davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

XX/XX/XXXX : I contact Bank of America ( BOA ) to assume my ( 2 ) current mortgages ; both currently in my and my ex-husbands names. He is remarried and resides with his current wife in a different city. He quit claim to the property and filed bankruptcy after our divorce was final in XXXX. I continue to occupy and pay both mortgages since XXXX. BOA told me the application process for assumption is the same as the application for refinance despite explaining that I do not want to refinance. Application packet received in mail. 
XX/XX/XXXX : I complete application, attach taxes, allow access to previous tax returns, check stubs, tax bill, insurance dec page, etc ; weeks of gathering documents and signatures including signed and filed Quit Claim Deed. I have not had a late payment to BOA in years yet 'XXXX  from BOA ' claims there is no alternative but for the big bank to run a credit check, refuse my request for assumption and turn my life upside down. Instead of helping me, they hide behind red tape to price gouge me out of my home. Even go as far as renege the despicable offer to refinance based on my credit score ( which is ALL medical bills ). They will not offer any level of existing customer consideration for my explanation of low credit score or good payment history. Not sure what their end game is but to make living my current home unaffordable. I need to assume my mortgage ( s ) under their current terms, i.e. payment amount ( s ) and interest rate ( s ). I am under court order to do so and have NEVER missed a payment with BOA. Today I call to speak with anyone who could help me and 'XXXX  from BOA ' says I have no alternative but accept the rejection. There are no loan officers or underwriters who speak to customers so I am filing a complaint against the big bank who I believe can and should do better for people. I believe I read online that the law says I am not required to refinance in order to assume the mortgage ( s ) which leads my question that BOA is choosing to treat me this way. As an existing customer I should not have to seek out or pay for legal counsel to negotiate with a mortgage company.
Consumer complaint received 2021-12-28
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. (GA)

While checking my credit report, I notice an account from XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXXXXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act the following companies have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have a right to privacy.

16 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX  ( Finance ) XX/XX/2021 XXXX  XXXX  XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Bank ) XX/XX/2021 XXXX  XXXX  ( Finance ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX Auto ) XX/XX/2021 2021
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2021-12-28
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXBalance  {$0.00} XXXX XXXXBalance  {$0.00} XXXXBalance  {$0.00}
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MI)

ACCOUNT OPENED XX/XX/XXXX CAR WAS TOTALED ON XX/XX/XXXX CLAIM WAS MADE WITH XXXX XXXX ON XX/XX/XXXX THE THE REMAING BALANCE OF THE VEHICLE TO CHRYSLER CAPITAL WAS PAID ON XX/XX/XXXX SETTLEMENT VALUE IN THE AMOUNT OF {$28000.00}
Consumer complaint received 2024-03-11
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. (FL)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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. (GA)

This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 2021-12-28
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. (VA)

TransUnion XXXX XXXX, XXXX XXXX XXXX  XXXX, PA XXXX I contacted TransUnion and XXXX about a bankruptcy that has been showing on my credit report. They've stated several times that they have been verifying this information with XXXX. Appalled by that information, I went directly to XXXX XXXX and in response to my inquiry they claim to have never verified this item with these companies. This would mean this bankruptcy is by law considered UNVERIFIED. 
I've done several disputes and I've sent several letters to both TransUnion and XXXX to have this bankruptcy removed and still nothing is being done.
Consumer complaint received 2024-03-11
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-03-10
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. (PA)

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2021-12-28
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. (MI)

XXXX XXXX XXXX {$9300.00} ACCOUNT OPENED FRAUDULENTLY AT A RESIDENCE I NEVER LIVED AT BEFORE HAVE CONTACTED THE ORIGINAL CREDITOR ON SEVERAL OCCASIONS FOR INFORMATION ON SUBMITTING A FRAUD AFFIDAVIT VIA MAIL AND HAVE YET TO RECEIVE ANY DOCUMENTATION IN REGARDS TO RESOLVING THE CURRENT ISSUE OF UNAUTHORIZED CHARGES
Consumer complaint received 2022-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

