davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding is illegally collecting and reporting a debt on my consumer credit report.

On several occasions, I have reached out to this company to get this issue solved. I originally sent this company a request to provide documentation that they are, indeed, entitled to collect on this alleged debt. They were not able to provide complete documentation, for I have never done business with this organization. 

My initial communication was a cease and desist, followed by a billing error notice. On XXXX/XXXX/2022, I received a response from this company stating that my previous complaint " did not contain sufficient information to resolve this matter ''. 

Recently, this company has received another request for documentary evidence of their authority to collect on this debt. I have received no response to this date. 

I have attached all correspondence I have had with this company.
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home Mortgage Alliance Corp. (HMAC) (MD)

We were supposed to close on the loan attached three  days ago and have heard no update or no end in sight leaving the buyer and seller homeless living out of hotels with their children. 

Loan officer is below. Outdated pre-closing disclosure is attached. 

XXXX XXXX XXXX Mortgage Operations Manager NMLS ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Mortgage Alliance Corp. 
XXXX | XXXX XXXX
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED COMMUNITY BANK (FL)

United Community Bank , Inc. ( UCBI ) took over XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had my mortgage payment on automatic payment from my account with XXXX XXXX. I have NEVER been late with a mortgage payment. On XX/XX/XXXX I received a threatening letter from UCBI saying my XX/XX/XXXX payment was past due and they may report me to Credit Bureaus ( caps used ). 

XXXX had withdrawn my payment from my account of XX/XX/XXXX. 

In addition to this letter, I received two letters from UCBI threatening to place forced flood insurance in one and forced hazard insurance in the other. Both letter said my insurance had expired. 

I checked with my insurance carrier, XXXX, and was told my food was in full force and due for renewal XX/XX/XXXX. The hazard was in full force and due for renewal XX/XX/XXXX. 

I feel UCBI sent these threatening letters rather than using XXXX XXXX XXXX 's records to change declaration page. They took over the bank and its records and customers, we didn't volunteer. 

I don't know if any law was broken ; however, they are not treating former XXXX XXXX XXXX XXXX customers well.
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (CA)

For the past 8-12 months I have been trying to get my account audited by XXXX XXXX  and prior to receiving your information. The previous 2 years. I just continue to get the run around and no one returns my calls or emails. My account has been moved from multiple servicing companies. This is where I think most of the problems stem from. XXXX, XXXX, XXXX etc. 

My main concerns started after I modified under the " HAMP '' program. My payments were not being applied to the principal but only to the interest I found out and the servicer of my mortgage at that time stated I defaulted... which is not true and that I would no longer qualify for the deferred loan amount of $ XXXX. One of the main reason I modified under this program was after the term I would have that deferred loan amount free and clear. Forgiven. 

Thes practice of the many servicing company was and still is criminal and unjustified and I will fight this until my account audited and corrected. Many of their servicing companies have representatives that barley speak English and clearly don't understand your mortgage concerns. I finally was able to get a very helpful representative and she was the one who told me that my payment were only being applied to the interest and not the principle. She immediately changed that on my account but it was already too late, and this is why I have taken this matter to Bureau of Consumer Protection and Consumer Financial Board and will continue to reach out to anyone at Deutsche Bank who will listen and review my account. 

I have written emails, make several calls and tempted to go to the branch in XXXX XXXX, Ca to get answers from Deutsche Bank so this matter can be resolved in a timely manner but Absolutely No Response. Yes, I have had financial struggles but during this period of thee HAMP program my payments were made and the terms were met. I would Like for Duetsch to reach out and resolve the dispute for the {$180.00} deferred loan amount.
Consumer complaint received 2022-04-03
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX has violated my consumer 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 an account without my written instructions. I never gave them written instructions to furnish information onto my consumer report.
Consumer complaint received 2022-04-03
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX has violated my rights. 

I have never heard of this company. The FCRA states that a consumer has the right to be notified if any financial institution submits or plans to submit any negative information to a credit reporting agency. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-04-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (OH)

They did not process my payment when they said they would and charged me {$140.00} in extra interest, admitted to me on XXXX separate phone calls it was there systems fault then today determined I had to pay the interest anyway despite a screen shot showing the payment conformation of XX/XX/XXXX. They keep giving the run around and are auto deducting the money from the account.
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (AZ)

On XXXX XXXX I notified my serve prepaid account holder due to noticing that even though I am a direct depositor as stated on the website XXXX XXXX XXXX XXXX and have been a cardholder since XX/XX/2017 and always had over {$500.00} deposited to my account monthly. I notified them due to going back and realizing that they were charging me a monthly fee totaling {$140.00} even though during every statement period I had over {$500.00} consistently deposited into my account. The above website clearly states to sign up for an account and if you deposit {$500.00} in a statement period there would be no monthly fees. I spoke to a supervisor that had no clue and told me to call back but now am only getting disconnected so want to file this complaint about action and my money. Thank you
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX holds an auto loan in mine and my daughter 's ( XXXX XXXX ) name. The loan has been paid every month on time through ACH and we have the documentation to substantiate. For some reason, this month they decided to show it as closed and sent to collections. My daughter has been on the phone with XXXX XXXX all morning and no one can explain why this has happened and what their plan is to correct it. This is not correct. We still have the car. The payments have been made on time every month. Help!
Consumer complaint received 2024-04-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (VA)

On XX/XX/XXXX, I received my approval notice from the Borrower Defense  Application # XXXX, which said that my application was approved through the XXXX XXXX XXXXXXXX suit. In this letter, it indicated the college that I attended and my loans would be discharged, and I would receive any payments back to me in this notice. 

In XX/XX/XXXX, my student loan account should have been in Forbearance until my account was resolved. I received notice from MOHELA that payments were due in XXXX, and MOHELA took my account out of forbearance. 

