davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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. (FL)

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and TransUnion are classified as consumer reporting agencies, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. Also, pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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 yearsXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) is reporting these items ( EXHIBIT A ) without my consent and in violation of their own privacy policy. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, XXXX, XXXX and TRANSUNION are in violation of this. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you verbal/nonverbal/written/ and/or otherwise expressed. I am now rescinding the authorization per 15 U.S. Code 6802 and 12 CFR 1016.7 effective immediately and indefinitely.
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC. (PA)

XXXX Habitat for Humanity is in violation of our clients right to counsel and RESPA guidelines - we have attempted to contact the lender and opposing counsel since XX/XX/XXXX for loan information and to discuss a workout option for the client via loss mitigation - the lender and or opposing counsel was contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, No one has responded to our voicemails left for each - each time we have reached out to them no one has returns our call and at this point they are unwilling to assist this client in a workout option.
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I checked my credit report and saw that there is a XXXX against me. The reference number is XXXX. I DO NOT have contract with Capital One Bank USA, NA. This account is showing as being paid in full. This has been going on for more than 7 years and they have refused to remove it from my credit which is affecting me because I can not buy a house unless this XXXX is removed/deleted from my all XXXX credit report agencies. 
Public Record Details Reference Number XXXX XXXX XX/XX/2013 Status XXXX Amount {$1500.00} Classification XXXX Type XXXX Contact Details : XXXX STATE COURT XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2022-12-21
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: SYNCHRONY FINANCIAL (NV)

I noticed a SYNCB/PPL account on my XXXX XXXX credit report a few months ago. I have never had any dealings with this bank nor have I ever applied for credit with Paypal ( PPL ). The report lists what I believe is an amount of credit extended and an amount due but it does not explain and I have never received any notification of this activity. It does however lower my credit rating. I called XXXX approximately XXXX months ago and my complaint was assigned a case # XXXX. I was placed on a conference call with XXXX XXXX of XXXX and a male bank representive of SYNCB and at the conclusion of the call was told that by the bank rep that it is a fraudulent account and that within 60 days it would be removed. Subsequently the balance disappeared but the account remained on the XXXX online " XXXX XXXX '' report. In XXXX I noticed a new unpaid balance of approximately {$1000.00} on the report which again lowered my credit rating. I called XXXX again and was referred to an XXXX representative, XXXX XXXX , with a case # XXXX. On XXXX XXXX she gave me a dizzyingly long list of reports I needed to file and contacts I needed to make to file a complaint. Today I tried to follow up with XXXX online and was given another report # XXXX for obtaining information. However I was informed that getting information would require that I have a long list of identification documents that I do not have, : government-issued ID card, such as drivers license, copy of utility bill, etc. I am a retiree and for the past XXXX years I have been a full-time traveler in countries not in the U.S. I have a U.S. passport, a Social Security card, and a mail-forwarding address in XXXX XXXX , Nevada. I do not own property and have no permanent residential address anywhere. 
Your help is requested in removing this fraudulent account from my credit report. 
I can be reached at XXXX, or by phone at my current temporary location, XXXX XXXX XXXX ( through XX/XX/23 ). Thank you.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My Only name and address is what's provided on this complaint. 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2022-12-21
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. (MI)

I have a XXXX  on my trans union report I have sent dispute letters from the courts, XXXX XXXX  an XXXX XXXX  XXXX that the information on my report is incorrect i ask for the info to be removed trans keep saying its accurate i have sent the letter over to trans union to show that thr info is wrong they keep reporting this its been 7 months they are not giving me any correct info its hurtin my credit i have put a freezee on my report
Consumer complaint received 2023-04-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (MA)

Used affirm to purchase event tickets for XXXX XXXX  - event was cancelled. Put through my disputes with my credit card & they took the money from affirm. Affirm then said they were going send that to collections & charged off, I paid {$580.00} more to not have it be charged off & not affect my credit. The event didnt happen so I shouldve never had to pay them the money again anyways as the services were not provided. I did contact affirm but they did not seem to care.
Consumer complaint received 2017-03-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

On a few occasions, I have been late with a 2nd mortgage payment with Springleaf ( now One Main ). The online portal will represent that I owe for two months. When I pay for two months, they always credit the first month and then apply the rest to additional principal. This results in harassing phone calls about overdue account and a lengthy phone call with them where they have to go back and research payments for a year to finally agree that they misapplied the payment. Sometimes it takes several calls and several different people making several attempts to adjust this payment. Are n't these institutions held to some sort of standard to apply payments to outstanding balances before applying payments to additional principal?
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (MA)

I redeemed my EARNED rewards with Comenity Bank on XX/XX/2022 and XX/XX/2022 with the direction to direct deposit to my bank account. I received XXXX separate e-mail confirmations regarding the transaction and NEVER received the deposits from Comenity Bank. I have called - spoken to half a dozen people - service account Managers, customer service representatives, senior account specialists - you name it. I have written e-mails and letters through the mail to resolve this and get my money. They have told me they have filed a DISPUTE. IT'S *NOT* A DISPUTE - IT'S *MY* MONEY!!! They said it could take up to XXXX days to resolve!! All they have to do is look in their records and see that it was not completed and initiate it. THIS IS OUTRAGEOUS. Please see attachments for the email confirmations. this has been going on for MONTHS now. No one will help me and resolve it immediately- they say I have to wait until the " dispute '' is resolved. They can certainly take my money or charge something within seconds on my account, but they can not rectify my EARNED rewards. 
XXXX. XX/XX/2022 - rewards redeemed : {$660.00} XXXX. XX/XX/2022 - rewards redeemed : {$130.00} Comenity Bank has STOLEN my money, and refuses to look into this in a timely manner and see that they did not fulfill their contractual obligation. 

If for some reason, the attachments I attached do not download correctly, I have them - I have them in XXXX format and hard copies. I have all proof of transactions I made and that Comenity Bank did not fulfill.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I try to dispute items and was unable to dispute online. I keep getting error message with new credit report I view online on Sunday XX/XX/2017 and copy the newly updated credit report from Experian. Now, I am questioning late payments history. 
I am questioning the negative late payment history on my credit report Prior late payments will remain on my credit report for no longer than XXXX years from the date the delinquency occurred. 

I thought those negative late payment history is supposed to be removed from my credit report.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX is incorrectly submitting derogatory student loan information on my credit reports. My Federal Student Loans were discharged/closed out, by the Department of Veterans Affairs , and The Social Security Administration because of my XXXX XXXX XXXX XXXX XXXX XXXXXXXX status. I was informed that I no longer owed on the student loan debts ( by letter from both entities ), yet XXXX XXXX continues to report derogatory student loan balances, and that the account is currently open, on my credit reports. This information that XXXX XXXXXXXX is providing to my credit reports is false information, and it should show as closed accounts, and no longer owing. This is causing my credit score to remain low, and the inability to secure loans. It is affecting my credit worthiness.
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 # XXXX has violated my rights. 

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 2017-03-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (OH)

Planet Home Lending is my mortgage servicer and they are not crediting my monthly payments to my account in a timely manner. I mailed check number XXXX in the amount of {$1000.00} in XX/XX/XXXX for a XX/XX/XXXX payment and the company still has not cashed the check ( today is now XX/XX/2017 ). Planet Home Lending has also locked my online account and will not distribute a monthly statement so that I can see my mortgage account information. I have sent a written notice to the company in XX/XX/2017 to request that I start receiving paper statements again but they have not responded to my request, nor have I started receiving statements for my account. This company is very unresponsive to my written requests and now they will not deposit payments received to this account in a timely manner. It is almost as if they want the account to default by way of not honoring my payments. I would like help in having my payments posted timely and also receiving a mailed monthly mortgage statement from this servicer.
Consumer complaint received 2017-02-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

My loan used to be with XXXX. I really like being able to pay in the branch & know my payment was correctly processed. The loan has Bayview Loan Servicing now for over 2 years. I make my payments online because on the auto-pay features states that if my payment fall on a holiday or weekend & is not process by the XXXX I can be subjected to a late fee. Every month I login & schedule a payment usually around the XXXX or XXXX avoiding weekend/hoildays. I noticed that my payment was n't withdrawn from my account as schedule. I call & they said that my payment cleared & to give it a few more days. I checked again the next day & it was shown late- with a late charge & additional fees. They said that it came back as a bad account number. I asked them what they show & the rep said that they do n't keep that info. I told them that its the same account that I always pay from & that I am never late. After over a 1/2 hour on the phone I was able to get the fees reverse & proceeded to make a payment thru then phone so I can be current. They do n't make it easy to pay them. You are not able to save your payment info & you ca n't see your info after a payment is scheduled to verify if the info is correct. If you make a payment after the XXXX, they charge you extra. You get calls saying your late starting on the XXXX of the month-everyday until the payment clears your account. They do n't even check to see if a payment is schedule. They call all hours of the day. Its the biggest monthly bill I have- I do n't need a daily reminder that it is due. legally I have until the XXXX to make my payment until I incur a late fee. I have great credit but I feel that I am treated like a some kind of low life because I qualified for a loan modification. I feel like I am in some kind of collections program & is subjected to harassments if they do n't pay my mortgage by the XXXX of every month.
Consumer complaint received 2024-03-28
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-10
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: REGIONS FINANCIAL CORPORATION (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ... REGIONS BANK XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-02-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Nationstar Mortgage , LLC had one of their own employees execute an assignment of mortgage on XX/XX/2016 under the false pretense of being an employee of XXXX. Nationstar Mortgage , LLC employee XXXX executed a " Corporate Assignment of Mortgage '' and claims to be the " assistant secretary '' of XXXX XXXX is NOT an employee of XXXX and DOES NOT have the authority to execute a Corporate assignment of mortgage where XXXX is the assignor and Nationstar Mortgage , LLC is the assignee. There is NO corporate seal on this assignment and there is no President, Vice President or executive chief signature. There is no witness signature. Both XXXX and the notary XXXX have comitted fraud by the execution of this assignment of mortgage.
Consumer complaint received 2016-12-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ROC Asset Solutions, LLC (OK)

The collectors used XXXX phone numbers. XXXX and XXXX. They call myself, my brother, wife, sister n law and mother. They left messages to have me call with a case number and threatened legal action. My sister n law answered and they said they were attorneys and gave her a case number and said I put her down as reference. When she told them to quit calling her they said they could not until the loan was paid. This is just plain harassment and a violation of my rights by telling information. The person who left a message for me said company was ATI.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I was looking over my credit report and found an address that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do their website. To make the process of deletion easier, here is the address that I am currently seeing listed which I would like removed please : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Once you have deleted the inaccuracies names and address from my credit report, please send me a copy of my updated report. 

Thank you XXXX XXXX