davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

Back to XXXX 2020 my mortgage company send a letter to me with proposition to go to the forbearance plan and I accept it because I have to go for the XXXX I had XXXX XXXX XXXX XXXX XXXX XXXX for last 5 years.They said when that period will end I can go back on the track and still make a same payments and they will put a missing payments on the end of my mortgage, When that plan was ended I call them and I got completely different information they told me that I have to pay them full amount or they will refinance the mortgage and I have to go on the trial plan for 3 month and make them payments for {$800.00} My payments before was XXXX XXXXI agree to that and make those payments for 4 month when I call them to make a next payment they told me they cant accept it because they have to do some title search and I have to sight some form I was patiently waiting for calling them and finally got it 3 month later.I sight that form and returned to them they told me they gon na get back to me but they didnt do it.I have to go to XXXX for 2 month because of my family emergency matter get back and receive XXXX XXXX  XXXX.I hade my phone with me all the time they got my email address, no one ever contact me with any instructions.I asking you to step in and help me to resolve that problem .I really have no any problem to make my monthly payments.Thank you
Consumer complaint received 2023-06-13
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX OF 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

All our business account deposits goes on hold from 3 to someone's 14 days, our business based on purchasing inventory. No one is able to provide a reason or take the hold off. Our account keep going in the negative, checks are getting returned with a lot of overdraft fees. We are held back from committing to our promises, the business financial records is in a very bad shape due to not being able to commit to payment when the company average {$60000.00} a month
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Sent in letters to all three credit bureaus for a XXXX Violation for medical debt, ive been disputing the amount being that i had insurance and the information is incorrect. XXXX and XXXX deleted the collection, Experian has not with the same information.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (TX)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-10-27
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-07-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Account got charged an overdraft + fee + ( fee of overdraft fee ) even thought I did not enroll for overdraft. Is this a fair situation? 

XX/XX/19 Service Charge Sustained Od - {$30.00} - {$390.00} XX/XX/19 Miscellaneous Charge Dda Debit - {$83.00} - {$360.00} XX/XX/19 Fee Overdraft ( 3 At {$35.00} Each ) |eNotice - {$100.00} - {$270.00} XX/XX/19 Preauthorized Debit Citizensbank Na Payment - {$50.00} - {$170.00} XX/XX/19 Preauthorized Debit Citizensbank Na Payment - {$80.00} - {$120.00} XX/XX/19 Preauthorized Debit XXXX XXXX XXXX Phone Pymt XXXX {$100.00} - {$41.00} XX/XX/19 DBT Purchase XXXX Ny XXXX - {$200.00} {$66.00} XX/XX/19 ATM Deposit XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX {$250.00} {$260.00}
Consumer complaint received 2023-05-12
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC 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 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as Social Security Number or Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2022-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

XX/XX/2022 Nations Direct Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Loan # : XXXX RE : Responding to the letter that was sent on XXXX. 

Hello, My name is XXXX XXXX. XXXX XXXX, myself ( XXXX XXXX ) my mother XXXX XXXX, and my father XXXX XXXX. Have been trying to apply for loss mitigation since XX/XX/2022. It has been extremely frustrating because there are extreme delays on receiving the information. I have called several times to try and get set-up on the loan solution portal system however it does not recognize my loan number, social security XXXX or zip code. Every time I call Nations Direct Mortgage, they have no idea on how to add my loan to the portal system. I have sent items that were being requested 3 to 4 times before properly being reviewed. In the meantime, our mortgage payments are outstanding since the loss mitigation department can not properly approve the submitted information. 

We are fully aware of the outstanding balance. I have been calling Nations Direct Mortgage every day sometimes multiple times a day to get our application process correctly. Regarding the face-to-face interview, phone conference etc. we have no problem having a phone conference call with Nations Direct Mortgage. We have been trying to have someone in the management team contact us for months and no one has returned any of our phone calls. 

Basically, we are extremely frustrated on how the loss mitigation department can not properly submit our information. In the meantime, our mortgage payments are getting behind since the staff at Nations Direct Mortgage can not properly submit our loss mitigation paperwork. Nor have we gotten any calls from the management team in the loss mitigation department that has been requested several times. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-10-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southwest Credit Systems, L.P. (PA)

On XX/XX/27 I received a phone call from XXXX. I called back approximately XXXX hours later. I was initially greeted by an automated voice message system that alerted me that the phone call was regarding an attempt to collect on debt. I was then connected to an operator who gave me the name of the person who allegedly owes the debt prior to confirming whether or not I was that person ( I was not ). When asked if that individual owes a debt, the operator refused to confirm/deny but mentioned that whatever the automated voice message system stated was correct.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX  XXXX XXXX XXXX and XXXX XXXX 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 accounts 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 this 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 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

From XX/XX/XXXX-XX/XX/XXXX its showing on my credit report of lateness of 30 days with my Bank of America credit card. I contacted a representative a while ago to remove this since I've had 33 consecutive months making payments on time and they reassured they will take care of this. This issued occurred due to automatic payments not being setup correctly. After the matter was fixed, we've never had any issues.
Consumer complaint received 2022-09-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (FL)

XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX ( XXXX ) XXXX {$23000.00} Amount Reported XXXXXXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX According to 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT LAW, this company was never given permission to report this to my credit. I traded my car in for a car and they scammed me. The motor went out after reporting to them on several occasions that something was wrong with the car after noticing it smoking. I did out of pocket expenses to fix the car nothing could prevent it from going out. I only had the car for two months and the company is giving me run arounds and i gave the vehicle back. Without receiving my old car back and they have the wrong amount that was agreed! I have faced multiple hardships because of this. I cant find a place to stay because they have reported this to my credit! I call them on multiple occasions trying to resolve it with them they send me to voicemail, dont return my calls, they speak to me rude and offer no help! CONSUMER LAWS START WITH 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT meaning did they get my permission to report on my consumer credit every violation is {$1000.00}
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX LVNV LLCXXXX XXXX OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX SC XXXX To : Whom it May Concern, This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy XXXX. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1 ) Extended Credit 2 ) Car Loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected.

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX XXXX which also has been violated. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must expertise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide me with the details of the procedures that meet the need of commerce for the consumer credit. As result, I hereby demand the following ; Please delete XXXX ) Account Sincerely yours, XXXX XXXX
Consumer complaint received 2023-06-13
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'm sending this complaint to inform AGAIN the credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized inquiries that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiries removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-14
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. (FL)

XXXX was reporting a 90 late payment on two accounts in XX/XX/2014. I disputed the accounts in accordance with FCRA. Instead of correcting the errors, XXXX removed 7 accounts from my credit reports that were in good standing causing my scores to plunge. 

The 90 late payments were in XX/XX/2014 and they were eventually brought current. As such, they should have been removed according to Section 623 ( a ) ( 2 ).

I have attached an FTC advisory opinion which  interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. Navient communication regarding retroactive forbearances states If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (NC)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-15
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. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 updated or deleted : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX