davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I'm trying to pay off a loan with Fifth Third. They are unable to help me process the last year 's worth of payments that they have sitting in a " suspense '' account rather than applying the payments to the mortgage. I've called almost 100 times now. 

This month they even returned money to me as they don't know how to process the payments. Their verbal pay-off balance they gave me today was some {$18000.00} above the balance of my loan but they admitted over {$19000.00} was being help bey the Bank but not applied to the mortgage payments. 

Further, they are trying to collect principal pay-downs on an interest only loan. I've tried many times to get Fifth Third to apply payments to my loan in accordance with the Note but have been unsuccessful. Now. they could well delay the closing on my sale.
Consumer complaint received 2018-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent a certified letter to all three credit bureaus requesting they delete this Closed account from XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. It has been well over XXXX days and still no response at all. This violates the FCRA laws that state the credit bureaus have a responsibility to report accurate information within a timely manner. And this was not done. I have been denied credit and my credit score has decreased drastically.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BBVA FINANCIAL CORPORATION (NM)

I had a mortgage with BBVA Compass and, in XXXX, the Escrow amount was changed. Due to the COVID lockdown, I did not receive notice of this change in a timely fashion because we were unexpectedly stuck in New Mexico and were not receiving mail from our California home. The monthly mortgage went out, as it did monthly, on XX/XX/2020 and, unbeknownst to me, was reversed on XX/XX/2020. I received NO notice of this reversal and it was subsequently reported as a " late '' payment. This very adversely affected my credit rating and has ultimately precluded us from refinancing our primary mortgage. The fact is, the payment was made ON TIME but was short due to the change in the escrow amount. This has caused a FALSE reporting to all of the credit agencies, causing a huge drop in my credit score ( which prior to this was above 800 ) and affecting the rates we are offered for refinancing. Thank you in advance for your help.
Consumer complaint received 2021-07-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I called Navy Federal Credit Union Dispute Department to pay {$680.00} but before I made a payment, I told them I wasnt going to pay until they removed the entire account off my credit report on XXXX, XXXX  and XXXX  which they agree and they would send a copy to my address that I paid and it was going to removed off my credit report. The phone called was recorded. After a month, I got a letter saying the loan was resolved but nothing that it was going to be removed off my credit report like they initiated on a recorded phone conversation. when I check my credit report the account was still on there which they lie.
Consumer complaint received 2023-08-01
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. (MD)

Subject : General Dispute and Request for Thorough Investigation - XXXX XXXX, XXXX, and XXXX Accounts Dear TransUnion Consumer Relations, I am writing this letter to formally dispute the presence of certain accounts on my credit report, specifically those associated with XXXX XXXX, XXXX, and XXXX ( XXXX XXXX XXXX  ). 

As a responsible consumer, I have diligently reviewed my financial records and found discrepancies in the reporting of these accounts. I request that TransUnion conducts a comprehensive investigation into each of the mentioned accounts and reviews the documentation I have provided. 

The specific accounts in question are : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXX : I believe there are inaccuracies in the reporting of these accounts, and they may not be representative of my true financial history. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. 

I kindly request TransUnion to thoroughly investigate each account and verify the accuracy of the reported information. During the investigation period, I expect TransUnion to mark these accounts as " In Dispute '' on my credit report, in compliance with FCRA Section 611 ( a ) ( 2 ).

If the investigation reveals any inaccuracies or discrepancies, I request that TransUnion promptly removes or corrects the disputed accounts from my credit report. This will ensure fair and accurate credit reporting and reflect my true financial standing.

I have attached relevant documentation to support my dispute, and I trust that TransUnion will handle this matter with due diligence and transparency.

Please provide written confirmation once the investigation is complete and the necessary actions have been taken to update my credit report accordingly.

Thank you for your attention to this dispute, and I anticipate a swift resolution in accordance with the FCRA guidelines. 

Sincerely, XXXX Enclosures : - Documentation supporting the dispute for XXXX XXXX, XXXX, and XXXX accounts
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MA)

Today XXXX is the XXXX time Citibank has notified me of what they call a potential fraud on XXXX or more of my Citibank credit cards. They put a hold on my accounts & I'm required to re-register my cards ( I have XXXX accounts ). They can not or will not identify what has caused the fraud notification & my investigation does not show any fraudulent transactions. I can only conclude that their fraud identifying algorithm is too sensitive. These situations take me away from my work & cause me to loose valuable time ( XXXX XXXX XXXXXXXX XXXX  ) from work and it causes undue stress for no reason at all. 
I hope you can help me & others with this situation. 
Thank you
Consumer complaint received 2017-12-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Zakheim Law Group, P.A. (FL)

I was sued by Zakheim Law Group allegedly representing XXXX XXXX on a credit card debt XX/XX/XXXX- case # XXXX XXXX XXXX XXXX XXXX . I answered ( pro-se ) alleging they had no standing as they did not appear to have been actually authorized by XXXX to represent them. Subsequently they filed an affidavit ( 149 pages ) containing my complete account records for over 2 years including the unredacted account # s and ID of various medical and other accounts. After losing my case and my counterclaim I was told by the Court that I could file to have this data redacted. This was not the case as I do not qualify for that and I am not permitted to have this filing made private as that is something only the plaintiff is allowed to do. I had notified Zakheim on XX/XX/XXXX in  my answer that I am a widow on a fixed income from SS and a small pension and exempt from any possible garnishment or attachment as I have no assailable assets. Zakheim proceeded to obtain some sort of authorization in XX/XX/XXXX to actually represent XXXX and proceeded to obtain and record a judgment against me, as well as proceeding to file judgments in several other cases that were in the same Court that were still open and had no activity for 3-6 Months prior. It is my contention that Zakheim had used the Court as a collection agent in many cases without actually at the time of filing being authorized to do so. In addition the publication of my account records including the names and account # s of various medical payees is a violation of my privacy rights under HIPAA.
Consumer complaint received 2023-03-29
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. (OH)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

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 2023-03-29
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. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following items in my file ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-08-18
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: CITIBANK, N.A. (AZ)

On XX/XX/XXXX and XX/XX/XXXX I attempted to contact Home Depot to remove me as an authorized user on account ending in XXXX that was opened on XX/XX/XXXX with a balance of {$1300.00} and a min. payment due of {$29.00}. I am not aware of obtaining authorization to be an authorized user on this account. All of the representatives at Home Depot were very rude, even when I escalated to management. Please remove me from this account. I already have my own Home Depot Credit card and this is reporting on all three credit bureaus.
Consumer complaint received 2023-03-29
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. (TX)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report and Bureaus letters last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-11-30
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: EQUIFAX, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-09
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. (OH)

In Accordance with the Fair Reporting act 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
Consumer complaint received 2019-09-11
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. (UT)

XXXX XXXX # XXXX is paid off and is still reporting a balance on my credit. This was charged off but I have already paid everything and it should no longer be on my credit.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX & XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-03-29
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)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I obtained a copy of my consumer report on the date of that is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit, but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. 

There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according too 15 USC 1681 ( a ) ( 4 ).

I am requesting valid proof and documentation that these negative items where investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy.

I am giving your company the opportunity to make this matter right by way of the following REMOVE ACCOUNTS REMOVE LATE PAYMENTS REMOVE INQUIRIES
Consumer complaint received 2023-03-29
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. (AL)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 Balance : {$3.00} XXXX XXXX XXXX Balance : {$5700.00}
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In XXXX I filed a complaint thru the CFPB and the response from Equifax was that they were working on it. It has been over 30 days now. Per the FCRA you have 30 days to investigate a dispute or the items must be removed from my credit reports. Here is my complaint from XXXX. I have called several times and I can not seem to get any help because of the language barrier with the customer service agents who don't understand what I am asking for. I have attached my identifiication to verify that is is me. I would like the following off my credit report. REMOVE FRAUD ALERT In regards to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer reporting agency is required to remove inaccurate derogatory information from a consumers file if it CAN NOT BE VERIFIED. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : 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 The following XXXX XXXX XXXX duplicates of each other. ATTORNEY GENERAL-XXXX  XXXX. Account status of both are incorrect. One is showing Date of first delinquency and date paid the same month. Schedule payment amount are incorrect, date open are incorrect on the duplicates both showing different dates, balance incorrect and terms frequency. I have attached my current balance along with this complaint.