davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have a Bank of America credit card that earns cash rewards when I use it. I had enough rewards to pay my XXXX statement in full which was {$160.00} with the cash rewards earned. The bill was due on XX/XX/23. The cash rewards of {$160.00} was applied on XX/XX//23 leaving a XXXX  balance. Just receive XXXX statement showing a late payment fee of {$25.00}. Called B of A to have the fee removed and they said that was the fee to use cash rewards for statement balance. Ultimately after much arguing they agreed to waive fee THIS TIME. 
This whole fiasco made no sense to me at all. By the way I pay my bill in full every month. 
What I dont understand is why I would have to pay a fee for cash rewards that I earned using their card.
Consumer complaint received 2024-07-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

Original creditor : XXXX XXXXXXXX XXXX Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contact date XX/XX/XXXX End date XX/XX/XXXX Amount : XXXX I am a victim of identity Theft since XX/XX/XXXX This is not my debt.
Consumer complaint received 2024-05-15
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)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-15
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. (TN)

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Consumer complaint received 2023-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NJ)

Submitted my monthly payment with the XXXX XXXX XXXX in each amount of {$600.00} Dollars. 

Submitted XX/XX/2023 payment on XX/XX/2023 and it is still pending action. 

Submitted XX/XX/2023 payment on XX/XX/2023 and it is still pending action.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-15
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. (IN)

1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported.

2. What certified documents were reviewed to conclude your investigation?

3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7. If you reply yes to the above then : Who did you speak with?

What was the date?

How long was the conversation?

What was their position?

What number did you call?

What is the name of your employee that spoke directly to the above party? What is the position of your employee that spoke to the above party?

How long has that individual been employed by your company?

What type of training was provided to this employee in order to investigate items of this kind? Were there any e-mails or written communications between employees of your company and the above party?

8. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account ( s ) in question.

9. Please provide the date of the commencement of delinquency.

10. Please provide the SPECIFIC date reporting of this item will cease. 
Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within fourteen ( 14 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-15
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: OneMain Finance Corporation (FL)

On XX/XX/year> I was notified that One Main Financial checked my credit on my XXXX report. I did not give this company permission to check my credit and I have not applied for any of there services.
Consumer complaint received 2024-05-15
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 you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects above that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.
Consumer complaint received 2024-07-02
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: EQUIFAX, INC. (FL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX. I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIS
Consumer complaint received 2024-05-15
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. (IL)

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 2024-05-15
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. (UT)

In aquiring my credit report from XXXX, I see several inquires that are not mine, I did not inquire from these companies. I am seeking help to remove them from my credit report. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-15
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. (IN)

More than one issue. The information on my credit was merged with someone elses because our social security numbers differ by XXXX digit. I got his bad credit on my credit and it affected myself and family greatly. Had to call and report items for over a year and it was finally removed all of the items but my credit is bad still due to this even after a year or XXXX. 

The other issue is I have disputed a lot of other items on my credit as well and they are not removed. Along with negative items that were not removed and stayed on for longer than allowed. Which affected me in getting another vehicle.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

Credit reporting agencies have multiple charge offs on my credit reports. IRS considers any canceled or forgiven debt as income. Income is not allowed to put on my credit report. Credit reports are used to track my credit history. Credit reports do not include information about my income or employment status. 

XXXX shows 3 XXXX XXXXXXXX charged off Accounts & a charged off account from XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
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. (AZ)

To whom it may concern, I hope this message finds you well. I am writing to urgently address a serious issue regarding my TransUnion credit report. 

Upon reviewing my credit report, I was dismayed to discover the presence of a collection account that I have absolutely no knowledge of. After thorough investigation, I have determined that this entry is the result of fraudulent activity. In response, I have filed an identity theft report with the appropriate authorities. 

Despite my efforts to dispute this fraudulent collection account through TransUnion, I have encountered significant obstacles in the resolution process. Allow me to outline the sequence of events : * Request for Original Contract : I initially requested copies of the original contract pertaining to this account from the XXXX XXXX XXXX the purported original creditor. However, despite multiple attempts, I have not received the requested documentation. 

* Dispute with TransUnion : Subsequently, I filed a dispute with TransUnion regarding the fraudulent nature of this collection account. It is important to note that TransUnion is the only credit bureau among the three that reports this collection. 

