davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MD)

1 ) The mortgage servicer US Bank Home Mortgage has failed to accept and permit the submission and review for Mortgage Assistance to XXXX XXXX XXXX. XXXX XXXX RMA application was denied on XX/XX/XXXX. US Bank Home Mortgage stated that no options were available based on insufficient income. An appeal period of XX/XX/XXXX was provided. The appeal was issued to US Bank Home Mortgage on XX/XX/XXXX, within the required grace period. US Bank Home Mortgage chose to ignore the appeal and furthermore state appeal was never received. US Bank Home Mortgage then entered a sale date of XX/XX/XXXX. 

2 ) US Bank Home Mortgage also denied and rejected mortgage assistance application submitted on XX/XX/XXXX. US Bank Home Mortgage previously stated they would honor the application since it was seven business days before the scheduled sale date of XX/XX/XXXX. However, the very next day US Bank Home Mortgage denied application stating application was not complete. US Bank Home Mortgage requested information that was not required for completion of file. Based on my XXXX Tax Return, US Bank requested a P & L statement of two business that were no longer in operation. Which was also explained in the Letter of Explanation dated for XX/XX/XXXX. 

3 ) US Bank Home Mortgage improperly started the foreclosure process prior to the customer, XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect. 

4 ) In addition, this constitutes dual tracking, based on the process starting before the 120-day delinquency period and US Bank Home Mortgage stated that file would be reviewed for mortgage assistance programs ; however instead of being reviewed, file was denied and continued to press sale date of XX/XX/XXXX.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I have an Dept of Ed/XXXX account that was opened on XX/XX/XXXX thats reporting 2 late payments. I have disputed the late payments with the 3 credit bureaus on the basis of reporting inaccurate information. Each time the 3 credit bureaus stated that the Dept of Ed/XXXX  verified the late payments as accurate. I received a email from Dept of Ed/XXXX  on XX/XX/XXXX. It states that ; this is a reminder that your current 12- month Income-Driven Repayment ( IDR ) period will expire soon. How are the late payments accurate if I was on a 12 month IDR plan? I am uploading my email and a screenshot from XXXX XXXX of the late payments.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NJ)

I been banking with td bank in XXXX nj for about 6 years and sadly there was a fraud situation with my account. I went to the td branch to figure out what was going on. They called the fraud department, i was on hold for half and hour and when we finally got a hold of them they said there was nothing they can do and gave me a third party number called td demarketing number i called XXXX times no answer and no call back. Im fine with the account being close, i just want the funds i have in the checkings to be returned to me.
Consumer complaint received 2021-02-09
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is refusing to investigate my fraud claim and repeatedly sends me bad faith letters about how they are unable to determine the nature of my request. It has now been 119 days since I first reported the issue to them. They have hundreds of messages that they explicitly refuse to read and hours of recorded calls. They literally hang up on me when I call them because they think I'm their slave and they want me to XXXX XXXX XXXXXXXX when I interact with them. It is absolutely ridiculous and totally inappropriate. They are blatantly NOT trying to " maintain complete and accurate credit information. They are bad faith stalling because they know they are in the wrong and they defaulted on me and their bankruptcy / credit fraud strategy is to attack their creditors and draw this out as long as possible. I am suffering approximately XXXX XXXX dollars per week in damages as a result of the institutional fraud collectively known as XXXX. I am making zero payments denominated in USD to any US banking or Government entity until they cover their illegal short position and return my collateral. This is an existential problem for the US establishment and if it is not resolved it will result in the destruction of the establishment. The guilty parties have commited treason and enslaved american citizens. I'm not going to participate in any transunion processes or jump through any hoops to help them in their bad faith processes. This is now a political problem. Pay me NOW!
Consumer complaint received 2020-02-06
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. (IN)

I have an Dept of EdXXXX account that was opened on XX/XX/XXXX thats reporting 2 late payments. I have disputed the late payments with the 3 credit bureaus on the basis of reporting inaccurate information. Each time the 3 credit bureaus stated that the Dept of EdXXXX verified the late payments as accurate. I received a email from Dept of EdXXXX on XX/XX/XXXX. It states that ; this is a reminder that your current 12- month Income-Driven Repayment ( IDR ) period will expire soon. How are the late payments accurate if I was on a 12 month IDR plan? I am uploading my email and a screenshot from XXXX XXXX of the late payments.
Consumer complaint received 2020-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp (IL)

Creditors discount and aud. N/A I do not have no acknowledgement of this company or what it is this is identity theft and this is really messing my name and life up and i am willing to take any procedure to get this resolve as soon as possible
Consumer complaint received 2018-04-03
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (LA)

Me and 5 other tenants had our money orders stolen from our rental drop box on XX/XX/XXXX. called western union to report. they had me pay XXXX to proses. and on the XXXX they told me it was cashed, that being said they sent me an affidavit I paid to have it notarized, gave my address, rental information and copy of police report, mailed to their office on XXXX paid for 2day delivery, Now its XX/XX/XXXX and as of yesterday they claim they still have not gotten my personal and privet info??? I called USPS and had a rep to look up tracking number ( because I paid for postage ) AND CONFIRMED IT WAS DELIVERD ON THE XXXX OF XXXX  @ XXXX!!!!! I just spoke with the postmaster in Colorado because they have opened up an investigation and told me through verification their carrier picked up my mail, and delivered it to the facility, something is not adding up I would applaud ANYONE WHO CAN HELP ME I PAID FOR FEES AND STILL HAVE MY XXXX RENT MONEY UNACCOUNTED FOR AND THEY ARE RUDELY DENIYING ME TO SPEAK WITH THE FRAUD DEPT. PLEASE HELP IT IS MY PERSONAL INFO FLOATING IN THE COUNTRY??
Consumer complaint received 2019-04-07
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/2018 regarding an inaccuracy in your credit reporting. Specifically as it relates to collections that I did not recall owing, made by the following company XXXX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and I am seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Actous breach of my privacy rights. I further remind you that, as in you may be liable for your willful non-compliance based on FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX and protection afforded by the FDCPA. Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company,
Consumer complaint received 2020-02-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation (UT)

Payment was due XX/XX/2020. Was unable to.make payment, called company to work out arrangement to pay past due bill. I am out of a job, so don't have means to give firm date of payment. I assumed everything was arranged, and got email from company to confirm. I have recieved 5 calls In the 24 hours since I talked to them. I spoke again to an agent, And he assured me.that I would not receive any more calls for at least two weeks, and I would update them as to employment. I have since recieved 3 more calls within 6 hours of that call. This is harassment, and if I get a.new job, could cost me that job.
Consumer complaint received 2019-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

My credit card that I originally had from XXXX  XXXX went into collections however they sold my information to a different agency which contacted me to settle and pay off this debt and was told that this account would be reported paid and closed this account I made the payment in full. The credit bureau has now updated a report this inaccurate account as a charge off has if it as never paid this account.I reported this as a disputed to the credit bureau asking them to investigate this matter according to them they said that they have investigated and they have completed their report and they have updated my credit information that I failed to pay. I contact original creditors they told me that the creditors that they sold my information to has this account I called that creditor they said yes they do have it that I did pay and settle this account and it was not a charge off and they reported that to the credit bureau however the credit bureau has now updated this Inaccurate information to my credit report this account is viewed as failure to pay and now as a charge off. I responded to the credit bureau to have them update and do another investigation to update my credit report.I paid off a lot of my debts assuming my credit report and score would change. This account has been paid off for two years now. Credit bureau is reporting on some of my Credit report that some of my accounts are paid but I still have not gotten a score in four months.which is now costing me financially with a higher interest rate. Please help me with this manner thank you
Consumer complaint received 2023-06-12
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX  XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$13000.00}.
Consumer complaint received 2019-04-07
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. (MS)

IsubmittedmydisputeletterstoXXXXandExperianregardingincorrectpersonalidentifiers,negativeaccountsthatwerenotmineandinquiriesthatIdidnotauthorize.Asoftodaythosenegativeaccountsarestillonmycreditcausinganegativeimpactonmycreditscoreandmyfinancialabilitytoobtaincredit.Ihaveaskedforvalidationofsaidaccountsandhavenotreceivethepropervalidationthathasbeenaskedandrequireswhendisputinganegativemarkononescredit.IhaveasfortheCreditReportingAgenciestoprovideprooffromthefurnisherofsaiddebtsorDELETEfrommyaccountbutIhavenotreceivewhatIhaverequested.ItemsthattheystatebywayofcorrespondencearestillonmycreditandIaskedthattheybeBLOCKEDinaccordancetoSection605BoftheFairCreditReportingAct.IhaveaskeddirectlyforXXXXandXXXXcomplianceundertheFairCreditReportingActtovalidateaccountsorremovethemfrommyreportandtheyhavefailedtodoso.MynextstepwillbetoseeklegalactionbecausetheyhavecontinuetoviolatemyconsumerrightsundertheFCRAandIhavesentseveralrequestaskingforvalidationordeletion.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

