davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This notice is to inform TransUnion that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. Fair Credit Reporting Act ( FCRA ). Provided me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized these accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove account immediately from credit report with TransUnion. TransUnion reinsert fraudulent accounts on my consumer credit file. Reinsertion under the Fair Credit Reporting Act ( FCRA ) means that TransUnion has started to again report inaccurate information that was previously disputed by my consumer report and deleted by TransUnion and others from my consumer 's credit file. I did not receive the 5 day written letter stating the account was reinserted to XXXX XXXX account XXXX, XXXX XXXX XXXXXXXX. 15 USC $ Permissible purpose of consumer reports1681b. Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A. A Consumer reporting shall block the reporting of any information in the file of a consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( 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 ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Please Delete accounts from my consumer report immediately. Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card and FTC identity theft Report. I don't want to have to file a lawsuit against TransUnion.
Consumer complaint received 2022-05-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

FOLLOWIN UP ON COMPLAIN # XXXX XXXX. 

BANK OF AMERICA HAVE RESPONDED TO TELL US THAT THE ISSUE IS NO LONGER THE RESPONSABILITY OF BANK OF AMERICA BECAUSE THE LOAN IS NOW AT XXXXXXXX XXXX 

BANK OF AMERICA IS LIABLE FOR THE DERAILMENT OF THIS LOAN DURING THE FINANTIAL CRISIS OF XXXX AND BEYOND. 

WE ARE SEEKING COMPENSATION FOR THIS FINANTIAL INJURY. 

DURING THE DECADE OF XXXX AND BEYOND WE APPLIED MANY TIMES TO BANK OF AMERICA FOR A LOSS MITIGATION SOLUTION. 

BANK OF AMERICA FAILED TO DELIVER. 

OUR APPLICATION FOR LOSS MITIGATION WAS STUCK FOR YEARS IN BANK OF AMERICA FILES. 

PROCRASTINATION WAS THE NAME OF THE GAME. 

NOW IS THE TIME TO FACE THE MUSIK. 

TIME IS OF THE ESSENCE. 

WE ASKING FOR JUSTICE. THATS ALL WE WANT. 

THANK YOU, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

I am attaching a copy of an updated deed to show that the ownership has been updated to include my wife and son. There is simply no excuse for refusing a modification process in the past, and now there is more than sufficient income to validate a modification with a forbearance agreement. I am also requesting a fully detailed qualified written request, under my rights with the Fair Debt Collection Practices Act. My attorney XXXX XXXX, XXXX. has been notified by Ditech that an investigation of my file is ongoing. However, I believe that I was discriminated against as a member of the XXXX XXXX. I request a full review and approval of my forbearance/modification request.
Consumer complaint received 2015-07-20
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CA)

I have an open credit account with Synchrony Bank who back many different types of credit card financing, e.g. XXXX financing for Appliances ; Care Credit for medical ; cosmetic and vetrinary care financing and XXXX XXXX Pay for car repairs which I have. My complaint is this : Business practices are barely legal to my way of thinking. When you visit their website, you are continuously steered in the direction of giving them all of your information, or they wo n't let you into your account ; even with the correct password. Once you 've passed that hurdle then you are steered toward letting them into your bank account to take out money for payments and other things, and are told in contract that if they deem it necessary they will reach into your bank account and take out what they feel is owed to them based on whatever debit card you used to pay the last bill. Also, it is almost impossible to find a phone number or any other contact information for these people. The only thing listed for dispute resolution is an address which could take you months to resolve anything and by that time they can hit you with all kinds of late fees etc., although I have only had XXXX to date. I have always paid my card off before the interest period comes due. These people seem to try every trick in the book, with timing and otherwise to make sure that you either ca n't pay on time and they can hit you with a late fee and other financing fees or something. Their business practices may not be illegal, but they are certainly not ethical. My complaint is the way their business practices are structured from gathering information to collecting debt. This company is clearly a legalized loan shark preying on desperate consumers. I will pay the late charge that they hit me with because of a timing error with my bank over XXXX of XXXX weekend and I will close my account and never do business with these people again. Furthermore, I think that they should be investigated and shut down.
Consumer complaint received 2022-05-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Commerce Home Mortgage, Inc (CA)

On XX/XX/2022, the consumer and his wife applied for a mortgage with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 
With the information provided to me that I would get a loan rate of XXXX. XXXX XXXX was given the green light to move forward. A credit report was pulled and an application was done. 
A rate was supposed to be locked on XX/XX/2022 with the lender XXXX XXXX XXXX XXXX 
On XX/XX/2022, a re-disclosure was issued with a rate locked /extended at XXXX they said : the rate was never locked. 
From the date of XX/XX/2022, I was in constant contact with XXXX XXXX doing everything that was asked of me and my wife to ensure that the loan would be completed on time. Day in and day out I was in contact with my loan officer. He was telling me that things were moving in the right direction with XXXX XXXX, account manager at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, but it seems she became stagnated. 
On XX/XX/2022, a new re- disclosure was issued with a rate locked /extended at XXXX they said : the appraised value and the estimated value were different. Still, the loan process failed to move forward with the lock rate approaching the expiration date. 
On XX/XX/2022, I received a call from XXXX XXXX a loan processor at XXXX XXXX lending company XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX  XXXX She said, she was going get things going and try to close the loan next week. I gave her everything she requested as with XXXX XXXX and XXXX XXXX. 
They pulled a bait and switch on XX/XX/2022, to put me in a higher loan rate, telling me the new loan rate would be XXXX. The lender would not honor the old rate. It was not any fault of my wife or me. 
We left a lender because we were promised a lower rate.
Consumer complaint received 2019-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern, I pulled my credit report and noticed fraudulent accounts on my credit report. It is driving me nuts and I want your help I am trying to purchase a house ASAP & I just have a baby. I got in contact with them multi times and they still haven't got back to me so I am contacting you guys directly to remove the fraudulent accounts and the inquiries please and thank you.
Consumer complaint received 2022-10-27
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX .... Balance : {$870.00} ; XXXXXXXX XXXX XXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX If 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

According to 15 U.S.C 1681i it states i have the right to recieve a letter in the mail saying things are being disputed and investigated. experian and XXXX failed to do so. 
also 15 U.S.C 1681 ( 5 ) states i if information is found inaccurate or can not be verified it shall promptly be deleted. ALL THREE BUREAUS HAVE INCORRECT INFORMATION ON MY REPORTS ; DIRECT VIOLATION of my rights My one and only legal name and address is " XXXX XXXX XXXX '' ADDRESS IS " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX '' I demand all other incorrect info be deleted. 

in accordance with fair credit reporting act XXXX XXXX XXXX XXXX  account # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy EXPERIAN violated my rights the told me i was signing up for free credit reports but since ive not let back into my account and there is a recurring fee. XXXX XXXX AND EXPERIAN have all different things on my report inaccurate open/close dates, accounts that i did not give written insturction to furnish, accounts that are on some but not all ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), also charges from or hard inquiries from each bureau showing on my report. 
recurring XXXX EXPERIAN HAS CHARGED ME 10 times sending repeating emails when i never signed up for that and still have to recieve anything in the mail from all of the bureaus even though this expected and a violation of my rights if notXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have all violated my rights as a consumer, mainly the bureaus for furnishing this inccorect info but also taking action i did not approve of. 

15 usc 1666 a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose THIS WILL BE MY THIRD TIME TRYING TO DISPUTE W THE BUREAUS ON NOT HAVING MY CORRECT INFO AND FURNISHING THINGS ON MY CREDIT WITHOUT MY CONSENT REMOVE THESE THINGS : 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 2022-10-13
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. (GA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XX/XX/XXXX
Consumer complaint received 2024-03-08
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

My mortgage is currently serviced by XXXX mortgage. It is zoned a commercial property but has a residential loan attached to it. I have approached XXXX to correct this matter on may occasions. XXXX has advised that I have to complete an online form to proceed, however they have failed allow me into the portal. XXXX is in violation of many CFPB laws relating to loss mitigation and loan modifications, primarily CFPB XXXX. The rules listed below clarify the obligations of XXXX. 

