davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Fay Servicing, LLC (FL)

There is a sale date on my home. This has been a struggle with Fay servicing. Despite multiple request, they have yet provide me with what months that I missed payments that put my account 120 days behind. I requested this multiple times and all they have sent spread sheets that reflect no missed payments. I need this information to present to my counsel and they refuse to do so.
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage Services , LLC . is engaging in unethical and predatory business practices. Ive been experiencing financial hardship, and this caused me to fall behind with my mortgage payments. From the time this company has taken over the servicing of my mortgage I received nothing but rude unprofessional service and inconsistent responses. My complaint is regarding the loss mitigation process and the company refusing to take my payment. 
On XX/XX/XXXX I call to check on the status of my loss mitigation application and the representative stated that my XXXX tax return was not signed and that is what is holding up the process. I replied that I didnt have access to a printer thats why I supplied the official XXXX transcript from the IRS. I questioned why, was the XXXX tax transcript acceptable and not the XXXX transcript. He could not answer the question and only replied just send the signed the XXXX tax return. Then a few days later I get a letter from Carrington dated XX/XX/XXXX stating my loss mitigation application has been cancelled because I did not supply requested information. This is an absolute lie. I have dated emails to prove this and I even sent all the information again. 
On Friday XX/XX/XXXX I made a {$5000.00} payment via XXXX. When I called to confirm that my payment has been received, the representative by the name of XXXX # XXXX stated my payment was returned because my home is in foreclosure and has been since XXXX and it is company policy not to accept any payments. She then went on to say that she can request a reinstatement and the XXXX billing statement with a total amount due as of XX/XX/XXXXas {$5800.00} is not the correct amount I owe. I questioned, how is it incorrect she stated that attorney fees will be added, I questioned why when the {$5800.00} includes attorney and filing fees totaling {$1100.00}. She then stated that the attorney fees accrue daily. What makes this so disheartening is the fact that I checked with the clerk of courts and nothing has been filed with them. Furthermore, when I was sent the loss mitigation application, the rep stated that while going through loss mitigation, the foreclosure process will be temporarily halt. Thereby giving additionally time to come up with the money. In addition, I was only short {$170.00} because the {$640.00} was not due. 
This companys only agenda is to take my home. The loss mitigation is a joke they never had any intention on processing my application because I supplied everything they requested and to come up with {$5000.00} only to have my payment returned is unbelievable. Please dont allow this company to do this to me or anyone else that maybe going through financial hardship. These practices can not be legal. Please any help with matter would be greatly appreciated. Please dont allow this company to take my home its all my kids and I have. I have lost my marriage and my business ; I cant lose my home.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXXTransunion/and XXXX XXXX 

I have written to all of them severally and also made uncounted amount of phones calls to the above companies, but they have delayed the removal of several derogatory information on my credit report till date. 
My personal details was compromised and used for fraudulent purpose, and i reported the fraud alert when I returned from military service for my country XXXX ago. 
The FCRA Law, stated clearly what is expected of the credit agencies after 2 years, and still they have not deleted and remove all the fraudulent addresses/credit card/loans/student finance details reported on my profile. 
Its over 6years now, and they still left the negative information on my credit file and it has affected my life and my family. I have just recently reported a fraud alert again.Please HELP
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-09-03
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Longbridge Financial, LLC (CA)

Due to the ever increasing home/auto insurance, utilities etc I was only able to make 2 partial payments on my property taxes-proof was sent to the lender several times with a copy of the Tax Collectors site indicating that partial payments can be made if the full payment for the period could not be made. I rec 'd several scary letters from the lender indicating I was delinquent & in default and foreclosure would be started by XX/XX/year>. At this age I desire not to be homeless, plus my home is worth approx $ XXXX. Why would this lender pursue foreclosure for {$1500.00} remaining on my property taxes which I have indicated will be resolved within a few weeks. 

It's very distressing to get these letters from different departments days apart. I can't sleep, eat nothing with this pending horrific nightmare.
Consumer complaint received 2024-06-19
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. (TX)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-19
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. (TX)

I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FCC Finance, LLC (FL)

On XX/XX/year> I received a letter from FCC FInance threatening against me and/ or my property. I receive many calls all day and night and are charging me with incorrect amount. Also it appears in only XXXX credit bureau. Incorrect amount and multiple mistakes made
Consumer complaint received 2024-06-19
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. (NY)

I understand your frustration with the inaccurate and fraudulent information on your credit report related to identity theft. This situation has undoubtedly caused you significant distress, and I appreciate you taking the time to reiterate and formally request the removal of these unauthorized accounts. 

I want to assure you that I take this matter very seriously. Having one 's credit report compromised by fraudulent information can have far-reaching consequences, and it is unacceptable that your ability to achieve important financial goals has been hindered. 
You have followed the proper procedures by previously communicating with our organization about this issue and now providing formal notice and documentation to verify your identity.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to inform you of a very serious matter regarding fraudulent personal information that has been associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant distress and concern. I have become a victim of identity theft and have already taken the necessary steps to report this incident to the proper authorities. 

This fraudulent information has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your full cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence, and if required, I am ready to take legal action to protect my rights and seek appropriate compensation for the damages I have suffered.
Consumer complaint received 2024-07-15
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 am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report.

Provide written confirmation that these items have been removed.

Conduct a comprehensive investigation into how these accounts were erroneously reported.

Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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. (PA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with Experian 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.

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.

Experian 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 2019-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has changed how they apply debits and credits or something. They do allow some overdrafts but what they have been doing is actually clearing the debit or ach to the point on my end it shows as cleared and also they charge an NSF and then a day or so later they reverse the funds. It intermittently shows cleared even with the creditor. With the assessing of the fee and the item showing as cleared that depletes the balance even further and has caused additional NSF of things that may possibly have cleared if both the fee and transaction weren't both showing as cleared. I need a portion of those fees returned.
Consumer complaint received 2024-06-19
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. (FL)

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. 

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, 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 2024-07-15
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. (TX)

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information listed in my credit file be removed immediately :XX/XX/XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX XXXX : {$240.00}. I look forward to receiving an updated copy of my credit report reflecting the correct information. I would appreciate it if you would take action on this matter as soon as possible. Thank you in advance.
Consumer complaint received 2024-05-31
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: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-19
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. (MI)

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within XXXX business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CO)

I am showing on my credit report that I have missed payments showing for the following dates : XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16 & XX/XX/16. 
I was never late on my Walmart credit card ... I had requested many times to have my due date moved to the beginning of the month and was never done. I called them before closing my credit card and paying in full and they agreed to remove late payments. They have not removed from my credit report and I am trying to buy a house and need these removed. 
Thank you
Consumer complaint received 2024-06-19
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. (FL)

I recently reviewed with my credit report and noticed an account that was not reported accurately I had one 30 day late payment on an account that was in fact paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments. I've attached my credit report to this complaint on these date ( XX/XX/year> ). I'm now requesting you investigate this account and update this late payment to be paid on time immediately thank you for your understanding and prompt action.
Consumer complaint received 2024-06-19
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 used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.