I have called the courts in North Carolina and the law offices where the bankruptcy was started and they stated that this should not have been reported due to me never going thru with the bankruptcy. There is also an accident that is reported and I have had to call XXXX and have them to verify in writing that I was never in an accident. LexisNexis is reporting these things on my credit report and it is inaccurate. It has caused me to have a higher insurance rate. The bankruptcy has caused me not to be hired at a job.
Consumer complaint received 2022-09-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2019-04-07
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. (MS)

I submitted my dispute letters to Transunion and XXXX regarding incorrect personal identifiers, negative accounts that were not mine and inquiries that I did not authorize. As of today those negative accounts are still on my credit causing a negative impact on my credit score and my financial ability to obtain credit. I have asked for validation of said accounts and have not receive the proper validation that has been asked and requires when disputing a negative mark on ones credit. I have as for the Credit Reporting Agencies to provide proof from the furnisher of said debts or DELETE from my account but I have not receive what I have requested. Items that they state by way of correspondence are still on my credit and I asked that they be BLOCKED in accordance to Section XXXX of the Fair Credit Reporting Act. I have asked directly for Transunion and XXXX compliance under the Fair Credit Reporting Act to validate accounts or remove them from my report and they have failed to do so. My next step will be to seek legal action because they have continue to violate my consumer rights under the FCRA and I have sent several request asking for validation or deletion.
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZuntaFi Corp (PA)

I sent ZuntaFi an Affidavit of Truth, & invoice, via certified mail in XX/XX/2022, for a multitude of Federally protected Consumer Rights Violations under 15 USC 1692. The bad debt furnished on my Consumer reports is ruining my reputation and is defamation of character under Federal law.
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (OR)

I signed up for new service with XXXX XXXX. I had to call and cancel installation twice due to a family and work emergency. I contacted them both times and they said no problem at all and rescheduled a third installation appointment which was successful. I started receiving bills in the mail charging me for services that I had not received from months prior because my service had not yet been hooked up. I talked to XXXX 4-5 times totaling probably 9 hours on the phone, everyone I talked to could see I had never had my services hooked up and they acknowledged the charges were in error. They filed a dispute on my behalf and stated it should be an easy fix. I continued to get a new larger bill each month as the issue was not resolved. They decided it would be best to close that account and start up a new account which I still have today. They said it would be easier for them to fix if the account was closed, this turned out not to be true. today I received a letter in the mail from a collections agency trying to collect the debt. I am appalled that they sent this to collections. I have spoken to probably 20 different people in customer service, their offline team, and the collections department who took one look at the bill and acknowledged I should not have to pay it as I never had the services hooked up. I never received any documentation or communication from XXXX stating my dispute was ever filed or that it was denied. They just sent me straight to collections. Once again I never received the services they are charging me for, they have records showing I never even had a technician install the equipment for this account. Please help me resolve this. 

The collections agency they sent the account to is : Credit Control Corporation
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (NC)

Late payment showing on account on XX/XX/XXXX, and XX/XX/XXXX. Account has been closed since XX/XX/XXXX with date of last activity on XX/XX/XXXX. No late payments have ever been made on account. Payment history is inaccurate.
Consumer complaint received 2023-01-30
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (OK)

On XXXX XX/XX/XXXX, I sent a certified XXXX letter to Enhanced Recovery Company notifying them that I was not aware that their company was placing an account on my credit report. The company never followed up with a letter or verification after I sent that letter, the account continued to remain on my credit report. After that letter was sent the company continues to use tactics that are against the Fair Credit Reporting Act continues to age the account when not authorized to do so, with the most recent update in XX/XX/XXXX, I have had no contact with the company outside of the letter that was sent in XXXX. This company can not place an account on my credit report without notifying me by mail so I have the opportunity to dispute the debt and can not age a account to make it more current in order to keep on a consumer credit report. There needs to be an investigation that is done to see how many other consumers this company has done this to. I also contacted the originator of this debt and the company has not responded with a verification of the debt.