davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (CA)

I was fraudulent induced in the purchase of home, that closed on XXXX and there was fraud in the inception and concealment and non-disclosure in the purchase of my manufactured home. First time homebuyer. 
I need to vacate to get medical treatments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  has been tested by licensed contractors and found throughout the home and in the crawlspace, including XXXX XXXX  and XXXX XXXX strains and many others. 

Spoke with PHH Mortgage on XXXX and XXXX. PHH bought this loan from XXXX XXXX  after my first payment. Asked for an abeyance or forebearance while the legal issues are being addressed. They continually hung up when we got to

the point of the financial questions. Would not give email, contact address or otherwise. No permits were obtained by seller to do restructuring including but not limited to the demolition to exterior walls, interior walls, doors, windows, and interior plumbing and electrical of manufactured home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to violation of co des involving height and placement on a walking path with a metal privacy screen attached.
Non-disclosure, concealment, fraudulent inducement by sellers and real estate agents who were on the same real estate team and sellers ' relative. Lenders are remiss in their fiduciary duty to me before, during and after sale. Realtor was negligent in her fiduciary duties to me. 

XXXX XXXX XXXX  and XXXX  attemptend to get me to sign condo document and rider after closing and after selling XXXXXXXX XXXX to PHH Mortgage.

Land was misrepresented as part of the sale, and later discovered that was false.
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Yamaha Motor Finance Corporation USA (FL)

I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify. 

First my current address on the report lists an old address that I no longer use. 

I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history. 

This report only reflects me in XXXX and does not report me in any other account, so there is another error since there is an inaccuracy. 

This account was closed and paid in full, and at this time I am reporting negatively, the account appears as in collection or declared lost and the account has already been paid in full, there are no pending payments. 

For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me. 

I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate. 

I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response as soon as possible. 

Kind regards
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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.

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 2024-06-12
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. (MS)

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 2024-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

there are several different accounts that are not made by me they are still on my credit report i sent over the items two months ago and they are still there this is all apart of 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 this is all fraud
Consumer complaint received 2019-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO (VI)

FirstBank removed funds from our business account without permission. We did not authorize the removal of the funds from our account & they have yet to return the money to the account ; even though we have been speaking with them about it for over 6 months. The attached document shows that this was processed through FirstBank and that there is no authorization from the account owner, as there is no signature. 

XXXX The removal of funds was the same amount as a previous deposit. The original deposit was not disputed by the customer and I have emails authorizing us to receive the funds that the customer sent. To our knowledge there as no complaint or problem with this customer. The bank never filed a fraudulent claim or any such thing to state why they would have removed the money without our consent. This is a serious security issue if people can simply remove money from your account without consent ; simply because they have deposited into that account previously.
Consumer complaint received 2024-06-11
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. (SC)

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.In accordance with the Fair Credit Reporting act. 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 XXXX XXXX XXXX XXXX XXXX XXXX  Accounting # XXXX and XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX  Account XXXX XXXXTRANSUNION REPORTING AGENCY, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX 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.
Consumer complaint received 2019-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIRSTBANK PUERTO RICO (PR)

I was not receiving my monthly bank statements every month and the last statement that I got it was showing an overdraft due to monies debited by the IRS to repay a student loan. The problem is that Ive never had a student loan. I got proof from my university that Ive never had a student loan but the bank say that there is nothing that they can do. The lender is requesting XXXX {$300.00} in fees that they insist to collect from me. I got in contact with the IRS to resolve the situation. In the meantime, I requested the lender to stop the collection and reporting this negative issue to my credit profile but they insist in collecting the money that they erroneously sent to the IRS
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I called Transunion on XX/XX/XXXX, after I seen my XXXX XXXX reporting balance was incorrect. The Balance for the month of XXXX should be {$3.00} not {$300.00} and its still havent been corrected.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-11
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. (IL)

I am initiating a report to contest and look into these incorrectly listed accounts on my credit file. Per the Fair Credit Report Act, I am entitled to {$1000.00} for each error. According to FCRA 605B, we must report any erroneous accounts on a consumer 's report.
Consumer complaint received 2024-06-04
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 all the companies that I included on the document 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 the months that I was 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.
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX .
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in processing disputes on my credit report with transunion for all inaccurate information on my file that needs to be removed. this has been an reoccurring issue that needs to get fixed asap. please review an delete the requested information to help clear my credit report asap.
Consumer complaint received 2024-06-11
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had obtained a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and was paid by the XXXX for the pandemic unemployment benefits which I had been a victim of identity fraud and my money was stolen from my bank account. I reported it and I have been denied more than XXXX  times although I provided documents of hospital stays where my account was hacked during a long stay in the hospital and I provided supporting police reports.
Consumer complaint received 2024-06-11
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)

FCRA 605B seems to require the removal of any incorrect accounts from my credit report. Would you check the documents, please? There are inaccuracies in the listed accounts, such as incorrect amounts and dates.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I called capitol one on XX/XX/XXXX to inquire about possibly getting late fees reversed on my personal credit card account. I had explained that I had lost my job and was behind on some bills. I spoke with XXXX employee Id number XXXX. XXXX checked and found that he was unable to remove any of the fees. I asked him if I made a payment that day for the past due amount if I could have the 30 day late payment removed from my credit report. XXXX agreed and when i requested in writing that he could do this he told me that he had to wait until my payment posted. He explained that I would need to call back in a day or two after the payment posted to have the late payment removed from my credit report. I paid the past due amount of {$120.00} on my journey card ending in XXXX. Later that day I called again and spoke with a different agent who informed me that they were not allowed to remove anything from credit reports and that he was very sorry that I was told this. This is unacceptable and I am not sure what to do about this but I do know the conversations are recorded. Thank you for your help with this matter.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (PR)

On XXXX 2017 a card from commenty bank was send to me which I did not received it was used by someone else. On XX/XX/XXXX they send another card and the cards was stolen and used again. I call commenity bank and they stated that they can not credit the statement because every card I get someone stoles. Now they want me to send an old police report that I have saying that someone has pamper with my mailbox. My police reports saids that I have been a victim of fraud.
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 )
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In process of closing on home. Contacted TransUnion because they are the only credit bureau that is reporting my student loan that has been paid off back on my credit file after was already removed and reflecting never late paid in full balance is now XXXX they directed me to their website which doesn't allow you to open new investigation. Please help time is of essence. I am currently in process of closing on a property and my score dropped and now my debt to income ratio is 10 times higher.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company has violated my consumer rights by reporting inaccurate information on my consumer credit file. I am a victim of identity theft and have no knowledge of these accounts. I have reported this matter to the federal trade commission and included a copy of the report.