davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
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. (TX)

My information was used for an unauthorized inquiry performed by XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX fraudulently opened an account on XX/XX/year> in the amount of {$15000.00}. A vehicle was purchased at XXXX XXXX XXXX in XXXX, NC. I have never been to XXXX, NC. I found out that my information was part of the Equifax data breach. I contacted XXXX XXXX XXXX and they have not provided evidence of how they verified identity. They are unwilling to provide any information. I have contacted XXXX XXXX regarding this account, and they could not provide evidence on their process to verify identity. I have submitted several disputes with all credit bureaus. XXXX XXXX needs to take responsibility for their fraud, and remove the inquiry and the account from my credit report as I am a victim of fraud. I have filed and Identity Theft Report with the with FTC and my local sheriffs office.
Consumer complaint received 2024-06-28
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. (NC)

I started a dispute with Transunion on XX/XX/year> & as of today XX/XX/year> it still has not been completed. Dispute code XXXX
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX reported that I opened a credit card account XX/XX/XXXX with Equifax stating that I owe XXXX. They then reported to XXXX and XXXX that the account was opened XXXX and that I owe XXXX. Ive sent out letters reaching out to them since XX/XX/XXXX and they have no corrected and removed these fraudulent reports from my account.
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MI)

Shellpoint Mortgages gave me Covid forbearance for a period of 18 months. All along there was the promise of options to resolve the situation, things like loan modification, deferment, etc. 

My wife XXXX  XXXX in the very early stages, XX/XX/XXXX, and ended up being a XXXX XXXX XXXX XXXX, XXXX for a very long time. Shellpoint continued to offer forbearance. 

It was even at XXXX point an automated call saying that all I need to to extent my forbearance was press XXXX on my phone keypad. I did so. 

At the end of XX/XX/XXXX Shellpoint said that I needed to make a payment on XX/XX/XXXX to restart my loan. I called on XX/XX/XXXX and the person I spoke with said I could not make a payment, that they were assessing my account. 

Then I was told that since my loan had been modified just before the forbearance started, I was not eligible for any of the available options. I asked why I was not told this at the time, and was told by the person I spoke with that this information only became available at the end of the forbearance. 

Basically, the forbearance was not available to me without the need to bring ALL payments current at the end of it. 

I was, in my opinion, completely misled as to what was available to me, and now find myself with {$40000.00} in arrears on my mortgage, with foreclosure looming. 

The CARES Act was supposed to protect from demands for all back payments to be made. Why is it not effectively protecting me now? 

I have young children, and we are in a lot of emotional pain right now. I can't lose their home.
Consumer complaint received 2024-06-28
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)

Subject : Request to Remove Late Payments From Credit Report | I am writing to request assistance in removing late payments reported on my credit report. I was reviewing my credit report and found some errors relating to my payment history on some of my accounts. And I know that by law Credit reporting agencies have the responsibility to report accurate information IN WHICH THEY ARE NOT. Attached file are proofs shown on my XXXX! 
Date of late payment : XX/XX/year> and XX/XX/year> and XX/XX/year> are reported as inaccurate through my accounts and should be removed because it is prohibiting my future requirements. 
I have already contacted the creditor and the credit reporting agency to dispute these late payments but the issue has not been resolved. I believe these late payments are either inaccurately reported or should be reconsidered due to the extenuating circumstances.
Consumer complaint received 2024-08-03
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)

Transunion and XXXX are housing fraudulent hard inquiries that do not belong to me. I have been trying to dispute them off but they are not listening I have reached out to the companies along with filed a FTC complaint these hard inquiries need to be removed or every incorrect one is a XXXX dollar fine and I will seek legal action
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

This letter is to inform you that i recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) .By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

Beginning in XXXX, we recognized an issue with our retirement income and medical bills and realized it would affect our ability to pay our mortgage serviced by SPS. We immediately reached out and were initially told that since we were not behind in payments, no modifications were available. Once we were a month behind, we began to send in required documents to see what we qualified for. This had to be done several times. After several months we were told we could still not get a modification as they did not offer those. Instead, a repayment plan at a different monthly rate of double our mortgage payment was offered. We were told that if we did not sign the repayment plan that foreclosure would immediately commence. We were able to borrow the money to catch up and were initially told that we still needed to sign the repayment plan. We did not as that was no longer applicable. We tried immediately to work with servicer to prevent this issue from reoccuring and were once again told that since we were not presently behind, nothing could be done. Beginning in XXXX, I reached out again for a modification. Submitted documents. Was again told that modifications are not available and to pay past due or foreclosure proceedings would begin XX/XX/2023. I was informed of an SPS webinar that I should register for. I registered and attended the webinar on XX/XX/2023. It was regarding a XXXX XXXX settlement and options for home retention. The webinar essentially told the attendees to call customer service. Questions were allowed to be typed in and I asked if modifications were available. I was told to call customer service. I have made clear to SPS that I wish to keep my home of 50 years and have tried diligently to take a proactive approach. SPS 's response has been vague at best. When I am current, there is no help available. When I am behind I am told to immediately repay the amount or double my payment. I have established retirement income and have made the attempt to simply communicate with the servicer in a way that is beneficial to both parties. The information I am given is either non-existent, non-applicable, or misleading. I simply wish to speak with the servicer about a modification that they state in every document is available and instead of having me submit the same documentation three times and then tell me they do not offer modifications, to constructively attempt to offer something they say they offer.
Consumer complaint received 2024-06-28
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. (GA)

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. 

Account XXXX : XXXX  XXXX Bankruptcy Account XXXX : XXXX and list of Inquiries. 

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 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have always maintained an impeccable payment record with the XXXX, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. 

Account name : # XXXX, has violated my rights. 

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 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 2023-06-27
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: EQUIFAX, INC. (FL)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I just recently looked at my credit report XXXX XXXX I saw some hard inquiries that did not have permissible purpose. I also attached evidence This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My account with XXXX XXXX and i 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. This company 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!
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have always maintained an impeccable payment record with thXXXX XXXX XXXX  XXXX XXXX with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates XXXX XXXX XXXX. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Consumer complaint received 2024-06-28
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. (KY)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

City bank has several accounts issue with my information, money transffered from my XXXX XXXX to city bank and city bank doesn't have any explination for me ; CITIBANK , N.A . DEPOSIT XXXX XXXX CITIBANK , N.A . DEPOSIT XXXX XXXX {$500.00} {$100.00} XXXX XXXX account XXXX. 
CITIBANK , N.A . DEPOSIT XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX cashed check XXXX XXXXXXXX to to CityBank account XXXX XXXX transfers and credit card payment to City bank Here are some of the accounts opened and closed by them with City Bank and I don't have information on Here are some last XXXX digits City Bank accounts Account ending in XXXX Account ending in XXXX Account ending in : XXXX Account ending in XXXX Account ending in XXXX I have gone to different City Bank locations and they are not able to even give me a print out on transactions on this accounts or tell me where the funds are, they just said that the accounts have been Closed, that if there were funds they will send me a check and nothing has happened. I don't have access to this accounts or any transaction history. 
I am pretty concerned because this involves taken fund from XXXX of my other banks institutions and also my other XXXX XXXX account was closed the the institutions. 
I have called many times and they wouldn't speak to me. 

Please help me find out what happened to my money with City Bank, the check cashed and funds gone, plus XXXX XXXXXXXX Transfered. 
I have XXXX possible suspects that might've stolen my information and funds around that time, I need to verify, please help me...
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have always maintained an impeccable payment record with the XXXX XXXX XXXX XXXX with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.