davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Social security number is XXXX on my trans union credit repoet theirs XXXX negitive items that are frad the XXXX account and others teo charge off accounts endi g XXXX a d XXXX the balane is around XXXX and other one is around XXXX, these XXXX adverse accounts are all fraud my complant is that transunion supposed to remove or block these negitive ad erse charge off account from my credit report tbeirs a federal trade commision identy report on file normally the items ate remove or block from the filed
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NC)

I have a deposit from the US Department of Treasury for {$280.00} which was suppose to credited to my account and still hasn't posted. The bank is Chase Bank. And the thing is they are trying to tell me old transactions took my money but the payment wasn't posted untilXX/XX/2021 and was suppose to be posted onXX/XX/2021. I am being told my money went to those transactions but when the transactions were made the money was taken right then. I feel that my money is being taken from me for the banks mess up. This is at Chase Bank.
Consumer complaint received 2020-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one bank has added new fraud. They have been stealing money from my bank account in the name of XXXX. Apparently they habitually charge and deduct money from accounts in any name at all and NEVER pay them XXXX and others can attest to records show that show that.
Consumer complaint received 2022-02-21
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. (OH)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

4 mortgage servicers since I refinanced in late 2021. This is extremely frustrating as each time the servicer changes I have to create a new account, contact the servicer to update payment information and/or deal with escrow issues. Most current issue is that the new servicer is not paying the insurance premium to my property insurance company. Apparently Mr. Cooper did not contact the insurance carrier to let them know where to send the renewal or Mr. Cooper did not forward the renewal to the new servicer. I called the new servicer, RightPath, and the first representative hung up on me after I was tortured by their automated system. Next rep transferred me to another rep. That rep transferred me again. After being on hold for about half an hour, it took more than an hour to deal with this and the issue is still not resolved. I'm not allowed to transfer my mortgage, why are they allowed to do this? Even if it's allowed there needs to be rules that require the servicers to make the sale or transfer seamless to the borrower. Totally insane.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (FL)

i did not consent to authorize nor benefits to any of the following account 15 usc 16802 ( p ) & 15 usc 1028 ( A ) 1. XXXX XXXX XXXX
Consumer complaint received 2021-09-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (AZ)

I called today ( XX/XX/XXXX ) to request a pay off amount for Thurs ( XX/XX/XXXX ). My balance is about {$6000.00}, and was told my payoff amount would be {$6600.00}. This seemed like a really high amount, but one main financial said it was due to interest on the loan for the whole month. I asked for clarification as to why it was so high, as almost {$600.00} seems like a lot for two days worth of interest. I was given the Run around trying to speak.to a member of management, only to be told it's due to a returned payment back in XXXX of XXXX. Not only was I not informed of the returned payment, thus unable to rectify the situation in a timely manner, but I was completely unaware that it would cause my payoff amount to increase by almost {$600.00}. Additionally I had reached out to OMF for other reasons since, which would have been a fine time to bring it up. So I'm left here confused and feeling totally ripped off and blind sided by this extra expense.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}
Consumer complaint received 2021-09-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Augusta Collection Agency, Inc. (GA)

Today, I received this response from the company : " STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response We dont up hold divorce decrees, no insurance information has been provided to my client. We have sent verification of debt as requested. Consumer called XXXX XXXX and was to call back and give the insurance info and as of today they have yet to get insurance information ''. 

Not only was my son 's insurance information provided to them but when I called XXXX XXXX, they were rude and told me that they could no longer charge TRICARE because they were no longer within the time that they had where they could charge TRICARE for the bill and were NOT interested in my son 's insurance information and did NOT ask me for my son 's insurance information so there is no way that I would have promised them that information because if they actually had asked for that information I would have willingly given it to them AGAIN because that is far better than having to write a complaint against them or having my credit report reflecting around a {$1500.00} debt that I do not owe to them. XXXX XXXX also insisted that their personnel are basically NOT required to take insurance information and that it was the responsibility of the patient to provide the information to the company. I asked if that was their policy and if they could send that to me in writing and they refused to send me anything in writing that stated it was not the responsibility of their personnel to not obtain a patient 's insurance information- of which I believed was absolutely ridiculous. The company insists that I did not give them my son 's insurance information but has yet to explain how they have mine and my son 's personal information. It's not like I would just give them my personal information and that of my son and not give them my son 's insurance information anymore than I would refuse to give them my son 's insurance information to ensure that a debt is removed from my credit report and responsibility which would have been far easier then filing a complaint with the CFPB with the disputed bill still appearing on my credit report.
Consumer complaint received 2021-09-21
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: Experian Information Solutions Inc. (FL)

As I checked my credit report, I noticed that there multiples accounts affiliated with companies I have never done business with. I took action by writing Experian about those accounts and asked them to validate and they are unable to validate them, they must delete them off my report because I don't know about these accounts. on XX/XX/2021 I sent them my first dispute letter, waited for over 1 month, I never got a response. on XX/XX/2021 I sent them a compliance letter because they failed to investigate the account, USPS tracking showed they received on XXXXuntil this point I never get a any response from them. it is getting very frustrating. I need some help removing those account from my report.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

The Credit Bureaus did not perform a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did NOT do this! Furthermore, violating my rights. 

In accordance with FCR Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my accounts where properly investigated but how is this so if the open date is inaccurate, the date last active is inaccurate, the reporting dates are inaccurate, the payment dates are inaccurate, the status is inaccurate. This is grounds for removal. 

