davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have another complaint against this XXXX company XXXX XXXX with you XXXX after they lied to you a federal regulator claiming they had not reported my account as a charge off, when indeed they had, and would work with me and allow me to pay, which they did not!! Now they are not only reporting it as charged off, but did not apply the last payment they took from me and are showing my balance information incorrectly!!! The balance after payment is listed on this printout, which is EXACTLY why I made them give it to me. They were also telling me the day I was there " It is in your best interest not to make that payment '', in other words, they had charged the account off a day before the date they and their district XXXX told me I had to pay it, so they probably pocketed that money order!!!! I have attached this payment information and the final balance after they said they charged the account off and my payment that day was deducted!!! My credit report as you can see from the information I put in my complaint above shows the balance at {$3300.00} when it is {$3000.00}!!! They are breaking every FDCPA laws ever written, please enforce the laws!!!!
Consumer complaint received 2021-08-09
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)

On XX/XX/2021. I purchased a ticket for my fianc to travel from XXXX to XXXX XXXX. Trip was for XX/XX/XXXX. The ticket was purchased via XXXX ticket cost {$550.00} on my capital one 360 debit card. 

On XX/XX/2021. I got an email from XXXX that the ticket was canceled. Due to COVID-19 anyone that has been in XXXX within two weeks will not be allowed to travel to USA. 

I called XXXX to rebook the ticket to another destination but they said because I booked via XXXX they will not be able to help. They said XXXX needs to refund me. 

I called XXXX to try to reroute his ticket but they will not. They kept telling me that theyll get back to me. I had to purchase another ticket entirely for my fianc to travel. 

I called XXXX several they said theyll get back to me on refunds. They never called me or sent any emails as of Today. I called them again Friday the XXXXXXXX XXXX  after I got the email of denial from capitalone. They still said theyll get back to me maybe in XXXX. 

I called capital one 360 to explain why they decided in the favor of XXXX and I honestly dont understand a reason. 

Capital one 360 claims XXXX had provided a proof that they tried to resolve the matter with me but thats a BIG FAT LIE!!! Till today as we type. I have not heard from them ( XXXX  ) Not phone call not email. No refund of my money. No travel voucher. I feel scammed : ( Ive never felt so bad on that my bank will not have my back.
Consumer complaint received 2021-08-09
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. (TX)

XXXX of XXXXXXXX XXXX XXXX XXXX ( XXXX  ) mortgage went into COVID Forbearance XXXX of XXXX applied for a refinance with XXXX  since the rates were low. 

XXXX of XXXX denied my refinance application because the loan was in forbearance despite the fact that the loan was in forbearance when I started the refinance process. So I resumed paying my monthly mortgage payments and have been making monthly payments consistently since XXXX of 2021. 

XXXX of XXXX reported my loan as delinquent/overdue by 120+ days to XXXX  and Experian despite the fact that I have never, ever paid my mortgage late. 

XXXX of XXXX-I contacted XXXX to ask them to remove this inaccurate information from my Experian and XXXX  credit reports. 

XX/XX/XXXX, XXXX-the information is still listed as delinquent/overdue on both XXXX  and Experian credit reports.
Consumer complaint received 2022-03-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mcburberod Financial, Inc. d/b/a SeedFi (SC)

I tried to contact the company by phone to explain to them i never open this account and they hung up on me over the phone i never applied for this loan when i seen my credit report and a call from them about i owe them that's why I'm disputing this account no knowledge of this account at all anyone can go online and open accounts up in people name and don't have knowledge of it therefore i ask that this account be remove from my credit file and not be held liable for this account.
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (FL)

After the amount owed was removed from my credit, I have received debt collection letter from two other collection agencies... My Personal Health information is being sent from one collection agency to the next, I will report each and every collection agency that tries to contact me after reporting Medical Revenue Services. I did not authorize my information to be passed from one collection agency to the next.
Consumer complaint received 2021-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MD)

