davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
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. (OH)

In Acordance with the Fair credit reporting ACT Account : DEPT OF EDUCATIONXXXX : # XXXX {$1300.00} DEPT OF EDUCATIONXXXX : # XXXX {$1600.00} DEPT OF EDUCATION/XXXX : # XXXX {$3600.00} DEPT OF EDUCATIONXXXX : # XXXX {$5500.00} XXXX XXXX XXXX : # XXXX {$5500.00} Has Violanted my rights.

.15 USC 1681 SEC 602 A State I have the rights to privacy.

.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.
Consumer complaint received 2023-11-13
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: MOHELA (CT)

XX/XX/XXXX submitted a dispute to remove or show that my Mohela student loan was paid in full. XXXX told me that my dispute did not specify what I wanted them to do so I had to submit another one. I also submitted verification of the debt being paid in full which I had a letter from Department of Education detailing this back in XX/XX/XXXX. I submitted another dispute in XXXX which again verification was submitted. I contacted experian today ( XX/XX/XXXX ). I was told that documentation was never submitted to verify that my loan was paid in full by the first agent. I requested to be sent to another agent to reprocess the dispute. I spoke with this other agent who was able to see the documents that were uploaded prior but did not provide a reason why it was not sent before. 
In the mix of everything I had already spoke with Mohela approximately XXXX weeks prior and I was told that the credit bureaus would be notified by XX/XX/XXXX that the debt was paid in full. XXXX and XXXX have already sent me letters last week confirming that the debt has been paid in full but for some reason XXXX has not. I do not appreciate the way this has been handled by XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon looking through my credit report I noticed that XXXX XXXX documented a late payment to my account for XX/XX/XXXX which is inaccurate and false. My account has alwayts been pqaid on time since the opening of my account XX/XX/XXXX. I also noticed that the companies reporting dates of opening date and date ; ast reported is not congruent accross all three credit reporting agencies as well. This further shows that these items are innacurate. Please delete any and all late payments shown on my XXXX XXXX Account.
Consumer complaint received 2024-04-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to address a concerning matter regarding the accuracy of my Credit Report held by TransUnion. It has recently come to my attention that despite a previous deletion of disputed information due to fraudulent activity by another Credit Reporting Agency ( CRA ), TransUnion has yet to reflect this necessary correction in my file. 
On XX/XX/year>, I received notification of resolved from XXXX confirming the removal of the following account from my credit profile due to its inability to be verified. XXXX XXXX XXXX, XXXX action was taken in accordance with applicable procedures and federal regulations. 
In accordance with these procedures, I have ensured that all relevant data furnishers linked to this account, as well as other Consumer Reporting Agencies involved in the dispute, have been duly informed of its deletion due to their failure to substantiate its validity. 
Attached to this correspondence are documents verifying the removal of this disputed account from my credit file, along with evidence of its deletion by another CRA. It is crucial to emphasize that the continued reporting of this inaccurate account on my TransUnion credit report is not only a violation of federal consumer protection laws but also undermines the integrity of my credit profile. 
I respectfully request that TransUnion promptly rectify this oversight by expeditiously removing the disputed account from my credit report. Failure to do so may necessitate further escalation of this matter, potentially resulting in legal action or formal complaints. 
Your immediate attention to this issue is greatly appreciated. I anticipate a timely resolution to ensure the accuracy and integrity of my credit report, as mandated by law. 
Thank you for your cooperation in addressing this matter promptly.
Consumer complaint received 2024-04-15
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. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2019-11-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America engaged in the prohibited practice of Dual Tracking while my application for assistance was under review. 

I submitted my application was submitted timely and 37 days before the scheduled sale date of XX/XX/XXXX. 

Please see the attached documents! 

Federal Law Restricts Dual Tracking, The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. 

Among other things, the rules restrict dual tracking. The servicer can't start the foreclosure process if a borrower submits a complete loss mitigation application and the application is pending. This means that if you submit all of the required paperwork, the foreclosure can't start until the servicer informs you that you're not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout but fail to comply with the terms of the deal ( like not making payments during a trial modification ). 

12 C.F.R. 1024.41 governs a servicer 's response to a loss mitigation application.

12 C.F.R.1024.41 ( c ) ( 3 ) ( I ) ( D ) ( 2 ) provides that where a borrower makes the application and a judicial foreclosure has already been commenced, " the servicer can not conduct a foreclosure sale before evaluating the borrower 's complete application.

" Further, 12 C.F.R.1024.41 ( g ) prohibits a servicer from either holding a foreclosure sale or moving for a sale if a borrower makes a loan mitigation application within certain time constraints.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (TX)

I have sent this company a XXXX adhere this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company is not legally bonded and or insured to collect in the state of XXXX. please have this company cease all XXXX activities this my last attempt to complain outside of court. 

XXXX XXXX # XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Subject : Urgent Request for Documentation - Account Number [ Your Account Number ] Dear Sir/Madam, I trust this letter finds you well. I am writing to address a matter concerning the alleged debt associated with my account, specifically referenced under account numbers [ Account Number 1 ] and [ Account Number 2 ] that are also not reporting on my consumer report. As a responsible consumer, I have consistently sought to understand the details surrounding these alleged debts. 

Your recent correspondence indicates two accounts, one with a balance exceeding {$600.00}. My primary concern is to obtain accurate and substantiated information regarding these purported debts. To this end, I have repeatedly requested documentation, particularly Form 1099-C, which would serve as proof of the debt cancellation.

While I appreciate the complexities involved, the timely provision of Form 1099-C is crucial for transparency and compliance with tax regulations. However, my attempts to obtain this documentation have been met with responses indicating that there " isn't time for that. '' In light of your assertion that I owe these debts, I kindly insist on the prompt furnishing of the Form 1099-C for the specified accounts. In the event that providing this documentation proves challenging, I must emphasize that the accounts in question must be promptly deleted from my consumer report. 

Failure to furnish Form 1099-C or to delete the accounts from my consumer report will leave me with no choice but to escalate this matter further. I will be compelled to contact the IRS to report potential fraudulent activity, as the absence of proper documentation raises concerns about the legitimacy of these alleged debts.

I trust we can resolve this matter amicably, and your cooperation in providing the necessary documentation will be greatly appreciated.

Thank you for your immediate attention to this request. I anticipate your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

Toyota dealer from XXXX in illinois, charged me a down payment to order the car. However the car was not delivered the time they had agree. When I asked for my downpayment of XXXX back because I no longer needed the car, they refused to give back. They sold the car to someone else and I still dont receive my money back.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

on XX/XX/XXXX i had my bank account hacked and all my money from my savings transfered into my checking account and stolen from my checking account. I have no idea how my account was breached. I pursued claims with my bank ( wells fargo ) and they soon denied the claims and stated that the money transfers were authorized and that both claims would be closed. There was a total of XXXX dollars stolen from me and XXXX was from one savings account and the XXXX was stolen from another savings account. I am XXXX XXXX XXXX and a student and im very unsure of what to do and the steps to take forward. I was working on the XXXX and seen that money was missing and tried so hard to get things settled and when i was on the phone with the claims depertment they witttness them steal XXXX dollars from me and then decided to claim that my transfers were authoized and i truly feel like i am getting sweeped to the side and i need help.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC (MS)

FIRSTSOURCE ADVANTAGE LLC violated the CFPB debt collections rules, with a debt collections letter that was sent me dated XXXX. I observed the following violations : # 1 The letter was mailed to my place of business # 2 NO itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date # 3 NO information about my debt collection rights # 4 NO Information on how to dispute the debt # 5 NO tear-off form that you can send back to the debt collector to dispute the debt or take other actions. 

Pictures of the debt collections letter is attached.
Consumer complaint received 2023-12-02
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)

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 XXXX XXXX XXXX. 

has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-12-02
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. (IA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance Owed : {$1400.00}
Consumer complaint received 2018-11-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Trans Union received a letter from me on XX/XX/XXXX. In my letter, I had requested that they investigate accounts that were reporting erroneous information on my credit profile. They were supposed to respond with the results within 30 days. I did not hear back from them in that time-frame.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. The XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this 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.

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 2024-04-15
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. (VA)

I am writing to follow up on my previous complaint regarding the persisting negative accounts on my credit report. While I appreciate the deletion you have made, I am concerned about the recurring nature of these disputes and the lack of a satisfactory resolution.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Compliance with FCRA 605B requires the eradication of inaccurate accounts from my credit report. Could you please examine the documents? Certain listed accounts demonstrate reporting inaccuracies and must be eliminated without delay.Compliance with FCRA 605B requires the eradication of inaccurate accounts from my credit report. Could you please examine the documents? Certain listed accounts demonstrate reporting inaccuracies and must be eliminated without delay.
Consumer complaint received 2023-12-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (FL)

They did not perform an escrow analysis in the second year of the loan ( we are going into the XXXX year ). We were then hit by hurricane XXXX and they then notified me of the dramatic increase in escrow and told me it all had to be paid back in an unreasonable amount of time. I have since had the death of my sister, my father, and my mother and they are denying me service completely. They will not speak to me and are now sitting on insurance money and have stated that they will sit on the insurance money indefinitely if they do not receive receipts. I have told them, receipts do not exist. 

Planet home lending has been rude, condescending, entirely unhelpful in my family 's time of great need.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (IL)

I have requested that these accounts to be removed as these are inaccurate reporting on my credit file. I spoke and discussed this already and they haven't made any progress at all. I want these accounts to be removed if not I will have to receive settlement for about {$1000.00} from these violations in terms of the FCRA
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, at approximately XXXX XXXX XXXXXXXX XXXX I attempted to advance to myself online {$50.00} from my HELOC account ending in XXXX that was opened on around XX/XX/XXXX. The amount of the line of credit was {$180000.00}. At the time of opening, I was informed I would be able to draw on this account up to that amount at my request for a minimum of 10 years. However, my attempt to advance myself on the referenced date was denied even though there was XXXX dollar balance on the account and XXXX money owed. A pop-up window instructed me to call XXXX. Looking at the information on my account I saw on XX/XX/XXXX " Place Adv Block. '' I assumed I was being blocked from making advances and called the XXXX number to confirm. The first rep I got, XXXX, confirmed that I could not get an advance. I explained that I was just charged {$65.00} on XX/XX/XXXX for " LOC Annual Fee '' and told him if I was blocked from taking an advance then I demanded my {$65.00} Annual Fee returned and the account closed, since a new HELOC one can not draw on is worthless. And I was being charged for this worthless product. XXXX attempted to try to explain to me why this was the case and I cut him off and told him I didn't care the reason, just close the account and refund me. I called him a name, and he hung up the phone on me. I called back and this time got XXXX. She wouldn't give me her last name but did give me a company ID of XXXX. I told XXXX about my experience with XXXX and that I wanted a refund of the annual fee I had paid and to close the account. She put me on a brief hold and when she came back she told me I could only do this in writing but did not give me the address to send the written demand to. I asked her if there were any hidden charges I would incur. I asked her for a straightforward yes or no answer to a straightforward yes or no question. She hemmed and hawed and eventually said " I don't perceive any. '' I asked her to please answer yes, no or I don't know ( as I was short on time ) and she too then hung up the phone on me. I called back but got a message that the department was closed for the day. I want my {$65.00} returned, and this worthless HELOC closed. I spent about an hour dealing with this issue so I also want to get paid for my time. My rate is $ XXXX. That comes to a total of {$940.00}.