, says to me your account is closed and proceeds and to say very rudely " your savings account has been closed for a very long time so I can not help you, goodbye " - shocked by her rudeness I said back " you are a LIAR because I just opened this account two weeks ago ", she then says well u can have a seat and I will have my manager help you. Manager not doing anything @ all pretends to be on the phone and snaring at me through the window. After waiting for twenty minutes in a completely EMPTY bank w no customers the manager left me sitting there. I was upset and said fine I will go to another bank, but I choose not to because this was already a long trip for me to get to that location so I returned and deposited money into my checking account and said I will wait for your manager because I have things to do as well I can not go to another bank and it is your job to help me not be unprofessional, violate my privacy and hold me hostage practically. XXXX then yells very rudely " well you NEED TO WAIT ", and I did for an HOUR! I managed to call customer service over the phone got a resolution and still waited for this manager to help me, I went back to XXXX and explained that I just got off the phone with customer service and they said just make a deposit and your account will open she responded " who is THEY? " being a rude XXXX pretty much, I said " customer service, manager walks up to me and said " what is your problem " ... I responded whatever it is I handled it over the phone and I guess I do n't need your help now - she then laughs and walked off - so after I sat on the phone w customer service complaining about the horrible customer service I am receiving from this branch - the manager walks out takes my {$500.00} and said sign this. XXXX - savings account back open ... what in the world makes people think they can treat customers like this. Especially women XXXX, completely XXXX staff treats all XXXX people like XXXX in this location and I know for a fact because, they even make me wait when they have no customers and soon as I walk in I am not greeted, they are ALWAYS RUDE TO XXXX PEOPLE!!!!!!
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XX/XX/XXXX XXXX Balance : {$7300.00} XX/XX/XXXXXXXX XXXX Balance : {$3300.00} XX/XX/XXXXXXXX Balance : {$1400.00} XX/XX/XXXXXX/XX/XXXXXXXX Balance {$4000.00}
Consumer complaint received 2024-09-03
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. (TN)

I am filing a complaint regarding multiple accounts that are inaccurately reported on my credit report, violating both the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ). Despite disputing these accounts, the companies involved have continued to report incorrect details without conducting proper investigations. The accounts in question are as follows : - **XXXX XXXX** : Account Number XXXX - **XXXX XXXX** : Account Number XXXX - **XXXX** : Account Number XXXX - **XXXX XXXX** : Account Number XXXX - **XXXX XXXX ( Repo ) ** : Account Number XXXX Each of these companies has failed to ensure the accuracy of the information reported, as required under the FCRA. Additionally, they have used misleading practices in their collection efforts, in violation of the FDCPA. I request the immediate deletion of all these accounts from my credit report due to these violations.
Consumer complaint received 2024-09-03
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXXXX/XX/XXXXXXXX XXXX and XX/XX/XXXXXXXX XXXX XXXX