XXXX, TransUnion and XXXX all violated the laws below ; 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 states a consumer reporting agency can not furnish a account without my written instructions. 
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2021-09-21
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)

Equifax is reporting a XXXX XXXX XXXX account that is closed the amount that is being reported is {$1600.00} and has several inaccuracies that is not FCRA compliant. I have send several letters disputing the inaccuracies and Equifax just responds back stating the account has been verified when is reporting several errors. How can Equifax verify if they are not reporting a account number and the account is reporting CO every month when a charge off is a dead account and can not report every month updating the date of last activity on a monthly basis. All credit bureaus should have the same information from the same creditor. The last letter I mailed to Equifax is XXXX XXXX XXXX and they responded the account has been verified.
Consumer complaint received 2022-01-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (OR)

My mortgage account was sold to BSI financial as of XX/XX/XXXX. I tried to make my XXXX payment with BSI ( first payment with them ) I made an online account and right off I see it says 61 days late. WHAT!!?? This is my first payment to them. I havent been with them 61 days. My last payment was to my old Mortgage lender. Due to this 61 day late thing I was unable to pay my payment. So first thing Monday XX/XX/XXXX I call they are closed. First thing today I call only to be put on hold for an hour then hung up on. I call back and had to leave my number. Finally at XXXX I get a call back from a very rude lady hacking up a lung on the phone who says she is unable to take my payment and there is nothing she can do on her end with the payment and the false information on the website. She stated she will email somebody and will get back to me. I demanded to be attached to said email and she stated NO very rudely. So again I demanded to be emailed something stating I called to make a payment and they refused to take it. She got upset but agreed. I have yet to get said email and worried from the reviews about the shady stuff this company has been doing this problem will get worse before better. All I want to do is make my payments and have corrected information posted to my account.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (OK)

Cashapp did not give a clear answer to my question on previous complaint here. My question was why did the transaction to XXXX on XX/XX/31 show the incorrect amount, {$410.00}? And, not only was that amount wrong, none of the 3 ledgers on cashapp reflect the correct amount for this transaction, The amount I spent at XXXX on XXXX {$220.00}, The amount on the csv ledger on the cash app website is {$410.00}. 
The amount on the XXXX statement is {$220.00}. 
The amount on the mobile app mobile app lists the amount of the transaction as {$220.00}. 
Why are the ledgers not consistent. 
Why do the amounts cash app lists for this purchase differ? None of them are correct. Ive tried to get cash app to answer me and they evade the question,
Consumer complaint received 2022-01-13
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report
Consumer complaint received 2020-11-26
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: Bridgecrest Acceptance Corporation (MA)

I sent Bridgecrest multiple dispute letters asking for validation of debt bearing my signature ( which they have to provide according to FDCPA and FCRA ) with the first letter starting on XX/XX/2020 which was signed for by them via certified mail receipt on XX/XX/2020 ( I have proof ) about an account on my credit report showing that I owe {$10000.00}. They responded claiming they didnt have enough information to look into it. That is false, I provided my name, address and social security number. Also the amount owed and the account number showing on my credit report. They failed to mark the account as in dispute on all 3 credit bureaus within 30 days of my dispute which they have to do by law. Till this day it hasnt been marked as in dispute. I sent them another letter on XX/XX/2020 ( with certified mail receipt of signature on XX/XX/2020 as well XXXX letting them know they did not comply with the law and they must now remove it from my credit report. I let them know they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. They responded on XX/XX/2020 but nothing was done nor was it marked as in dispute. If im able to, attached you will proof of both of my letters sent to them via certified mail and proof of being signed for via certified mail receipt. As well as Bridgecrests most recent response to my most recent letter sent to them.
Consumer complaint received 2022-02-21
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. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-26
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: SYNCHRONY FINANCIAL (NC)

I contacted Care Credit on XXXX/XXXX/2020, they reported to XXXX  credit bureau a balance of over {$11000.00}. On the account in question I am not a authorize user on this account and have not been for over 4 months. My wife XXXX XXXX is the primary account holder for Care Credit.
Consumer complaint received 2023-03-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

When I took out the loan I first had asked for {$1500.00} I was there with someone and asked if they could co sign so they would be responsible she said no we can only put you in the loan I had to pay to get the loan and it was not credited to my account when I was presented the document I asked if I could take them and read them and she loan officer preparing the agreement on a computer with the screen facing the loan officer. 
The loan officer had Me accept the agreement on the computer, but the loan officer did not turnover control of the computer to me so I could see the entirety of the agreement i was accepting. So she summarized it for me saying I will receive pages through my e mail she said she will send them to me and I have 3 days to read them and give back the money I never received the paper work to my email or anything I dont know what I agreed to. I then got calls every day 5 times a day to extend my loan to give me time to re pay i had to pay a fee each time and I was told it would go against my loan repayment and when I went to pay the amount due on du date she says non of the payment goes towards my loan its only to give me more time to pay which that was not told yo me in the beginning I was told to pay that amount and it would be tapping my loan I still dont have paper work or anything to explain my fees and when I will be able to pay my loan off by making these payments the payments are higher than my car note and my vehicle isnt even worth what I was able to borrow.I ended up maxing out and still no time to review anything titlemax intentional misconduct I have given them over {$500.00} and nothing is towards my loan I dont understand and cant pay when I went to look for dates and document they closed My title max account and nothing is linked to it and they wont let me back in my naccount saying I need to make a payment first
Consumer complaint received 2022-04-12
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. (FL)

In accordance with the fair credit act XXXX XXXX account # XXXX was paid off XXXX XXXX is violating my rights. 

15 U.SC 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions