davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Denefits LLC (FL)

On XX/XX/2021, I engaged the services of a credit repair company, which subsequently retained a financial services company to manage my monthly payments. However, an employee of the credit repair company ( later revealed to be a scammer ) contacted me the day after I signed up, warning me about the company 's unethical practices and advising me against proceeding. Despite this, I continued with the services, only to find that the company failed to deliver on its promises and eventually went out of business. 
To my dismay, the financial services company continued to report negatively on my credit for non-payment, despite the fact that the credit repair company had failed to provide the agreed-upon services and had ceased operations. Upon reviewing the contract, I discovered that there was no provision holding me responsible for monthly payments in the event of non-rendered services or company insolvency. 
I have obtained a copy of the contract and have previously succeeded in having the negative marks removed from my credit report. However, the financial services company has since found a way to reinstate these marks. I am seeking to have them permanently removed, as the services were never rendered, and the credit repair company had hired a scammer who had access to my personal information, as well as that of my mother.
Consumer complaint received 2023-05-26
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: RC Willey (GA)

I am writing to bring to your attention an item on my credit report that requires immediate attention and resolution. The item in question pertains to a charged off account from RC Willey. Despite my efforts to settle the account by contacting the original creditors, I was informed that RC Willey no longer had the account, and it was transferred to XXXX XXXX On XX/XX/2020, XXXX XXXX XXXX to my debt validation letter, confirming that the item would be removed. However, to my dismay, the RC Willey charged off item is still appearing on my credit report. 

I kindly request that you thoroughly validate this item and take the necessary steps to promptly remove it from my credit report. The transfer of the account to a third party, XXXX XXXX, should have resulted in the removal of the RC Willey charged off notation, as confirmed in XXXX XXXX 's response to my debt validation letter. Therefore, it is imperative that this incorrect information be rectified as soon as possible. 

To assist in the validation process, I have enclosed a copy of the letter received from XXXX XXXX, dated XX/XX/2020. This letter explicitly states that the item would be removed from my credit report. I trust that this documentation will serve as substantial evidence supporting my request for removal. 

It is vital for the accuracy and fairness of my credit report that this matter be addressed promptly. The presence of incorrect information can have a significant negative impact on my creditworthiness and financial opportunities. I appreciate your attention to this matter and your swift resolution. 

Thank you for your cooperation. I look forward to receiving written confirmation once the RC Willey charged off item has been validated and deleted from my credit report.
Consumer complaint received 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I refinanced my mortgage through my existing mortgage holder, 5/3 Bank, in XX/XX/XXXX. At the time I refinanced, my property also had a {$3000.00} special purpose credit program forgivable loan with XXXX XXXX Bank. The XXXX XXXX Bank forgivable loan closed in XX/XX/XXXX and I had been under the impression, based on information that closing agent had informed me, that the interest only payments on it would be accelerated if the loan terminated prior to the stated 3 years for the loan to be forgiven, but that the loan would otherwise be forgiven. During the refinance process with 5/3 Bank, I was informed that the XXXX XXXX Bank closing agent had been incorrect on the interest only payments being accelerated and that the loan would either need to be paid in full or held for a specific period of time. I asked if the loan with XXXX XXXX Bank could be subordinated. The person in charge of the XXXX XXXX XXXX informed that the product would only subordinate if I was refinancing with them. When I asked where in the loan documents I signed did it say that, he stated that they would make an exception for me and would subordinate the loan so long as 5/3 Bank requested it. I went back to 5/3 Bank with the form necessary to subordinate the loan so that I would not have to pay the full amount of the forgivable loan. The 5/3 loan officer who assisted me with the refinance informed me that they could not do a subordination on the mortgage due to the product they were refi-ing me with ( easy home refinance ) would not allow for it. I contacted the XXXXapproved mortgage counselor who I had spoken with prior to beginning the refi. She researched it and spoke with the community lending manager at 5/3 and was informed that it was feasible for the loan product to have a subordination. When I provided this information to the loan officer, she told me again it wasn't feasible. I had to make the decision of proceeding with the refinance with the interest rate from when I started the process or continue to challenge to have the forgivable loan subordinated so that I would not have to pay it back. I chose to close the refinance and pay back the forgivable loan in full.
Consumer complaint received 2024-03-27
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. (AL)

In accordance with the Fair Credit Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 1681 Section 604 and Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under a open end consumer credit plan as a late for any reasons.
Consumer complaint received 2023-02-03
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. (MN)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Transunion on XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

Carrington Mortgage Services took over servicing my mortgage, I paid extra every month and for the 1st several months ( 3ish ) they applied the extra to the principal of the loan, then in XX/XX/2017 they recalculated everything and used the extra money to apply to future payments they sent my statement claiming I was late on my payment and over due by {$45.00}! I called them and in XXXX I got them to revers this and reapply the extra money back to the principal of the ( VA ) Loan. I asked for a pay off statement and had XXXX send Carrington a " Bill pay check '' for the full amount. They applied it as a normal payment so I called. 3 different Carrington employees went through the issues with me and said they would " take care of this issue an I should consider my mortgage paid in full '' and that the Escrow balance would be returned to me. XX/XX/2017 I received a call from XXXX on my answering system. I called Carrington and XXXX could not be found, I was informed that I would need to make yet another payment because they did not consider the XXXX bill pay check " Certified '' I spoke to a supervisor and informed him that 3 of their employees had said that my mortgage should be considered paid in full, he said he could not follow through with that and I could send a letter asking them to use my Escrow balance to pay the loan. I asked for a new pay off to be sent and he 1st said I would have to send a letter to request this. They currently say my payment is over {$500.00} but the last bill they sent me shows the principal to be {$250.00} ( XX/XX/2017 ) and the escrow to be {$340.00} and Total Amount Due {$640.00}. The math adds up to theft! 
I 'm waiting for a new pay off statement so they can rip me off again! The lender has huge numbers of complains DO SOMETHING!
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Charge Offs are income. Congress states no income can be reported on ones consumer credit reports. According to 15 USC 1681 ( 2 ) ( a ) ( i ) no transactions or experiences can be reported. Income is transactions and experience. The IRS expects you to file it on your tax return as income. I should've received a 1099C or 1099A which I havent. NEVER gave any consumer reporting agency WRITTEN CONSENT to put anything on my consumer report which violates my rights as a federal protected lumer. NO CONSENT IS IDENTITY THEFT
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NY)

CCB/CHLDPLCE
3 LATE PAYMENTS
Credit usage
100%
Balance XXXX  Balance updated XXXX XXXX XXXX
Credit limit XXXX
Account info
Account number XXXX  Open/closed
Closed
Date opened
XXXX XXXX XXXX
Account type
Revolving account 
Status
90 days past due
Status updated XXXX XXXX
Past due amount
XXXX
Highest balance
XXXX
Monthly payment XXXX
Contact info
Address XXXX XXXX XXXX XXXX, OH XXXX
Phone number
None provided
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE  IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO "FAIR CARES ACT" ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2023-04-10
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. (FL)

On XXXX/2023 they said that they deleted all the fraudulent inquiries, today is 0XXXX/2023 and those inquiries are still on my credit report, even tho I sent them FTC report several times via FAX, MAIL, and CFPB portal.
Consumer complaint received 2023-05-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Dear Consumer Financial Protection Bureau, I am writing this letter to report a violation of the Fair Credit Reporting Act ( FCRA ) by a creditor. I recently checked my credit report and found that the creditor had listed inaccurate information, which has negatively affected my credit score. The creditor did not follow the regulations laid out in the FCRA, which mandates that creditors must report accurate information to the credit bureaus. 

According to the FCRA, if a creditor fails to report the correct information, they have committed a violation that can be reported to the Consumer Financial Protection Bureau. I hereby request that an investigation be conducted into this matter so that the creditor can be held accountable for their actions. Additionally, I urge the bureau to take necessary action and ensure that the creditor corrects the inaccurate reporting to the credit bureaus. 

I believe the creditor has violated the law and my rights under the FCRA, and I request appropriate legal action to be taken. Thank you for your attention to this matter, and I look forward to receiving your response. 

Credit Report XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX Bank of America XXXX Bank of America  Disputed all inquiries 5 times Sincerely,
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (SC)

The account was for a security system. XXXX Account XXXX I tried to pay the amount owed, however they said it had been turned over to Southwest Credit.  When I contacted Southwest Credit they said they did not have a file on it. 

So I tried again to pay XXXX Account XXXX. I have emails that I sent attempting to pay. I also have screen shots of where I attempted to pay online, but was they would not take payment. 

I was contacted by someone from Southwest Credit after a couple of weeks of not being able to pay XXXX directly. 

I told them I would pay, if they would change the negative report. The lady with Southwest Credit was extremely rude, and I told her that I would pay the amount but I wanted the negative information on my credit taken off since I attempted to pay before it was turned over to the Southwest Credit agency. It took them over two weeks to even verify that they had the file. 

This was for a XXXX security system that we have never used. The salesperson told me that we could cancel at anytime, and that it was a two year contract. XXXX was a 5 year contract ) I could not see the small print, so for that I am at fault for trusting the XXXX representative. 

I am unable to add the screenshots and emails from your website. The dates were XX/XX/XXXX through XX/XX/XXXX. I was not contacted again by Southwest Credit, for 2-3 weeks after I contacted them  regarding the file. They said they did not have file during this entire time, and XXXX would not take payment because they said they had turned over to Southwest.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : AM XXXX XXXX  XXXX
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (NV)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of Equifax Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have contacted Trans Union and XXXX XXXX. I made the request several years ago to Trans Union and all of the past collection agencies claiming that I owed a debt to XXXX. I settled all of my prior debts with XXXX when I received my final bill prior to changing carriers. I 've disputed this for the past three years. 

Starting in late XXXX I began to receive letters claiming I owed this debt. I knew I did n't and waited patiently for Trans Union and the pool of collection agencies to realize that. I request on numerous occasions that I receive a copy of my original last itemized bill from XXXX. Trans Union nor any of the collection agencies honored my request. 

This Derogatory Public Record has cost me years of lower interest rates, possible credit and new job considerations. There should be some form of monetary restitution. Credit Bureaus and Collection Agencies must do a better job of investigating the facts before this irreversible damage is done to consumers. " This is egregious, and worse than, " Identity Theft. ''
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm asking you to change this doubtful data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am contacting you about the compromise of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Listed Below : XXXX XXXX XXXX
Consumer complaint received 2024-03-27
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. (NY)

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately. That being said the removal of XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account. # XXXX, XXXX XXXX  account # XXXX.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XXXX XXXX XXXX  but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Graduate Resource Network (HI)

I've been making monthly payments in the promise of student loan forgiveness and I was unaware that I was making payments to a 3rd party company. That company is Graduate Resource Network. They told me they were directly affiliated with the Department of Education, but after a conversation I just had with XXXX XXXX XXXX, I realized I've been paying Graduate Resource Network commission and not paying directly towards my student loan relief. 

XXXX XXXX recommended I reach out to your office and see if there is anything I can do to get refunded and get on the appropriate track towards student loan forgiveness. 

Thank you so much for any and all help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX