davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NC)

In XX/XX/2022 I caught COVID which caused me to fall behind on my mortgage payments. I contacted M & T and initially they gave me a forbearance and told me about the PA Homeowners Assistance Fund and recommended that I apply for them. I applied for PAHAF program and received an award letter granting me funds to get caught up on my mortgage on XX/XX/2022. During the time M & T pressured me into completing a loan modification application for a partial claim. I sent back the documents at the beginning of XX/XX/2022 and made M & T aware that I had been awarded a XXXX through the PAHAF and that PAHAF would be contacting them in order to pay them. From XXXX XXXX XX/XX/2022 I got the run around from M & T Bank stating that PAHAF never sent over the payment and PAHAF was responsible for holding up the payment. On XX/XX/2022, I spoke with an M & T specialist who discovered that M & T made a huge servicing mistake on my account. The M & T rep stating that M & T sent over the wrong documents in XXXX to PAHAF causing the delay of payment. The rep also discovered that I had been provided with false and misleading information from previous reps as no one told me I had to rescind the partial claim that i was approved for in order to receive the grant. Also no one told me that I had to pick between the award money from PAHAF or go through with the partial claim but I couldn't do both. Additionally the rep discovered that I was misled by previous M & T reps who stated that I didn't have to send in a payment at that time because PAHAF was going to cover the payments. The rep on XX/XX/2022 immediately escalated the case to her manager. However at this point I am at risk for foreclosure due to false and misleading information that M & T provided to me as well as sending the wrong information to PAHAF program back in XXXX.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed bankruptcy and all debt was discharged and accounts should have been closed and removed from credit report. Items still show on credit report as open and delinquent. The account was actually closed XXXX of 2019 per XXXX XXXX and both XXXX and Trans Union still have them listed on my credit report. I called XXXX XXXX XXXX XXXX to confirm account was closed and also tried to file a dispute with the credit bureau and nothing has been done.
Consumer complaint received 2022-12-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

i sent a letter on XX/XX/2022 to XXXX/and XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2022-12-20
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: Credence Resource Management, LLC (PA)

i sent a letter on XX/XX/2022 to XXXX/and XXXX  however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2022-11-23
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On or about XX/XX/XXXX this account was settled with the creditor. The account has been reported to the CRAs for the last two months and the company is aware of the settlement to correct this account and have mentioned that it is settled in correspondence with me. They have also quoted FRCA regulations for their reporting. My issue is that while quoting the FRCA regulations, they are reporting the balance as well as are reporting monthly on a settled account. If the company is going to claim the regulations, then they should actually be following those regulations.
Consumer complaint received 2023-04-17
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. (CA)

I have tried a number of times to rectify the issue of having accounts listed on my credit report that are affecting me negatively. I have listed the accounts that needed to be removed from my Transunion file and now another one is being reported without a proper investigation of whether or not the account belonged to me. This has now affected my credit score and has caused me to not be able to exercise my right to have credit extended to me due to information being reported on me that is fraudulent and damaging to my credit worthiness. I am requesting that Transunion verifies and validates that I am LEGALLY responsible and obligated to pay these debts. Failure to provide an appropriate lawful response will result in further action. Failure to respond in 7 calendar days will be considered as admission that these accounts are not valid. Just putting that an account has " been verified '' is not a valid nor legal response. Please remove and permanently suppress the following accounts from my credit report immediately and without fail in 7 calendars days : XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX
Consumer complaint received 2023-06-16
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX & Acct XXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

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Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Receivables Performance Management, LLC (NC)

XXXX customer for agreement period of 3 years XX/XX/XXXX-XX/XX/XXXX. Let service continue till I relocated in XX/XX/XXXX. XXXX claims I owe a cancellation fee. I asked for copy of contract and supporting documents from XXXX and Receivable Performance Management. XXXX says they have none but to look at their website for policy. I said show me agreement from XX/XX/XXXX when i enrolled. They turn over to collections which hit my credit report XX/XX/XXXX. No notification, warning. Received call from collection threatening if I dont pay they would report to credit bureaus. This call took Place XX/XX/XXXX. Thus 3 months after it had been placed. Want this removed from my perfect credit report at all XXXX bureaus. Receivables Performance management is Collection Co out of WA state. Thank you for the time
Consumer complaint received 2023-05-09
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. (TN)

