davidheineman/consumer-finance-complaints-large huggingface dataset:
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 status incorrect
Company: Idaho Housing And Finance Association (CT)

I have been having multiple issues with this company and they still refuse to update the false credit reporting. I was under the covid forbearance program and while i also had significant issues with that process, they are refusing to comply with the terms and still reporting the forbeared amount ( {$11000.00} as delinquent ). I have resumed making my payments consistently since XX/XX/XXXX and also in some cases made more than my regular payment amount and they have not been applying the excess amount correctly. 
They have also reported incorrect information in my credit reporting which was reported XX/XX/XXXX. These are all the incorrect information to date : 1. Reporting forbearance from XX/XX/XXXX through XX/XX/XXXX ( 17 months ) instead of 9 months ( please note that they should not be reporting this in the first place per CARES ACT ) 2. Reporting XXXX XXXX payment late even though they received payment per transaction report I pulled from their page. This homeloanserv transaction statement showed I pay {$1400.00} monthly and they only apply {$1300.00} which is incorrect. 
3. Month end balance as of XX/XX/XXXX is {$160000.00} and they are showing {$170000.00} 4. They are showing a monthly payment of {$1300.00} on credit report even though my monthly payment is {$1300.00} The number of inconsistencies is mind boggling to say the least. I called again today and spoke to XXXX who was beyond rude and asking me to email their support team even though I have done this on multiple occasions with no response to date. 

This loan servicing company is not complying with regulations and especially not following Section 6 of RESPA as they have refused to respond to any of my written requests. Please see attached the request emailed and sent to them on XX/XX/XXXX
Consumer complaint received 2019-12-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I haven't dealt with a bank that constantly provides there customers with misinformation constantly and never seems to be corrected. On XX/XX/XXXX I filed a claim for merchant dispute claim # XXXX in reference, to the Merchant only supposing to debit my account for one total transaction of {$320.00}, but instead made 5 small debits which totaled the amount and I received a notice on XX/XX/XXXX the claim was denied and the credit would be reversed. I contacted Bank of America on XX/XX/XXXX and spoke with XXXX who explained that once the transactions post, BOA would waive the fees. On XX/XX/XXXX, I contacted BOA on spoke with XXXX and asked if possible, if I could get a extension until XX/XX/XXXX, before the transaction or credit would be reversed would post because experiencing a hardship and she advised me she would have a supervisor escalate this form over to claims for the extension. On XX/XX/XXXX I reviewed my account and contacted Bank of America and spoke with XXXX, who explained to me to get the extension the request would have to be submitted 48 hrs prior and transferred me to Manager XXXX who said she would review the calls and followup with me on XX/XX/XXXX and they did reverse fees of {$140.00}. I spoke with XXXX in Claims who advised me would send my request to see if they stop any further fees being accessed and reversing credit, and was contacted by XXXX in the Executive Office on XX/XX/XXXX who was the most unhelpful individual, first telling me he use to work in Claims, and before we got a chance to discuss my concerns he wanted to tell me how things were, who refused to acknowledge any inaccurate information given by their company representatives or offer an apology, and just gave me typical bank jargon, and referring me back to the merchant. I have been with this Bank since XXXX, but I see now it's time to change banks and after speaking with XXXX again on XX/XX/XXXX, it's making my decision to go to a different bank much easier because in my opinion nothing has been resolved nor has ongoing part of them given inaccurate information constantly.
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
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 — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NV)

I contact XXXX XXXX and XXXX about an unauthorized hard inquiry after i received a copy of my credit report. They agreed to remove it from my credit report but they never did. This is very frustrating, is a very serious matter and XXXX XXXX & XXXX wont help me fix it. Please remove unauthorized hard inquiry from my credit report XXXX/XXXX XX/XX/2017
Consumer complaint received 2022-10-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I have spoke to XXXX XXXX from Credit Acceptance on a few occasions. I also spoke to a lawyer who represents them, yesterday and my account is still showing as past due when my car was already repossessed and sold at an auction in XX/XX/XXXX. The representative advised me they aren't doing anything with my account and don't plan on making any changes to my account/ I never received the date, time, and place for the auction, or a phone number you can call for more information about the sale. I've requested numerous times for a break down of all charges and amount car was sold at auction for back in XXXX of XXXX. I haven't received any updated info from XXXX XXXX and I received disdain when calling to the law firm who works with Credit Acceptance.
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2019-01-25
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. (TX)

I CAN NOT believe that Equifax is STILL reporting the account XXXX XXXX XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Equifax verify inaccurate information as accurate? By law it is Equifaxs job to ONLY allow accurate and correct information to be entered onto my credit report. How can this account come back as verified? I disputed this account XX/XX/XXXX and XX/XX/XXXX. I am challenging this account for the third time. 
I am challenging this account for the following reasons : There should be no past due on a charged off/closed account yet Equifax lists a past due amount of {$1900.00}. How is this accurate? 

There should be no monthly payment on a charged off/closed account yet Equifax lists a monthly payment of {$1900.00}. How is this accurate? 

Each bureau lists a different monthly payment. XXXX  $ XXXX/Equifax $ XXXX/XXXX  {$1900.00} How is this accurate? 

Each bureau lists a different open date. XXXX  XX/XX/XXXXXXXX Equifax XX/XX/XXXX/XXXX XX/XX/XXXX How is this accurate? 

Equifax does not list a date of last activity on this credit report. That is a violation.
Consumer complaint received 2022-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (CA)

Sometime in XX/XX/2021 I received a collection notice from TRS Recovery Services stating they were attempting to collect a debt on behalf of XXXX XXXX XXXX, in the amount of {$200.00} for a transaction initiated on XX/XX/2021. I immediately disputed the debt because I had never conducted any money transactions there. They continued to harass me after I disputed the debt. Finally, on XX/XX/XXXX, they provided me with a copy of the transaction and it WAS NOT INITIATED OR SIGNED FOR BY ME! It turned out that my husband did it. They NEVER sent a notice to him! They said " well isn't it a joint account? '' I advised that even if it was I did not make the transaction so why am I bring penalized? Finally I filed a document with their forgery dept as advised and they sent a letter saying they agreed it was not me and they would return the debt to telecheck. At the end of XXXX my husband died of XXXX at the age of XXXX. They never did try to collect from him or reassign the debt appropriately. Now almost a year later Telecheck gave it to another collection company, XXXX XXXX XXXX and I'm right back in it again. And since Telecheck is stating the debt is mine I have been unable to open a checking account and close thr joint one. I am unable to write checks it's been a nightmare!! I realize that I may be responsible for his debt but that's different issue and I should not be marred by telecheck and harassed by their collection agencies!!
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: PENTAGON FEDERAL CREDIT UNION (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open/closed Open NO KNOWLEDGE OF SUCH ACCOUNT WHILE I WAS SICK WITH XXXX XXXX XXXX FOR A THIRD OF THE YEAR, NO CONTRACT, NEVER WENT INTO A BANK TO OBTAIN ANY LOAN
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: EQUIFAX, INC. (CA)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts : XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$580.00} This is my follow-up complaint to ensure the investigation of the listed accounts.
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. (IL)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$640.00XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Re : Disputing errors on credit report To whom it may concern, This complaint is against XXXX XXXX XXXX for the account XXXX XXXX  for the following violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of 1974. 

Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between XXXX XXXX XXXX and me. 

Furthermore, I am requesting that XXXX XXXX XXXX  provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that have been adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. I am giving XXXX XXXXXXXX XXXX 30 days from the date that of the receive complaint to provide me with the information that I am requesting. If the requested information is not received in the allotted time given, then it will be assumed that the late payments can not be verified on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request the removal of the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and an update to the accounts to positive and paid as agreed. 

Your cooperation in this matter is crucial to ensure the accuracy of my credit report and safeguard my rights as a consumer under the FCRA. I look forward to a timely resolution.
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)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 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. (KS)

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022
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)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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. (NJ)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-03-15
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. (MS)

I have reviewed my consumer reports and noticed that I had several late payments on two accounts that I have never been late paying. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with COMPLETE MAXIMUM ACCURACY. I have never been late on payments for the following accounts : XXXX XXXX - XXXX and XXXX XXXX - XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments inaccuracies be updated to PAID AS AGREED/NEVER LATE as they should be as I was never late. I thank you in advance.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX 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 2017-09-13
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. (VA)

Equifax mishandled my information which puts me and millions of other people at risk. I am also mentioned as a potential victim according to their XXXX website, and would like a resolution.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (GA)

I was advised in when I was making my XX/XX/XXXX mortgage payment that my XX/XX/XXXX payment was due. I paid my XXXX payment on XX/XX/XXXX and indicated that to my mortgage company. They advised that my payment was reversed on XX/XX/XXXX citing an " invalid account ''. I contacted my bank ( XXXX XXXX XXXX ) who confirmed the transaction was complete and no reversal was done. They provided me with a trace number. My mortgage company did their investigation and after 30 days requested additonal time for the investigation. In the meantime, they provided an update to the credit bureau that my XXXX payment was more than 30 days late, even though it was still XXXX and I made the payment and it was under investigation ). I also incurred late fees. Within a week they determined that I did owe the money and then cited that it was actually the XX/XX/XXXX payment that was paid and reversed. ( Which is also not true AND not their original complaint. ) I called the mortgage company and asked them to send me all of the records of the payments I made since this company had only purchased my mortgage in XX/XX/XXXX from my previous mortgage company. The agent advised that my account showed XXXX XXXX payments that were made and one was reversed. I only made 1 payment and it cleared so it appears there is some error on the part of the morgage company. I have made payments in each XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and it reflects this in their documentation. The mortgage company continues to show I am late and now owe my XX/XX/XXXX payment but I do not. There seems to be a glitch somewhere on their end.
Consumer complaint received 2022-10-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Credit Services Inc. (MI)

Prior to the last communication that I received from FIRST CREDIT SERVICES, INC on XX/XX/2022 I noticed XXXX, XXXX has been trying to contact me through email for some time in regard to an alleged debt claimed said named owed to XXXX XXXX XXXX XXXX The amount said to be owed is {$280.00}. XXXX XXXX is violating the FDCPA Federal Debt collection practices act as well as my right to privacy. I demand XXXX XXXX to CEASE AND DESIST FURTHER COMMUNICATION WITH ME IN REGARDS TO THIS ALLEGED DEBT. I dispute having any responsibility or obligation to pay this alleged debt. If you stop the collection of this debt and forward it or return it to another company also indicate to that company that the debt is disputed. The only communication that I will accept is the communication by mail from XXXX, XXXX to notify me that this debt has been disputed.