davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payment you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, since I opened the account on XX/XX/XXXX I had auto pay for all payments to be processed in a timely manner. XXXX is showing my credit report as late payment. However, XXXX XXXX is reporting that I have paid all payments on time. Since Transunion, XXXX and XXXX credit bureaus is stating on one of the screenshots I provided below as a past due payment I would like to see proof of accurate results on behalf on both sides of credit bureaus that show same results. unfortunately, it is impacting mXXXX XXXX XXXX. XXXX account # XXXX date opened XX/XX/XXXX and is marked as late payment for XXXX of XXXX. 

According to 15 U.S. Code 1666b - Timing of payments a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I would appreciate if you send me documentation that you will remove all derogatory information from this account, that is all I will require. 

Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of both statements of XXXX XXXX Transunion, XXXX XXXX. As well as any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30-day timeframe. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (RI)

During the worst time of COVID I paid my mortgage. Recently in XXXX of XXXX I started to fall behind, I finally broke down and requested a forbearance. PHH said 3 months, but gave it for 6 months. Under the CARES ACT I am able to extend for another 6 months if needed and if done by XX/XX/XXXX. I reached out to the mortgage company for help and was denied and extension, I was told the investors havent been paid for 2 years and need to be paid and that is the reason I cant get an extension. I am in the XXXX industry, the industry that was hit the hardest. I work at a XXXX and in a XXXX, I have job security. I am just waiting on the XXXX to open more and add more shifts ; but that can only be done by the department of business regulations , health department, and OSHA. The whole time I could of taken the forbearance like others and went 18 months without paying, but I didnt, I used my unemployment money to pay my mortgage. I finally realized 6 months ago that I needed help, and broke down and used the forbearance, I should not be penalized because I didnt take advantage of the system. Their communication to help me with this process is horrendous! They may have called me from XXXX numbers but I dont answer them because most of the time it is spammers. They never once left me a voicemail asking to help me. The person I spoke to said they cant leave a voicemail unless it says my name or number. When you call my phone, my voicemails says Hi you have reached XXXX. They could of left me a voicemail to get me in touch with the right people to help me. They sent me emails that went to my spam because they used 7 different emails. Customer Care, No Reply, Relationship manager email all these were in reference to my forbearance and it all went to spam. They made sure to send PHH Mortgage mail for my insurance renewal, PHH mortgage for flooding, discounts, feedback. The email I made a VIP so I stay on top of it XXXX XXXX XXXX XXXX they would send me my monthly statement which was last sent XX/XX/XXXX. I have received a few letters which state the forbearance, how much I owe, and if I need more help. I reach out for more help and I get denied. I never took advantage of the situation and didnt use it till I needed it, and now they are taking advantage of me when I need help the most.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Ive requested on several occasions for Equifax to stop reporting and re-inserting incorrect address to my file.They initially deleted an address that doesnt belong to me and then re-inserted this address without my permission once again. This is false reporting and they continue to this again and again. The address the continue to re-insert is listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have never lived at this address and have never request for credit or any form of housing/rent or used this address on any type of application. But they continue and are now refusing to remove this address from my file. This is a violation of my rights under the Fair Credit Reporting Act despite my request to have it deleted
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

I am appalled at the way this process has gone in getting a fraudulent account removed from my credit report. As TD Bank should know by now, I am a victim of fraud. I am also a trucker, so I dont have much free time to figure out how to get this fixed. I previously tried mailing them my ID theft affidavit, but I had an incorrect address for them. I tried calling in, but I was stonewalled because I didnt have my account information handy. After being transferred and put on hold multiple times, not a single representative would tell me where to send my affidavit. This is extremely frustrating. They literally refused to give me a simple mailing address! They are actively standing in the way of me repairing the damage done to my credit. I simply need to know where to send my documents.
Consumer complaint received 2021-09-30
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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (NV)

I have requested items on my credit report are investigated and please send me results in 30 days, This investigation took well over 30 days as I am still waiting results.
Consumer complaint received 2023-05-03
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. (TX)

Attention credit bureau I am writing to dispute the collection that recently returned to my credit report after it had been removed. According to the fair credit reporting act, the collection should not have returned after the removal.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

I tried to follow the response given in complaint CFPB XXXX. I called the number XXXX as directed to try to get my account unfrozen, to try to close the accounts. 