FRAUDULENT ACCOONTS WERE ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIEVED ANY GOODS OR SERVICES FOR THESE FRAUDULENT ACCOUNTS AND INQUIRIES
Consumer complaint received 2024-03-28
Product: Credit reporting 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. (SC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, Experian & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX Corp., XXXX. XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2024-03-28
Product: Credit reporting 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. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-20
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. (FL)

Name : XXXX XXXX XXXX Account number : XXXX Name : XXXXXXXX XXXX XXXX Account 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 2022-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Around XX/XX/2022 I received a call from my bank ( Chase ) phone number saying they needed me to help them access my account. They sent me a code, I gave them the code and I had XXXX XXXX transactions on my account from a person I have no dealings with. I made a claim they gave me provisional credit but later on took the credit back and my account became negative. I had to pay the balance to bring my account back to good standing.
Consumer complaint received 2022-12-20
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. (VA)

I sent a letter off in XXXX of 2022, to remove personal information that I don't not want on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people.

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AR)

My credit report shows closed and over 180 days delinquent. The government has been paying since Covid relief started. How can it be delinquent? Also, my loan was with XXXX XXXX and was sold to XXXX without notification or ability to get in touch with this company. Even if the government wasnt paying student loan payments, I couldnt pay because I have no way to contact this third party company. I am requesting this delinquency be removed for the above reasons.
Consumer complaint received 2023-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (IL)

I was in contact with XXXX XXXX from Flagstar and he indicated I could scratch the old escrow balance and out the new amount and sign the letter and submit. I signed the letter and submitted to bank. They processed escrow payment on XX/XX/2023. This brought my escrow account to {$0.00}. I sent the letter certified mail. No one contacted me to say hey we need a new letter signed for escrow they just proceeded to pay my taxes on XX/XX/2023 creating a new balance on my escrow account. This is clearly unacceptable. I need someone from management to look into this.
Consumer complaint received 2024-03-28
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. (NV)

XXXX XXXX XXXX ] [ XXXX XXXX ] Re : Dispute of Personal Information, XXXX, XXXX I am writing to dispute certain information on my credit report. After reviewing the report, I have identified discrepancies related to my personal data. I request that you investigate and correct these inaccuracies promptly.

The disputed information is as follows : 1. [ Specific Inaccuracy ] : the incorrect information in detail hard inquiries, wrong address,, misspelled name ). 

Hard inquiries XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. Investigate the Disputed Items : Verify the accuracy of the information with the relevant data sources. 
Provide me with evidence supporting the validity of the reported data. 
2. Correct the Errors : If the information is indeed inaccurate, promptly update my credit report to reflect the correct details. 
3. Provide Written Confirmation : Once the investigation is complete, send me written confirmation of the corrections made. 
Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within XXXX  days of receiving this dispute letter. 
Enclosed, please find copies of relevant documents supporting my claim ( if applicable ). I appreciate your attention to this matter and expect a timely resolution. 
Thank you for your cooperation. 
Sincerely, [ XXXX XXXX ] Remember to send this letter via certified mail with a return receipt to ensure proper documentation. Keep copies of all correspondence for your records.
Consumer complaint received 2022-12-20
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. (DE)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (NJ)

Hi i have been wrongfully charged for an unknown debt from XXXX bank which is in the amount of {$810.00} on the XXXX of XXXX through Mail I received. I have no connection with the said debt and would like to dispute it immediately. Also I request the company desist from sending me Mails or Emails or even Phone calls regarding the so-called debt which is wrongfully in my name. Thank You
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX, XXXX XXXX XXXX