davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Account number is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds 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 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

I was contacted by LVNV, they stated that they are trying to collect on a debt. They falsely claimed that I owed them this money and I do not. I asked for verification that they owed this alleged amount, proof of authorization that they are allowed to collect on this alleged debt, and proof of authority to contact me, the consumer, and access my personal private information. 

I did not receive any correspondence, then when looking on my consumer credit profile, I noticed that they added a fraudulent account to my consumer report, without responding to my dispute and supplying requested informaiton.
Consumer complaint received 2024-10-10
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)

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 2023-04-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to follow up on my previous communication regarding account number XXXX. As I have previously mentioned, I have been attempting to have late payments removed from my credit report associated with this account in order to obtain a home loan.

I have called several times to get this issue resolved, but it has not been rectified. The latest paperwork that you sent me does not address the issues I have raised.

As I previously mentioned, I believe that your company has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 2 ) which states that consumers have the right to privacy and that consumer reporting agencies can not furnish information about a consumer 's credit report without their written instructions.

Furthermore, I believe that your company has violated Section 1666b of the FCRA, which states that a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason.

I request that you take immediate action to investigate my dispute and remove the negative information from my credit report. I also request that you provide me with a written explanation of how your company plans to ensure that my rights under the FCRA are not violated in the future.

I expect a prompt response to this request, as this matter needs to be resolved quickly. Thank you for your attention to this matter
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Hello, I had service with equifax and was paying {$4.00} a month till XX/XX/XXXX, due to credit card reported missing my service was disconnected so I called yesterday to restore It I was told I need to update my credit card so I did but I was told there is an error and we can not charge the update credit card I gave the another card and same thing happened I gave different card the result was same upon checking with my credit cards XXXX was charged twice, provident once and XXXX once I told the agent I have been charged 4 times and she been telling none why dont you check with your supervisor or somebody knows about the issue because this is unethical and fraudulent you should stop and refund all charges until you fix the issues she said no I told I have all charges you better do but she never did
Consumer complaint received 2023-11-14
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. (NY)

Somebody stole my identity and has been using my information to open credit cards and get loans for cars and personal consumer loans I put a credit freeze with all three credit bureaus and somehow this person has already made an account with XXXX so I dont know if they lifted the freeze with XXXX but I cant access XXXX obviously because this person already has an account with them and our information doesnt match so Experian doesnt let me access account online nor do they give me access over the phone
Consumer complaint received 2024-10-30
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NJ)

I HAD TWO CREDIT CARDS ( WALGREENS AND SAM 'S CLUB ) ISSUED BY SYNCHRONY BANK WITH A CREDIT LIMITS OF {$2500.00} AND {$6000.00} RESPECTIVELY. 
i HAVE BEEN MAKING BOTH PAYMENTS ON TIME AND ABOVE THE MINIMUM PAYMENTS DUE EACH MONTH. NEVER MISSED ANY PAYMENT, BUT EVERY 60 DAYS THE BANK WILL REDUCE THE CREDIT LIMIT AND INFORMED THE THREE CREDIT BUREAUS THAT ADVERSELLY REDUCED MY CREDIT POINTS BY XXXX POINTS EVERY TIME THEY DO THIS. I WORK HARD TO PAY MY BILLS BUT THIS BANK CONTINUES TO DRAG ME BACKWARD ESPECIALLY WHEN MY LOAN WAS DENIED DUE TO THEIR BAD DECISIONS. I AM REALLY STRUGGLING TO STAY AFLOAT BUT THEY ARE THE STUMBLLING BLOCK IN MY FAMILY 'S FINANCES. 
PLEASE I BROUGHT THIS TO YOUR NOTICE FOR THEM TO STOP THIS CORPORATE DESCRIMINATION. I DID NOT DEFAULT ON MY MONTHLY PAYMENTS AND DO NOT DESERVE THIS UNJUST AND HARSH TREATMENT. LOOKING FORWARD TO HEARING FROM YOU. 
I REMAIN
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One locked my account on XX/XX/XXXX due to suspected fraud. This has since been cleared up. However, on the XXXX, Capital One reported my interim balance to the credit bureaus without my knowledge. My statement closes on the XXXX. Capital One should not have been pre-reporting outside of the standard statement closing cycle, as I pay my balance in full each month. As a result of this, they caused my credit score to drop. A case was filed internally that I have not heard back on but, I am filing this case as my dispute with the credit bureaus just came back as " Not Changed '', meaning that Capital One is standing by their decision to report my balance outside of my statement cycle closing date and without my knowledge and consent.
Consumer complaint received 2023-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of XXXX, my business got affected due to XXXX losing my household income. To meet my mortgage obligations, I used my savings to continue to pay my mortgage payments. Furthermore, in XX/XX/2020, I encountered a medical condition and became XXXX. 

