davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

My mother and father were both on a mortgage with XXXX/ XXXX XXXX My father passed away in XXXX. When we inquired about mortgage insurance. We were promptly told that theirs expired a year prior to my father 's death. The initial mortgage was {$830.00} and the interest rate was well over 21 %. With much haggling the reduced the mortgage payment to {$300.00} with an interest rate of 7.7 %. Throughout all these years they never did assignment or any paperwork pertaining to the mortgage until I asked them for a copy of the mortgage and the note. The then sold the loan to Bayview Loan Servicing LLC. The loan is a 30 year fixed rate mortgage. Upon transferring it to Bayview, we were told that it is now a daily interest loan. The bill says that the {$300.00} payment is all going to interest.. My father passed away in XXXX. XXXX just filed some assignment paperwork to them from my dad and the old mortgage company. My mother 's name is not on The documentation. His name is even spelled incorrectly. They further filed an assignment from XXXX to Bayview loan servicing all on the same day XXXX. I have no way of knowing wether my parents had mortgage insurance. My mother has XXXX, my father is deceased, and XXXX never would produce any focumentation. My parents only income at the time was social security. With my father now deceased my mothers income is only half of what it was, I believe my parents are victims of predatory lending. Something very sinister has gone on here. I have to speak for my mom because she ca n't speak for herself. I need some help.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-01
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. (AR)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-14
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. (OH)

am writing to formally dispute the appearance of several unauthorized accounts and inquiries on my credit report, which I have determined to be the result of identity theft. Under the Fair and Accurate Credit Transactions Act ( FACTA ), Section 605B, I am requesting that these items be blocked from my credit report as soon as possible to prevent further damage to my credit history. 
The following accounts were opened fraudulently without my consent or authorization : 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 XXXXXXXX XXXX PA XXXX Additionally, there have been unauthorized inquiries made by the following entities : XXXX. XXXX XXXX XXXX. XXXX Please note that all the above creditors have already been notified about this incident. As per FACTA Section 605B, I am requesting that these fraudulent accounts, along with any associated records and inquiries, be blocked from my credit file. The action is to be taken within four business days of receiving this documentation, preventing these items from affecting my credit score and from being used in credit decisions.
Consumer complaint received 2024-09-14
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. (IN)

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 Account XXXX : XXXX
Consumer complaint received 2024-09-14
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. (PA)

Kindly block and remove the false accounts appearing on my credit report. Its important that this is done promptly. I am appealing for your support concerning the misleading account on my credit report. The issue has badly hurt my reputation, and I need your help. Your mismanagement of my credit report has deeply damaged my standing, and these wrong details must be removed immediately.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX 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 2024-10-01
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. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2017-03-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Fidelity National Information Services, Inc. (FNIS) (DE)

On XXXX/17, I made a payment of {$760.00} for my credit card on the XXXX website. The funds were quickly removed from my checking account at XXXX the very next day XX/XX/2017. The problem is the {$760.00} never posted to the XXXX account and they never got paid. This has been an ongoing issue for two months and neither XXXX, XXXX, of FIS ( the payment vendor ) seems to know what to do. I am consistently told that FIS will contact me but they never do. I only want the {$760.00} to be paid and post to the XXXX account. That is it. For some reason, this is an issue for all parties involved and this has gone on way to long. What happened to my money? Is it just sitting in a FIS suspense account somewhere? Thank you.
Consumer complaint received 2024-10-01
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'm filing this CFPB complaint because I'm a victim of identity theft through data breeches which were XXXX data breech XXXX XXXX  XXXX  and also XXXX XXXX  data breech all of the fraudulent accounts are listed in attached identity theft report all accounts listed were opened fraudulently without my consent which is against consumer law to report incorrect fraudulent items on consumer credit report. Please remove all fraudulent accounts from XXXX Transunion XXXX. 


Listed Fraudulent Accounts 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
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I sent a certified letter requesting validation for an account on my credit report. As of XX/XX/XXXX I have not received the any updated information and my credit report remains the same. Here is the letter I sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Validation of Account XXXX XXXX XXXX XXXX Account Number XXXX / XXXX Dear Sir/Madam, I am writing to formally request validation and verification of the following account, as reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I am disputing the accuracy and completeness of the information regarding this account : Account Name : XXXX XXXX XXXX Account Number : XXXX ( TransUnion ) Date XXXX : XX/XX/XXXX ( TransUnion ) Balance : {$1800.00} ( TransUnion ) Payment Status : 90 Days Late ( TransUnion ) Legal Basis for Dispute : Under the FCRA, credit reporting agencies are required to maintain and report accurate and verifiable information. Specifically : 15 U.S.C. 1681i : This section mandates that the credit reporting agency must conduct a reasonable investigation to verify the disputed information. If the information can not be verified, it must be removed.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. 
Please provide me with the following information : 1. Validation of the debt, including original creditor and detailed accounting of how the balance was calculated.

2. Copies of any documentation that proves this account and its terms are valid and accurate.

3. The procedures used to verify the disputed account and how it was determined to be accurate. 
If you are unable to provide the requested validation, I respectfully request that this account be corrected or removed from my credit file. 
In accordance with the FCRA, you are required to complete this investigation within 30 days. Please confirm in writing the results of your investigation and any changes made to my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX, XXXX, XX/XX/XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute the reporting of the following account ( s ) on my credit report. By the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 and 15 U.S.C. 1681i ( 5 ), it has come to my attention that the account ( s ) listed below have violated my federally protected consumer rights regarding privacy and confidentiality. 

Disputed Account Information : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, XXXX XXXX XXXX  # XXXX Under 15 U.S.C. 1681, it is my right to have my consumer credit report maintained with the utmost confidentiality and accuracy. The inclusion of the above account ( s ) violates this right, and the reporting of this information constitutes a breach of my privacy. Furthermore, I believe these items are inaccurately reported and are being maintained in my file without the proper verification or validation of the legitimacy of the account ( s ), as required under the law.

Per 15 U.S.C. 1681i ( 5 ), I demand that
you conduct an immediate investigation of these account ( s ), and if found inaccurate, unverifiable, or incomplete, promptly delete the account ( s ) in question from my credit file.

Please provide me with : Written confirmation of the results of your investigation.

A statement detailing whether any items were deleted, corrected, or verified.

If the account ( s ) is verified, full documentation proving the validity of the account ( s ) and the process you followed to reach this conclusion.

Failure to comply with my request within the legally required timeframe will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal recourse. 

Thank you for your immediate attention to this matter. I expect a prompt resolution of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BCA Financial Services, Inc. (NJ)

Today XX/XX/year> I called and sent them proof I paid. I asked them to provide a receipt or confirmation via email that they received it. They are not sending any proof or confirmation that I requested many times in the event they do not fix my issue I wont have any other way to prove it. They can easily state they never received since I have no confirmation and they are stating they can not send it to me. Very shady practices and not really surprised as a collection agency, have seen many other bad reviews on them as well. Please help.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-01
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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2024-09-30
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. (CO)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-09-14
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. (CA)

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.