The number goes to " XXXX XXXX XXXXXXXX XXXX ''. I just want my accounts closed and am not able to do so. This is ridiculous.
Consumer complaint received 2020-12-08
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: CIT BANK, NATIONAL ASSOCIATION (TN)

I am a victim of identity theft. Because of the identity theft I ordered my XXXX  report and found the following inquiries that were not authorized by me : CIT Bank : XX/XX/2018
Consumer complaint received 2021-08-10
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. (GA)

Credit reporting agency is reporting inaccurate information on my credit report and it is keeping me from being able to obtain housing for me and my children. I sent a formal letter to them on XX/XX/2021 and I have yet to get a response. Please help me
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (RI)

On XX/XX/21 I lled out a form with XXXX XXXX  requesting more information about their loan programs. I was at work when I received a phone call shortly after. I stated repeatedly that I was at work and was unable to talk while the agent, XXXX, continued to ask questions. He asked for my social security number so we could " get things started '', which knowing I was speaking with a legitimate company I gave not knowing or at the very least having heard him say that his intention was to run my credit. I hung up the phone and immediately received a notication that there had been a hit on my credit report. I have spoken to multiple individuals expressing that my intentions were not to get a mortgage or have my credit run and asked to have it removed from my credit report. When they refused I asked them to let me hear the recording where I provided consent to have them run my credit. They have since refused to let me hear proof of consent and doubled down on their refusal to remove the inquiry
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX and XX/XX/XXXX, Bank of America charged my account {$220.00} that consists of 6 overdraft fees even though I have draft protection. In all my years, as a Bank of America customer, even if an overdraft fee was assessed, which was rarely, Bank of America would credit the fee back within days. This time, it has been a month yet no credit. I find it unethical and illegal to assess a {$35.00} overdraft fee on an amount less than that. For example, I was charged the {$35.00} fee on a payment of {$22.00}. 4 out of the 6 payments were well under {$35.00}. This pushed my account even further negative and completely ruined my budget. A few days later I got paid to make the account positive. The only reason my account went negative in the first place is that my employer was weeks behind paying. All of my fellow XXXX  including myself were unaware of this delay. As a Bank of America customer for over 10 years I should not have to be exposed to such egregious behavior especially thru the difficult times we are in.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

The account listed below was supposedly verified for ACCURACY on XX/XX/XXXX and XX/XX/XXXX by XXXX, Experian and XXXX. XXXX deleted the inaccurate account during the XX/XX/XXXX dispute process. This account was charged off on the following date ( XX/XX/XXXX OF FIRST CHARGE-OFF ). Since then, the account has repeatedly been updated as charged-off every month. This is an inaccurate update in my payment history. This inaccurate information falsely manipulates the statute of limitations. 

XXXX and Experian have failed to investigate this account twice. They have totally violated my rights per the ( FCRA ) 15 USC 1681e ( b ) Accuracy of Report This account is being re-aged and reported inaccurately which is destroying my credit opportunities. 

I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX
Consumer complaint received 2020-12-08
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)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; US DEPT ED XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2024-05-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Onity Group Inc. (CA)

I have called twice requesting to have the PMI insurance removed. The company says I have to keep it for the life of the loan. I asked for a home appraisal since the property has almost double in price. PHH has declined me twice.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (WI)

As of today, my Equifax and connecting reports with XXXX and XXXX. My credit report went from excellent then dropping 11 points to very good. 

I am being mislead after the company breach that my information was part of. 

I have never been late with payments and have an excellent history with my score. 

Now they want me to get more credit cards, that they suggest and are surely benefiting from, to raise my score again. This is awful and these companies should be ashamed of themselves. 

Im in the process of renting an apartment and they are getting a lower score of Very Good instead of Excellent. I am not willing to get more credit for anyone elses benefit. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I was recently notified ( XX/XX/XXXX) by an employee of HSBC Bank that my checking account has been incurring fees of {$50.00} per month beginning possibly no earlier than XX/XX/XXXX.

After complaining, the bank agreed to reverse 3 months of such fees. This leaves {$200.00} of my funds in the hands of the bank.

The account from which the fees were taken was a zero interest checking account. The bank states that I should have reviewed my bank statements, which I did, but I did not see the charges. The bank stated that they alerted me that the fees would start in an email which I never saw.

The bank also stated that I can open an account without any fees but that requires a lower balance to not incur fees, this I did at least until the fee issue is resolved.

I have had the checking account open since XX/XX/XXXX and was never previously charged a fee.
Consumer complaint received 2022-12-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Grain Technology, Inc. (TX)

I paid off my Grain account in full but they are continuing to report it as I owe to all of the credit bureaus. I tried to log in to the app to contact them but they have locked me out and I'm assuming because I have paid them in full. I received a notification a few days ago stating my credit limit was decreasing from XXXX to XXXX which is fine since they locked me out of my account months ago because I got married and they claimed I couldn't prove my name change even though I sent in all the proper paperwork and documentation.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Before I got detained on XXXX XXXX XXXX and held without bail at the XXXX XXXX detention center I was paying transUnion around {$30.00} a month for a lot of services which included identities that I contacted the creditors in early XXXX XXXX  and reported to the credit card companies that my wallet and tablet has came up missing and somebody was using my credit cards and debit cards while I was in incarcerated I have plenty of documentation and have submitted this over and over again I submitted this to the creditors. I disputed repeatedly on XXXX and I disputed and XXXX dispute where XXXX XXXX  had to remove their false information off of my credit report from where I was a victim of identity test and Im assuming because I proved I was in the XXXX XXXX detention center when charges were ran up and I was being charged with it being I paid for a service from TransUnion. XXXX getting ready to cancel my service because I get locked out and cant even see my credit report or dispute anything and the ones I have disputed about XXXX months ago, I never got any type of reply back not in the mail or anything, and every time I try to log into my TransUnion account it locks me out for security purposes, either way, TransUnion does not live up to what they charge if you cover identity theft, and unauthorized use of someones credit, but still report the false information on your credit report, then that slandering my credit and stopping me from being able to buy vehicle or rent an apartment a lot of things I already contacted the XXXX and the financial Maryland attorney general and if the issue is not resolved I will be following a lawsuit today since Ive been home I started to pay TransUnion another {$30.00} a month to monitor and for identity theft just in case it was to happen again and continue to be locked out of my account so Im asking for a refund and what TransUnion to honor the refund because they definitely didnt honor protecting my identity which they were paid up at the time I got detained in XX/XX/2022 and even got paid for XXXX while I was in the XXXX XXXX detention center XXXX
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (GA)

" According to my XXXX credit report, LVNV Funding LLC 's account number as reported by XXXX is XXXX. As of XX/XX/XXXX, my previously closed LVNV Funding Collections account was unlawfully reopened by LVNV and sent to XXXX. This credit reporting agency has unlawfully posted the negative LVNV closed collection account as reopened on XX/XX/XXXX, and opened on XX/XX/XXXX. I viewed my XXXX credit report and it showed biased and unlawful credit reporting by XXXX towards people of XXXX. My FICO score tumbled down XXXX points following XXXX 's decision to allow LVNV to reopen my closed account. Now it's displayed on my XXXX report, which just shows that XXXX XXXX is still alive. '' It appears that LVNV Funding Collections sent some documents to XXXX. However, it is unclear whether LVNV Funding Collections had the legal authority to reopen and close the account without any negative impact on my livelihood. Unfortunately, XXXX allowed LVNV bias to report the closed account as reopened on my XXXX credit report on XXXX XXXX.
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

My dad got in apartment/ home in his name when I was under age XXXX but he had to list his children in the lease since we would be living there as well. I am not sure what happen but they also put this apartment on my credit even though I wasn't the lessee as I am not responsible for this debt and should not be on my credit and it has been sent to a collection agency. I have made many attempts to remove this dept with no progress made. Please help as I am a young man trying to excel in life, I pay my debt. 
Creditor XXXX XXXX XXXX XXXX  Apartment account # XXXX account type : Collections Bureau Code : Joint date open : XX/XX/XXXX on XXXX, XXXX XX/XX/XXXX Balance : XXXX Payment Status : Collections/Chargeoff last reported : XX/XX/XXXX on XXXX, XXXXlast active XX/XX/XXXX, on XXXX, XX/XX/XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (NY)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful noncompliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.