davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (GA)

RE : XXXX I am writing to address a concern regarding my account and its reporting status on my credit report. On XX/XX/XXXX around XXXX EST, I spoke with XXXX XXXX XXXX a Compliance Consultant at XXXX XXXX XXXX XXXX about a complaint I had previously filed. During our conversation, we discussed that the response to my complaint did not meet the suggested resolution. 

The resolution I was given initially by XXXX, and later communicated to XXXX, was that my account should not be marked as charged off, since I was making payments. Specifically, on XX/XX/XXXX, XXXX mentioned that the account would be marked as closed with no charge-off reflected. 

During my discussion with XXXX XXXX, we also talked about the accuracy of the credit reporting. XXXX mentioned that the account was charged off in XX/XX/XXXX based on the information provided. However, my credit report indicates ND ( XXXX XXXX ) from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX, after I made a full payment, the report showed CO ( XXXX XXXX ). This discrepancy is concerning, as the original representative I spoke with assured me the account was not in charge-off status. 

It is troubling that the account was reported as ND for nearly XXXX years and then marked as charged off after a payment was made to close the account. This sequence does not seem accurate, and XXXX admitted during our call that this reporting was incorrect. 

I request the recordings of my call with the representative on XX/XX/XXXX, as the information provided to me as a customer was not upheld. This situation does not comply with the Fair Credit Reporting Act ( FCRA ), and I respectfully ask that my credit report be updated to reflect ND for XX/XX/XXXX and XXXX ( Closed ) for XX/XX/XXXX. It is clear from the credit report that the account was never in collection, and Audi Financial Services did not report it as such until after I made a payment on XX/XX/XXXX.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have had a Advance Tiered Checking Account ending in ( XXXX ) with Bank of America ( BofA ) for over 20 years. On XX/XX/2023, I was notified by BofA that there was potentially fraudulent activity on the account. They inquired if I had opened two new savings accounts using the XXXX funds. I replied that I had not. 

However, when I accessed my account online, there were XXXX savings accounts opened which I had no knowledge of, both funded with my XXXX funds in the amount of {$20000.00} ( {$40000.00} total ). 

I was directed by BofA fraudulent. division to go to the nearest BofA branch, present two forms of photo ID to begin to get this straightened out. 

My wife and I are the two exclusive account holders. We both went to the BofA branch, as directed on XX/XX/2023, identified ourselves as directed, as was assured by the branch that they would look into it for resolution in a timely manner. 

We were asked to check back in with them on XX/XX/XXXX, and we did so. We were told that the matter was being investigated, and the standard timeframe for resolution is 30-60 days. 

Meanwhile we have absolutely no access to our ( supposedly liquid ) funds. 

This places a financial burden on our family, and is detrimental to our, all important, FICO score. 

There is no understandable reason that the funds WE DEPOSITED, and we have proven ourselves as the legitimate account holders should be deprived OUR OWN funds because of obvious fraudulent activity. 

We are being financially impacted due to loss of access to our ONLY source of liquid funds, and consequently we feel BofA should provide compensation. 

We are sophisticated enough to understand the potential capitol to be made using these funds and the overnight exchange rate. 

Please expedite this resolution tor us to curtail our financial bleeding.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX  dollars per violation and clearly they violated my rights.
Consumer complaint received 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

A major medical crisis took place in XX/XX/XXXX for borrower, which caused original delinquency. Then co-borrower lost job due XXXX in XX/XX/XXXX.  Borrowers tried to bring the loan current despite a reduction of income and extensive medical debt. Borrowers continued on this course until delinquency hit foreclosure status. At that time borrowers were referred to make contact with a HUD Certified  Housing Counseling Agency. 

Borrowers began to work with XXXX of XXXX ( A division of The Partnership for Families Children and Adults ) in XX/XX/XXXX. Time line is as follows : 1. Borrower response package was submitted XX/XX/XXXX thru Hope Loan Portal 2. Deemed complete by Ocwen XX/XX/XXXX. 
3. Submitted to Underwriting XXXX XXXX 4. Approved for Trail Payment Plan for streamline modification XX/XX/XXXX 5. Trial Payment Plan began XX/XX/XXXX 6. Trial PP should have ended XX/XX/XXXX 7. Status request sent to Ocwen XX/XX/XXXX to check on finalization of mod 8. Status request again sent to Ocwen XX/XX/XXXX 9. Response from Hope Loan Portal Specialist XXXX XXXX of Ocwen Mortgage on XX/XX/XXXX. Response stated *technology issue with Ocwen as the reason the modification had not been finalized or made permanent. 
10. Escalated the case thru Hope Loan Portal, direct contact with Ocwen via escalation email and fax on XX/XX/XXXX 11. Final approval granted XX/XX/XXXX with final approval going to attorney XXXX XXXX 's office. 

Borrowers made 10 trial payments through the trial payment plan. While in the TPP the borrowers were forced into a Chapter XXXX bankruptcy for self employed business debt XX/XX/XXXX. **Please note that communication with Ocwen continued through the Hope Loan Portal and via telephone AFTER the consumer filed. 

Because the borrowers were in an active bankruptcy when the final loan modification documents were approved they were sent to the borrowers attorney XXXX XXXX, even though the borrowers had not included the mortgage in the business bankruptcy. This delay in documents and late post mark of documents cause the finalization to fail. 

Appeal being made based on timeline asking for final loan modification to be honored. Borrower was only given 14 days to return documents after final approval. Borrower was not given even 30 days. Borrower made 10 trial payment while waiting on Ocwen to finalize the modification - Ocwen had 310 days in which they did not process the streamline modification, yet only gave the borrower 14 days to respond. 

