davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (UT)

The company fails to reissue an escrow reimbursement check after 7 requests to do so. The company initially issued a reimbursement check. My spouse erroneously filed the check away. We discovered the check after it had expired and contacted the mortgage company to cancel the check and reissue it. They required us to return the original, uncashed check, which we did. Following up, they confirmed receipt of the uncashed check and promised to reissue the check. After 6 additional follow up calls over the subsequent 3 months, they still have not reissued the check.
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On the 19 I filed a report on CFPB to Bank of America, case XXXX. I've been calling Bank of America for over 3 weeks now, and I'm not getting any answers to my problem. I received an email a Resolution Specialist of Regulatory Complaints Department of BOFA, asking me to give him a call, I've called everyday, leaving voice messages asking him to call me back, and I've never gotten any answer. I've called every customer service number from them, nobody gives me an answer.
Consumer complaint received 2024-02-06
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. (MA)

n accordance with the Fair Credit Reporting Act, this creditor ( XXXX ) has violated my rights under 15 USC 1681. Section 602 states, I Have the Right to Privacy 15 USC 1681 Section 6O4A, Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666-B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Furthermore, this credit reporting agency ( TransUnion ) violated the above stated laws by varnishing a credit report with a late payment in XX/XX/XXXX under a revolving line of credit with XXXX, as well as XXXX late payments in XX/XX/XXXX and XX/XX/XXXX under an installment loan with XXXX. These payments have not and can not be verified as late and again under 15 USC 's 1666-B can not be treated as late.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am writing to bring to your attention a concerning issue regarding the credit reporting agencies ' failure to correct inaccurate information on my credit report. Despite submitting documentation on XXXX XXXX, the reported inaccuracies have not been rectified, adversely affecting my creditworthiness. 

I kindly request your intervention to investigate this matter promptly and ensure that the credit reporting agencies comply with their obligation to correct and update inaccurate information in a timely manner, as stipulated by the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I am a customer with Ditech a loan lender. We went bankrupt in XXXX XXXX and had an agreement with XXXX at the time ; the name was XXXX and not Ditech loans. We have been paying off this load since XX/XX/XXXX. We had to go bankrupt on creditors and we did not go bankrupt on the XXXX XXXX that was our pre manufactured home. We found out just from prying this information from Ditech we owe just under XXXX on the loan paying off the principal right now and if we re-finanace it would be another 25 year loan. So we could have a bill each month like we have been requesting from Ditech Loans for 2 years now. So we only have 8 years left on the loan to pay off this loan. The reason for getting you involved is that they have been giving us Informational papers instead of the Ditech bill which would have the principal and what is left on the loan. We tried calling them and they stated that they can only send informational payment letter each month because of the bankruptcy in XXXX XXXX. We have not missed a payement on our mortgage with this company and would like to have our billing statements back which they are not doing for us. We contacted our bankruptcy laywer that did it for us and he said there are no re-afermation letters you can give to the judge, the judges do not do this. So we have exhausted all our means of getting when we need. Please help us!!
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the  unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX  TD BANK USA/TARGET C -- XX/XX/XXXX XXXX  TARGET/ID -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX XXXX XXXXXXXX -- XX/XX/XXXX
Consumer complaint received 2020-06-30
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. (TX)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX accessed my credit file with XXXX, EXPERIAN, AND XXXX without my permission. This are a fraudulent inquiries, which I did not authorize On XX/XX/XXXX XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report. 

As up to date, XXXX shows the 3 inquiries, and the XXXX   and Experian still show the XX/XX/XXXX. 

Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above. XXXX is neglecting to remove anything, and the other two remove partially. Should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1.  ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported  immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and Experian did, and this in addition to several other inquiries started after the XXXX   data breach publicly known.
Consumer complaint received 2020-06-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (AK)

I was down to owing XXXX XXXX XXXX back in spring/summer of XXXX when I had a death in the family. In XXXX of XXXX, XXXX XXXX contacted me and said if I pain 80 % of the remaining balance, {$280.00}, they would mark the loan as paid in full and close the account, so I did and they sent me a receipt. Now suddenly, 6 months later in XX/XX/XXXX, a collection agency Ability Recovery Service starts reporting to all 3 credit bureaus that I owe THEM the {$360.00}. I have tried to call the number that they list, but it comes up either busy like it's off the hook, or no one answers. 

THIS IS FRAUDULENT and unfair and an attempt to collect on something that has already been paid. I WILL NOT pay twice and the fact these people NEVER WROTE to me, called me or contacted me says it all. 

I want it taken off my credit report. And I want credit reporting businesses like XXXX XXXX, XXXX   and XXXX  to be held responsible. Apparently they will just take ANYONE 's word WITHOUT ever ACTUALLY verifying information. I could send them a letter saying my ex-husband owes me {$36000.00} and they would put THAT on his credit report. SHAMEFUL!!!!! Goes against EVERYTHING the FCA is suppose to protect consumers from.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX  I filed a complaint with the Cfpb on the company XXXX XXXX XXXX reporting inaccurately and not giving me proper due process on my credit reporting rights.The company responded on XX/XX/ saying that they did a proper investigation report but to fix the problem and resolve the issue, they would delete the tradeline from the credit bureaus as a result! Nothing has changed on my reports and I still have inactivation being reported on my credit report.
Consumer complaint received 2020-06-24
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. (DC)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
These inquiries are not related to any transaction made by me.
Consumer complaint received 2024-02-05
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-30
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. (TX)

On XX/XX/XXXX XXXX XXXX  XXXX accessed my credit file with EXPERIAN without my permission. This is a fraudulent inquiry, which I did not authorize, since I never authorized anyone employed by XXXX XXXX, OR ANY OTHER COMPANY including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445  (  C.D.Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and Experian did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.
Consumer complaint received 2024-02-06
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-30
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)

I BEEN A VICTIM OF IDENTITY THEFT PROBABLY FOR OVER SEVERAL YEARS ACCOUNTS, COLLECTIONS, AND INQUIRIES I HAVE SENT MULTIPLE TIMES THRU THE FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON TO PLEASE SEND ME DOCUMENTS OF PROOF THEY DIDN'T DO IT THE ONE ACCOUNT THAT THEY DID TAKE OFF THEY PUT BACK ON SAYING THAT THEY CALL ME MULTIPLE TIMES WHICH IS A LIE UNDER THE FCRA THEY WOULD NOT PROVIDE ANY PROOF OF WHAT INFORMATION THEY HAVE IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT
Consumer complaint received 2020-06-30
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. (TX)

I BEEN A VICTIM OF IDENTITY THEFT PROBABLY FOR OVER SEVERAL YEARS ACCOUNTS, COLLECTIONS, AND INQUIRIES I HAVE SENT MULTIPLE TIMES THRU THE FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON TO PLEASE SEND ME DOCUMENTS OF PROOF THEY DIDN'T DO IT THE ONE ACCOUNT THAT THEY DID TAKE OFF THEY PUT BACK ON SAYING THAT THEY CALL ME MULTIPLE TIMES WHICH IS A LIE UNDER THE FCRA THEY WOULD NOT PROVIDE ANY PROOF OF WHAT INFORMATION THEY HAVE IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the unsuccessful attempts to remove a charge-off entry from my credit report. Despite multiple efforts to address this matter, the charge-off persists, causing significant distress and affecting my creditworthiness. 

I understand that the charge-off in question is associated with the following account : I have made numerous attempts to dispute and rectify this situation, providing documentation and explanations to support the removal of this charge-off from my credit report. However, it is disheartening to note that these efforts have been unsuccessful. 

I urgently request the following actions be taken : 1. Thorough Review and Verification : Conduct a comprehensive review and verification of the charge-off entry in question, considering the documentation and explanations provided during previous disputes.

2. Communication Enhancement : Improve communication channels to keep me regularly informed about the progress made on my dispute and the steps being taken to address the charge-off.

3. Escalation of Dispute Resolution : If the charge-off is found to be inaccurate or incomplete, I request an expedited resolution and the immediate removal of the entry from my credit report.

4. Compensation Consideration : Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced.

I understand the importance of accurate reporting on credit files and the role it plays in maintaining the integrity of credit reports. However, the persistence of this charge-off is causing undue hardship, and I am seeking a prompt and fair resolution.

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove this account in my credit file : XXXX XXXX XXXX : {$1300.00}.
Consumer complaint received 2020-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

Good Afternoon and please help me~!!! 

I'm not quite sure who i need to reach out in regards to this, but back in XX/XX/XXXX-XX/XX/2018 i resolved this issue here with XXXX XXXX  and disputed it directly with them and the company that held this debt. It was determined that the account was not mine and it was deleted from all the 3 major credit bureaus. Today i pulled my credit and not only i found the only negative thing on my credit, but totally different collection name, different account number and different open date. This is wrong. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (GA)

I reviewed my credit file and I noticed that there are several items reporting inaccurately. Please assist me in getting the following items corrected : Incorrect Personal Information : Name : XXXX ( Experian ) There are Identity Theft or Fraud Accounts reporting : XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 
XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 

Please remove unauthorized inquiries : XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-30
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. (GA)

I reviewed my credit file and I noticed that there are several items reporting inaccurately. Please assist me in getting the following items corrected : Incorrect Personal Information : Name : XXXX ( XXXX  ) There are Identity Theft or Fraud Accounts reporting : XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 
XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 

Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX