davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (MA)

I apologize for the second complaint but I was unable to submit a response to provide documentation. 
I have a rental property and the mortgage was with Ditech. It was sold to XXXX XXXX on XX/XX/XXXX. ON XX/XX/XXXX I did not have a new account number with XXXX  to make my XXXX payment so I called Ditech and they told me to make a payment to Ditech and they would forward the payment over to the new company. Ditech never forwarded the payment and I was marked late with the new company, but i didn't know this until late XXXX ( the end of my 60 day grace period ). I began making payments to XXXX in XXXX and made intermittent payments throughout XXXX and XXXX to make up for the lost payment. But as of XX/XX/XXXX I was still {$220.00} dollars short of 3 months. They counted that as 60 days late for the XXXX payment and XXXX  reported me to the credit bureau with a 60 day mortgage payment. I have now sold my primary residence and can not get a loan for a new home with that on my credit report and XXXX will not take it off. I believe the problem began with an error by Ditech. I would like Ditech to talk with XXXX to say it was their error and not mine. 
Thank you XXXX XXXX
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Resurgent Capital Services L.P. (MO)

This regards a credit card for XXXX XXXX in XXXX. It was sold to a credit collections in XXXX. I was never aware of this credit until it was reported on my credit report XX/XX/XXXX. Since this is a 15 year old account, which I don't remember I thought this was supposed to drop after 7-years. I don't even know the amount. I do know it was under my maiden name XXXX, and I was married at this time. 
The credit collections is : XXXX XXXX, XXXX. 

If you can help me get this removed, I'm on XXXX and very ill. 

Thank you, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-25
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. (FL)

I am interested in processing disputes on my credit report with transunion to delete all inaccurate information that is reporting an hurting my file. please review an delete all items listed. this has been an reoccurring issue that needs to get resolved asap.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XX/XX/2024 to the credit bureaus requesting that the XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I cosigned for my daughter for a vehicle on XX/XX/XXXX through XXXX XXXX. Vehicle was XXXX XXXX XXXX ( used, ) when vehicle was paid off we received all documentation stating that it is paid in full they released the title we have all documentation from the company that provide those statements. However it continued to be reported to the credit bureaus on my account as well as my daughters account when I went to dispute it through the credit bureaus, XXXX XXXX sent a document stating they needed more proof in regards to this matter which therefore I submitted copies of the statements received stating accountants paid in full receiving title account is closed, after that I then received from the company a letter indicating that that is correct and they will remove it from the credit bureaus which they have and then put it back on and keep on reporting it till this current date have reached out numerous of times it is not being resolved my daughter is trying to get her account cleared through XXXX XXXX we have submitted a complaint to the attorney general but may have to seek for a debt attorney do not know how to get this removed when they are constantly changing information to the credit bureaus in regards to this manner. Has impacted both credit scores tremendously
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-05-18
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. (MO)

XXXX has furnished unverified debt to consumer reporting agencies without the consent of the consumer. The said actions of this corporation violate the Family Educational Rights and Privacy Act ( FERPA ). 34 CFR Subtitle A Part 99 Subpart D ( a ) whereas it states " The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31. ". The consumer has never given written consent to the educational agency authorizing them to disclose personally identifiable information. XXXX has no right to possess, nor to furnish any of the consumer 's personally identifiable information for the educational agency had no consent to disclose such information. 

Pursuant to 16 CFR I Subchapter D Part 433 433.2 whereas it states " In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I felt some information on my account which was reporting from XXXX XXXX XXXX  account # XXXX wasn't accurate. I sent in a letter to the bureaus questioning the information reported. I got back a response from them saying it was verified. At the same time I got a letter from XXXX  XXXX saying that they recieved a dispute but didn't have enough information for them to fully understand the reason for the dispute. How can the bureaus have verified this information if XXXX XXXX  could not even investigate this based on the letter I got which I will attach.
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$620.00} ; 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
Consumer complaint received 2023-02-19
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. (NY)

I NEVER GAVE CONSENT TO ANY OF THESE PERSONS TO FURNISH ITEMS TO MY CONSUMER REPORT ON MY BEHALF. AS A RESULT MY LIVELIHOOD HAS BEEN ADVERSELY AFFECTED, AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2023-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NY)

I am reaching out to you as my last resource in resolving this issue, which continues taking place month after month. Unfortunately, we are unable to resolve it thru the regular phone lines. 

We also contacted CEO of RoundPoint but no response as of yet. 

First, since XXXX of this year Round Point, decided to charge me escrow additional dollars every month and late fees for home owners insurance despite evidence was facilitated back in XXXX. 

Second, every month since XXXX RoundPoint doesnt allow me to pay my official balance morgage ( {$1000.00} ) but instead wants us to pay an additional over payment of ( {$570.00} ) in escrow. 

RoundPoint Mortgage Servicing continues pushing us to overpay and promises to refund us back within 10 days which never happens. 

Why should i continue over paying, including late fees and trust round point to save my over payments and refund me? Is Round Point going to pay me interest rate on all overpayments they are kindly saving on my behalf? Please Note this is extra money i dont have available and which is going to a supposely suspense account. I dont want Round Point to become my savings bank. This situation is very disrespectful to us as their clients, and i am hoping you are able to get answers on my behalf and help us reaolve it as soon as possible. 

If you are in need of additional details, refer to below facts gathered by my husband during his numerous calls made in the past. Ive also included attachments. 

Thank you in advance for anything you can do in our behalf. 

XXXX XXXX XXXX
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has manipulated my mortgage and escrow. Secondly, Bank of America hire d a contractor (   XXXX   XXXX   ) to  take pictures of my home.  XXXX   XXXX  employees damaged my home and Bank of America charged for debris removal even though nothing was removed ( see pictu res ). I told Ba nk of America that I want to avoid foreclosure by selling my home or doing a deed in lieu of foreclosure ; Bank of America wo n't return my calls please help.
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$80.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is listed as being OPEN and having a PAST-DUE BALANCE of {$3200.00} creditor is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$380.00} which I do not recall having that account. This is a violation of the FCRA and is in violation of requisite METRO2compliant reporting standards. 
According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 
The following hard inquiries have never been requested by me XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2024-03-02
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. (CT)

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, 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 2023-06-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have never made transaction to these companies nor applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well.
Consumer complaint received 2020-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (CA)

I am writing to complain about the online credit service known as PayPal.com. For the last six months, PayPal has been ( 1 ) billing me for fraudulent transactions and ( 2 ) providing the credit bureaus with false information about my balances in violation of the Fair Credit Reporting Act. I have contacted PayPal customer service by phone on several occasions to dispute these fraudulent transactions. I disputed on XX/XX/2019 an amount of {$100.00} with PayPal customer service agent named XXXX and I disputed on XX/XX/2019 an amount of {$490.00} with PayPal customer service agent named XXXX. According to the terms of service, PayPal was supposed to investigate the disputed amounts and provide a response within 60 days. PayPal however have failed to provide any response to my disputes and continue to bill me for the disputed fraudulent transactions and charge me for interest while reporting these false transactions to the credit bureaus.
Consumer complaint received 2023-09-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc. (NC)

I received a notice in the mail last year stating that I owed over {$400.00} to XXXX for services that I had cancelled a few months earlier. I wrote to them and explained that I did not owe that amount because XXXX didn't end my service when I asked them to and when I turned in their equipment. 

A year went by and I received another notice saying that I owe the same amount. I sent an email to the collections agency this time and told them that I had documentation to prove my side. I received a phone call from an aggressive collection agent who explained that I didn't turn in a piece of equipment and that I never cancelled my service. 

This forced me to go to my records and pull out the documentation showing that I turned in my equipment. I took photos of the three receipts and emailed them to the company. I keep receiving phone calls from rude and aggressive agents that refuse my documented support. I feel like they are abusing me with their phone calls and letters because their client didn't close out my account correctly.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

During the early morning of XX/XX/XXXX I was robbed, my phone stolen from, locked out of my apple account and left helpless by Apple as someone racked up thousands of dollars on my apple card via tap to pay at Apple stores. 

I initially submitted a claim to dispute these charges back in XXXX of XXXX, and my claims were denied in XXXX. In XXXX I then reasserted the disputes, and this time submitted the police report I filed the day of my robbery. 

On Thursday XX/XX/XXXX, XXXX large charges placed ( charges made on XX/XX/XXXX ) using my phone at an apple store were correctly reversed, but on Tuesday XX/XX/XXXX a charge for XXXX was deemed not fraudulent, with the investigation concluding that no billing error occurred. All XXXX of these charges were made at XXXX stores in a short period of time after I was robbed on the morning of XX/XX/XXXX. 

The charge ( XXXX ) I reasserted this week is another fraudulent charge in a string of fraudulent charges on my apple card that have been correctly reversed. 

On XX/XX/XXXX, XXXX concluded that my XXXX was stolen and honored the theft protection on my XXXX that was used to make these fraudulent purchases ( Claim # XXXX ). I could not have charged XXXX ( XXXX ) to my apple card via an XXXX I no longer had possession over. 

I ask you to please review this charge ( XXXX ) again as I did not make it and would like it reversed, attached below are pieces of information I am submitting as evidence I did not make this purchase. 

XXXX ruled again on XX/XX/XXXX this charge for XXXX was not fraudulent. It occurred at the apple store in XXXX New York on XXXX XXXX. I have reasserted the charge as of XX/XX/XXXX. The new dispute case number for this XXXX charge is : XXXX
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.