When I explained my situation to Bank of America, hereafter known as BOA, they offered to defer my mortgage payments for up to XXXX months, which I accepted. After the deferral period was over and still during the pandemic, I received a letter from BOA offering mortgage assistance program which could lower my XXXX mortgage payments if I apply for the program. I called the BOA and the agent on the phone explained how the process works and what documents they need to support my application. I immediately agreed to apply and to be reviewed for the program due to my sensitive financial status. After submitting my application and requested documents repeatedly for XXXX months, BOA denied my application. 

In the denial letter BOA stated that they were pleased to offer me a short sale program. 
I contacted BOA and spoke with XXXX agents on XXXX occasions asking the reason for the denial and pointing out that short sale can not be a right program for me, but they all referred to the denial letter since they couldnt explain me how a property with equity can be eligible for short sale. As a matter of the fact some of the agents expressed their sympathy and made notes in their system about this nonsense decision. Having realized that denials were in error, the agents asked me to re-apply for reconsideration, which I did, thus ; every XXXX weeks I was submitting supporting documents and letter of explanation but still BOA rejected my application and sent me the same denial letter as before and offering short sale. I contacted BOA and complained about their decision, and they asked me to apply again for re-consideration, which I did but still the same result. This process repeated XXXX times over the last XXXX years. 

This act of BOA by dragging my application, eliminated any opportunity that I had to refinance my mortgage to a that time market interest rate as low as XXXX XXXX. 

Now, after exhausting all my savings to continue to meet my financial obligations and maintain my hard-earned XXXX XXXX which has taken me over XXXX years to build, Im now reaching out to you asking for your help. 
I dont want to lose my house therefore, out of sheer frustration, I am writing to your office to request an investigation regarding my mortgage assistance application with BOA. I am hopeful that your assistance on this matter will expedite some type of mortgage assistance with BOA to help me to keep my house. 

Property Address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Bank of America XXXX Mortgage XXXX # : XXXX Thank you in advance, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Dear Sir/Madam, I am writing to file a formal complaint against Experian, XXXX, XXXX for their refusal to update my personal information on my credit report. On XX/XX/year>, I submitted a personal information update letter to Experian, XXXX, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/year>, I received a response from Experian, XXXX, XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to Experian, XXXX, XXXX. 
I believe that Experian, XXXX, XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
Experian, XXXX, XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

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 2023-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

Our mortgage lender who covered us for all of 2022, Rushmore Loan Management, failed to pay our XX/XX/2022 school tax ( {$3100.00} ) with our escrow funds. The money was in our escrow account. A month later they sent us an escrow refund for more than that amount ( {$3500.00} ) saying we had an overage and this was not meant to be used for taxes ( have this in writing ). So we used it to cover the costs for the birth of our child. Lo and behold months later we find out the taxes weren't paid and before we could resolve anything with them they sold our mortgage to XXXX XXXX. 

We contacted the PA Attorney General who tried to resolve this with them, but Rushmore ignored their requests. Our current lender ending up paying the taxes from our escrow so we didn't have a lien put against our house, but since Rushmore misappropriated our escrow funds and failed to pay a tax they should have paid, we need resolution and for them to reimburse our escrow account. This is a case of detrimental reliance. All documents are in the XXXX XXXX folder below. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with 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 60 days 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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

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 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

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

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

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd 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 60 days 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 2023-11-14
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. (VA)

Upon consulting with the US Dept. of Education in reference to the student loans. The Dept. of Education told me on the phone ( and it reflected on their website ) that my loans are not presently in default though the XXXX company insists that they are. A dispute was filed with the credit bureau Trans Union and Trans Union told me that they sided with XXXX. XXXX has an unfortunate and known history of not being trustworthy and Trans Union has a bad habit of believing them over the consumer. XXXX needs to stop insisting that they " are the Federal Government. '' The US Dept. of Education is the authority on the case AND is the Federal Government. XXXX has demonstrated that they do have a credibility problem and can not be trusted.