davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STL HOLDING COMPANY, LLC (LA)

I applied for a loan on a new XXXX XXXX property through DSLD mortgage on XX/XX/XXXX. I immediately submitted all of the requested document to the lender. I knew rates had gone down in XXXX so I inquired about doing a refinance of another property through DSLD mortgage shortly after XXXX. I figured it made more sense to refinance using this company since they already had all of my financials. I was told that the new purchases were priority and I would be taken care of when they had time. 

Finally in XXXX I was notified I could apply for the refinance. We filled out the application on XX/XX/XXXX. It is XX/XX/XXXX and I have still not received the clear to close. We are in the second 30-day interest rate lock. The lender continues to make up requests from me, oftentimes documents Ive already provided them. My wife and I have a low debt/income ratio, 800+ credit scores, and make more than enough income to satisfy the debt. For this individual property were trying to refinance, we receive $ XXXX in rent and the mortgage is $ XXXX. The lender keeps making up request from us and I dont understand whats really going on. 

I work as a XXXX XXXXXXXX, so it should never take 3 months for a simple refi of someone with our credit profile. I ask that someone please investigate DSLD mortgage to figure out why theyre not trying to let me close on this loan when I am more than qualified. I hope there is no reason theyre particularly targeting me. As of today, they have asked me for more information.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Dispute of Debt Collection Contact and Cease Communication Request under 15 U.S.C. 1692c To Whom It May Concern, I am writing to formally dispute the collection actions taken in connection with the alleged debt associated with Account Number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Acct # XXXX Please remove item from my credit report immediately Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I am exercising my right to limit communication regarding this matter.

According to 15 U.S.C. 1692c, I have the right to request that debt collectors cease communication with me regarding this alleged debt. I hereby request that you immediately cease all communication with me, including but not limited to phone calls, written correspondence, and any other form of contact. Please note that failure to honor this request is a violation of federal law and will be documented for further action if necessary.

Additionally, I request that you provide verification of the alleged debt, including full details such as the original creditor 's information, the amount owed, and any supporting documentation verifying its accuracy. Until I receive appropriate verification, I will consider this debt to be unsubstantiated.

Thank you for your attention to this matter. I expect compliance with my request to cease communication, as well as a prompt response with the requested verification of the debt.

Sincerely,
Consumer complaint received 2022-06-22
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. (OH)

In accordance with the Fair Credit Reporting Act XXXXXXXX  Account # 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 : Also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-17
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. (TN)

I have not yet received a response to my dispute. The company closed the dispute and stated they would resolve this by contacting the creditor. I have not received any updates.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  is reporting completely different information to all three bureaus as it relates to account # XXXX with the balance of {$9300.00}, account # XXXX with the balance of {$3500.00} and account # XXXX with the balance of {$2900.00}. The last activity reported, date credit accounts were opened, dates reported and highest balances are ALL INCORRECT. 

Incorrect information CAN NOT be reported to someone's credit report and moreover, DIFFERENT and FALSE information can not be reported to the three bureaus. Information must all be the same and be CORRECT, which this is not. This could be a case of identity theft! All of this information for these THREE CLOSED accounts is completely incorrect and I'm demanding it be removed and settled separately. I will not see credit or loans from XXXX in the future ; I want this removed because it is FALSE.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

1. I attempted to pay a legitimate invoice XXXX XXXX XXXX, XXXX. 
Capital One falsely flagged the transaction as fraud. It was not. 
Capital One texted me and asked if I made the transaction. I replied that the transaction was legitimate. Capital One instructed me to try again. 

2. I re-attempted to pay the software invoice as instructed. For a second time Capital One falsely flagged the transaction as fraud. Again it was not. Capital One asked a series of questions to remove the fraud hold. I answered the security question via email & web. 

" About your XXXX XXXX XXXX credit card ending in XXXX We recently detected suspicious activity on your account and restricted it from making any transactions to protect you. 

Please call us as soon as you can at the number on the back of your card or at XXXX ( XXXX ), so we can clear things up for you right away. 

Re : Case Number REDACTED I was instructed to re-attempt the transaction. 

3. I reattempted the transaction as instructed after the fraud hold was supposedly lifted for the 2nd time. The transaction was again erroneously flagged as fraud. It was not. I was instructed to call Capital One to remove the fraud hold. I called Capital One, I verified my identity and also created and uploaded a digital copy of my California Driver License. Again I was told the fraud hold had been lifted. While still on the phone, I was instructed to re-attempt the transaction. 

4. While on the phone I re-attempt to pay the invoice. For a FORTH time. the card was restricted due to a false-positive fraud prevention. The card was locked and Capital One demanded i produce and upload a digital copy of my social security card and a few other documents. 

Capital has a very poor record of protecting consumers credit information as reported by XXXX XXXX, Attorney, Division of Consumer and Business Education The Capital One data breach : Time to check your credit report XXXX XXXX XXXX Also, XXXX issued a case study of the breach concluding, " 2. Final considerations The study of the Capital One incident showed that the company failed to implement proper security controls. It also demonstrated that the NIST Framework would have been sufficient to mitigate the incident, if there were enough compliance controls in place to identify the unauthorized access and data exfiltration during the entire chain of events. 

Capital One is not to be trusted with my Social Security card. 

A Case Study of the Capital One Data Breach XXXX XXXX XXXX On XX/XX/2021 XXXX Fraud department rep. XXXX aka XXXX refused issue XXXX Rewards Miles credit and my access was restricted. 
In order close Capital One is forcing the user to forfeit the reward miles balance and refusing to redeem them. 

The call was recorded and confirmed by XXXX. 

XXXX XXXX XXXX XXXX Credit Card and Line of Credit Capital One Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2022-06-22
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. (SC)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2019-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.
Consumer complaint received 2022-06-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (KY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NM)

I have been trying to recast/reamortize an existing loan for about two months. XXXX/PHH mortgage has utterly failed to process the request. I have now requested a payoff quote and they do not respond. Here is the communication log that has failed to produce action on their part : XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXX XXXX  XXXX XXXX minutes XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXX XXXX EMAIL SENT Recast Letter XX/XX/XXXX XXXX XXXX  EMAIL RECEIVED Please allow 2 business days XX/XX/XXXX XXXX XXXX  XXXX XXXX minutes XX/XX/XXXX XXXX XXXX EMAIL SENT Follow up XX/XX/XXXX XXXX XXXX XXXXMAIL RECEIVED Auto response XX/XX/XXXX XXXX XXXX EMAIL RECEIVED Recast submitted, please allow 10 calendar days XX/XX/XXXX XXXX XXXX  EMAIL SENT Follow up XX/XX/XXXX XXXX XXXX EMAIL RECEIVED Auto response XX/XX/XXXX XXXXXXXX XXXX  EMAIL RECEIVED Still processing XX/XX/XXXX XXXX XXXX  XXXX XXXX minutes XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXX XXXX EMAIL SENT Follow up XX/XX/XXXX XXXX XXXX EMAIL RECEIVED Auto response XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXX XXXX XXXX XXXX minutes XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX minutes
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (PA)

XXXX Collections is listed on my credit report. The report doesn't even list the correct dates ( which makes the balance look never and lower my scores ), but that is irrelevant since the entire balance is invalid since I am a Medicaid recipient and Medicaid recipients are not allowed to be billed for non-covered services unless the provider tells the patient before the service is rendered and the agree in writing to this service, which I did not do. I even asked for the service to be pre-authorized, which it was.
Consumer complaint received 2022-06-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Community Cash Management Corp. (ME)

I receive multiple phone calls every day from Marcam Associates attempting to collect on medical debt. This has occurred for months and, as already stated, happens daily. They call from multiple phone numbers, more than once a day, so its impossible to know who it is if I want to answer the call, and also impossible to block the number. I consider this to be harassment.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-06-22
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. (KY)

I applied for a loan and derogatory information my ex-husband 's credit card is on my credit report and lowered my credit score to a point that I could not get a loan today. I made a complaint about this information being on my credit report in XXXX and the information was removed. I received a confirmation letter from XXXX XXXX. This information is now back on my credit report with TransUnion. We closed the account in XXXX and were divorced in XXXX of XXXX.
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CT)

Applied online at XXXX to receive current rate information for 30 year refinance rates. I received several calls but the broker from Quicken Loans was trying to railroad me into approving a hard credit inquiry. When I told him that I was just beginning the process and would be waiting until XXXX he proceeded to imply that they were going to perform a hard inquiry anyway and that I should just approve while we are on the phone. I responded in no uncertain terms that I will not approve a credit inquiry because they have sufficient information to give me ballpark rates and I would only approve a hard credit inquiry when I decide to refinance with Quicken Loans. 

It is too early to know if they performed a hard credit inquiry, but this is unacceptable behavior and I believe many customers may have been hurt by such aggressive sales tactics. Credit inquiries can damage customers ' credit scores and should be expressly agreed to. 

Quicken Loans NMLS # XXXX Quicken Loans Agent : XXXX XXXX ( XXXX ) XXXX NMLS : XXXX
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (OH)

I conducted a consumer credit transaction with Self Financial , Inc. which claims to help improve and/or boost a consumers credit score. This type of transaction required a finance charge which was the sum of all payments including the ones I initially made and the payments in the future. Once I discovered this I reached out through email to inform the of the firsthand knowledge I had discovered but there was no understanding. After they had gave me false and misleading representation of the facts at hand I was deceived to believe I should lousy close the account so I did so. Then some time later i got a XXXX  account to check my credit scores and this transaction was reported as closed. The problem is that I covered the finance charge on the extension of my credit and through the finance charge which covered the whole loan their is supposed to be a 12 month positive on time payment history never late but its not reporting as so. I tried to dispute thus with them through XXXX but I got no results at this point I would like to sue for the fines of all the violations committed
Consumer complaint received 2022-06-22
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (PA)

I was unable to make payments on the vehicle due to personal financial problems, fortunately i was able to get an advance from work to help catch me up, but it wouldn't clear til Friday, XX/XX/XXXX. The bank, Honda Financial reached out to my cosigner as of Wednesday, XX/XX/XXXX. My co-signer assumed responsibility and ensured them the amount would be paid in full and up to date on the XXXX. The bank agreed, and failed to inform us that the car would be up for repossession if payment was not due sooner. They simply agreed to the payment arraignment, declining to mention this key information. Now i struggle to recover the car, let alone speak to someone who could further enlighten me on the situation. My biggest issue here is why would they 1 ) not tell us of this dire information and 2 ) why agree on a payment arraignment and still repossess my car. They also informed me that I only get one time to remove my belongings, which i was only able to grab my work supplies, due to being timed. All contracts, paperwork, and any documents I could review, are within the car.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XXXX charged my checking account on XX/XX/XXXX via mobile app 5 times, without proper authorization. Bank refused to investigate properly to return funds. According to the XXXX, the means that XXXX used for " authorization '' were not met, and I did NOT authorize payments. No documents were provided showing I authorized payment ( s ) following the guidelines set in the XXXX.
Consumer complaint received 2022-06-13
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. (MI)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX$1700.00} accordance with the Fair Credit Reporting act 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