davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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. (GA)

I moved to XXXX NC in XX/XX/XXXX and had several XXXX credit cards that I was using for moving and living expenses. All five accounts were current and had always been paid on time when XXXX unexpectedly closed the accounts without warning or cause. On XX/XX/XXXX I sent XXXX a letter asking to reopen the account in exchange for the additional consideration. In my letter, I provided two offers to XXXX, with the first being to reinstate the accounts in exchange for the consideration which was enclosed. The second offer was to accept the consideration as payment in full. XXXX accepted the payment and never reinstated the accounts. Shortly thereafter, XXXX began reporting the accounts as late and eventually as charge offs. However, the accounts were settled in full per the letter sent XX/XX/XXXX and I was never late on a payment. On XX/XX/XXXX I decided to pay additional consideration to XXXX in exchange for their agreement to remove the negative information reported. They again accepted my consideration checks but never removed the negative items from my credit reports. I have attempted to dispute the information with the credit bureaus as well as directly with XXXX many times but they continually fail to report the account accurately. On XX/XX/XXXX I sent XXXX a letter again disputing the status of the accounts and demanding validation. XXXX failed to provide adequate validation and simply replied to my demand with old credit card statements. XXXX also failed to report all five accounts as being in dispute. On XX/XX/XXXX I sent XXXX another letter demanding the five accounts be updated to remove all negative items, or to correctly report the accounts as never late, paid as agreed. Today, I received more letters from XXXX simply providing old credit card statements once again. These five credit card accounts are negatively impacting my credit XXXX and XXXX has deliberately and continually ignored my demands to correct the information.
Consumer complaint received 2022-06-03
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)

List of violations ; In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX ending in # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report 2. Identity Theft XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Recently I paid off my credit card account with Bank of America but somehow they drafted my XXXX XXXX account twice for {$11000.00} ( my final payment ). 
I noticed a credit for {$11000.00}. on my Bank of America credit card statement. I called customer service around XX/XX/XXXX and requested the statement to be refunded. I was told that the amount would be refunded to my XXXX XXXX checking account within 7-10 business days. 
On XX/XX/XXXX I noticed that the {$11000.00} credit was no longer showing in my Bank of America account but it still was not returned to my XXXX XXXX checking account. 
I opened an inquiry online to find out where the money is. I have called customer service more than 7 times ( waiting on hold for hours ) but Im not getting an answer. Every time I call Im told they will open an inquiry and have an answer in 7-10 business days. This has been going on for 37+ days now with no resolution. I also received a letter from B of A saying that they researched the incident and the money was returned. However I can provide bank statements to show the money was never returned to me. Please help. I really need this money. 

I have called customer service multiple times. I have also emailed their Executives ( XXXX XXXX, XXXX XXXX, And XXXX XXXX with no response.
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MA)

Due to the COVID-19 pandemic I have experienced a significant loss of income. I own a small XXXX family home which I run as a short term XXXX  for the XXXX area. I've lost all my XXXX  for the next XXXX months - at a minimum. I have saved for an emergency but nobody has planned for something like this. 

I called Flagstar Bank - my mortgage services - and asked what I could possibly do to work out a deferment plan. They were adamant that there would be no deferment plans and only a forbearance was possible. I explained to them that I would not be able to make up that lost revenue and they told me in no circumstances would they work out a deferment plan for any of their borrowers. 

I have never missed a mortgage payment in 5 years and I work very hard on my credit score which is  currently at XXXX. I called as a faithful borrower who has done everything right and I was told that it was essentially too bad if I couldn't make a forbearance balloon payment at the end of this then they would proceed with foreclosure.
Consumer complaint received 2024-03-18
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. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX - XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-06-03
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. (FL)

Transunion is reporting these collections as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2020-04-06
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: EQUIFAX, INC. (MD)

I contact XXXX XXXX XX/XX/2019 and let them know I did not authorize this inquiry onto my credit.
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NM)

XXXX XXXX illegally tacked on unexplained and incorrect charges to my cellular bill. They are claiming a debt in the amount of {$2300.00} for 2-3 months of service is owed. I called them numerous times for an adjustment and correction to the bill. They refused. I disconnected the service and paid only the monthly amount I owed. XXXX XXXX turned over the unpaid charges to collection agencies. The current one, Radius Global Solutions keeps calling daily from various telephone numbers.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX
Consumer complaint received 2020-04-06
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. (NC)

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX
Consumer complaint received 2022-06-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advance America, Cash Advance Centers, Inc. (FL)

NOTICE : NEW INFORMATION. 

I would like to put this on the record in the event this becomes a legal matter in Federal Court.

I am a Consumer a natural living man pursuant to 15 USC 1692a ( 3 ).

I am the ORIGINAL CREDITOR the ORIGINATOR Pursuant to 15 USC 1692a ( 4 ).

I would like to clarify and put ADVANCE AMERICA and its representative/agents on NOTICE for FRAUD or FRAUDULENT activities or deceptive and misleading business practices and could result in Legal Actions under title 18 and other Federal Laws. 

ADVANCE AMERICA is in violation for failure to provide or produce an AUTHENTICATED RECORD OF ACCOUNT as requested and required under law to provide or produce for ANY claim. Any FALSE CLAIM may result in legal actions under the False Claim Act pursuant to 31 USC 3729 ( a ) ( 1 ) ( A ) ( B ) and 18 USC 286- Whoever enters into any agreement, combination, or conspiracy to defraud the United States XXXX or any department or agency thereof, by obtaining or aiding to obtain the payment or allowance of any false, fictitious or fraudulent claim, shall be fined under this title or imprisoned not more than ten years, or both. 

On XX/XX/22 a dispute was conducted for proof of claim by producing or providing to consumer an AUTHENTICATED RECORD OF ACCOUNTING. 

On XX/XX/22 ADVANCE AMERICA responded with NO PROOF or DOCUMENTARY EVIDENCE or an AUTHENTICATED RECORD OF ACCOUNTING. 

ADVANCE AMERICA failure to respond within 30days is a violation under law. However, with good faith an extra 10 days was given so that ADVANCE AMERICA in good Faith would produce or provide my request for an AUTHENTICATED RECORD OF ACCOUNT to prove their claim. ADVANCE AMERICA responded in 84 days and still did not provide or produce ANY documentary Evidence of ANY AUTHENTICATED RECORD OF ACCOUNT regarding claim against consumer. 

For the record A response was given by ADVANCE AMERICA on XX/XX/22 with NO NAME or representative on the note or letter. Please provide me with a NAME of the person who responded back to me on XX/XX/22 so that I can hold that agent or representative of ADVANCE AMERICA liable in the event this goes to Federal Court for violating my consumer rights.

I am demanding ADVANCE AMERICA to zero out this account and remove my personal and private information from ANY and ALL 3rd party affiliate companies such as XXXX XXXX XXXX. ADVANCE AMERICA is in violation under federal laws pursuant to 15 USC 168g ( 11 ) Transferring my identification or financial information or my information has been used or transferred ( or has been alleged to have been used or transferred ) without my authority or consent of the consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. 

If this is not resolved within ( Ten ) 10 days, I will be holding the President, Vice President, and Chief Financial Officer liable for defamation, Harassment, mental anguish and punitive damages in Federal Court.
Consumer complaint received 2020-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MI)

My complaint is with Navient. In the month of XX/XX/20 I received a notice of Recertify your payment plan notice that has no money owed, document sent Navient recertify payment plan. The notice state your new monthly amount will take effect when your loans re-enter repayment. 

Navient I need to know student loans owed with original amounts dates, interest accrued and lender name. By law I am entitled to know. 

I do not owe any student loan. 

Also the {$600.00} monthly payment for 12 months amount does not represent any principal amount owed for student loans with dates and interest. The $ XXXX  monthly payment states how much Navient request only.
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Immediately prior to COVID, we were working with PHH Mortgage/Ocwen on a modification plan. We had fallen behind on payments as ( then ) Ocwen had told us to pay once we receive its statements but its statements were sent to a wrong address rather than the address of record. Modification was approved, but our relationship manager specifically instructed not to pay as she said there were internal irregularities with the loan paperwork. She said she was fixing the problem on an expedited basis ( w/I 3-5 days ) so we may proceed with the modification. 2 days later, they recorded a foreclosure notice against our family home. We have since fought them for a modification. Each time they approve one, and we meet all conditions, they find a way to put us back into a new modification trial period. Recently, after we made all trial payments on time, they refused to send us the modification paperwork to sign, then reversed the modification for not signing the paperwork they refused to send. After fighting them again, they started a new modification trial plan. We made our 1st payment on time, only to learn ( when we tried to make 2nd timely payment ) that they reversed the approval because their agent made an error in processing the 1st payment. We only learned of that when we contacted them to make the 2d payment. They never tried to contact us ( thru any means ) to verify the bank account info. Instead, they automatically placed the account into active foreclosure status. They are refusing to communicate with us or solve the problem. They are missing scheduled appointments. They are refusing to put a hold on the active foreclosure as we try to communicate and resolve the problem. Both my husband and I are elderly and are severely XXXX. This company continued to delay in order to force us to either pay the entire sum in full or lose the house in foreclosure. Please note that we have tendered payments all along ( since this problem started ) but they refuse to accept payments in order for the payments to add up to a point where we can not pay or lose the family home. Please help.