davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-06-28
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. (DE)

My current ( Joint ) credit report shows an active mortgage of {$200000.00} with a bank. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is the same mortgage that we had them remove 4 years ago. They put it back on us, using my Wife ( XXXX XXXX XXXX SS # XXXX XXXX XXXX. ) I have spoke to them, they agree that it is not ours but have done ZERO to remove it. 
WE have never lived at the address shown ( XXXX XXXX XXXX XXXX MA, nor have we ever done anything with this bank. ( Except complain about this ) WE are currently applying at our XXXX XXXX XXXX XXXX XXXX for a HELOC. This is hold up everything When this happen 4 years ago, they sent our credit union a letter to acknowledge that this was an error on their behalf. Now they did it again! HELP. 
Respectfully '' XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting 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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/2023 XXXX XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2023, I wrote a check in the amount of {$1300.00} and mailed it. On XX/XX/2023, I noticed the check I wrote was cashed for {$4400.00} to a different payee name. I pulled up the image of the check on the Bank of America , N.A . app and saw that my check had been fraudulently altered in the amount, date and payee name. I called Bank of America 's fraud department ( XXXX ) on XX/XX/2023 to file a report. I was given a case number ( XXXX ) and informed to file a police report. On XX/XX/2023 I received the claim forms from Bank of America. On XX/XX/2023 I filed a police report, filled out the claim forms for Bank of America, and mailed the forms with the police report case number to Bank of America. 

On XX/XX/2023 I called Bank of America status department to see if the forms had been received. I spoke with XXXX in Maryland and I explained my financial situation that I could not afford to cover this check. Her response was it would take 60 to 90 days to hear a resolution. 

On XX/XX/2023, I called Bank of America again and spoke with XXXX in Arizona. She said it had only been 20 days and would take 60 to 90 days to hear a resolution. Again, I explained that I have medical expenses and can not afford to wait the full 60 to 90 days. She said she would put in the system to escalate this case to be handled quickly. 

On XXXX XXXX, I called Bank of America status department to check status of the escalation. I spoke with XXXX in XXXX and she said there was no notation of an escalation on my claim. XXXX said she was entering a complaint to expedite this claim. 

As of XX/XX/2023, there has not been any response from Bank of America , N.A . on my claim. I have had to rewrite the original check that was fraudulently altered, I have medical bills coming on top of my regular monthly bills due, and I don't feel Bank of America is handling this in an acceptable manner. I caught the fraud within 2 business days and Bank of America can't handle this for 60 to 90 days? It is not understandable why this can't be expedited when they have all the information requested.
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

Around XXXX of XXXX due to Covid-19, my travel business was affected. I called my servicer XXXX XXXX XXXX to request assistance. They provided a forbearance option and told me that after the forbearance period ends I would have the option to resume payment based on the information provided by the servicer. XXXX of XXXX I requested to resume payments with XXXX XXXX XXXX and they told me they transferred the loan to Fay Servicing. There was a waiting period due to transfer and I resubmitted the application for loan payment deferment and resume the monthly payments but they are saying that I should deed the property back to them. 

As Per the Care Act passed by Congress in XXXX of XXXX as a Covid relief package if a Borrower is experiencing financial hardship due to the coronavirus pandemic, the homeowner has the right to request forbearance for up to one hundred eighty days. The Borrower has the right to request for an extension for up to an additional one hundred eighty days, there will not be any additional fees, penalties, or interest added to the loan regular interest will still accrue. Other than telling the servicer that the borrower has a pandemic-related financial hardship, the borrower will not need to submit additional documentation to qualify for up to 12 months of forbearance. Upon completion of 12 months, the borrower can request to resume payment and the balance owed on the forbearance will be deferred towards the back of the loan. The monthly payment and interest will remain the same. 

Therefore I am requesting CFPB to intervene in this matter and provide a resolution based on the Cares Act of XXXX. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2021-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (IL)

I have a Health Professions Student Loan ( HPSL ) with XXXX XXXXXXXX XXXX ( UAS ) as the loan servicer. 

I work as a XXXX provider at a XXXX XXXX XXXX XXXX serving low-income and underserved populations. When the COVID-19 pandemic disrupted and halted XXXX XXXX I along with many colleagues were forced to reduce our hours and consequently income. According to the Department of Health and Human Services ( HHS ) and the CARES Act, which was initially passed on XX/XX/XXXX and has now been extended until XX/XX/XXXX, monthly payments and interests for federally associated student loans, including HPSL, are suspended. 

During the permissible time period, my HPSL servicer XXXX XXXXXXXX XXXX failed to comply with the provisions under the CARES Act. UAS continued to charge monthly payments. Furthermore, they continued to assess interests on a monthly basis as well as various fees ( please see attached statements of the most recent four months from XX/XX/XXXX to XX/XX/XXXX as examples XXXX. The largest fee {$8300.00} is incurred as a result of the collections agency XXXX XXXX. 

The most egregious action is that XXXX sent my HPSL to the collections agency XXXX XXXX in XX/XX/XXXX. I did not receive any communication from XXXX prior to this action being taken. In fact, I was only made aware that this had happened when the collections agency called me on XX/XX/XXXX to ask for payment. XXXX XXXX requested payment of the loan amount of {$37000.00} XXXX including fees and interest ) to be paid in full by XX/XX/XXXX. Understandably, this is not feasible financially. 

As a result of XXXX 's non-compliance with the CARES Act, I have suffered mental and emotional stress of the negative impact of this financial damage. The interests and fees my loan incurred during this time period are substantial, making my new total balance ( {$37000.00} ) almost equal to the original loan balance ( {$40000.00} ). I feel like I have to repay this loan all over again and will not be able to make any progress in my financial situation. 

I do not deny the loan and intend to fulfill my obligation to pay it. However, I am simply requesting UAS and XXXX XXXX to remedy the situation by : 1 ) retroactively removing all charges, including all interests and fees, incurred since XX/XX/XXXX as provided by the CARES Act 2 ) taking my loan out of the collections agency and into standard repayment status afforded by the CARES Act 3 ) ceasing any and all activities that may damage my credit score, including reporting to credit bureaus
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (AL)

I filed my unemployment after waiting months my unemployment come in a there was XXXX ony card after activating my card I see my money was going fast I didn't know y I got online see all kinds transfer an money coming out stuff I didn't know what it was I called an cancelled my card an filled a report on my card they told me that it would be fixt in a few days 30 days at the longest it's been 6monthes an still it had not been took care of that I needed that money that was stolen from me very bad since I never got. Back the was stolen it hurte bad very bad maybe y'all, can helpe
Consumer complaint received 2021-06-28
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. (NY)

These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.
Consumer complaint received 2021-03-14
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. (MI)

Collection accounts has been misreported on my credit report. 
with XXXX, Trans Union, and XXXX. Ive disputed with all three credit bureaus certified mail XX/XX/XXXX, AND XX/XX/XXXX, and previous times in XXXX. I'VE I ask for validation/verification for the following : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXy. Ive requested to see Verifiable proof with an original consumer contract with my signature on it. Under FCRA unverified accounts must be removed. XXXX Trans Union and XXXX failed to do any of the requested.I was sent investigation results : VERIFIED as Accurate without any supporting requested documents. Ive been in a number of breaches date breaches regarding XXXX and XXXX This has had negative impact on my credit scores. 

Ive requested removal several times through all the companies if they are unable to provide me copies with original signatures However this information still remains on my credit report as of
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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 2024-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (IN)

Sequium Asset Solutions. LLC Inc. at no point had permissible purpose to obtain, request, or review my consumers report pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). According to 15 U.S. Code 1692 ( b ) Sequium Asset Solutions. LLC Inc. is a debt collector. Sequium Asset Solutions. LLC Inc. previously obtained this account as a result of material misrepresentation, fraud, lack of permissible purpose & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ), 18 U.S. Code 1028A ( a ) ( 1 ) ( 2 ) and IC 35-43-5-3.5 & IC 35-38-1-2.5. 
XXXX did not legally obtain my consent to sale, transfer, assign, or disclose any non-public personal information pertaining to this account with Sequium Asset Solutions. LLC Inc. or any other third part as regulated by 15 U.S. Code 6802 of the GLBA. Additionally, XXXX failed to provide the consumer with FULL disclosure at the initial agreement and or signing. Failure to provide FULL disclosure of material information that is known to be relied upon by the consumer is misleading, an unfair method of competition, and unfair & deceptive acts of FRAUD.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (OH)

XXXX was paid off years ago to XXXX. I just received a letter from Jefferson Capital for a XXXX dept of {$630.00}. There Reference # XXXX. They have also put this on my credit report. 

Name on account : XXXX XXXX
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (PA)

The dispute is with PAYPAL CREDIT/SYNCB, XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX - XXXX. Account number XXXX XXXX XXXX XXXX, On XX/XX/XXXX, PAYPAL withdrew {$740.00} from my checking account. This transaction was not authorized. The charge on my checking account showed up as follows : XX/XX/XXXX - {$740.00} PAYPAL CREDIT - Paid with XXXXXXXX XXXX XXXX XXXX - Transaction ID XXXX. 

I request that the {$740.00} be returned to my XXXX XXXX, XXXX checking account. 

PAYPAL has been contacted via XXXX XXXX on XX/XX/XXXX with no response. 

XXXX XXXX XXXX was contacted XX/XX/XXXX & stated they would have to place a Hold on my checking account for up to 90 days to dispute the charge, but that is unacceptable for me to continue to pay bills online, etc,,, I appreciate your time & assistance in the resolving this dispute. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

This letter is in response to your recent claim that ( XXXX XXXX XXXX XXXX ) has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by ( XXXX XXXX XXXX XXXX ) .Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at ( XXXX XXXX XXXX XXXX ) regarding this alleged account. I am formally requesting a copy of any documents provided by ( XXXX XXXX XXXX XXXX ), bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SO CALLED UNEMPLOYMENT MOD APPROVED PUT HAVE TO PAY ALMOST XXXX AND XXXX AFTER???? WHAT KING OF UNEMPLOYMENT MOD IS THIS!!!!!!!!!!!
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX : -When applying for credit cards, I was denied by multiple lenders. These lenders stated were not able to verify my credit/identity information because they could not access my XXXX/TransUnion Credit Report. 

-I attempted to access my XXXX/Transunion credit report online, but was unable to access it, despite answering all identify verification questions correctly. 

-XXXX/Transunion required me to request my credit report by mail, and asked me to send sensitive personal information via mail. 

XX/XX/XXXX : -I am still unable to access my credit report online with XXXX and TransUnion
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

Jefferson Capital Systems reported a fraudulent account on my credit report that SIGNIFICANTLY damaged my credit score. This has affected my ability to find housing for me and my young daughter. Unfortunately I was tragically in an accident and needed to get a new car but found out my credit score that i worked very hard and spent a lot of money and time repairing. Please delete this fraudulent mark off my credit report, yes an identity theft claim has been made.
Consumer complaint received 2021-06-28
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: Convergent Resources, Inc. (OH)

Kindly dispute it from my report im a senior citizen and Im not sure this account is too old or incorrectly reported. 
I appreciate your assistance. 
Kindly dont harrass me and keep on sending letters, moreover please remove as i dont have or ever had any negative activity on my report. 
XXXX  XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2021-06-28
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. (MO)

I'm demanding that these unauthorized fraudulent accounts be removed from my credit file. The following accounts I have never did any business with. They do not have the right to harass me by reporting these fraudulent accounts on my files. I'm asking that they be removed. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX, XXXX {$170.00} 3. XXXX, XXXX {$810.00} 4. XXXX, XXXX {$570.00} 5. XXXX XXXX  XXXX {$180.00}
Consumer complaint received 2022-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

XXXX XXXXo XXXX XXXX XXXX and PennyMac re Home Insurance payment for for XXXX XXXX XXXX, by Check no. XXXX, reference number XXXX. 
In XX/XX/2022 I submitted payment for my property home insurance to XXXX XXXX which was later returned back because the payment was made by XXXX XXXX XXXX, who is not a mortgagee under this insurance. 
Please explain why XXXX XXXX made this payment for my home insurance to XXXX XXXX if another company claims to be a Servicer and mortgagee. 
Please identify my creditor and its individual employee who authorized XXXX XXXX to make payment for my home insurance. Please provide this employees position with my Creditor ( it is a bookkeeper or an accountant? ) and full contact information for this employee, business address, phone number and email. 
Please identify XXXX XXXX individual employee who received this request from my Creditor to make payment to XXXX XXXX. 
Please explain why XXXX XXXX made payment from account which has routing number XXXX XXXX XXXX ; while I was instructed to forward XXXX XXXX  to alleged servicer and mortgagee PennyMac to XXXX XXXX XXXX with routing number XXXX? 
Please verify ownership of both accounts.