davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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. (CO)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-01-18
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. (CT)

Hi XXXX, Equifax, and XXXX ; I was going through my credit again today and noticed XXXX negative accounts on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Each of those accounts is reporting multiple inaccuracies such as different dates from last active, last reported last payment, questionable balance, and the charge off balance are questionable. 

How come there are accounts in charge-off but I never received XXXX from the original creditors? How come you said you verified these XXXX accounts but yet it continues to report with multiple inaccuracies and violations? 

XXXX # XXXX Collection {$3000.00} ; XXXX OF XXXX # XXXX Charge-off {$83.00} ; XXXX  XXXX # XXXX Charge-off {$3700.00} ;
Consumer complaint received 2021-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2021, the IRS deposited some funds on my navy federal checking account, but navy federal only deposited {$1400.00} instead of the {$1800.00}.
Consumer complaint received 2021-06-22
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: Thaxton Investment Corporation (AL)

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 
Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. XXXX 2. XXXX XXXX of XXXX XXXX 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2021-04-07
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: Experian Information Solutions Inc. (OH)

I have XXXX accounts from XXXX XXXX XXXX on my report that I had no knowledge or consent I would like them to be removed from my report because they are not mines. 1 account was opened XXXX XXXX the other 2 was opened on XX/XX/XXXX XXXX
Consumer complaint received 2019-02-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

XXXX is an agency employed by USAA to manage mortgages and escrow accounts. XXXX manages our mortgage and escrow accounts. 

Our property has two tax accounts on it. XXXX paid one account in the amount of {$6.00} ( with  {$0.00} credit for full payment on time ). This account was paid on time, by XX/XX/2018. XXXX failed to identify the second tax account on the property. They failed to pay on time, thereby forfeiting the 3 % discount available ; and they incurred late payment interest charges. 

We had paid sufficiently into the escrow account to cover the second tax bill. XXXX mailed a check to us because they did not recognize the further tax obligation. 

We identified the problem and notified XXXX of the error on XX/XX/XXXX. XXXX directed us to destroy the overage check, and promised to pay the outstanding balance. 

Multiple phone calls and two letters have ensued as we attempt to correct the problem. XXXX eventually paid the taxes, but have made a mess of our account. Our escrow account should show a balance of {$1000.00}. They indicate a deficit of - {$2800.00}. They can not account for the balances or deficits that they are reflecting on our statement.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

IC Systems - XXXX XXXX XXXX XXXX  account was not opened by me. was removed and then replaced back on my report. that's illegal. please remove. I am a victim of Identity theft.
Consumer complaint received 2022-01-18
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. (CT)

Hi XXXX, XXXX, and Transunion ; I was going through my credit again today and noticed XXXX negative accounts on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Each of those accounts is reporting multiple inaccuracies such as different dates from last active, last reported last payment, questionable balance, and the charge off balance are questionable. 

How come there are accounts in charge-off but I never received XXXX from the original creditors? How come you said you verified these XXXX accounts but yet it continues to report with multiple inaccuracies and violations? 

XXXX # XXXX Collection {$3000.00} ; XXXX OF XXXX # XXXX Charge-off {$83.00} ; XXXX XXXX # XXXX Charge-off {$3700.00} ;
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My attorney, XXXX XXXX, XXXX. has offered Select Portfolio Servicing ( SPS ) a short payoff amount of {$1.00} XXXX of what is owed. She has presented proof of funds from the buyer whom I am selling to. More than one year later, SPS has not presented a payoff letter. The representatives have been hateful to Attorney Gross and her paralegals. SPS representatives are hanging up on her staff rather than giving Attorney Gross an answer on the status of a decision. Secondly, SPS has requested the same paperwork over and over again for a year. Usually after 90 days, SPS will send me a letter claiming that the submitted documentation is insufficient to decide on a decision. Note that SPS is requesting the same documents I had already sent. Next, representatives have made such comments as " we will wait to you go into foreclosure because SPS will get more money. Next, I received a letter encouraging me to do a " short sale '' -- which means SPS would accept a substantially lower amount from a stranger than my {$1.00} XXXX offer.
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

Hello, I have recently been trying to get my renewal date updated to reflect my accurate renewal date according to the Federal Student Aid ( FSA ) website. I spoke to a call center employee who was apparently putting me on hold and corresponding with a supervisor. My initial renewal date was XX/XX/2024, but I messaged them to let them know I didn't need to renew according to the FSA site https : XXXX ( " When do I have to recertify my XXXX plan? '' ) where it says my renewal date will be pushed out a year. After some correspondence with the supervisor they said that my actual renewal date was XX/XX/2024, conveniently, a few days after the cutoff for pushing the renewal date out, which is XX/XX/2024. 
Additionally, " XXXX '' page on the FSA site says " On an income-driven repayment plan, you usually have to update your income every year ( recertification ). Because of the COVID-19 payment pause, you dont have to update us yet. '' So, according to the FSA, I also do not need to recertify yet. 
I fear that they are trying to mislead me into recertifying early, which I have read online is happening to a lot of people. 
It also seems like they're misleading me because they said my recertification is on XX/XX/2024. Which is 1 day after my next payment, and they already increased my payment amount from my IDR amount to the 10-year amount for my payment due on XX/XX/2024. That makes no sense, if my recertification date was XX/XX/2024, then my payment wouldn't change until after that. 
I have messaged them 3 times ( once on XX/XX/2024 and twice on XX/XX/2024 ), I had to call them, and they said a supervisor would call me back. I did this on XX/XX/2024, but they did not call me back. I will call again tomorrow. 
Thank you.
Consumer complaint received 2015-05-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Prince Parker & Associates (NC)

Lady calls XXXX or XXXX per week for the past months asking me to pay something I do n't owe. I have told her around XXXX times to stop calling but she keeps calling. She has shouted, told me I am going to get in trouble and all sorts of threats. Terrible, terrible!
Consumer complaint received 2022-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

XXXX Mortgage Account # No. XXXX XXXX. The bank rejected the XX/XX/XXXX loan payment. 

Loan payments are on time if they are paid within the 15 day grace period. 

I paid the XX/XX/XXXX payment in XXXX installments, the first installment of {$1000.00} was paid on XX/XX/XXXX. 

The balance due of {$560.00} was paid on XX/XX/XXXX As the total due was paid within the grace period, it was on time. 

The bank acknowledged the receipt of the payments- see Account Details 0n XXXX On XX/XX/XXXX, the bank rejected the first installment and returned the payment. They claim they can not accept a payment amount of less than the payment amount due. There is nothing in the mortgage documents that requires this. Of course, this payment made on time has become delinquent This was a surprise as I had paid my XX/XX/XXXX in installments within the grace period and the bank accepted the payments and recorded the payment as on time - see XXXX -XXXX Attachments XXXX -XXXX  Letter refusing XX/XX/XXXX payment
Consumer complaint received 2021-04-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: 2288984 Ontario Inc. (ID)

This company called my mother XXXX XXXX at XXXX, on XX/XX/21 at approx XXXX and threatened that a process server would be serving me with legal paperwork over a debt. My mother was advised of a case number against me - and my mom was told I had a debt and was threatened by a XXXX XXXX that papers would be served to my place of employment that day. 

I called back on XX/XX/21 to the number given - XXXX. I was told that this was the number to call back. This was not XXXX XXXX nor the company he claimed to be calling for, it was XXXX XXXX XXXX for a debt that had been sold twice. 

I was told that they are a mediation company that tries to reason with the person before it goes to litigation. I agreed to the terms but I am now concerned that this is a scam.
Consumer complaint received 2023-03-30
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX Balance : {$1100.00}
Consumer complaint received 2021-04-07
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I've had no luck with XXXX Mortgage XXXX. They stated they can not report any current or past mortgage history to the credit reporting agency due to my Bankruptcy XXXX As of today they have no plans to ever report and nor provide any mortgage information to a third party lender that I'm attempting to refinance with. 

