davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$420.00}
Consumer complaint received 2019-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (NC)

This complaint is against Atlantic Bay in regards to my mortgage escrow account. I asked for an escrow analysis statement to be issued on XX/XX/XXXX Reference Number : XXXX. I needed this analysis as I received a property tax break for XXXX so there was a surplus of escrow. Atlantic Bay had a copy of my tax bill which amounted to {$610.00}. The projected amount for my taxes was {$2800.00}. So as you can see this was a justifiable reason to ask for an updated escrow analysis.

The ticket was never resolved and I was never provided the escrow analysis. I called Atlantic back on XX/XX/XXXX explained what information I needed and why. I was told to open a second ticket, Reference Number : XXXX. The ticket was closed with no comments or resolutions provided. Atlantic Bay also removed my previous escrow analysis document from my account. Very suspicious. Since having the XX/XX/XXXX ticket closed I have made endless attempts to call Atlantic Bay and inquire why they will not provide the escrow analysis. I filed complaints, been told my tickets are being escalated, however each time I call I am not allowed to speak with anyone from the escrow department and each supervisor I speak to has a different story to tell. 
My last conversations were on XX/XX/XXXX with XXXX ( agent ID XXXX ) she lied and told me she opened an " escalated ticket '' for me and assured me I would receive a call back the same day. I called back on Monday, XX/XX/XXXX I was told no one named XXXX worked there and transferred to another supervisor XXXX ( agent ID XXXX ), She opened another ticket on my behalf and provided me an actual ticket number XXXX. She assured me I have a right to ask for the escrow analysis and she did not understand why they would not provide one. 3 days have passed and no one has bothered to call or respond. I have been asking for this analysis since XXXX and it is now the end of XXXX and Atlantic Bay continues to refuse to provide one.

Based on my research I have every right to request a new analysis to be made, however, Atlantic Bay is refusing to provide one. I feel my legal rights under RESPA have been violated. Atlantic Bay has no right to keep that money in my escrow. I believe they are refusing the issue the analysis because if they do, they are legally required to refund me the surplus amount. They, of course, do not want to do that, so they are just refusing the run the analysis. 

I am aware that allegedly NC switched their timeline for the required annual escrow analysis to XXXX, however, I should not have to wait that long, I prefer to have my analysis ran at the beginning of the year as it more aligns with when property taxes are paid out. I would really appreciate your assistance in enforcing Atlantic Bay to follow the law. Happy to provide more details if needed.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1300.00} and XXXX CARD XXXX Date Opened XX/XX/XXXX Balance : {$740.00}.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

To Whom ThiS May Concern : I am confused as to the entity claiming to own my loan. 
Please send me the last copy of the original Promissory Note in your possession and an accounting on my loan for the time you were the servicer. I have asked for this repeatedly previously, but it was not sent. 

Thank you
Consumer complaint received 2022-05-04
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. (GA)

The following account listed below, the date where it shows that I am late in making my payments was an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to both Bureaus and the furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses. 

XXXX  XXXX XXXX XXXX {$60.00}
Consumer complaint received 2022-09-16
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. (MO)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX MC XXXX Balance : {$670.00} ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION (PA)

On XX/XX/2023 a Checking account was open using my personal information. I contacted the company about this matter but couldnt get in contact with anyone over the phone so I went into a branch, they informed me the someone used my personal information to open an account online.
Consumer complaint received 2020-02-07
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. (IL)

I went to bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several items reporting on my credit file that does not belong to me. I need your assist in getting these items removed. The following items is reporting on my credit report as a result of fraud : XXXX XXXX - reporting on my XXXX report XXXX - XXXX - reporting on my Transunion report Unauthorized Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX DE XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MO)

XXXX XXXX XXXX, XXXX, XXXX and XXXX is reporting on my credit report a collection that claims I owe no debt to. I have no contract with this creditor and have no information about this said debt.
Consumer complaint received 2019-04-02
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. (MD)

On XX/XX/2019 I mailed certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX to dispute and the two accounts that appear all three of my credit reports ; Experian, XXXX, and XXXX. I requested a copy of proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received a letter from them on XX/XX/19 stating that " XXXX XXXX XXXX is the original creditor and not obligated to provide the documentation requested ''. This is a violation of the ( FCPDA ). Please see below information along with my attachments. 

The partial account number is XXXX Reporting amount {$870.00} The partial account number is XXXX Reporting amount {$490.00} Social Security # XXXX-XXXX-XXXX
Consumer complaint received 2019-04-02
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. (MD)

On XX/XX/2019 I mailed certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX to dispute and the two accounts that appear all three of my credit reports ; XXXX, Equifax, and XXXX. I requested a copy of proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received a letter from them onXX/XX/19 stating that " XXXX XXXX XXXX is the original creditor and not obligated to provide the documentation requested ''. This is a violation of the ( FCPDA ). Please see below information along with my attachments. 

The partial account number is XXXX Reporting amount {$870.00} The partial account number is XXXX Reporting amount {$490.00} Social Security # XXXX
Consumer complaint received 2018-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

Ocwen loan company has received several modification request alongside hardship request from me. For some reason they have the idea that a property owner can not redeem their property from foreclosure proceedings. 
This company has not taken all the steps to ensure that all homeowner laws have been abided by and the buyer should be aware of their deceptive practices.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I modified my mortgage through XXXX XXXX XXXX on XX/XX/XXXX and received a cancel debt for {$58000.00} which don't state it nowhere in the mortgage note, I've called serval times and talked to an XXXX XXXX  about the balance and canceled debt, she stated that the balance shouldn't be that amount and also told me that mortgage had been sold to XXXX XXXX XXXX, I have been emailed XXXX for them to explain but the only them they explain is the note. I have not been late or behind in mortgage since XXXX
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/19 XXXX XXXX charged two unauthorized debit card transaction ( {$370.00} & {$200.00} ) to my Regions debit card. On XX/XX/19, approximately XXXX XXXX   CST, I contacted Regions bank to advise that these transactions were not authorized and I was disputing them. I explained to the rep the reason I was disputing these transactions and she filed a dispute for the charges. I was told that it would take 7-10 business days for them to process it. I never received a letter in the mail so I contacted Regions again on XX/XX/19. I spoke with a female rep that advised me that my dispute/claim had been denied and I would receive a letter in the mail. I requested to speak with a supervisor. The supervisor stated that I would have to wait on the letter explaining what I should do to appeal the denial. I requested for a email address or a number to contact someone in the debit card dispute department and he provided me with an email address XXXX. To date, no one ever responded to that email that was emailed on XX/XX/19. On XX/XX/19 I went into a local branch and spoke with XXXX XXXX. I advised that I had not received a letter regarding my denial. She stated they normally do not send out letters. I advised her that I was told by the supervisor I spoke with on XX/XX/19 that I would receive one. She reviewed my dispute and stated that it appeared as if the rep filed it as fraud instead of a debit card transaction dispute. She submitted a ticket to have my claim reopened and she stated that it would take 5 more business days. I have now been told that they will not be able to credit back my account because I owe the company that took the funds from my account. I advised that XXXX XXXX did not have authorization and I have been going back and forth since this issue occurred. I do not have anything in writing as I have been speaking verbally with them each time that I have contacted them. The last rep I spoke with at XXXX was XXXX and I explained to her that XXXX took the payments without my authorization. I have withdrawn all authorizations to XXXX XXXX and the do not have permission to access my account.
Consumer complaint received 2019-04-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (NY)

I disputed this debt a couple of times on the grounds that I did not owe the debt to no eval. I began working with XXXX to resolve some discrepancy on my credit report. With the assistance of my case worker we requested validation of debt from Monterey Collections and disputed the debt. On XX/XX/XXXX received the attached letter stating in pursuance to the debt validation requirements set forth in the FDCPA was enclosed required proof of debt. The only thing enclosed was a original contract with XXXX XXXX XXXX minus the paper work regarding the loss of income insurance my chef had required me sign up for before he would ok the loan at origination. I called Monterey and requested any other information the company had showing that i still owed this debt and if so what i still owed on it. I also requested a full copy of the original contract. On XX/XX/XXXX I received the attached marked XX/XX/XXXX and an exact copy of the contract with the original loaner.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I applied for a credit card with capital one on XX/XX/19 over the phone, in doing so the representative that did the application did not disclose all the information of the process of the application. I was not told that my credit would be pulled from all three credit agencies. I called back in to inform them of the situation the same day because I have a credit monitoring service that alerted me of this. The person at capital one told me I can call in to have them removed or to redo the application. I told him that I didnt want to do the application again because that would put more inquiries in my credit reports. I called in on XX/XX/19 to see about getting them removed and was told by a supervisor name XXXX that my credit was not pulled but that was not true and I read her off the proof that came from the credit service. We went back and fourth about it until I asked to speak to someone else. The person I spoke with said that he seen the inquiries on my credit reports and there was nothing he could do about it.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2019 I mailed out the letter to XXXX to dispute the chapter XXXX bankruptcy off my credit report that was put on in correctly. I wrote a letter to the XXXX XXXX Bankruptcy court XXXX XXXX of Texas asking how the court provides information to 3rd part agencies regarding credit reports. They sent a letter back stating they do not send any information regarding my bankruptcy. I also have placed a XXXX XXXX   freeze on my credit file I received an email on XX/XX/2019 that it would take place in 3 days. I also received a letter stating that the freeze was on my file. I will include all these letter in this as well. I have mailed all this to XXXX  and to TransUnion. 
XXXX came back that they have verified with a third party reporting agency XXXX XXXX that the Bankruptcy was correct. There is no way they could have done that when there is a freeze on my account. Also TransUnion has come back that the bankruptcy is a true account. I have include the letters that have sent back to me as well. I have done this same process with XXXX and they have deleted it from my credit file.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (VA)

Somebody used my information, name and social, to apply for a credit card on XXXX XXXX. The credit inquiry on my XXXX account came from ComenityXXXX XXXX on the above date. I have already filed a dispute with XXXX and have contacted Comenity Bank to have them decline the application and close all that down. According to XXXX, my next step is to file a report with you all and send it in to them. Thank you for any and all help in the matter.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2019 I mailed out the letter to XXXX  to dispute the XXXX  XXXX bankruptcy off my credit report that was put on in correctly. I wrote a letter to the XXXX XXXX Bankruptcy court XXXX XXXX of XXXX asking how the court provides information to 3rd part agencies regarding credit reports. They sent a letter back stating they do not send any information regarding my bankruptcy. I also have placed a XXXX XXXX freeze on my credit file I received an email on XX/XX/2019 that it would take place in 3 days. I also received a letter stating that the freeze was on my file. I will include all these letter in this as well. I have mailed all this to XXXX and to TransUnion. 
XXXX came back that they have verified with a third party reporting agency XXXX XXXX that the Bankruptcy was correct. There is no way they could have done that when there is a freeze on my account. Also TransUnion has come back that the bankruptcy is a true account. I have include the letters that have sent back to me as well. I have done this same process with XXXX and they have deleted it from my credit file.