davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

Hi, we are in the worst Catch-22 that I have ever heard of. My wife and I bought our home in XXXX in XXXX XXXX financing our purchase with a mortgage from XXXX Mortgage. Early in XXXX, the mortgage rates had come down so we re-financed with XXXX XXXX XXXX. All was fine and in XXXX we paid off our mortgage. Hooray! We retired two years ago and we are relocating to XXXX. We are selling our home in XXXX and have movers coming on Tuesday XXXX XXXX, the same day as our closing. Our buyers ' title search discovered a lien from XXXX Mortgage, saying that we owe them {$250000.00} from XXXX! It is hard to figure whether it was XXXX ( bought by Chase in XXXX ) who were negligent for not releasing the lien, or if it was XXXX XXXX XXXX 's fault, but both institutions do n't have records going that far back and neither can provide a solution to this nightmare. ( Chase says they must have a XXXX XXXX document from XXXX XXXX XXXX and XXXX XXXX XXXX says they do n't have it and can not create XXXX. ) So we can not sell our house until Chase discharges the mortgage but XXXX can not provide the document that Chase says they must have. It breaks my heart that our buyers might be left out in the cold on XXXX XXXX, but if the money can not be released to us ( the lawyers will withhold {$370000.00} until the discharge of mortgage is filed ), then we ca n't turn over possession of our home. It may take months or years before Chase creates and files a mortgage discharge document ... .no one knows how long it might take. We have the deed. We have spent hours and hours on the phone as well as several hours in our local XXXX XXXX XXXX and Chase branches. We are just XXXX. XXXX our XXXX XXXX is insanely high ... ...
Consumer complaint received 2024-10-25
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. (OH)

I have disputed information with Transunion credit reporting agencies regarding inaccuracies on my credit report. Its been a months and have not received any results into my disputes.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I was one of those people who went Bank of America was in legal problems I got my second mortgage wrote off in XXXX. I borrowed XXXX in XXXX and had XXXX mortgages and had an escrow that paid my taxes and my homeowners insurance. I got behind and filed chapter 13, so that i did n't lose my home. I was placed with XXXX and they ended up working with me so I dropped my bankruptcy and we did a loan modification in XXXX. After 2 years of paying on time my loan went back to Bank of America. Bank of America shows a non-interest bearing principal balance of XXXX, making me owe after paying payment for 10 years, XXXX. I have called and called and no one can tell me what this balance is from and how it came to be. Bank of America says it came from XXXX and XXXX says no it was given to them when the loan was put with them from Bank of America. No one can tell me where the XXXX mortgage of XXXX was written off. I have from XXXX XXXX that i filed with my taxes saying it was written off, Now on XX/XX/XXXX i get a letter from Bank of America saying I have no homeowners insurance. I call my homeowners they state they cancelled me in XXXX when they did n't receive my escrow payment. Bank of Ameria says it 's XXXX fault, XXXX says they do not service me any longer I need to get this information from Bank of America. I am now struggling to find insurance, and thank XXXX, nothing happened all last year. I have written contract from my original loan, included in my loan is escrow for taxes and insurance. No one will answer me on either of these really serious problems I, the consumer am having to deal with.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-25
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. (WI)

I was able to review and check my credit report and there are some problems with some of the accounts that are reporting on my credit report. I have no clue why these accounts are being reported on my credit report. As these damages my reputation not just a consumer but also a customer. Please have these remove from my credit report
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-25
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. (MS)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-25
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. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmation records. These clearly indicate that both payments were processed well before the due dates, and these payments should not have been marked as late.

Processing Delay at the Bank 's End : There was a delay in the internal processing of payments at XXXX. This caused the payments to be incorrectly flagged as late. After contacting XXXX  customer service, they acknowledged this delay. I have attached correspondence from XXXX confirming that the payments were processed late due to their internal issues, not my fault. 
System Error on Payment Posting : XXXX  payment system encountered an error during the posting of my payments, resulting in the payments being marked late. I provided screenshots and support tickets showing that there was a known system issue during the payment dates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with was never late! I have had exceptional payment history 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 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 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!

Update the late payments from my consumer reports
Consumer complaint received 2016-11-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

After numerous attempts to contact XXXX and XXXX of company reporting on both agencies, the said company " Account Resolution Service '' A.K.A " ARS '' listed on my credit consumer reports will be removed and then reappear weeks later. 
Cat and Mouse game. 
" ARS '' is now reporting as an original creditor, fraud! 
I have never signed a contract nor do I have acknowledgement of any service, product or repair with " ARS ''. 
I have informed XXXX and XXXX of this information, but still remains? 
Is it fraudulent of ARS to report as an original creditor when they are not? 
Also, why is n't ARS showing me a signature page that I have requested?
Consumer complaint received 2016-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (CA)

On XX/XX/XXXX I paid off off XXXX bill or shortly after and and started my service with XXXX on the same day XX/XX/XXXX. Later around a month-and-a-half I was sent a bill for {$280.00} from XXXX claiming that they were sending it to collections so when I got my bill I went into the XXXX store and had a conversation about this issue and was told that it was after that if there was 20 days left in the month and that 's what that charge was. Which is illegal to do and I have since gone to them and ask him to show me where it 's listed in their contract and they did not show me because they could n't produce the information. 