We asking for assistance with escalating to the correct team or unit to OVER TURN or OVER RULE the denial of the final modification based on the timeline.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (AL)

602 right to privacy 15usc 1681 section 604 A section 2 consumer reporting agency can not furnish account without written instructions.

15 usc 1666b a creditor may not treat a payment under credit card as late for any purpose
Consumer complaint received 2018-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (MI)

I have attempted to contact NCC Buisness Services about a debt that is on my credit report. I requested a financial transcript in XX/XX/2016 via email through a representative of NCC. I was given an email address below as a contact. 
( XXXX ) I emailed this address for the transaction transcript to review charges, and I received a message that the email address was not valid. I have attempted for two years to have this debt removed. This debt is almost 5000 and it has caused a great deal of hardship, because I have not been able to get proper housing, due to this outstanding balance. I explained that I went to court and the judgement amount want around 1500.00. I have sent a copy of the judgement to the bureau, and I have disputed the debt. This is still unresolved and still preventing me from acquiring housing.
Consumer complaint received 2024-06-25
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. (TX)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon investigation of my credit I was sent into a spiral on panic and anxiety. I found unverified inquiries and a number of unverified accounts being wrongly reported. I find the actions of the agency questionable since it is their responsibility to ensure the accuracy of the information that they report. This is having grave effects on my life and I need it fixed.
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Ive filed disputes for XXXX XXXX  accounts and A capital one credit card account and the disputes are handled due to me facing hardships through the natural disaster of XXXX. And the accounts have been removed from my credit file 3 times and these companies keep adding them back which is against the law.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

I am disputing a transaction that I did not make from last year, XX/XX/year> and while waiting for an update that is taking much longer than it should I have collected interest and fees.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-07-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I am writing this in response to a recent communication received from XXXX XXXX, dated XX/XX/XXXX, which claims that I owe a debt to them that has allegedly been sold to Portfolio Recovery Associates. I dispute the validity of this debt and assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have been consistently making payments towards the alleged debt, as per my records and bank statements, directly to Portfolio Recovery Associates, pursuant to a payment arrangement established on XX/XX/XXXX. This arrangement was made with Portfolio Recovery Associates, and I have diligently upheld my payment obligations in good faith. 

Per the FDCPA, Section 809 ( b ), I request that you provide me with a written validation of this alleged debt. This validation should include the amount claimed, the name of the original creditor, and any relevant documentation that supports your claim. Until such validation is provided, I request that all collection activities, including reporting this debt to credit bureaus, be immediately halted.

Furthermore, I also demand that the entry of this debt on my credit report be removed in compliance with the FCRA, Section 623 ( a ) ( 1 ) ( B ). As per this section, information that has been reported inaccurately or can not be verified must be removed from the credit report. Since XXXX XXXX claims that I owe the debt to them, it indicates an inconsistency in the reporting and raises questions about the accuracy of the information.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION (FL)

" 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 CREDITACPT XXXX 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 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

I filed a dispute and was not given a phone call or a written letter concerning my dispute only finding out that 3 days after I filed the dispute you confirmed the debt was mine. How was this confirmed? I didn't have an agreement with you nor have I ever heard of you. Furthermore you are not even licensed to collect a debt in Tennessee.
Consumer complaint received 2023-07-28
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX  Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XXXX XXXX XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$46000.00} {$46000.00} {$46000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XXXX XXXX XXXX Comments : Closed - Closed or paid account/zero balance Auto Date Last Active : XXXX XXXX XXXX  Date of Last Payment XXXX XXXX XXXX XXXX Two-Year payment history Month 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  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX OK OK Equifax OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX O 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It has come to my concern that even tho the CFPB has put a new law/rule into place regarding the reporting of alleged medical debt {$500.00} or below you are violating my consumer rights. 

The below account is reporting {$340.00} on my consumer report which clearly the CFPB says that these accounts must be deleted from consumer credit reports! 

Two-thirds of medical collections on credit reports will no longer be reported. Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MUTUAL OF OMAHA MORTGAGE, LLC (OH)

On XXXXXXXX XXXX2024 Mutual of Omaha reported an incorrect balance to the credit bureau 's. It was reported to XXXX also and I don't have time to wait for them to send me a copy in the mail then send to you bc it'll take 10 days.

Please do an out of cycle reporting and update this balance as soon as possible to ALL three bureau 's.

I will get my Attorneys involved if it's not corrected. Have no idea why you reported me owing more than I borrowed. You reported I owe {$120000.00} The correct balance is {$120000.00}.

I'm attaching copies of my credit reports.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

During covid ( summer XXXX  ) I was In the middle of a move to Florida using my Capital One Card. Out of nowhere they decided to close my account, effectively leaving me stranded, unable to rent a car, and causing a hindrance to me, my wife, and XXXX kids. I tried to reach out to Capital one to inquire about what was going on, as I had my account for a while with them, but they said the generic response.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with ( XXXX XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 


( XXXX XXXX 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 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WA)

County taxes were due in XX/XX/year>, I was contacted by the county of requested notice of payment due, despite NewRez LLC informing they paid in XXXX XXXX ( which was deducted from the escrow account ). The taxes were still not paid, I was not informed of where the money was, so I paid the taxes directly on the county website. 

I have inquired multiple times as to why the amount they deducted from my escrow account was approximately {$800.00} more than what was listed as due for county taxes, and why this amount is still missing from my account since I already paid the county taxes directly. 

It has been over XXXX months, NewRez LLC has not responded to any of my inquiries and the " tax payment '' money they withdrew from the escrow account is still missing.