I deposited two checks they were US Department of treasury stimulus checks that were for my brother-in-law who is very XXXX XXXX and I help him with matters like this sometimes he had just recently come home from XXXX  and had no ID whatsoever so in order to cash the check I was going to deposit it and give him the funds as he was XXXX  and desperately in need of the funds. Chase Bank cashed the first {$600.00} stimulus check without any problem they put a 10-day hold on it and then released it for which I withdrew it and gave it to my brother-in-law. The next check was {$1400.00} they put a 10 day hold on it, just as they did the first one, and then they cashed it. Then they decide to put a fraud hold on my account and tell me that I had to bring him in with ID, I tried to explain to them that he does not have an ID he's XXXX XXXX and he just came home from XXXX and he has no more money. Chase Bank told me there's absolutely no other form of acceptable ID than state ID and passport he has neither. Therefore, they closed my account it's been more than 90 days, according to my last statement they sent a check in the amount that was left in the account but I've never received it and when I call them to ask them where the check is they keep telling me that I have to bring him in there with his ID. I believe they cashed that check by mistake they should have told me I needed his ID first they should have never cashed that check I would have taken it somewhere else.
Consumer complaint received 2022-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (FL)

In XX/XX/2021, I took out a personal loan with Seedfi.com who bases their company on helping people build credit. The initial loan was for XXXX. XXXX was received upfront and XXXX was put into a locked savings account that would not be open for me to withdraw from until I paid off the loan. The FAQ questions on the website gave a vague answer that it would take " several business days '' for the savings to unlock. The loan agreement did not address it at all. 

On XX/XX/XXXX, I paid off my loan in full of around XXXX. The loan payment processed and the account showed paid, but my savings account was still blocked. I called the company and they told me that with large payments it can take 7-10 for your savings account to unlock. I explained this information was not in the loan document or on the website and that if that was the way it was ran, the consumer needed to know that upfront. There is no time guidance on the loan document. They finally told me my loan would release today. Nope. Now they are saying they don't know when the " system '' decides that. I can not talk to anyone who can release my money.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I discovered in XX/XX/XXXX that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXX for my mortgage with XXXX XXXX XXXX XXXX 

At that time, I had a medical emergency that required that I be hospitalized for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment. 

Because I was hospitalized at multiple and extended periods between XX/XX/XXXX and XX/XX/XXXX, I was unable to communicate with XXXX XXXX XXXX XXXX  to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to XXXX XXXX XXXX XXXX as the mortgage servicer that I was experiencing a XXXX hardship and other complications caused by a XXXX diagnosis and subsequent extended hospitalization. 

I became aware that I was entitled to attest to financial hardship during the XXXX emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the XXXX Emergency. 

Up until the medical emergency, I had an on-time payment history with the XXXX XXXX XXXX XXXX since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being released from the hospital.
Consumer complaint received 2022-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi, I recently sent in multiple documents about a few negative accounts on my profile that was unfamiliar to me and needed to figure out where they came from. I send out letters mutliple times over the past few months as stated below : Accounts from student loans XXXX XXXX XXXX XXXX XXXX XXXX? XXXX?? ( no money was dispersed or classes taken. ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Letters were sent on XX/XX/2021, XX/XX/2021, XX/XX/2021
Consumer complaint received 2022-03-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Here is the complaint about XXXX XXXX  who disowned the account disputed. If this creditor claims that this account does not belong to them, they need to order the credit bureaus to DELETED THIS ACCOUNT FROM MY CREDIT REPORT or UPDATE IT TO PAID AS AGREED NEVER LATE ( PAANL ). Equifax, XXXX, and XXXX reported it for a long time with a piece of inaccurate information.
Consumer complaint received 2021-08-08
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. (TX)

I have sent challenge letters to TransUnion to investigate these false accounts properly and transparently on my credit reports. However, they have not conducted such reinvestigations in accordance with federal law under the FCRA. I sent cease-and-desist letters directly to several creditors which TransUnion is still furnishing my report inaccurately. These letters are attached below upon receipt of my cease-and-desist letters those companies were to cease all communication about these alleged accounts. However, TransUnion continues to violate federal communication laws under the FDCPA by continuing to report these accounts. Moreover, I have included my most recent challenge letter I sent to TransUnion last week. I ask the CFPB to ensure that TransUnion sends me all calls, transcripts, emails, and any other communications used to verify all these accounts via USPS certified mail. They must do this within the next 30 days if they fail to delete and update these accounts immediately.
Consumer complaint received 2022-03-07
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 — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (TX)

