davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to you to address a matter of significant concern regarding the late payments erroneously listed on my credit report maintained by your bureau. Upon reviewing my credit report, I discovered several entries indicating late payments that do not accurately reflect my payment history. I kindly request the immediate correction of these inaccuracies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
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. (DC)

XXXX XXXX XXXX, XXXX. ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for XXXX year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court XXXX ). After this, XXXX XXXX stopped pursuing me for this debt. However, XXXX XXXX is still updating my credit report each month regarding this debt. I would like XXXX XXXX to respect the judge 's decision and cease reporting this dismissed debt to my credit report. 

I have tried to contact both XXXX XXXX and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.
Consumer complaint received 2022-05-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I borrowed {$9400.00} from Sallie Mae in XX/XX/XXXX to finish my education. From the loan disbursement date to the start of repayment, XX/XX/XXXX, I was charged capitalized interest totalling {$1500.00}. Those charges are incorrect as I was in my grace period before payments began. 
Capitalized interest is only charged when the interest was not being paid on the loan as you know. Moving forward in my account history, you can see I have been charged this interest multiple times in a total of {$9700.00}. Those charges are well over the amount I had borrowed. 
In total, my account was charged {$11000.00} for capitalized interest. The interest was paid monthly so these charges are inaccurate and I am requesting Navient correct their errors and have them removed immediately. 
Over a year ago, I contacted customer support over this matter and the representative reported there was nothing I could do about it except pay the loan off. Indeed, this information is incorrect. According to the XXXX XXXX XXXX XXXX, to comply with consumer protection laws of the Fair Credit Reporting Act I must have clear and accurate documentation regarding these charges. 
This includes the loan being modified in a favorable position to the borrower, delaying loss recognition resulting in inaccurate loan valuations. Neither of these rulings have applied to my case. It is simply illegal to make these false charges onto my loan. 
A loan I have been paying on for over a decade in the original amount of {$9400.00} with an interest rate of 7 % is well paid off and settled. 
The next inaccuracy I would like to bring to your attention is the late charges I was randomly charged. My loan is settled and needs to be closed out as I have paid it off. On XX/XX/XXXX, a disbursement was made of {$24000.00} without my consent. Then on XX/XX/XXXX I was charged a resale of {$10000.00} which is also not accurate.
Consumer complaint received 2024-03-11
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MD)

I am requesting assistance with stopping the foreclosure sale on my property scheduled for XX/XX/2022. My husband died and it is a struggle for me to pay the mortgage. There is a buyer that wants to purchase my property. My real estate agent and I have contacted the mortgage company ( Freedom Mortgage ) and submitted ALL the documents they requested for a short sale. We were informed that there was enough time to review the short sale. 

On XX/XX/2022 my real estate agent did a follow up phone call with Freedom Mortgage. After submitting all the short sale documents, they are now saying there is not enough time to review the short sale due to the scheduled foreclosure sale of XX/XX/2022.
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Stewart Information Services (IA)

We sold and closed on a property on XX/XX/XXXX. It is now XX/XX/XXXX and we have not seen funds yet. On XX/XX/XXXX Stewart Title XXXX in XXXX, AZ, closed the sale of our property in XXXX XXXX, AZ. They were to wire the funds to our checking account at XXXX Bank. Their bank is XXXX. The wire wasnt sent until XXXX  the XXXX. The wire has been sitting at XXXX Bank since then. They say they emailed XXXX for confirmation that it was legitimate. XXXX says XXXX emailed the wrong dept. it has sat at XXXX for almost 2 weeks now. I have called them many many times. I contacted Stewart Title for help. All three entities are finger pointing, but getting nothing done. I literally have spent hours and hours on the phone trying to resolve and get my entire life savings. I am beyond frustrated. The service Ive received from these institutions is terrible. We signed our sales docs on XX/XX/XXXX and have nothing! Were not sleeping at night, Im at the end of my rope. Please help!
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possiblXXXX XXXX XXXX XXXX XXXX XXXX GAXXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$110.00} 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 GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$7900.00} Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
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: LEXISNEXIS (MI)

LEXIS NEXIS violated my rights as a consumer and shared my personal information without my consent with Consumer reporting agencies about a bankruptcy filed in 2018. Per the violation law of 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681 b ( a ) ( 2 ) I have contacted them and they have received a letter of my complaint and it has been attached to this complaint as well as proof it was received by them.
Consumer complaint received 2022-05-25
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. (NY)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a loan modification. In response to CFPB Case number : XXXX, Bank of America representative XXXX XXXX requested that I submit a Form XXXX On XXXX XXXX, 2016, I submitted a Form XXXX to Bank of America and XXXX XXXX XXXX XXXX XXXX then requested that I submit a letter of explanation of monthly expenses. On XXXX XXXX, 2016, I submitted a letter of explanation of monthly expenses to Bank of America and XXXX XXXX. On XXXX XXXX, 2016, XXXX XXXX requested that I submit a letter of explanation of additional monthly expenses, a letter of explanation for business income, and a letter of explanation for retirement income. On XXXX XXXX, 2016, I submitted a letter of explanation of additional monthly expenses, a letter of explanation for business income, and a letter of explanation for IRA income to Bank of America and XXXX XXXX. On XXXX XXXX, 2016, I received a letter from Bank of America dated XXXX XXXX, 2016, asking for the same documents that I had previously submitted : a Form XXXX, a letter of explanation of monthly expenses, and a letter of explanation for retirement income.
Consumer complaint received 2022-05-25
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. (GA)

Credit companies are not complying with their own policies in a timely manner. On XXXX XXXX2022 I contacted them via mail concerning unauthorized inquiries and inaccurate information.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2022-05-25
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: United Revenue Corporation (TX)

THE COMPANY HAS VIOLATED MY RIGHTS AS A CONSUMER, NOT ONLY THEY HAVE FAILED TO RESPONSE TO THIS REQUEST FROM THE DATA RECEIVED ON XX/XX/22. THESE ACCOUNTS STILL APPEAR TO ALL 3 CREDIT BUREAUS THESE ARE CLEAR VIOLATIONS OF BOTH THE FDCPA THE FCRA ACC # XXXX {$350.00}
Consumer complaint received 2024-03-11
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. (CA)

Transunion, XXXX and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$1800.00} XXXX  XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX XXXX Balance : {$710.00}
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Critical Resolution Mediation LLC (IN)

In XX/XX/XXXX I received a call from Critical Resolution Mediation LLC. I had an old XXXX card from XXXX. I settled with them at {$890.00} per month for 3 months. In XXXX I received a notice from Indiana Court I was being sued for this debt. I checked my bank account and nothing was pulled. I contacted XXXX  XXXX  XXXX about this and explained I had made arrangements for this to be settled, what should I do? The attorney I spoke with said he was going to sue me for {$8200.00}, I said the last I knew the original balance was about XXXX and some change. ( I'm not sure the debt was from XXXX ). I hung up on him, he was determined to get the {$8200.00} and nothing else. I then called Critical Resolution Mediation LLC back, and spoke to XXXX XXXX the person who this was initiated with. He said he didn't know why the funds were not pulled, but if I could add an additional XXXX then he could pull this out of legal, and it would be paid. I had to pay the whole amount at that time, actually had to take it to the XXXX bank and deposit it into the account, ( I checked the teller before depositing to make sure the account is what he said it was ). I received a settlement letter in my email. I knew there was a court date pending, and since I never received anything else from the courts I thought it was all taken care of. On XX/XX/19 I  received a judgement from the courts saying this attorney went ahead and sued, and was awarded a judgement to garnish my wages. I'm at a loss, I have all my documents except the XXXX statements. Please tell me what I can do.
Consumer complaint received 2017-12-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (MO)

XXXX XXXX financed my new XXXX XXXX the company in XXXX aid i had not made any payments which i had and they have continued to tell me i haven't they  have wrongfully repossessed my XXXX by not notifying me that they would be repossessing the vehicle as well they did not give me any option to pay or work out anything.
Consumer complaint received 2022-05-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AR)

I brought my account current with Freedom Mortgage ( po box XXXX, XXXX, CA XXXX ) on XX/XX/XXXX before filing for Bankruptcy. On XX/XX/XXXX, I realized I could no longer make online payments so I mailed XXXXXXXX XXXX mortgage payment of {$690.00} that day to Freedom Mortgage. 8 days later, they issued an Escrow assessment increasing the payment due to {$690.00}. They also stated that was the amount due for XXXX. XXXXXXXX XXXX mortgage payment was not applied and still my payments are showing past due despite making payments timely. There is also a disconnect between when they receive my payments and when they are reflected in the payment section. Also, they added {$950.00} as being due immediately for fees in connection with my filing bankruptcy without providing proper notice before adding the fees to the account. My payments have been made as follows : XX/XX/XXXX - payment mailed XX/XX/XXXX - XXXX XX/XX/XXXX - payment mailed XX/XX/XXXX and received XX/XX/XXXX - XXXX XX/XX/XXXX - payment mailed XX/XX/XXXX - XXXX XX/XX/XXXX - payment mailed XX/XX/XXXX and received XX/XX/XXXX - XXXX XX/XX/XXXX - ( just spoke with Freedom and they told me they had not received the payment ) payment mailed XX/XX/XXXX and received XX/XX/XXXX - XXXX XX/XX/XXXX - payment mailed XX/XX/XXXX - XXXX In XXXX, they informed me that I had to pay the {$5.00} difference so they could apply the payment and correct my account but it is still not corrected despite making payment. 
If I had not been in bankruptcy, I would be in foreclosure now because of their inaccurate bookkeeping. 

I am glad I checked my account online as they have raised my mortgage payment yet again with the new payment due in XXXX thankfully.
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (NY)

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

I.C. Systems is CONSTANTLY contacting me claiming that " XXXX XXXX '' owes {$300.00} XXXX ( XXXX ). They have the wrong person as my name is not " XXXX ''. They repeatedly call and send letters after I've asked them to stop.
Consumer complaint received 2019-10-16
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. (FL)

I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

My cash app account was fraudulently accessed and I was locked out and XXXX dollars was stolen from me due to no fault of my own. The only possible way that this could of happened to me is because I am one of the users who's data was compromised by block inc who owns cash app. Because the company did not secure their users information properly my account was able to be accessed and money taken out of my account and there was nothing I could do about it until I got in touch with cash app support. I will explain. On XX/XX/XXXX  I get an email from cash app saying my account was accessed from a different or new device at XXXX near XXXX XXXX I live in XXXX Texas so that right there should something. Then also on XX/XX/XXXX  at XXXX my email address was unlinked from cash app locking me out of my account entirely. I contacted cash app support as soon as I realized what happened and it took days for cash app support to finally respond back to me. I had over XXXX dollars in account before I was locked out of the account and then my email address was unlinked from the account on XXXX. It took days and days for me to finally get a response back from cash appp because I had to create a whole new account just to get someone from cash app support to finally help me. I told cash app support what happened to me and I was able to finally regain access back into the account on XX/XX/. Not even 6 minutes later somehow my email address was able to be once again unlinked from my account and I was locked out of the account for the 2nd time. Please keep in mind this is the same cash app account that cash app support had just granted me access back into just 6 minutes earlier. When I was locked out of the account for the 2nd time I had XXXX dollars in the account still. When I was finally able to get a hold of cash app again about this matter i explained to them what happened but no one would listen or even attempt to try and help me .now I am told that there is about XXXX bucks in the account and that I need to calm down. How can the XXXX grand I had in the account yesterday XX/XX/XXXX  just disappear even though I have proof that my account was accessed fraudulently without my permission? How can it just be lost forever? How is that okay? Had cash app not had the data breech I would not even be in this horrible situation in the first place. 2nd had cash app done there job whenever they were able to give me access back into the account and taken off the other emails or phone numbers etc. I wouldn't be writing this email either. Some how 6 minutes later my email address was unlinked and I was kicked back out. Now fast forward to today cash app is telling me I only had XXXX dollars on the account left. When the day before that 9 hours previous to be exact I had XXXX american dollars. What happened to all of my money?