* FCRA Compliance : According to the Fair Credit Reporting Act ( FCRA ), it is prohibited to report fraudulent or inaccurate information on consumer credit reports. This collection account, being the result of identity theft, violates these regulations and has inflicted critical damage to my financial standing. 

* Collection Agency : The collection account in question is currently held by XXXX XXXX XXXX XXXX, a collection agency. Despite my diligent efforts to rectify this situation, the account remains on my credit report, causing significant harm to my creditworthiness and financial stability. 

Attached to this message, you will find a copy of the identity theft report that I have filed. This document serves as unequivocal evidence of the fraudulent nature of the collection account. 

In light of the foregoing, I demand the immediate removal of this fraudulent collection account from my TransUnion credit report. I implore you to take swift and decisive action to rectify this egregious error and alleviate the distressing consequences it has inflicted upon me. 

Please keep me informed of the steps being taken to address this matter. Your prompt attention to this urgent issue is greatly appreciated. 

Thank you for your cooperation and understanding. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-15
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)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

15 U.s. Code $ 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and you are in violation of this law because i am a victim of identity theft!! these accounts should not be furnished on my consumer report as they are in violation!!! under, 15 u.s. code 1681b - permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written I've identified information on my credit report that is a result of identity theft. None of these transactions was made by me. Account Names as followed XXXX XX/XX/1923 XXXX
Consumer complaint received 2024-05-15
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. (CA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OR)

In XX/XX/XXXX, I was released from my job with XXXX XXXX XXXX and XXXX XXXX. At that time, I took advantage of the XXXX relief and went into forbearance on my mortgage with XXXX XXXX XXXX. In XX/XX/XXXX, my forbearance ended, and I attempted to take advantage of the loan modification process afforded to me. XXXX XXXX XXXX continued until XX/XX/XXXX to delay this. They kept giving me incorrect information and making me file unneeded paperwork in what I now see as an attempt to secure an interest rate more advantageous to their company. Instead of calculating my modification at XX/XX/XXXX interest rates, it was done at XX/XX/XXXX interest rates, which is a significant disadvantage to me. I made the three months of trial payments and complained and asked for help through XXXX of XXXX ; at the end of that period, my loan was passed to ShellPoint Mortage, who finalized my modification. This issue is brought up every month with them on a phone call. They have yet to respond and give me the one-month grace period at the end of the trial payments, not to make a payment as I had been part of the modification deal with XXXX XXXX XXXX. In the end, I have been required to pay every month, and now my payments are almost precisely what they were before the modification. XXXX XXXX XXXX  has a complete record of my calls and documents. I am asking : 1 ) My loan interest be adjusted to the interest rates of XX/XX/XXXX as they should have been when I requested the modification on the COVID-19 Forbearance program. 2 ) I am granted the one-month grace between the accepted modification and the payments under the new rate beginning. 3 ) My late fees be removed from my account with ShellPoint as I am behind due to unfair and underhanded practices by XXXX XXXX XXXX. Thank you,
Consumer complaint received 2024-05-15
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)

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Consumer complaint received 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (IL)

I have XXXX  of dollars of " unapplied funds '' in my account. Despite this, the company refuses to apply the money and now has sent me a foreclosure notice. HUD gave the company {$3900.00} for my loan, but it is just sitting there. I have called numerous times, and each time they " don't know what I'm talking about. '' I have escalated the situation and talked to one staff member who was encouraging and I thought would help, but never called me back. I tried to reach a manager, I was told I would get calls many times. No one ever called me back. The one person I did talk to even said there was something on my account about " winterizing '' my home. I have lived in my home continuously since XXXX  and it has not been unoccupied or winterized during that time. The company refuses to look at my account and apply funds, especially the HUD funds of {$3900.00}. When speaking with the company, they say they don't see those unapplied funds but I see them very clearly in my account and signed all paperwork with THEIR notary public to have these funds applied to my mortgage. 

XXXX {$160.00} Unapplied Funds XXXX {$3900.00} Unapplied Funds XXXX {$1000.00} Unapplied Funds XXXX Unapplied Funds XXXX {$1000.00} Unapplied Funds XXXX {$800.00} Unapplied Funds