davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2021-03-12
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. (IN)

I have been a victim of identity theft the following accounts have not been authorized nor have i given written consent. All of the accounts are indeed fraudulent and they are damaging my reputation and is a infringement of my privacy. please see attachment and remove all accounts listed.
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SLM CORPORATION (NJ)

Attempts to collect debt are still Continued- per Sallie Mae credit is paid on their end as reported here on previously filed. I have asked for a verification of debt and have asked for their XXXX license number to verify they are legally allowed to collect in NJ. I sent to letters and repeated have been asking for managers and either get that someone will return my call or they hand up on me when I ask for their license information. Under the follow laws I am Entitled to validation for 15 U.S. Code 1692g - Validation of debts
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. RADIUS GLOBAL SOLUTION Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status by XXXX RADIUS GLOBAL SOLUTION Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dispute of Negative Credit Score Due to Late Payment Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute a negative credit score entry on my credit report, specifically related to a late payment that occurred due to a technical issue. I kindly request your assistance in investigating and rectifying this matter. 

Account Information : Creditor : Bank of America Date of Late Payment : XXXX Explanation of the Situation : On the date, I encountered an unexpected technical issue that caused a delay in the processing of my payment to Bank of America I have been a responsible and punctual customer with an otherwise exemplary payment history, as can be seen from my credit report. However, due to this isolated incident, my credit score has been negatively impacted. 

Resolution Attempts : Upon realizing the issue, I immediately contacted the customer support department of Bank of America to explain the situation and rectify the matter. They acknowledged the technical glitch and expressed their apologies for any inconvenience caused. Furthermore, they assured me that the late payment would be adjusted, and the negative impact on my credit score would be reversed. However, despite their assurance, I noticed that the negative entry remains on my credit report. 

Supporting Documentation : To support my claim, I have attached copies of relevant documents, including correspondence with Bank of America regarding the technical issue and their promise to rectify the situation. Additionally, I have included any other relevant documentation related to my account and payment history. 

Request for Investigation and Correction : I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report. As an individual committed to maintaining a strong credit history, this negative entry inaccurately reflects my financial responsibility. I trust in the integrity of your bureau to rectify any errors and ensure the accuracy of my credit report. 

Conclusion : I would appreciate your prompt attention to this matter and a timely response regarding the progress of the investigation. Please inform me of the steps taken and provide an estimated timeline for the resolution. If additional information is required from my end, please do not hesitate to contact me. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (OH)

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : CREDIT MANAGEMENT # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/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. They are in violation of FDCPA XXXX.
Consumer complaint received 2021-03-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Hello! My mortgage lender is Freedom Mortgage. For the most part, they have been a good company to work with. However, I've had an issue regarding escrow and homeowner 's insurance. I had a policy in place with XXXX XXXX XXXX XXXX ( XXXX ). I believe the effective dates were XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX, I received a notice that the premium for XXXX was going to increase over {$1000.00}. Because of this, I reached out to my insurance agent to shop around for another company. They were able to secure me a quote with XXXX XXXX XXXX for much less. 

Freedom Mortgage had already paid out the premium to XXXX, so I requested cancellation through my agent. I received email confirmation that my agent sent the new policy information over to Freedom Mortgage on XX/XX/XXXX. Sometime in the XXXX timeframe, I contacted Freedom to request the status of the premium refund ( I was told to contact XXXX directly for this ) and to let them know the agent sent over the new insurance information. 

On XX/XX/XXXX, a notice of rescission was sent from XXXX 's saying that my Homeowner 's Insurance policy was cancelled due to a lack of premium payment. I received this document on/around XX/XX/XXXX. On XX/XX/XXXX, I immediately contacted my agent to try and figure out what was going on. She informed me that the premium was never paid, and promptly got me another policy. The policy effective date was XX/XX/XXXX. Freedom did pay out this premium on XX/XX/XXXX. 

Due to the lapse in coverage from XX/XX/XXXX to XX/XX/XXXX, Freedom sent me a letter stating that I needed to provide proof of insurance or they would implement " Lender Placed Insurance '' for approximately {$740.00}. I called Freedom, explaining that the original XXXX XXXX policy was put in place, but due to a failure to pay the premium, it was cancelled. They told me it was put into a file, and that they would decide what the outcome would be shortly. In the end, Freedom Mortgage put the Lender Placed Insurance in place. I was contacted and told that they had only charged me what I was expected to pay from my original policy, and that they would cover the difference. However, based on my escrow account balance, a total of XXXX was taken out. My policy total from XXXX is {$2000.00}. The 56 days that I was without insurance would have cost me about {$320.00}, not {$740.00}. So even with Freedom 's outcome of me paying what I would have owed, they overcharged approximately {$420.00} from my escrow account. Ultimately, I do believe that, given the circumstances and my due diligence ( not to mention the hours my wife and I have spent on the phone trying to remedy the situation ), Freedom Mortgage should have been responsible for making the payment from my escrow. Thus, the lender placed insurance premium should be paid for by Freedom Mortgage. Thank you in advance for your time spent on this matter!
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX I submitted disputes to all 3 credit bureaus pertaining to XXXX XXXX  Per their last " investigation '' they came back as verified and updated that this account as no change. Per my credit reports, it shows that this was updated as recently as XXXX of XXXX. This is totally inaccurate. I had XXXX late payments in XXXX. They are also showing this on a closed account. With this reporting as recent as XX/XX/XXXX it now appears as a recent delinquency which has caused me undue financial hardship.
Consumer complaint received 2021-03-11
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: Experian Information Solutions Inc. (TX)

XXXX XXXX send a letter to all Three Major Credit Bureaus to inform that due to COVID i had a no payment requirement from XXXX through XXXX. Payments should be changed from late payments - XXXX shows 30 days late, XXXX through XXXX shows 60 days late. THis should be changed to on Time or NA so that it does not impact my score. I have been negatively impacted and it is affecting my ability to obtain credit for a home. XXXX XXXX  send notification to XXXX, XXXX  and Experian so that it can be updated. Please remove this inaccurate information from my credit report immediately. 
This account was handled incorrectly with XXXX  XXXX  causing me to pay more than what i had to pay every month. XXXX XXXX agreed to remove the late payments and update as positive. Please update the late payments from XXXX through XXXX.
Consumer complaint received 2020-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

While I was attending the University of XXXX for 7 years I obtained Student Loans. I graduated in XX/XX/XXXX. I did not have Navient as my loan carrier I had XXXX. XX/XX/XXXX I had begun a BK but did not complete it. XX/XX/XXXX navient said I owe XXXX well My loans are like 15years old and I had them paid down to XXXX. I attempted numerous times to ask how they obtained my loan and why it was so much, but no one could explain to me the reason except that is just the way it is. It is very upsetting when you feel you have paid down a debt only to find out it has increased. 
I have worked 10 years in a rural setting. I feel I should have my loans forgiven. 
Please assist me. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2021-03-11
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. (TX)

XXXX XXXX send a letter to all Three Major Credit Bureaus to inform that due to COVID i had a no payment requirement from XXXX through XXXX. Payments should be changed from late payments - XXXX shows 30 days late, XXXX through XXXX shows 60 days late. THis should be changed to on Time or NA so that it does not impact my score. I have been negatively impacted and it is affecting my ability to obtain credit for a home. XXXX XXXX  send notification to XXXX, Transunion and XXXX  so that it can be updated. Please remove this inaccurate information from my credit report immediately. 
This account was handled incorrectly with XXXX  XXXX causing me to pay more than what i had to pay every month. XXXX XXXX agreed to remove the late payments and update as positive. Please update the late payments from XXXX through XXXX.
Consumer complaint received 2020-03-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

Hello, I made some money on the investment this year, want to find a savings bank deposit some money get some interest, so I opened the Marcus in XX/XX/2020 online savings accounts, for {$17000.00}, in XX/XX/2020 for home in a hurry, I just want to take out {$5000.00} for urgent need, but in the evening my saving account is locked, call customer service to ask the reason, customer service didn't say anything, just ask about personal information, to unlock my savings bank account, log in to the bank on the net, I found that I transferred out of {$5000.00}, has been cancelled! I am very angry, I am a little confused, their money did not take the initiative to control the right, the bank to lock my account does not need a reason, I transfer some funds, the bank can take the initiative to cancel my practice, I do not understand this is my money or this is the bank 's money! I called again to ask, I was very angry to ask what the reason is, give me a statement, why do this? The customer service said that we need to verify your external link bank, the bank documents are my name of the bank! I asked how to verify, and the customer service staff said that the monthly statement of the bank should be sent to them, and then they can review it before I can continue to use my savings account. I said helplessness, it takes too much time, can I use email or phone online verification? The bank customer service says, can't, can send my bank monthly statement to them only, after they finish checking next, think to have no problem, I just can use my account again! I was very depressed, thinking is this my money or this is the bank 's money! It's like begging. It's not a good feeling! I said I used my savings account to pay my credit card. Why didn't you tell me yesterday that my savings account was locked and could not be used? Because log in the bank on the net, did not show any abnormal, also did not have any mail or message to remind me to can not use, however my reimbursement was returned like this, still paid extra fee, these losses who is to bear after all? My family is in urgent need of the money. What should I do? Personally, I have never met such financial institutions, such irresponsible treatment of their customers! Who will ultimately bear the cost of this incident? Marcus bank won't give me the use of my own money, I really have no way, feel so helpless! Hope to get your company 's help! thank you
Consumer complaint received 2023-01-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (OH)

Us Bank has an issue with their online bill payment systems which is leading to unfair late payment fees being charged to consumers. Currently the US bank lease systems are not set up in a way which allows their online website system accessible to customers to sync up to date information to their backend payment systems. 

In my personal example my lease payments were set up on autopay for US bank to be debited out of my checking account on the due date. US Banks systems have not debited the information out of my checking account despite their customer website designating that autopay is turned on for my account. When I spoke to a representative on the phone, the associate stated that their back end systems do not show autopay set up for my account at all. He mentioned that their back end systems do not sync with the online accounts and that it has been a problem before. 

I believe that US bank has a an issue with with their computer systems where the autopay setup information on their customer facing website doesn't sync on a timely basis with their back end payment collection systems. I believe this has caused me to be charged late fees in error and must be affecting other customers with similar issues. I believe this practice to be predatory in the sense that it stems from a lack of willful understanding of modern systems.
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I was a customer of Bank of America for a long time but am tired of the XXXX XXXX  XXXX I always end up dealing with, so I closed my last remaining account on XX/XX/20. The account had a negative balance of about {$170.00} so I made a trip to a local branch and made a CASH deposit with the help of a banker to make sure everything was handled, that all debts were settled, and that all my XXXX ties could be severed. LO AND BEHOLD less than 2 days later I get a message saying my rent payment of {$1400.00} was rejected and from what I can tell it's because I had a balance of {$1400.00} in the bank. SO it was rejected because of a {$.00} difference because some XXXX  XXXX can not count and now they want me to pay a penalty of about {$150.00} because my rent payment was returned.
Consumer complaint received 2021-03-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (MN)

My understanding of the Federal CARES Act of 2020 is that lenders have to remove late payments reported to the 3 credit reporting agencies. I work for a XXXX XXXX in MN and we have had to, and continue to, remove late payments reported throughout the pandemic. My lender, Global Lending services says they do not have to and I need to dispute with the reporting agencies. When I inquired what would happen, they stated the reporting agencies will come to them and they will then report once again that I was late. So it seems I will be stuck in a never ending loop of going nowhere.
Consumer complaint received 2021-03-11
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. (CA)

There is one account that is not mine I have not applied for this or know where it came from. Please help me out I have tried to go to the bureaus regarding this and no help. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2023-01-16
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: Southwest Recovery Services, Inc. (NC)

I have filed multiple disputes over the last 2 years with XXXX and XXXX requesting verification and the removal of the Southwest Recovery Services. Credit Bureau disputed were filed XX/XX/XXXX and XXXX XXXX. They continue to send results back the account is verified even though I do not owe Southwest Recovery Services {$4200.00}. On XX/XX/XXXX I reached out directly to Southwest Recovery Services and requested debt validation and they too did not validate the account nor the accuracy of the reporting in their response.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

Someone stole my identity and XXXX XXXX to open XXXX new credit cards issued by Comenity Captial on XX/XX/XXXX. I learned from the creditor that below purchases were made by the criminal at same day after new accounts are opened. 
XXXX. XXXX purchases {$680.00} and {$130.00} made by XXXX XXXX card at XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX. XXXX purchase {$610.00} made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX From XX/XX/XXXX to XX/XX/XXXX, I have called XXXX credit bureaus XXXX, XXXX, XXXX to dispute the new hard inquiry appeared on my credit report and requested for removal. I also requested the creditor to close new accounts and start fraud investigation immediately. I also submitted police report to protect myself from future crimes by using my identity.
Consumer complaint received 2021-03-11
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. (CA)

There is one account that is not mine I have not applied for this or know where it came from. Please help me out I have tried to go to the bureaus regarding this and no help. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account