davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I had an account with mariner finance that has been paid for 3 months now. Over the last three months my the account has been reflecting open and then closed resulting in my credit score changing by over 50 points each time. This is really difficult to maintain credit and purchase a home because this account keeps reflecting negative and positive ever few weeks. This has affected a job offer as well as home buying process.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my XXXX XXXX. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states 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. 

I never received a XXXX form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2024-01-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

This all started with Lakeview did not pay my property taxes on time ( as required from my escrow ) and I received a foreclosure notice from the county. I contacted Lakeview and they finally paid the taxes late on XXXX. Due to their error- my monthly mortgage payment went from {$1400.00} ( important to note for later that my interest rate was only 2.99 % ) to {$1700.00}. Unable to pay that amount at the time- I entered into a 6 month forbearance agreement in XXXX of XXXX. 
I was approved for a loan modification XX/XX/XXXX after my forbearance ended that made my payment {$1300.00} and increased my interest rate from 2.99 % to 3.125 %. This was fine because it accounted for the 6 months of payments I did not make on forbearance. 
XXXX : Lakeview mailed the 3.125 % modification documents to sign and notarize dated XXXX however I could not because the documents still listed my ex 's name on them and also requested his signature. EVEN THOUGH THERE WAS A FOOTNOTE LISTING THE DATE I ASSUMED THE DEED XXXX. I reached out to Lakeview and they apologized and said no worries they'd express mail a corrected copy. 

XXXX : Received a modification package that was NOT corrected. Still listed my ex 's name. Instead it increased the interest rate to 4.125 %. Reached out to Lakeview again. They apologized again and accepted fault and said not to worry a correct package would be on the way immediately. I still went ahead and made the proposed loan modification mortgage payment that was due. 

I e-mailed and called weekly if not daily to get this resolved as it was affecting my life afraid of losing my home due to no my fault of my own. I was passed around to so many different departments and managers. Told I'd be called and wasn't. I received forclosure and deliquency notices the whole time. Absolutely frustrating and terrifying. 

XXXX I received a corrected modification package with solely my name. This time the rate increased to 5.125 %. I called about the rate increase and was told by several different agents that they couldn't do anything about it. Out of options and afraid of losing my home- I signed and it's the current mortgage rate I have. 

I went from a 2.99 % interest rate to a 5.25 % rate due to Lakeview 's carreless errors. They failed to pay my property taxes and I was penalized. They failed to produce corrected documents and I was penalized. My mortgage payment now is more than I can handle and it's been a huge burden. I didn't realize there was a way to report Lakeview/Loancare until I did stumbled upon a link online with a person who had gone through something similair and got results from CFPB. 

I have included all supporting documentation. Including- proof my property taxes were paid late by Lakeview , e-mails to Lakeview about incorrect modification packages, the modification packages with my exe 's name while also showing the deed was only in my name, etc etc.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (LA)

My wife and I applied for a mortgage refinance. The lender obtained a report from Experian. Experian then sold my information and the fact that I was seeking a mortgage to multiple other lenders. As a result, I, my wife and our business has been inundated with phone calls. So many calls that I can not operate our business as the phones are ringing constantly. 

My personal phone is ringing as I am typing this. I simply can not answer my phone.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-18
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, I think, requires us to delete any wrong accounts from my credit report. Can you please check the documents? Some accounts listed are wrong in how they're reported, with wrong amounts and dates.
Consumer complaint received 2023-11-26
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. (LA)

These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX  THIS LETTER IS REGARDING THE ACCOUNT LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PR)

I have requested to XXXX XXXX ( Now XXXX XXXX ) and to credit bureaus Experian and XXXX to reinsert my mortgage loan into my credit and my wife credit report. 