I have A credit collevtion company reporting inaccurate information for a progresive account on my credit report. I do not have insurance with this company and have not had insursnce with this company. I wrote the company asking for debt validation and not debt verification. The company failed to supply valid validation that I owe them this collectipn bill of XXXX yet they are reporting this frauduent account to credit reporting agencies. This needs to be looked into because again THIS IS NOT MY ACCOUNT!! I HAVE NO KNOWLEFGE OF THIS ACCOUNT AND ALL REPORTNG OF THIS FRAUD ACCOUNT SHOULD BE REMOVED!!
Consumer complaint received 2022-02-11
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-08-08
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: PENNYMAC LOAN SERVICES, LLC. (FL)

Inadvertently posted an incorrect mortgage payment. 

My husband made our regular payment to penny mac.

This mortgage pmt. was posted to penny mac XX/XX/2021 in the amount of {$1400.00} Unfortunately, the full payment due was {$1400.00} leaving the payment short {$19.00} I was made aware of this error on XX/XX/XXXX. 
This was a human error which I feel should be forgiven. 
I am devastated my 100 % payment history with all of my creditors is now 99 % costing me 70 points drop in credit score! I have reported my concerns to penny mac as well as XXXX XXXX the investigation result is verified as accurate. I am not satisfied with this result. 
The past due amount should reflect the amount that was past due which is {$19.00} not the full payment of XXXX " past due '' means past due. 
My credit report reads past due : XXXX, XXXX. 
My payment is XXXX XXXX and where do they get this amount from????? 
This is also incorrect. 
If they can't grant me one forgiveness I would like my report to adjusted correctly.

' PAST DUE XXXX ''. 
Thank you.
Consumer complaint received 2023-09-30
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. (PA)

XX/XX/XXXX, XXXX I wrote to the credit agencies requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2021-08-09
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: Resurgent Capital Services L.P. (OK)

I am contacting you because I found some information that is inaccurate on my credit report. The date of last active you are reporting for the below accounts dont match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : Account Name : LVNV Funding LLC Account Number : XXXX Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. This report is also has a late payment status of 120 days and its in collection, and high credit limit is missing on XXXX.
Consumer complaint received 2022-03-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX is refusing to delete /Remove my paid in full accounts XXXX XXXX accounts reported in different areas on my XXXX  credit report even after the company stated the accounts are being removed because the accounts are paid in full and being reported in different area on my XXXX  report as a potentially negative account which is wrong and it must be corrected. The company XXXX XXXX advised that the Three credit bureaus would be notified. However XXXX XXXX Transunion, XXXX XXXX and XXXX XXXX is refusing to remove the multiple paid XXXX accounts from my credit reports listed above. This is also with my XXXX accounts being reported in different areas on my credit profile being reported with the account mutiple times that's paid, XXXX XXXX XXXXXXXX, XXXX and XXXX XXXX XXXX XXXX These accounts are reported more than once in different areas on all three credit reports.
Consumer complaint received 2021-10-06
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. (IN)

I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2022-01-09
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. (FL)

My credit was poor when I purchased this car. I had a XXXX that my credit had dropped due to a voluntary repo because I was sold a broken car as in they temporarily fixed so they could sell. My current issue I purchased a uses car that they told me was XXXX which I didnt know was XXXX until end of deal because the dealer was refusing to tell me how much my vehicle was. Then after signing contract the loan company by the name of verseys auto finance was who I had to deal with and all of a sudden my loan was XXXX. My biggest issue is that for the last XXXX they have been putting the loan on my credit profile then removing it. My payments arent being tracked or recorded a on time payments. They have been aware of this and keep saying they will talk to the underwriting department and they never do. Then I called the credit bureau that they report my information to and let them know this and they said to me these companys are allowed to submit and delete whatever they like for what ever the reason maybe I explained to the agent that, what was being done is abuse of my report because every time they submit the loan it may show that Im paying it down but to the Bureau it looks like a new account, so every time they submit it takes points off my credit regardless of on time payments. Im not gaining anything from the loan its super aggravating because they are doing this so that I cant refinance and pay less. I called all main sources and I have proof of whats going on all I wanted was a car but all that got me is someone abusing my credit. Please help
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act 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