davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NJ)

My account with those creditors 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 in those account to be removed. 

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Consumer complaint received 2017-08-31
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: Experian Information Solutions Inc. (MI)

I have been disputing fraudulent information on my credit report. I have sent in information requested such as police report, id and social security number. Not all of the information has been removed and i dont know what else to do. It is fraudulent inquiries as well as accounts from companies, XXXXl XXXX and my personal credit union. I have been working with a special department at experian that us supposed to be handling the situation but is not doing a good job.
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing LLC is ambiguous with their use of my money and can not justify how they are using/applying my payments. In addition to making my regular, monthly payments on my house mortgage, i also send additional payments to be applied to my principal account only. Every month, I send a principal ONLY payment and i call them, it reflects on my online account for one day and then the next day, the company reverses the principal payment in order to charge interest on the payment. Also, when i call customer service, they become aggravated with my inquiries and are unable to explain/decipher my payment history on their ledgers. Ocwen is committing fraud against their customers/consumers.
Consumer complaint received 2017-08-31
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 received a call from a telemarketer from XXXX XXXX by a lady named XXXX. XXXX. The lady had me record a statement that I did not want to provide my SSN. She assured me that a credit application would be based on my business income and not my personal information or credit. An inquiry would not be made without my consent. She asked me for my business Ein, address and income and date of birth. She somehow pulled my credit, said my application was denied and hung up. I have been unable to call her back. She straight lied to me. Now I have a hard inquiry denial for credit with experian and probably the other Two bureaus. Can XXXX XXXX telemarketers just lie to us with immunity and without recourse?
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (WA)

Pinnacle financial LLC has reported the same account of my transition report. Requesting {$720.00} instead of the {$360.00} that I owe. I feel that if I go further they will want all XXXX not the XXXX. 
Can you help me sort this situation? 
Sincerely XXXX XXXX
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. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFPB, I had my mortgage with Bank of America, but I have not been receiving any type of notification from them for a many years now. I have called the Bank of America many times to resolve this matter, but unfortunately I was told that I no longer have a mortgage with Bank of America. I found out that my mortgage has been moved to XXXX XXXX. I never authorized this transfer nor requested the Bank of America to make any changes to my mortgage. There was no service transfer notification, nor any form of notification that this transfer has been made. I wish I can find more information but I am not able to receive any information from both XXXX XXXX & Bank of America until now. I spoke to many different representatives for many times from different department, but I am not able to find any information regarding my mortgage. Now when I ran my credit report, I saw many delinquent payment notices on my report from Bank of America. This is very unfair and I do n't know whom I can speak to to resolve this matter. Because of this ridiculous happening, I am not able to file a modification nor enroll for any financial help programs. I do not want to lose my home, but there is nothing I can do because of those delinquency notices on my credit report. 
Please help me to resolve this matter. I am very worried and lost at this point because I feel like the banks have used my personal information without my consent or authorization to make these changes and I am not able to receive any information from those banks. Once again, I never requested any changes or transfer, never late on my payments, and I do not want to lose my home. 

Thank you,
Consumer complaint received 2016-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

About a month or so ago I received a letter in the mail from Campus Partners informing me that my first post-deferment loan payment had been received late. Unfortunately, as a result of my move on XXXX XXXX, 2015, I did not receive their " attempts '' at getting in touch with me via the US postal mail. It was only after the change of address forms I submitted were processed that I received their late payment notice in the mail. I immediately called Campus Partners and they had the nerve to say it was my fault. Apparently I had only given 2 days to establish an online automatic payment, which was n't enough time for the bank to pay them on time. However, there is NOTHING on their website saying to give at least X number of days to set up an automatic payment or I would have called to make a one-time payment AND set up the auto payment for the following months. Consequently, I had thought that I had made the payment on time in a responsible fashion when in reality they received it a day or so later than the due date. I was hit with late fees and Campus Partners also notified the Credit Bureau of this " transgression ''.
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. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2016-04-07
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. (MO)

On today 's date, XXXX XXXX XXXX, I received a letter attempting to collect a debt. Upon receipt of this information I contacted the original creditor, XXXX, and confirmed with one of their supervisors, XXXX, that I do not currently and have not ever had an account with them sent to collections. This was verified with my social secuirty number. I then contacted the collection company, Convergent outsourcing inc., and spoke with supervisor XXXX XXXX ( sp? ) Who stayed that the debt was from an account during the period of XXXX XXXX - XXXX XXXX. At that time I had my service with XXXX XXXX XXXX and therefore the debt if false and illegal. The supervisor insisted that the original creditor would have no access to verify if I had the account or not. I told her that I dispute the account. This is a violation of the FDCPA ( Fair Debt Collection Practices Act ) and illegal representation of a debt.
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. (OH)

Please see the attached letter; please note that I am submitting the complaint against ALL three bureaus : XXXX, XXXX and Transunion. 

There are several documents ( verifications ) that will be submitted too. 

If I have to submit for each bureau ; please refer to this original-first submission for ALL the documents/ Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (NV)

My account with TRANSUNION 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 in ( MONTHS REPORTING LATE ) to be removed.

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.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX addresses reported on my report are incorrect, I have never lived at either XXXX XXXX XXXX XXXX in XXXX, Tx. or XXXX XXXX XXXX XXXX in XXXX, Tx.. I would appreciate these entries being removed.
Consumer complaint received 2016-07-18
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (OR)

This is to complain on the fraudulent activity of the SYNHRONY bank, affiliated with Amazon Internet store. I made XXXX purchases that were applied against Synchrony Credit card. The first statement I received at XXXX XXXX 2016, which showed amount {$200.00} while I owed {$110.00} for my purchases. 
XXXX XXXX 2016, I had send letter to Synchrony bank along with my check with payment the whole amount I owed for my orders. This payment was made within the grace period, so no any late fee must be applied. ( See Exhibit XXXX ). 
XXXX XXXX 2016, Synchrony bank send me confirmation of my payment. ( See Exhibit XXXX ) XXXX XXXX 2016, Synchrony bank send me another letter, in which they continued to extort from me illegal charges {$87.00}. ( See Exhibit XXXX ). 
XXXX XXXX 2016, I send letter asking Synchrony bank to remove illegal charges from my account, otherwise I would considered it as a fraud. ( See Exhibit XXXX ). 
XXXX XXXX Synchrony bank notified me that they removed part of these charges, but {$20.00} remained as outstanding balance. ( See Exhibit XXXX ) XXXX XXXX they send me Email, continuing to extorting money from me. This time they made {$58.00} charges for nothing. ( See Exhibit XXXX ). 

Please protect me against Synchrony bank 's fraud and distortion.
Consumer complaint received 2017-08-30
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: Navient Solutions, LLC. (GA)

A student loan issuer negligently processed three loans fraudulently identifying me as a co-borrower without my knowledge. The first loan date was in XX/XX/XXXX for {$7200.00}. The second loan date was in XX/XX/XXXX for {$15000.00}. The third loan date was in XX/XX/XXXX for {$12000.00}. Through the entire processing of the three loans, the student loan issuer did not contact me nor did I participate in anyway in the application process and had no knowledge of the loans until I was harassed years later with collection related phone calls and letters from the student loan issuer when the student who applied defaulted on the loans. The adverse information reported to the credit bureaus by the student loan issuer is inaccurate. The student loan issuers gross negligence in processing and approving these loans without verifying my supposed role as a co-borrower has put my credit history at great risk and has caused me a great deal of XXXX.
Consumer complaint received 2016-11-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. Auto Credit Corporation (FL)

I had an accident on XX/XX/XXXX, the car was total, it was a XXXX car accident so the person that caused the accident insurance paid my lien older, they said my car was an older year car so I guess they did n't pay out much to my car lien holder ... my car was an XXXX my lien holder was US auto credit, they have put this on my credit as a repo which is making it hard for me to get a next vehicle, we called them to ask if you got payed from the insurance company, ( XXXX ) why did you put this on my credit ... they said the payout they got from XXXX company was not enough, now US auto credit put this on my credit as a repo and every 2 months they add more money to the account. First off I was it from behind the accident was not caused by me, the person insurance ( XXXX ) even sold the car to copart a place that buys accident vehicles so the can sell to the auction, I contacted XXXX who told me who to talk to at XXXX company, and that 's how I found out the payed my lien holder.but now US auto credit is asking me to pay them as if from I have the car in XX/XX/XXXX I only paid them 2 months, I have paid them up until XX/XX/XXXX, I had the accident XX/XX/XXXX ... please please please I need your help I have XXXX kids that I am having problems taking to school and picking up back because I also have to go to work, I just need some help please, because they put this as a repo I ca n't get a vehicle it 's so hard ... please and thanks for your time and help.
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 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. (AL)

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 2016-11-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Persolve, LLC - Legal - Series 2 (CA)

For the past 12 years I have been contacted by various debt collectors. The most recent one, Persolve LLC, has called me 5 times during the past two days and left a message on my answering machine. I never owed a debt in my life. ( I have paid all credit cards, bills and mortgages before the due dates for the past 40 years -- never had a late payment in my life. ) I think someone put my telephone number ( but no other information identifying me ) on some kind of an application. That person 's debt has been sold over and over to various debt collectors, all of whom start calling my telephone number continuously for a few months. I have written letters to previous collectors saying this is not my debt and I do n't know who they are looking for but they just then sell my telephone number to another debt collector. I want a way for my telephone number to not be sold over and over to debt collectors.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2016-07-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (FL)

Company started calling twice a day, now they are calling four times a day each day. 
They are calling without identifying both the name of the creditor and the name of the person they are calling. 

If I answer the phone, they stay on the line without saying anything. 

A representative told me that they have an automated number just call repeatedly., I asked them to stop and they have not. 

I have no idea why they are calling.