davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today, XX/XX/2024 - I logged into my TransUnion account through their website and paid {$0.00} to see my credit score. TransUnion stated that my debit card could not be used and to either use another card or reenter my card info. I reentered my debit card info and received the same message from TransUnion. I checked my bank account and there are two ( 2 ) identical charges from TransUnion for {$0.00} each. I checked my account on TransUnion and I still do not have access to my credit score. TransUnion 's website asks me to pay again but I refused to pay a 3rd time and instead contacted their support through their chat and chatted with a XXXX XXXX who said that consumers who paid the {$0.00} can not will not have access to their credit score for several days until the {$0.00} is no longer pending. That is NOT mentioned anywhere on TransUnion 's website and when I pointed that out to XXXX XXXX, his response was that it is 'implied ' that TransUnion will not provide services that have been paid for. XXXX also stated that there wasn't anything that TransUnion will do on their end and I have to contact my bank. TransUnion will not reverse their charges nor will they provide me my credit score that I paid twice for. That is fraud and unethical.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-07-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I contacted your agency for assistance about Bank of America and the fourclosure process in which I felt XXXX  fraudulently fourclosed on my home at the time and received a response from them through your " process of complaint '' proceedure. I am again asking your agency to investigate the " larceny '' of subterfuge behind closed door egregious and chicanery I was subject to while trying to get my mortgage modified. I was never able to get in touch with the person ( s ) to actually have the mortgage modification process proceed. In addition, I enlisted the help of the XXXXXXXX XXXX XXXX  to help and again they were stonewalled and received no help what-so-ever from XXXX. I am enclosing documents that directly contradicts what XXXX say 's they did and what actually transpired in their own admittance. Since I never started the process how could I have sent anything remotely resembling evidence to the contrary? Lastly, bank of america sent me multiple documents in hopes of quailing this inquiry but failed to send me any copies of said request of my wanting to modify with my original signature. In addition I believe they broke and or ignored the " LAW '' because I never received the original deed of ownership from them as well. I felt they or their representatives did not actually own the property when they fraudulently fourclosed on me.
Consumer complaint received 2020-08-30
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: Experian Information Solutions Inc. (NY)

After reviewing my XXXX, Experian, XXXX credit profile I seen an inaccurate account reporting a late payment back in XX/XX/2019 for an XXXX account. I was never late on this account.
Consumer complaint received 2020-08-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (PA)

I took out a loan on my car and car needed to be traded for a new car. So i took a new loan for the title. I only owed XXXX and they gave me XXXX. Now my balance is XXXX. The are ripping me off. Can you please help me resolve this issue.
Consumer complaint received 2022-07-18
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2022-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I used my Capitol One credit card to book a vacation for myself my daughter and my grandchildren, there was an issue while at the hotel. The hotel has promised me a refund. Credit card company has received evidence that a refund was promised. Credit from merchant or credit card has not been posted to my account. Credit card company is not honoring the refund that was promised to me or helping to resolve my issue.
Consumer complaint received 2020-08-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (DC)

I began the process to cash out refinance using XXXX XXXX and decided upon Amerisave. The process began on XX/XX/XXXX with an immediate hard credit pull. I agreed to proceed with Amerisave ( instead of 1 other company ) because they promised a rate of 2.625.  I completed the disclosures and paid {$520.00} for an appraisal. The appraisal was completed and report received XX/XX/XXXX. I unexpectedly received a new disclosure statement with a change in rate to 2.25 but still floating. Prior to the appraisal, I asked why the rate was still floating. I was informed by loan officer XXXX XXXX XXXX ID # XXXX XXXX that the rate would lock in after the appraisal. I have provided all information as requested to the loan officer in a timely matter but as of XX/XX/XXXX, there has been no movement on the application and no loan processor assigned. I last provided requested employer information as they indicated it was a time sensitive request on XX/XX/XXXX which was provided several times both in my application as paycheck stubs and direct HR contact information. My last callback received was on XXXX. Since then I have inquired several times and the company has now stopped all communication. There has also been no change in status on the online platform. My last email from XXXX was received on XXXX XXXX. This was the first email received in weeks and was a response to my emails informing them of my change in availability. I was merely instructed to forward my email to XXXX XXXX, his manager. I have called and left voicemails for both the loan officer and his supervisor, XXXX XXXX. I have also emailed several times explaining that my XXXX XXXX status affects my availability for this application to extend beyond 90 days as I will be needed to close in-person once finalized and I may not be locally available to do so. As an XXXX XXXX XXXX who has responded to the pandemic, this company and their lack of responses are causing undue stress. I feel as if I have wasted my time and money including a hit to my credit report interacting with this company ; time and money I could have spent with another, more responsive company. I now feel as if I am in limbo and am left with no recourse other than a hit to my credit report ( and another hit should this application be canceled and I am then forced to start over with another company ) and wasted time. For the record, this is the second company to waste my time during COVID on a fake refinance. I was solicited by XXXX XXXX ( my current lender ) while on XXXX and due to their inability to  communicate or stick to set closing dates, I was forced to withdraw my application. This will be a total of 5 months of time wasted with these lenders. Something must be done. Please help.
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My SSN card was stolen when my home was burglarized. Fraud holds were put on my capital one credit cards. I submitted police report, filed for a new SSN card and called capital one to explain. A few days later I got an email that I had a late payment. I called capital one and they had me verify my identity by sending in my Id and SSN card. I explained my card was stolen and they told me I had to wait until my new one comes. I explained that I need to pay my credit card bill and my autopay did not go through, they told me that because of fraud hold autopay is blocked and they cant talk to me until I provide SSN proof of card. I called numerous times, with no help until months later by chance I was contacted by XXXX Detective at XXXX decision, he had made an arrest and recovered my SSN card. I called capital one right away with supporting documentation and they agreed to remove the late payments ( please see all documented communication in attachments. ) Its been a year, Ive had over 12 hours of time spent on the phone with capital one, over 8 different communications, all of which the rep said late payment was not my fault but I have no letter as promised still, and nothing has changed. I dont know what else to do. On the last call they asked me if I used a credit repair company, this is just ridiculous its like theyre coming up with everything in the book not to help me but my credit cards are all in good standing and being used through their bank. 
Thursday XX/XX/XXXX XXXX XXXX XXXX  called XXXX made note on the account that no way I was able to pay, auto pay was blocked no one would talk to me until I sent in SSN card & Going to wave the late fee remove late payment history Rep Name : XXXX ( Compny ID : XXXX ) Confirmation Code : XXXX Friday XX/XX/XXXX XXXX XXXX  called XXXX into convo sending me to manager utility bill they cant do anything but I dont live there see picture Manager is XXXX XXXX in fraud and dispute department Bank statement make them change XXXX Case # XXXX Thursday XX/XX/XXXX Case # XXXX XXXX Fraud & Disputes XXXX said no late payment history XXXX Capital One Fraud Department Monday XX/XX/XXXX CASE # XXXX Attach case # to documents XXXX Monday XX/XX/XXXX XXXX - XXXX Screenshot XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XX/XX/XXXX ( Phone call with CapOne ) Rep : XXXX Company ID : XXXX Department : Fraud and dispute Reps Remarks : Late payment should be removed from your report due to the fact that it was outside your control
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, 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. (NY)

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.

US DEPT OF EDUCATION XXXX XXXX XXXX XXXX  TX 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.

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 2020-08-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Quality Asset Recovery LLC (NJ)

I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. Quality Asset Recovery LLC is reporting this false information. 

This company continues to contact without any proof or validity of the debt.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I contain a copy of my credit report and notice inaccurate information. Accounts reporting a wrong balance, balances that is not in subsequence order and is invalid and in violation of the fcra. Bankruptcies that are invalid. I contacted the company on numerous occasions about them reporting inaccurate information, they failed to send me method of verification, the failed to remove the information thats reporting inaccurate from my credit report. As a consumer it is my right to demand method of verification after the credit bureaus steady putting things on my credit report thats invalid, I will contact the XXXX XXXX XXXX as well as filing a lawsuit if the credit bureaus do not delete this negative inaccurate information I demand it to be deleted immediately this is my 4th challenge
Consumer complaint received 2022-07-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (TN)

I have no knowledge of this creditor also... 
In accordance with the Fair Credit Reporting act Spring Oaks Capital LLC 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 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I have tried to correct this false information that is being reported as mine by this company twice on XX/XX/2023 twice on XX/XX/2023 one on XX/XX/2023. This company has failed multiple times to remove the incorrect addresses listed on my credit file. This company has failed me as a private consumer and continues to report false and damaging information on my credit file. I have sent letters to this company I have called this company and I have submitted several complaints about this company through this website and minimal action has been taken to protect me a a private consumer or to correct to false information on my credit report. If this company fails to address this issue again I believe I will have no other choice but to take legal action against them to protect myself.
Consumer complaint received 2020-08-29
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (NY)

6. Pursuant to Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Act, HOEPA, BEFORE YOU CAN COMMENCE ANY LEGAL ACTION, YOU MUST SEND ME A 30-day NOTICE THAT YOU ARE COLLECTING A DEBT.

7. You and your associates bear the burden to organize the information submitted to you on my letter dated XX/XX/2020 received by your Account Services department via Registered Mail No : XXXX XXXX XXXX XXXX US.

8. MY NOTICE preceded your alleged lawsuit and you therefore are not entitled to commence a legal action against me.

9. More specifically, you never qualified any answers to the question ( s ) /statement ( s ) : Was this loan originated in lawful compliance with all federal and state laws, regulations including, but not limited to Title 62 of the Revised Statutes, RESPA , TILA, Fair Debt Collections Act, HOEPA and other laws? 
10. Since you did not answer this question with specificity, how did you commence a legal action against me?

11. Based upon your responses, to my QWR, you have not made it possible for me to ; Identify your methodology of accounting.

Access the manner or method of transfers/sales and whether or not they were lawful Determine whether or not you are the lawful and or legal holder in due course of said instruments, which is required to be in compliance with Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Act, HOEPA and other laws That each servicer and or sub-servicers of my mortgage are in compliance with Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Act, HOEPA and other laws That the mortgage accoun
t has been properly credited, debited, adjusted, amortize and charged correctly and in strict compliance with Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Act, HOEPA and other laws 12. You never responded to my qualified written request for proof of claim.

13. Your copy of the note was not what I had asked for as required by law and I am hereby notifying you that you have exhausted your administrative remedy and do not have the right to file suit against me.

14. By your inability and unwillingness to stipulate that you are : A. A Note Holder in Due Course B. Creditor of the Instrument as you can and has not provided GAAP book entry debt evidence of the transaction and the accounting.

C. Provide me with a wet ink signature original note as required by law.

SEE ADDITIONAL RESPONSE.
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I contacted Portfolio Recovery Associates on XX/XX/2022 by US Postal certified mail. I requested proof of a written contract with contractual obligation between myself ( with my signature ) & Portfolio Recovery Associates, and to date have not received it. Portfolio Recovery Associates is reporting to 3 major credit bureaus that I own them {$670.00}, and that is inaccurate. The certified letter is attached & US Postal Service receipt attached also.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I have been working since I was XXXX XXXX XXXX. I recently bought a used car with XXXX XXXX XXXX XXXX The only employment history that came up on my credit report was XXXX  XXXX XXXX, about XXXX  years ago. I worked as a XXXX  for XXXX  years at XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX, XXXX, moved to Maine in XXXX and managed XXXX around XXXX, XXXX. for XXXX yrs. Then XXXX, XXXX, XXXX XXXX XXXX XXXX I worked for myself from approximately XXXX. Last year, due to the pandemic my business ended, I was just at the point to license myself etc. I have now been with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ), out of XXXX XXXX since XX/XX/XXXX, as a XXXX  for XXXX XXXX XXXX. I would like to know why all my years of hard work are not showing on my reports.
Consumer complaint received 2020-08-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Granite Edvance Corporation (AZ)

My life has been a total disaster especially since XX/XX/XXXX and the arrival of covid-19. I have not been employed as a XXXX XXXX XXXX   or any other employment since XXXX '. Taking care of myself and significant other ... we barely keep a roof over our heads and maybe food on the table? I/we need forgiveness of this student loan. the stress and anxiety are overwhelming to say the least. Please Help. Sincerely, XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. (CA)

XXXX XXXX XXXX Account Number XXXX I logged in to check on my credit report to find an account in collection for the amount of {$110.00}.

This should not be reflected on my credit report and is inaccurate information.

Any previous medical bills were paid off by my health insurance at the time and I was specifically informed by the " Original Creditor '' that I have nothing owed beyond what insurance has paid.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

Experian is showing that the following accounts are charged off every month since XXXX. Some of the account show charged off and closed and late all at the same time. Experian will not allow me to file a new complaint with them and they have the incorrect information. I have requested the information they have be verified by me by having it sent and nothing was sent. They should not be in business : XXXXXXXX XXXX XXXX ; charged off ONE TIME in XX/XX/XXXX. I spoke to XXXX XXXX XXXX on XX/XX/XXXX and they verified it was charged off in XXXX and not been reported late or charged off since. Experian is saying its charged off XXXX. 

XXXX XXXX XXXX ( XXXX ) ; charged off XXXX. The cares were given back to the company in XXXX XXXX bankruptcy and should be reporting charge off in XXXX but Experian has it showing charged off in XXXX XXXX ; charged off in XXXX Experian is showing charged off in XXXX this was included in XXXX XXXXXXXX bankruptcy. 

I want Experian to supply ME AND I DEMAND IT the information that matched what they are reporting, what a XXXX XXXX XXXX credit agency. I could lose my job over this incorrect reporting. This is holding up a loan originator license and Im XXXX XXXX  because of the inaccurate data on Experian.