I called the Borrower Defense in XX/XX/XXXX and they confirmed that my claim was approved and that information had been sent to MOHELA. 

I contacted MOHELA again in XXXX, and they indicated that they hadn't received that information. 

I then contacted the Federal Student Aid Information Center and made a complaint # XXXX. The Federal Student Aid confirmed again that my account should be in Forbearance with the XXXX XXXX XXXXXXXX case and confirmed that they sent this information to MOHELA again in XX/XX/XXXX. 

In XX/XX/XXXX, I sent MOHELA a copy of my written correspondence with the Federal Student Aid Information Center stating that my account should be in Forbearance and a copy of my approval letter electronically to their portal. 

MOHELA still took an electronic payment in XXXX. They escalated my account to a supervisor and skipped my XX/XX/XXXX payment. My account still needed to be placed in Forbearance. 

In XX/XX/XXXX, MOHELA processed another payment through my bank account through direct deposit. 

XXXX, XXXX I called MOHELA again, and they indicated they had not received several forbearance notices and indicated they would put my account on hold for payment. 

XX/XX/XXXX I filed a second complaint with the Federal Student Loan Office again, asking about the status of my account being in forbearance and asked about the XXXX XXXX  XXXX case. The complaint was complaint # XXXX. They stated again that they sent this information to MOHELA. 

As of XX/XX/XXXX, my account is still not in forbearance as it should be through the XXXXXXXX XXXX XXXXXXXX approval. I keep receiving delinquent payment notices from MOHELA and Federal Student Aid after repeatedly making complaints with both, making multiple phone calls, and providing information between the agencies. 

I just want my application through the XXXXXXXX XXXX XXXXXXXX case to be processed and for my credit to not be negatively affected by MOHELA not properly processing my application and my forbearance after being contacted on multiple occasions and multiple complaints having been made.
Consumer complaint received 2023-10-19
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: MAS FINANCIAL SERVICES, INC. (CA)

Mas Financial Services is reporting on my credit report as a Auto Loan which is incorrect information I dont have a auto loan its a Credit Sale, do to this inaccuracy I need the auto loan removed from my credit report immediately. Also any late payments after the repossession they need to be removed immediately this vechile is now sold. 

After a vechile is repossessed it is sold at a auction for a fraction for what is owed to the original creditor, Mas Financial is no longer allowed to report late payments. 
Defaulting on payments beyond XXXX, XXXX, XXXX is inaccurate, XXXX XXXX is when the XXXX XXXX XXXX was repossessed. If this matter do not get removed after sending this complaint out I will have to take this matter further. 

Also MAS FINANCIAL is in violation of privacy act 1974, I didnt give MAS FINANCIAL Consent to report my personal information. I will like to opt out of this charge-off, 15 U.S.C 6802-15 U.S.Code 6804. I ask that MAS FINANCIAL to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 I ( 5 ).

Also Mas Financial Closed this Credit sale which they state on my credit report as an Auto Loan but it is now showing reopened it should still show closed, please remove this inaccurate information from my credit report immediately.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (GA)

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.

has violated my rights. Or 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 2019-04-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

somebody fraudulently open a credit account for {$1100.00} under my name in XXXX   XXXX in XXXX Ca and I dispute directly with the company that reported the information in this case synchrony bank and my dispute claim was denied my synchrony bank, and also called the collection agency first source and I was told by then that synchrony bank denied my dispute claim as well. 
According to synchrony bank I have to pay this fraudlently account for {$1100.00}. 
This is not right, fair and honest. 
How can I pay something thay I didn't incurred or do? 
synchrony bank telephone ( XXXX ) XXXX XXXX XXXX telephoe ( XXXX ) XXXX
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (WA)

This complaint does not fit exactly into the options provided. My last day of work was XX/XX/XXXX. I worked XX/XX/XXXX and was entitled to Holiday Pay for XX/XX/XXXX. I sent them a registered letter disputing I owed this debt. I have never heard back from them.
Consumer complaint received 2022-04-04
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Synovus Bank (GA)

On XX/XX/2022 at XXXX I called First Progress to ask why they put a delinquent note on my credit report. They say that they will erase it, but they didn't. That is hurting my credit score. 
The number I called is XXXX
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX & Experian after reviewing my credit file I noticed inaccurate Information on all three credit report XXXX XXXX XXXX XXXX XXXX XXXXn You are reporting Purchased by another lender _ paid in full / was a charge off However XXXX & XXXX DO NOT SHOW THAT. Per the FCRA all consumer Information must report 100 % accurate in this case delete this inaccurate Account across Board. 
XXXX You are stating on your report Have been Modified you are not reporting who the account was sold too.. violation of FCRA should be XXXX cred . their is no modification inaccurate information. 
XXXX & Experian Payment History is Inaccurate on this account! 
XXXX you are reporting a 30 day late on this account for XX/XX/2018 Experian is reporting on 30 day late on XX/XX/2018 This information is inaccurate XXXX is showing
Consumer complaint received 2022-04-04
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. (OH)

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-19
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. (NC)

I have been trying to remove fraudulent accounts from my credit report since XX/XX/2019. On XX/XX/XXXX, I mailed a dispute package to Equifax, XXXX  & XXXX asking them to provide me documentation they used to validate the fraudlent accounts that were a result of Identity Theft. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) also FCRA 605 ( b ) therefore, the accounts must be deleted from my credit report within 4 days.
Consumer complaint received 2022-04-04
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. (NC)

I have a hard inquiry from XXXX XXXX XXXX XXXX. I didn't get any finance or I never shopped with them ever. 

In accordance with the fair credit reporting act XXXX XXXX  # 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.