davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$330.00} XXXX XXXX Balance {$29000.00}
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NV)

It's been ongoing with Target. I am unable to fly and therefore, I am unable to use a credit from the airline that was charged to my account on XX/XX/XXXX in the amount of {$420.00}. I sent Target the letter from my XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX certified mail which they received on XX/XX/XXXX. All they have done at this point was put the amount back onto my credit card and they are telling me to pay it. In addition, because I haven't paid it they will damage my credit. They are totally siding with the merchant and not the customer. Keep in mind they reversed the amount and returned the {$420.00} to me in XXXX after I demanded the payment be sent to me in a letter to them sent certified mail on XX/XX/XXXX that they received on XX/XX/XXXX. I am at a loss at this point. I feel that I am being told to pay for something that I can NEVER use!
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I was removed as an authorized user from my wife XXXX XXXX XXXX account. It is still reporting me as a user on my credit report. I have already filed a complaint to have this issue resolved and nothing has happened. Complaint number XXXX.
Consumer complaint received 2023-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The dates include : XX/XX/2023 to Current. The previous amount is XXXX. No action has been taken by the company other than their willful intent to defraud and operate in dishonor. On XX/XX/XXXX, I received shows the company incompetence of the law. They continue to return all of my request and legal presentments. I have attempted to resolve this matter.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (FL)

I am not liable for this debt with XXXX XXXX and I do not have a contract with AFNI plus they did not provide me with the original application like I asked. 

Account XXXX Amount Disputed : {$2100.00}
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LoanCare, LLC (NY)

I was in the process of procuring a partial claim with LoanCare. Loan Care stated they did not receive my paperwork, even though I received a letter from them saying they did. Loan Care referred my loan to their attorney, who in turn filed a foreclosure action on XX/XX/. Prior to the foreclosure action being filed against me, I had listed my home for sale, and it was under contract as of XX/XX/. I let the attorney for LoanCare know this on XX/XX/, and the attorney for LoanCare indicated they were told by their client to file the foreclosure action anyway. Because of this, the payoff on my loan is now almost {$20000.00} more than the principal balance, and I can not close on the sale of my home. LoanCare never sent me a notice saying they were putting me info foreclosure. I only found out about it when I called LoanCare to get a payoff figure for my loan at the end of XXXX. 
I am now in foreclosure and have been threatened a breach of contract lawsuit against the would be buyers of the house, since I can not close due to lack of funds. 
No one from LoanCare will return my calls. I have called XXXX XXXX and XXXX XXXX in the Office of the Customer and left numerous voicemails. I have sent emails to XXXX as directed. They simply will not respond. My real estate attorney has requested information and they refuse to cooperate. I'm at a complete loss and this is financially ruining.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX continues to violate the law claiming that the information they are furnishing is 100 % accurate and complete, when in fact it is not the case. Again, caught in a lie, I have uploaded the document where they show the balance that is owed. The amount owed on their invoice shows XXXX but on my credit report with Experian it shows {$9200.00}. Clearly, they are not reporting 100 % accurate information, and I demand that they remove the account immediately from my credit report. They continue to play around and justify their incorrect reporting, but it seems that recently XXXX got caught misreporting and tarnishing people 's credit report with incorrect information, straight from the cfpb website. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-toyota-motor-credit-to-pay-60-million-for-illegal-lending-and-credit-reporting-misconduct/ Specifically : Furnishing false data to consumer reporting companies : XXXX XXXX XXXX falsely reported customer accounts as delinquent for failure to make monthly account payments even though customers had already returned leased vehicles, and the company did not promptly correct the negative information it had sent to consumer reporting companies even though it knew it was wrong. XXXX XXXX XXXX also failed to maintain reasonable policies and procedures to ensure payment information it sent to consumer reporting companies was accurate.
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2018-11-28
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: Medical Data Systems, Inc. (MD)

XXXX has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-04-19
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (TX)

On XX/XX/XXXX I called Roundpoint mortgage company to discuss the ongoing issue with my escrow accounts. I had received a call from a representative earlier that day or possibly the day before stating for me to call them. I I was told that the representative only called to inform me that they were working on the issue they provided no additional details. The representative in the call on XX/XX/XXXX asked me what the issue was. I explain the issue with the escrow account that is the subject of my other pending complaint with the CFPB for Roundpoint mortgage. At that time she informed me that my escrow was - {$400.00}. She explained that this was approximately two months worth of PMI payments. I explained that the PMI on my account had been removed as of XX/XX/2023, she told me this must have been the remaining from the PMI Advanced payments. She stated on this call for me to pay {$400.00} and then the escrow would be positive and she could simply request the escrow be removed from the account. I made the payment for {$400.00} that day. Today is XX/XX/XXXX and I checked my online account and I noticed that this payment has been misapplied. The payment has been applied to the principal balance which is not what was discussed during the recorded call on XX/XX/XXXX. It is my belief this was purposefully done to prevent the escrow from becoming positive, thereby, allowing for it to be removed from the account. 

My principal and interest payment is approximately {$2200.00} however, due to all of the mishaps with the escrow that are the subject of my other pending complaint they have me paying {$3300.00} a month. Each time the representative informed me an amount needs to be paid to remove the escrow I pay it like the XXXX and the {$400.00} but I am still waiting on a resolution to my prior CFPB complaint in for my payments to be applied properly. This is all an attempt to prevent the removal of the escrow account.
Consumer complaint received 2024-04-19
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. (GA)

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. This account XXXX : Account number : XXXX is not complete and it's not accurate. 

XXXX XXXX : Account number : XXXX is not complete and it's not accurate. 

XXXX : Account number : XXXX is not complete and it's not accurate XXXX XXXX  : Account number : XXXX is not complete and it's not accurate I sent to XXXX on XX/XX/XXXX, asking them to reinvestigate the accounts above and here is my tracking number : XXXX XXXX XXXX XXXX XXXX I got the investigation back but noticed nothing was modified or updated. According to 15 USC 1681 ( 5 ) So I sent a letter on XX/XX/XXXX requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 16811 ( 7 ). I did not receive description of the reinvestigation
Consumer complaint received 2023-11-22
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: Experian Information Solutions Inc. ()

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian Fraud Department XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX  XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX 
Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals OfficeXXXX XXXX XXXX XXXX, and Federal Trade Commission ). 

Sincerely yours, XXXX XXXX
Consumer complaint received 2024-04-19
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. (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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX  : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (OH)

Upon reviewing my credit report, Ive noticed a collection agency ( National Credit Systems ) which ive never authorized to obtain or furnish my personal information reporting a past due collection debt of {$450.00} dating XX/XX/year>, on behalf of XXXX XXXX XXXX XXXX which also states the associated account is paid and never late.
Consumer complaint received 2023-12-19
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)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (AK)

I applied for the SAVE plan on XX/XX/XXXX. The StudentAid website showed that it was processed on XX/XX/XXXX. Several days pass, and I call Nelnet. I have to wait for over two hours before someone answers the phone and says it should take less than 30 days for my application to be approved. It is now XX/XX/XXXX, and I am still not on the SAVE plan. I want to be put on the SAVE plan immediately, or at the very least, an accurate estimated time of when I will be put on the SAVE plan. Nelnet has also failed to send me email updates every ten days.
Consumer complaint received 2023-04-20
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$21000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2024-04-18
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. (IL)

I XXXX that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-11-22
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. (IL)

I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.
Consumer complaint received 2023-11-22
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: Experian Information Solutions Inc. (PA)

I XXXX XXXX currently have some Fruad inquiries on my credit report I have listed inquiries below. 

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 Please remove it from my credit report
Consumer complaint received 2023-11-22
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maximus Federal Services, Inc. (GA)

My name is XXXX XXXX XXXX. My date of birth isXX/XX/XXXXMy social security number is XXXX. You are listed as a student loan servicer or lender on credit reports about me. You have reported various account information data related to the alleged loans concerning me. Note I do not agree with the various account information that you are reporting about me. Assist me in the verification of the alleged student loans you are collecting and your legal status. Please send me a copy of all promissory notes of all student loans that you service related to me. Please send me a copy of the promissory note for any and all student loans that you originated. Please send me a copy of any assignments of the promissory notes for the related student loans. Please advise me whether you are the loan originator, servicer, and/or debt collector for the loans. Kindly provide this information to me in writing by mailing it to my address above within 30 days. Out of an abundance of caution cease and desist any and all credit reporting of the related accounts. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.