davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (OH)

I lost my job in XX/XX/XXXX. I wasnt able to make my mortgage payments as of XX/XX/XXXX. My mortgage company is HomePoint Financial. I was put in a program that allowed me to have the payments placed on hold for 6 months. After the 6 months, I still was unemployed and unable to make payments so I requested an extension. I was told I had to apply for the Loss Mitigation program. I have been going back and forth with my mortgage company since XXXX about this program. At first, it took them over a month to send me the paperwork to fill out. I received phone calls almost every day about my unpaid mortgage during that time. Since then, Ive been sending in the packet of paperwork and additional documents at least 1-2 times a month. Ive emailed them and mailed them. Most of the time they tell me they never received it. Theyve told me Im missing documents a few times, even though I keep copies of what I send and I have all the paperwork they requested. Theyve also told me the paperwork they received only scanned half of each page. I contact them after I send in my information, to make sure they get it. At this point, I feel like theyre just messing with me, or they are purposely trying to not let me in this program. Its very frustrating and unprofessional. This last call I was on today, I was hung up on. I was called, again, because they havent received the paperwork and documents I emailed on XX/XX/XXXX. I called last week to check on it, and I was told to call back on XX/XX/XXXX to see if its in the system ... Im ready to change companies, but Im not sure if thats possible. Im just so frustrated with this process. I am already struggling with money, and they are making things more difficult and adding unnecessary stress and anxiety. I usually speak with XXXX, Ive spoken with XXXX, and also others that I did not record their names. I want to stay in my home and not have to worry about foreclosure.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Open Sky you furnished alleged transaction on my { XXXX, TransUnion, XXXX ( Chose the CRA that the late payment was furnished to } that you identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know your not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : XX/XX/year> XXXX XXXX  Account # XXXX XXXX XXXX _________________________________ Without Recourse UCC 1-308
Consumer complaint received 2023-03-03
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. (NJ)

Transunion is currently showing XXXX20-149 days past due, XXXX is currently showing 180 days past due and XXXX 180 days past due ( with 120 days on XXXX and 120 days on XXXX ). Which is not correct, I have provided a document that XXXX XXXX XXXX legal team sent me stating that on a going forward basis reporting to the XXXX XXXX XXXX Transunion, XXXX, XXXX, etc. ) would show up as a Covid protected status. This is a legal document provided by the creditor and for thus has to be honored. XXXX XXXX XXXX has continues to use abusing predatory lending practices by reporting 120 days plus late threatening repossession through an acceleration letter requesting the full amount. Transunion, XXXX and XXXX are at fault by not conducting a thorough investigation and just letting XXXX XXXX report on my credit report 120 days plus late. The report should have a Covid 19 protected status on a going forward basis ; XXXX XXXX did not provide an end date in this letter to me, therefore it should remain in that status as this letter came from their legal department signed by XXXX XXXX Regulatory Compliance and is now a part of the contract on how reporting is conducted.
Consumer complaint received 2024-03-20
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Consumer complaint received 2024-03-20
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. (NJ)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-02-15
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. (TX)

In accordance with the fair credit Reporting act XXXX  Account # XXXX XX/XX/XXXX {$52000.00}, XXXX XX/XX/XXXX {$11000.00}, XXXX XX/XX/XXXX $ XXXX XX/XX/XXXX {$250000.00}, XXXX XX/XX/XXXX {$1000.00}, XXXX XX/XX/XXXX {$7500.00}, XXXX XX/XX/XXXX {$500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00}, XXXX XX/XX/XXXX {$500.00}, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a4s.1 open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-28
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. (WA)

THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX  XXXX The monthly payment on this account is inaccurate. XXXX is reporting - as the monthly payment and XXXX is reporting - and TransUnion is reporting {$0.00}. The last date of activity is also inaccurate. XXXX is reporting XX/XX/XXXX as the last date of activity and XXXX is reporting XX/XX/XXXX and TransUnion is reporting XX/XX/XXXX. The No. of Months ( terms ) on this account is also inaccurate. XXXX is reporting 60 Months and XXXX is reporting Monthly ( due every month ) and TransUnion is reporting Monthly PLEASE DELETE AND REMOVE IT FROM MY REPORT
Consumer complaint received 2023-03-01
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. (TX)

XXXX XXXX is disputing inaccurate late payments on my reports that I have been disputing for quite a while now. I have sent multiple disputes to each credit bureau regarding this account because they are reporting very inconsistently. There are different account numbers reporting, XXXX and XXXX. There also different last active and payment dates reporting for this account between each bureau as well as inconsistent late payments for this account. If each bureau receives their information from the same place, how are they all reporting very different information? It is the responsibility of the consumer reporting agencies to verify and report accurate information which they have clearly failed to do and are in violation of the law. I am requesting that these inaccurate late payments reporting for XXXX, XXXX and XX/XX/2021 be deleted from my reports now! 
XXXX XXXX
Consumer complaint received 2024-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

On XX/XX/XXXX, I called Mohela and learned my account was on forbearance until XXXX XX/XX/2023. I was asked if I wanted a refund of the payment I made on XX/XX/XXXX, and I opted to have my payment amount applied to my XXXX statement. When I checked my account XX/XX/XXXX. I saw my payment hadn't been applied. The issue was escalated and I was told to wait XXXX business days for the issue to be corrected. It's now XX/XX/XXXX, the day before my due date and there's been no change to my account. 

Furthermore, account notices are not current. When I log in I see that my Account Alerts show that my account is still being updated. Note says to allow up to 30 days for updates, but there's no start date to indicate when the 30 days started.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT 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 I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-06-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Purchased a car from a dealer - dealer used XXXX XXXX and I was approved also used XXXX - Dealer picked XXXX because they can tack on 5 % and cheat me on tharather then going with XXXX XXXX - I called XXXX XXXX to refinance they told me to pre qualify why pre qualify so they work with the dealer but not the customer? 

They did not prequalify me and said it is my trans union - I already have cases open with Trans Union so my credit score is XXXX difference from the other credit reporting agnecies Trans union is a scam - they do this on purpose getting kick backs from dealerships I wa stold that this needs to stop I want trans union banned and I will see to it this is discrimination and a government scam - so the dealership can tak on 5 % and that is good and approve me but on my own I can not be approved what a scam! This country deserves to be in this shape SO MUCH corruption - I want my trans union fixed now and I want XXXX XXXX logged as discriminatory and in cahoots with the dealerships
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TX)

XXXX {$72.00} XXXX {$100.00} XXXX {$100.00} XXXX {$100.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$100.00} I talked to one of there the banks representatives at Regions Bank, about this accuring issue , and she sounded like if she was upset in talking me about this issue. They told me they were going to reverse the issue and they issued me a new card. But, they just setted me up for financial failure. I would really like to either resolve this issue or close my bank account entirely. And, return 'ALL ' my paid overdraft fees, for no fixing the issue on the first attempt.
Consumer complaint received 2023-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fait Credit Reporting Act ( Capitol One Account Number 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 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 payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A cheque from the US Treasury was endorsed via forgery of someone whom has been impersonating me for some time. The cheque was taken from my mailbox as people have been sorting and forwarding my mail. The parties involved have been attempting to take power of attorney from me, so that they can validate the endorsement of the cheque and the spending of the funds. The checking account and savings account is in XXXX XXXX & XXXX XXXX name. The money came from an originated cheque that was paid to my order XXXX XXXX. The parties involved never gave me access to the money and are using my name and identification fraudulently.
Consumer complaint received 2023-03-28
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)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items immediately. 

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 2022-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Best Buy Store Card issued by Citibank has been charging consumer a " debt '' protection charge every month. I have cancelled and called the department many times and they always give me the run around or they are out of order having " technical '' difficulties and can not receive calls. I never signed up for this service and they have been charging me for over a year.
Consumer complaint received 2023-02-15
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. (IL)

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. 

XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXX 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 2023-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act 1 ), 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
Consumer complaint received 2023-02-15
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.