XXXX XXXX ( XXXX XXXX ) has confirmed by written on XX/XX/XXXX and XX/XX/XXXX that they have reported the loan for reinsertion to all credit bureaus nonetheless the information still missing on Experian and XXXX. 
Dispute has been opened on XXXX and Experian on XX/XX/XXXX and XX/XX/XXXX. No response has been obtained from the bureaus mentioned above. This is negatively affecting my score. 
Both bureaus Experian and XXXX had been irresponsible and had failed to follow the laws that require them to report accurate information.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi Im reaching regarding to my saving XXXX account at the moment that was a saving account. I was being charged for overlimit fee {$60.00} a month for 3 months in XXXX XXXX XXXX and XXXX. I had asked you before about the reimbursement but got denied by customer service every time. The reason I had to do transactions on saving instead of another checking account which lead to this overlimit fee are 1 ) my XXXX checking account was negative due to excessive overdraft and nsf fees that Bank of America charged me on the same transactions while the balance was already negative. 2 ) I needed to pay interest of Bank of America credit card to avoid the late fee and interest that could be combined and included in the original amount I owed. At the moment, my checking account was negative if I deposited to that account, I would not be able to pay the minimum payment of credit cards. Therefore, my only option was to deposit to saving instead of checking to avoid the late fee and also in order to transfer a part of it to my landlord for my monthly rent. 3 ) I understood that I should not do services with the bank tellers. But since you limited hours during the COVID, and customers did not want to be in closed space so majority of the customers used the atm outside. The line was long since the atm was not sufficient to all customers. Especially in XXXX XXXX, the branch was closed very often and only 2 atm outside and 2 in drive thru. Outside atm machines were 1 working but out of money and 1 not functioning. On the drive thru, they are working but out of money. Therefore before bank even open, it was common to see customers waiting in line outside to see bank tellers because of atm machines were not operating. I dont think charging me {$60.00} a month for overlimit fees was fair since bank inappropriately added nsf fees or overdraft fees to my account in XXXX that around {$1000.00} was charged on XXXX for nsf fees. Therefore, I left no choice to use my saving Account to pay bills which eventually caused me {$60.00} overlimit fee for 3 months. Also, atm outside were never property maintained and left customers to see tellers inside the bank only. 

Also I am not sure what is the different between nsf fee and overdraft fee. Since Bank of America uses them interchangeably. For the same merchant that charged on my account while it was already negative. they appeared as overdraft or nsf fees interchangeably attached pictures.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Reporting agencies XXXX and Experian continue reporting incomplete and inaccurate information on my credit report even though when my initial inquiry was submitted to the CFPB they claimed to have updated and removed all inaccuracies. According to the Fair Credit Reporting Act " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected within 30 days ''. I need to have this account being reported inaccurately removed from my credit history this will be my third complaint to the CFPB. I went ahead and reached out to the original creditor directly in order to verify the account information with them. I have attached that letter below as well as their response to that letter. The account information was not verified as they only responded with statements of the account history and no documentation possessing my signature or any other such documentation and the account mentioned in their response letter was not the account listed on the credit report sent over to them ; as you can see from the copy of the credit report attached below. Therefore the information from both parties is incomplete and inaccurate and should be removed.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Accounts 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX. XX/XX/2022 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 2023-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (FL)

As per 15 U.S. Code 1681s2, 15 U.S.C. 1681b, this company ( CHASE ) JPMCB CARD SERVICES has violated my rights as a consumer the creditor has already filled as a loss/charge off and it isnt disputable debt it is now considered as income according to the IRS is taxable income and I havent yet received my 1099c
Consumer complaint received 2024-05-25
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. (CA)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance {$9500.00} XXXX CARD XXXX Balance {$870.00} XXXX XXXX XXXX Balance {$91.00XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXXXXXX Balance {$600.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-05-25
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. (GA)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-05-25
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: Experian Information Solutions Inc. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : $ {$6000.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX AXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX. Acct # XXXX {$570.00} I have sent this company a debt validation letter twice and to date they have never responded. 

Midland Credit Management. Acct # XXXX I have sent this company a debt validation letter twice and to date they have never responded
Consumer complaint received 2024-05-25
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. (AL)

Under FCRA 605B, we are required to eliminate any false accounts from my credit history. This entry is inaccurately listed and needs to be removed. I am eligible for {$1000.00} for each incorrect report on my credit file.