XXXX Loss mitigation procedures. 

CFPB Rule 41 ( b ) ( 1 ) A servicer has flexibility to establish its own application requirements and to decide the type and amount of information it will require from borrowers applying for loss mitigation options. In the course of gathering documents and information from a borrower to complete a loss mitigation application, a servicer may stop collecting documents and information for a particular loss mitigation option after receiving information confirming that, pursuant to any requirements established by the owner or assignee of the borrower & # XXXX ; XXXX mortgage loan, the borrower is ineligible for that option. A servicer may not stop collecting documents and information for any loss mitigation option based solely upon the borrower & # XXXX ; XXXX stated preference but may stop collecting documents and information for any loss mitigation option based on the borrower 's stated preference in conjunction with other information, as prescribed by any requirements established by the owner or assignee. A servicer must continue to exercise reasonable diligence to obtain documents and information from the borrower that the servicer requires to evaluate the borrower as to all other loss mitigation options available to the borrower.
Consumer complaint received 2022-05-12
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. (CO)

on XX/XX/2022, I sent XXXX a certified letter to validate a debt they reported. I received no response so I followed up with another certified letter on XX/XX/2022 which they also received ( Ive attached the signed return receipt ). Still no response. I then sent a letter to XXXX, XXXX and Transunion requesting they verify this validity of the account as well as informing them this was a HIPAA violation. 
Furthermore, Transunion is reporting this an an OPEN account, it is a violation of FCRA to report a " COLLECTION " account as an open account. XXXX and Transunion have both noted in comments that the account was disputed, however, I have received no investigation results or proof this alleged account is mine, and TransUnion is still reporting it open. XXXX has simply not investigated nor removed the account. Ive included all letters, return receipt and copy of the credit report as reference.
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc (CA)

XXXX XXXX keeps calling me about a debt to landlord, claiming it was damage to a house beyond the deposit amount. I never had this person as a landlord, nor lived at the address they said I lived at, at any point in my life. I can prove this using signed lease agreements, utility bills and account records, and IRS records. They are also more than welcome to call my previous landlords to confirm I was renting their house during the time I was supposedly living in this made-up house. I keep telling them this, but they either hang up on me when I fight back, or threaten to sue me for this money that I do not owe or threaten to report me to credit reporting agencies.
Consumer complaint received 2015-06-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

I have tried multiple times to get this taken care of. I have no knowledge of the debt they have on my credit report. I mailed an original police report showing I have no knowledge of these debts, and they refused to respond to me. I want this invalid debt removed from my credit report, and I am willing to do whatever they need me to do to prove it 's not valid. 

The first company XXXX has also not been fair. They said someone signed a lease UNDER MY NAME completely online. That does n't even make sense, no real way to verify. When I offered to drive to XXXX to show my ID and prove it was never me they said they did n't keep any kind of camera or records like that. I never lived in those apartments and I DEFINITLEY never signed a lease it was fraud. They only tell me they ca n't look into it further and I have email correspondence with XXXX.
Consumer complaint received 2022-05-12
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)

On XX/XX/2022, I sent a written dispute letter via certified mail to Transunion LLC Consumer Dispute Center. The account still remains and have not been fully validated. 
On XX/XX/2022, I sent another written dispute letter via certified mail and the account still remains and have not been fully validated. 
Credit reporting company : Transunion LLC Consumer Dispute Center XXXX PA XXXX Account being disputed XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victim of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) I need the following Items removed now! 

XXXX XXXX XXXX, XXXX NV XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-27
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. (CA)

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. 

XXXX 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 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.