Per my BK Attorney and Trustee this is a valuation of the consumer reporting Act. And a BK XXXX should have never stop reporting. 

This delay has caused me several hundred dollars in savings to refinance my home. 

Carrington Mortgage Services XXXX XXXX XXXX XXXX IN XXXX Account Number : # XXXX Attn : Research Department
Consumer complaint received 2021-04-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have disputed with all 3 bureaus since XX/XX/XXXX on accounts that should not be reporting late payments! After the 1st round of disputes didn't result in any responses from the bureaus, I submitted a 2nd round on XX/XX/XXXX and again today, XX/XX/XXXX. After 4 months of disputing, the bureaus should've at least sent me an acknowledgment of my disputes, they never even did that!
Consumer complaint received 2021-04-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have disputed with all 3 bureaus since XX/XX/XXXX on accounts that should not be reporting late payments! After the 1st round of disputes didn't result in any responses from the bureaus, I submitted a 2nd round on XX/XX/XXXX and again today, XX/XX/XXXX. After 4 months of disputing, the bureaus should've at least sent me an acknowledgment of my disputes, they never even did that!
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

To whom it concerns : In accordance with the Fair Credit Reporting act XXXX  Account # XXXX dated XX/XX/XXXX Account # XXXX dated XX/XX/XXXX Amount {$31000.00} Account # XXXX dated XX/XX/XXXX Amount {$4000.00} Account # XXXX dated XX/XX/XXXX Amount {$220.00} Account # XXXX dated XX/XX/XXXX Amount {$150.00} Inquiry from : US SM BUS ADMIN ODA dated XX/XX/XXXX have violated my right. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy. Also 15 U.S.C 1681 section 604 A. section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I believe I was victim of Identity theft, somebody stole my personal information.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (ME)

I received a W2 from TD Bank for XX/XX/XXXX. I was not employed by TD Bank in XX/XX/XXXX and called HR and spoke to XXXX on XX/XX/XXXX to inquire what the W2 was for. She thought I had received someone elses W2 in error and said someone would get back to by the next day with steps to take to resolve. I received an email from XXXX XXXX on XX/XX/XXXX informing me that the W2 was for a payout from my HSA account that I received on XX/XX/XXXX. I explained to her that not only did I not receive an hsa   payout but I did not have an hsa account at that time. She informed me that payroll does not handle elections and I would have to call the TD Benefit Center. I called the benefit center and spoke to XXXX on XX/XX/XXXX. XXXX called the hsa provider, XXXX, and we both spoke with XXXX. XXXX confirmed that I did not have an hsa account at that time. XXXX recorded the entire conversation and I asked if they could trace where a check was sent or to what bank an electronic deposit was made. He said thats what would happen and that I would get a call back by Tuesday. On Tuesday, XX/XX/XXXX I received a 1099 DIV in the mail. I called the benefits center back and was told the same thing as before ... its for an XXXX payout I received. I have no idea if this is an error, if I have an identity theft concern, or if there was fraud. Both the W2 and 1099 are for the state of NJ. I reside in Maine and have never lived or worked in NJ.
Consumer complaint received 2022-08-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (CA)

I have a Mortgage Contract with United Wholesale Mortgage, I called them and told that I had lost my job of 7 years and that I would like if I could get a forbearance on my mortgage so I could find a job and not struggle making my payments. They told me that they couldnt help me because it wasnt COVID related. I dont want to miss a payment and get backed up and my credit go bad. Unemployment only pays so much and I wont be able to make my payments just solely on what Ill be receiving on unemployment.
Consumer complaint received 2022-07-19
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. (NJ)

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. XXXX ; -Account XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2015-11-29
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (TX)

THIS IS A NEW COMPLAINT WITH NEW INFORMATION! XX/XX/XXXX I fell behind on bills. XXXX Chase credit cards were among them. I was XXXX for them XX/XX/XXXX when they were out of the Texas statue of limitations. This does n't stop Chase from reporting them in collections on my XXXX credit report or attempting to collect.