THIS IS NEW INFORMATION REGARDING XXXX AND XXXX Account # XXXX I have have summitted the Cease and Desist letter recently as they have just received/signed it on XXXX so XXXX can not say I sent the same information before. I am waiting for the letter XXXX claim they sent on XX/XX/14 which I requested to cease all communication as well the Debt validation including the audit trail.
Consumer complaint received 2018-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

I paid my mortgage for the month of XXXX. There were issues with paying over the phone. I mailed in my money order XX/XX/XXXX. I still haven't received the money order back. I have never ever been late on any of my mortgages or credit cards. I was excited about Ditech. However, I see I'm overpaying. I have XXXX children at home and a XXXX in the hospital XXXX XXXX XXXX XXXX. This company hasn't even tried to help us lower our mortgage payment. Now they reported we are 30 days late. I strongly believe they reported this late payment to prevent us from refinancing with a new company. My mother and I have never ever missed one payment with any company. My mother had a credit score of XXXX and now it's XXXX. This is such a horrible experience. Even though my money order hasn't been returned. We still paid XXXX mortgage for the second time XX/XX/XXXX. We scheduled another payment for XXXX in hope the money order would return in time. This negative credit report in inaccurate. Also, the company sent us foreclosure documents already instead of asking us what happened. This is very traumatic. Why would we receive foreclosure assistance? Lastly, my kids told me someone from Ditech left a note on the door to call them. This is very invasive. I am very nervous about the mortgage company coming to my home.
Consumer complaint received 2023-10-19
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. (GA)

On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as current addresses. I do not notice these accounts and never applied for them. I then reached out to Transunion, XXXX, and XXXX to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!
Consumer complaint received 2021-12-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Friedman Law Associates, PC (FL)

Paid for mortgage modification help upfront with guarantee they would be able to negotiate a modification, and this turns out to be false and listed as a scam on Florida housing website, a company is not supposed to take money upfront to help you modify your loan mortgage, they have companies that can do this for free on your behalf, and then when I requested my money back, they stop responding to me.
Consumer complaint received 2021-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XXXX : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Consumer complaint received 2021-12-28
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)

IVE BEEN TRYING FOR MONTHS TO REMOVE ITEMS THAT ARE FRAUD ON MY ACCOUNT, I EVEN FILED A FTC REPORT.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (ME)

Received a letter XXXX XXXX from Citi Bank stating there might be a fraudulent account setup in my name. Called number provided in letter and they wanted my social security number and I didnt feel comfortable giving that information because I never setup or applied for this card. On XXXX XXXX received actual credit card in mail. Tried calling to cancel and Im not willing to provide my social security number over the phone on an account I never applied for.
Consumer complaint received 2022-12-20
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. (GA)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST MORTGAGE COMPANY (TX)

We refinanced our home with First Mortgage Company on XXXX XXXX for {$340000.00} after using them as our prior mortgage company when we first purchased our home. All payments have been made timely and with no interruptions until XX/XX/2021. At that time payments were switched to XXXX. 
We were notified in XX/XX/2021 that by XXXX XXXX of XXXX that XXXX XXXX holds the original promissory note and rights to service the mortgage. First Mortgage disputed this, but XXXX XXXX has provided documents showing otherwise. We then sought advice from an attorney that spoke with both XXXX XXXX of First Mortgage and XXXX XXXX. It is still not clear cut as to who our payments need to be made to, but First Mortgage provided no other legal documentation to prove otherwise, and it appears that XXXX does in own the note. We then began making payments to XXXX ( the XXXX XXXX chose to change to ). They agreed to keep our account current from time of payment and to fund our escrow to match what was in escrow with First Mortgage. We requested our escrow funds from First Mortgage and at first they agreed, until this past week they sent a letter stating that they would be using the escrow funds to pay for the payments missed to First Mortgage, although payments were made to XXXX  ( XXXX ). We are desperately trying to resolve who to make our payments to in order to not have foreclosure or credit issues. Please advise.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report XXXX XXXX XXXX XXXX Account Number : XXXX