Two days ago I called the answer to the collection agency and was forwarded to the internal law office where I spoke to someone that was very rude and did not want to give me any information regarding the charge that I supposedly must pay before they can take it off of the credit bureau butt this derogatory inquired that was placed on my credit is not right because it 's not a credible charge from XXXX which should have been verified by the credit bureau before putting it on to my file. 

By placing this on my credit report it brought my score down by XXXX points or more and he 's threatening 2 damage my credit even more and to take me to court for {$280.00} which is ridiculous. 

I would have made the payment arrangements but I do n't owe the money so why make the payment arrangement I asked could they give me or show me proof that we owed them money and they said no, you no longer are a customer, I was told that l am a client and someone that you have to deal with now! ( Pure Ignorance )
Consumer complaint received 2024-10-25
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. (OH)

I am writing to request the immediate blocking and deletion of the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and XXXX XXXX XXXX  b ). 
Accounts to be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I have a mortgage loan with Bayview Loan Servicing and I have been attempting for over a month and a half to get a detailed transaction history on my mortgage account. I have faxed Bayview a formal request as well as emailed representatives with the company of my request. 

My request is for a detailed account of my mortgage since its origination in XXXX of 2005 when it closed with XXXX. I want to account for every dollar added to my mortgage loan since the origination date. This request would not only detail the payment history but also the added fees to my mortgage.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

XX/XX/XXXX, I filed a voluntary Chapter XXXX bankruptcy Petition when I was unable to sell my XXXX XXXX house XXXX. At the time of my petition, I owed {$63000.00} in consolidated student loans to XXXX. XXXX placed me in forbearance during my XXXX XXXX XXXX and instructed me not to make any payments. XXXX later transferred my loans to Navient XX/XX/XXXX. Upon completion of my Chapter XXXX plan and bankruptcy discharge, I contacted Navient to resume payments only to find that Navient had added {$32000.00} in interest to my loans and the total amount owed is {$92000.00}. I lost my job XX/XX/XXXX and received an income-based repayment plan. I was not told that interest would be added to my loans or that I would end up owing 50 % more than I owed when the forbearance began.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-25
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. (TX)

I am writing to formally notify you that I have been a victim of identity theft as a result of a data breach. I discovered that an account with the following details was fraudulently opened in my name without my knowledge or consent : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2015 Amount : {$00.00}
Consumer complaint received 2024-10-25
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-25
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. (NJ)

When I investigated my credit report, I realized that some of the information were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  Balance : {$440000.00} XXXX XXXX XXXX  Balance : {$100000.00} XXXX XXXX XXXX Balance : {$80.00}
Consumer complaint received 2016-06-18
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NJ)

I had the Rushcard since XX/XX/XXXX. XX/XX/XXXX they were having technical issues and people were not able to access their money. They stated that they would be compensating it 's customers for the problems they encountered just as I was in the process of moving my direct deposit from them. I opened a XXXX account and have been with them since. Recently, I wanted to go back to Rushcard because I liked getting paid 2 days earlier. On or about XXXX/XXXX/XXXX, I called Rushcard to make sure everything was ok with their system and if my account was ok for direct deposit again. I was told that everything was good, thanked me for being a customer since XX/XX/XXXX and never mentioned any negative balance. I was in contact with Rushcard for over a week before my direct deposit went in and.no one ever mentioned a negative balance until I called them about not receiving my pay. Rushcard is saying that they deposited my payroll twice in error. From XX/XX/XXXX I was never contacted about this. I am a XXXXyr old grandmother of XXXX on a budget and they just took my entire paycheck, XXXX. I had to borrow money to pay my rent. I can not pay my utilities. I called and begged them to make some kind of payment arrangement with me but not to take my entire pay. They told me they would escalate the issue and it would take 2 business days. This was on Friday XXXX/XXXX/XXXX. I called them back after not hearing anything on Wednesday XXXX/XXXX/XXXX and was told my money would be posted back to my account in 2 business days. When I called back on Thursday about not seeing my next paycheck I was told that the information about the pay they took going back to my account was incorrect. I was counting on this, making promises to my bill companies and all. She said if no one contacted me in 2 business days, that meant the escalation was denied..This is a huge huge loss I can not have. I will be in the dark, my cable and car will be gone. Rushcard should not be able to make people suffer for their mistakes. i thought the extra money was the compensation rushcard was giving customers. They never said how much or when they would be doing it. I am perfectly willing to pay the money back but not like this. I am suffering a great deal. My bills were already late so now i am in desperate trouble. These people can not get away with this! I am going back to XXXX. I would have never gone back to a company knowing i took funds from them. I did not know and they never told me, just took my money. I will also lose my health insurance which i desperately need. I need help, please! 

Thank you in advance for anything that you can do. 
God Bless You!