davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (GA)

I submitted paperwork for a loan modification on my home. All paperwork was excepted. I was then told that all that was needed was my bank statements. I sent the statements four times on the fourth time I was told that the statements was excepted and that it would be added to my modification package. I received a letter from the company ( Salene Finance ) on XX/XX/XXXX that I had until XXXX XXXX, 2015 to have all paperwork in. I called Salene and was told the sale date ( XX/XX/XXXX ) was placed on hold because of my being in the modification.I called three times XX/XX/XXXX to check on the modification and was told that it was being reviewed or that it was in under writing. I received a letter on XX/XX/XXXX and was told by a foreclosure Attorney for Salene that the house was sold on XX/XX/XXXX. I have not heard from salene as to what happened with the modification. I am now being evicted from my home. the home was sold back to salene. 
I want to stay in my home I have been in this house for 9 years, I would like to have the modification that was promised to me. The have offered cash for keys XXXX and 30 days to move. I am XXXX and have no where else to go. 
.
Consumer complaint received 2024-10-16
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: EQUIFAX, INC. (CA)

Please see the attached document regarding proof that the XXXX XXXX Police Department has received my FTC Identity Theft Report as evidence of my dispute, along with my FTC Identity Theft Report and proof of identity.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The company sent an approved forbearance notice for XXXX  2024-XXXX  2024. However, the company reported the account as late for XX/XX/year>2024 and XX/XX/scrub>XXXX  2024. I have been denied access to other opportunities because of the recent dates of reported late payments by this company.
Consumer complaint received 2024-10-22
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. (MD)

This fraudulent account was removed, then reinserted under a different name which is illegal, under my rights and protected by law, please remove this fraudulent account from XXXX, then sold and then sold again
Consumer complaint received 2024-10-22
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. (NY)

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 2024-10-23
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. (GA)

XX/XX/XXXX VALIDATION AND CEASE AND DESIST LETTER WAS MAILED XXXX RESPONDED WITH A LETTERHEAD SHOWING INTEREST CHARGE CALCULATION AND A LETTER DATED XX/XX/XXXX MAILED TO AN ADDRESS IN XXXX. I THEN MAILED A SECOND LETTER XX/XX/XXXX STATING THE VALIDATION WAS INSUFFICIENT AND TO PROVIDE THE REQUIRED ORIGINAL CONTRACT OR LOAN AGREEMENT. THEY HAVE NOT RESPONDED BUT UPDATED THE BALANCE TO THE CREDIT BUREAU XX/XX/XXXX AND ALSO COMMENTED Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act )
Consumer complaint received 2024-10-01
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. (TN)

Letter to Capital XXXX XXXX XXXX ( XXXX XXXX ) XXXX ole XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/year> Re : Account Number [ XXXX ] Request for Pay-for-Delete & Goodwill Adjustment under FCRA To Whom It May Concern, I hope this letter finds you well. I am writing to respectfully request a pay-for-delete arrangement or a goodwill adjustment for the late payments that have been reported on my credit file in connection with the above-referenced account. Due to temporary financial difficulties, I was unable to meet my payment obligations during the relevant period. However, I am now in a position to resolve this matter fully.

In accordance with Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I recognize your obligation to report accurate information to the credit bureaus. Nevertheless, the law also allows creditors the discretion to update or remove negative reporting, even if the information was accurate at the time it was reported. As such, I kindly request that you consider removing the late payments from my credit report as a goodwill adjustment, given my history as a loyal customer and my current willingness to pay the balance in full or agree to a payment plan.

Furthermore, Section 623 ( a ) ( 7 ) of the FCRA outlines your ability to notify the consumer ( myself ) if negative credit information is being reported. However, nothing in the statute prohibits your ability to assist a customer by removing such information as a measure of goodwill. This is particularly relevant in cases where the customer is working in good faith to resolve the balance.

As an expression of my commitment to resolving this matter, I am prepared to pay the balance in full or negotiate a mutually beneficial payment plan. In exchange, I request that you remove the late payments from my credit report with the credit bureaus ( Experian, XXXX, and XXXX ). This would not only help improve my credit standing but also demonstrate XXXX XXXX  or XXXX  dedication to positive customer relationships. 

I believe that this arrangement is in both our best interests, and I look forward to your favorable response. Please let me know how we can proceed to resolve this matter efficiently. 

Thank you for your time and consideration.
Consumer complaint received 2024-10-23
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 victim of identity theft in my identity was stolen and here are the accounts that are not mine and need to be removed from all three different credit agency immediately XXXX Remove Below close acct XXXX XXXX, XXXX charge off Transunion Remove XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
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. (SC)

Dear Sir or Madam : I am writing to dispute a fraudulent account. The account are 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ) FCRA 605B ( 15 U.S.C. 1681c-2 ) .I have the police report and the FTC REPORT 605B letter
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (ND)

We are in the process of working with Citi on a modification. Back in XXXX we had a sale date. The third pArty that is helping us with this process had asked that the sale date be postponed. The processor with Citi stated they would not postpone the sale date because we had not submitted all the requested documents and we were not responding to the phone calls. They did have all the documents and there is a cease and dismiss order in place so they were to communicate through the third party. Which the processor stated as well there was no cease and dismiss. This was escalated within Citi they did postpone the sale date and did admit error. The other issue is on or around XXXX XXXX 2016 the denied us a modification. To this date we have not received the denial in writing stating our options. They have now set another sale dAte. By law we are to be given our options and make a decision within I believe 14 days before a forclosure process can begin
Consumer complaint received 2024-10-23
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. (NJ)

" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2015-05-27
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AES/PHEAA (OH)

I contacted this company via XXXX mail requested validation of the account, the debt and the information that they are reported to the credit bureaus which is inaccurate. I have disputed this account and the information with the credit bureaus and they reported back to me that the information is correct. I would like to know how is the information correct when I know for a fact that it is not and the company has not responded to my request to validate their claim. For XXXX, I am not in a Chapter XXXX bankruptcy and this account is currently reported as a negative account that is in bankruptcy on my credit files. This account was opened in XXXX, in which it is to old to be on my account, especially with negative in accurate information being reported. They never gave me a chance to dispute their claim as well, especially with it being negative information. All of my loans are consolidated with another lender and they are up to date and current, it 's not fair that these accounts are listed as negative on my credit file with inaccurate information in which the company can not and or refuse to validate with competent information. I would also like to know what type of evidence or validation the credit bureaus received in their investigation that verifies that their claim is accurate.
Consumer complaint received 2024-10-23
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. (OH)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

My accounts 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 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 2024-10-23
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)

The following inquiry and account doesn't belong to me, I need these items removed from my report. I didn't acknowledge any creditor to open any account in my name. These items must be removed immediately. It isn't a good reflect on my report please kindly update my address as well that is on my id thank you.
Consumer complaint received 2016-01-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (DE)

My credit card erroneously debited my bank account ( PNC Bank ) for the entire card balance instead of the payment submitted. There were insufficient funds to cover the payment, which was XXXX my bank balance. PNC Bank approved the charge, adding overdraft fees and leaving me $ XXXX overdrawn, with my rent and bills STILL DUE. 

The credit card company, XXXX, is refunding my account - but the transaction should have been declined by PNC Bank in the first place, because now I will have late payment charges for my rent and other bills since that process takes 5 days. 

This should never have occurred in the first place. The charge should have been declined for insufficient funds, leaving my bank balance intact.
Consumer complaint received 2024-10-22
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)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (AE)

Lender Live has began the same unscrupulous tactics that began XXXX 2015 ( see previous complaint ref # XXXX XXXX. I have bean receiving multiple phone calls daily stating that I did not pay my mortgage in XXXX. I have bill pay which automatically sends a check monthly. The agent ( XXXX ) recommended that I make a payment immediately so it does not show on my credit report. I told him no since my bank makes the same payment each month. XXXX stated that since there is no coupon associated with the payment, the computer may misdirect it and I am still responsible even if I have confirmation from my bank when the check was mailed and delivered. My account number and property address is on each payment. I should not be harassed and threatened because the organization does not have the appropriate systems to process payments.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2016-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NC)

Seterus, Inc. continues to report that our mortgage payment is late, at this point they have reported this for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We contacted them in XX/XX/XXXX and told them that we were going through a financial hardship because of a job loss and then having to relocate to another state once a job was found. We tried to sell the house but were unable to do so and let them know that we were no longer able to pay both the mortgage and our new rent and asked what options we had. They suggested a deed in lieu of foreclosure so we completed and submitted the necessary forms. We were approved XX/XX/XXXX and we continued to receive threatening letters from Seterus and their law group, XXXX XXXX XXXX that we owed for XX/XX/XXXX and then XX/XX/XXXX. This was all while we completed the paperwork that needed to be notarized and sent back to the XXXX XXXX XXXX. In this paperwork we signed over the property to Seterus , Inc. on XXXX XXXX. They received this packet on XXXX XXXX via XXXX. On a trip up to visit family on XXXX XXXX we went past our old home and found a note attached to the front door stating that XXXX owned the property that was dated XXXX XXXX. We are in the process of filing disputes with the credit bureaus but we would like this matter resolved and for Seterus , Inc. to stop reporting that we are still late. We would also like them to file the necessary paperwork with the county since we are still listed as the owners of the property. Therefore we have our old HOA contacting us as if we still own the property and claiming that we owe them for HOA dues for XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
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. (CA)

I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I just recently looked at my credit report from Equifax on XX/XX/year>. I noticed some hard inquiries that did not permissible purpose. I have also attached evidence. 
This inquiries have no permissible purpose to be on my report. Delete this inquiry due to 15 USC 1681b. 
XX/XX/year>XXXX XXXX XXXX This inquiries have no permissible purpose to be on my report. Delete this inquirie due to 15 USC 1681b. 
XX/XX/year> XXXX XXXX XXXX XXXX This inquiries have no permissible purpose to be on my report. Delete this inquirie due to 15 USC 1681b. 
XX/XX/year> XXXX XXXX XXXX This inquiries have no permissible purpose to be on my report. Delete this inquirie due to 15 USC 1681b. 
XX/XX/year> XXXX XXXX XXXX XXXX This inquiries have no permissible purpose to be on my report. Delete this inquirie due to 15 USC 1681b. 
XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXThis inquiries have no permissible purpose to be on my report. Delete this inquirie due to 15 USC 1681b.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (VA)

Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter