davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
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. (IL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-06-30
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. (GA)

I have contacted the credit bureau and also mailed them a copy of the letter i received from this company stating that they are no longer reporting it the credit bureau 's and it should be removed from my credit report. I sent the letters to all three credit bureaus in XX/XX/2021 and XXXX is the only bureau that deleted the incorrect information. It is still reporting on Equifax and XXXX. 

XXXX should not be reporting on my credit reports.
Consumer complaint received 2020-05-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

Home paid off in XXXX of 2020 with a company called Home Point Financial. 
Refinanced with another company due to Home Point Financial raising mortgage payment ( increase off XXXX/month. They had said the taxes were higher than anticipated and if the taxes were paid by me, the payment would not increase. I paid the taxes but they still kept the mortgage XXXX/month higher than what it was, so I refinanced with another company ). 
Home Point Financial will not return owed escrow payment. ( {$2600.00} ) Inquired in XXXX of when payment would be returned. 
Home Point Financial states that they sent a check in XXXX. *never received* ( never had any issue getting their statements here, or any other mail ). 
Asked Home Point Financial to put a stop on old check and send a new check. They agreed and said new check will arrive in 2-3 business days. 
5 business days pass, no check, call Home Point Financial again. They state check was not sent but will now be sent to me by the XXXX of XXXX. 
XX/XX/XXXX, continue without check.
Consumer complaint received 2022-07-13
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: Eastern Account Systems of Connecticut, Inc. (IN)

I'm on my third dispute resolution for the same problem with the XXXX company. Both XXXX and XXXX resolved my dispute in my favor on the first request. It seems that XXXX is unwilling to contact XXXX XXXX regarding the information and dates I have provided them, and rather checks only with the collection agency, Eastern Account System. To no ones surprise, XXXX continues to say I owe a $ 52 monthly charge that was billed after I closed my XXXX account. 

The dates in question are as follows : On XX/XX/2021 I called XXXX XXXX and closed my account. I also turned off my autopay feature online on that same date. I was told and got a subsequent email to the same effect that my account closure would be immediate, as in that same day. My autopay billing cycle each month ended on the XXXX, and since XXXX bills a month in advance per their statements and website, I was paid up through XX/XX/2021. I was told on this same phone call to pay the {$10.00} termination fee which I did online. 

While traveling the following month I received a bill for {$52.00} for another month of service from XXXX XXXX, and by the time I returned I found out it had been turned over to Eastern Account System for collection. I filed disputes with all three credit agencies and XXXX and XXXX deleted the inaccurate charge from my credit report upon my first request, but XXXX for whatever reason seems to have no interest in doing so as well. 

I would greatly appreciate your assistance in getting XXXX to carefully review my complaint and invalid charge with XXXX XXXX and ask them to remove this entry from my credit report. Thank you
Consumer complaint received 2022-07-13
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  DEPT OF ED/XXXX, Account # XXXX 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 this account without my written instructions. I have not given XXXX/XXXX XXXX, XXXX TRANSUNION permission to publish this information on my credit report. I am in good standing with XXXX  therefore publishing my student loan information in my report is unnecessary and illegal. This has caused a negative impact on my score which has affected me with personal business I am conducting on daily basis. The removal of this information would be greatly appreciated. I am not denying my loan and will continue to be on good standing.
Consumer complaint received 2020-05-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I have a auto lease with XXXX XXXX XXXX XXXX XXXX. Due to Covid 19 Pandemic I was adversally affected financially and contacted XXXX XXXX who agreed to a 3 month deferral of monthly payments and would NOT report that my account was delinquent or charge late fee. This is confirmed in writing. Notwithstanding agreement, XXXX reported to all credit bureau agencies that my account was delinquent in violation of the agreement and the CARES Act.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have had the same loan with XXXX XXXX  for 20 years. I have always submitted the payment via bank bill pay, on time and with additional principal payment. The payment was submitted to the same address for 20 years. XX/XX/year> the bank received payment of {$1500.00} for XXXX mortgage payment. This included the regular monthly payment of {$1100.00} plus additional principal of {$390.00}. The bank instead of correctly applying these amounts, instead applied the full payment to the Escrow account. I did not receive any notice or call from the bank and by chance discovered the mortgage was past due. I immediately contacted the bank to find out what was going on. They discovered the error and correctly applied the payments. I was not given any explanation as to why this occurred. 

On XX/XX/year> the bank received {$1500.00} payment and applied this payment to escrow account. Again, I was not notified of the late payment due status due to the misapplication of the funds. I contacted the bank in XXXX to again let them know of the incorrect application of funds to the escrow account. This was corrected but I was still not informed as to how/why this was occurring.

Subsequently, I was traveling for a month or so. I received notification from credit monitoring agency that there was a change in my credit score. I immediately checked my report to discover that XXXX had reported my loan as 2 months past due and my credit score went from mid XXXX 's to mid XXXX 's. I immediately pulled up the account and discovered the both {$1500.00} payments received by the bank on XX/XX/XXXX and XX/XX/XXXX were misapplied to the escrow accounts. I did not receive ANY notice written or phone call from XXXX before the negative information was reported to the credit bureaus, a violation of the Fair credit Reporting act. I requested an explanation as to why I wasn't notified, why this error by the bank was repeatedly occurring and why they have not fixed the problem. I have been in the process of looking to purchase a new home and this has severely impacted my ability to purchase a new home due to the negative credit score information reported by XXXX. 

I have requested a letter of explanation but have not received any written correspondence and they have not corrected the false negative information on my credit report.
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XXXX XXXX I have sent a money wire to my older brother XXXX XXXX who resides with his family in XXXX XXXX The money sent was money owed to him from inheritance. 

The total amount was {$50000.00} I have sent the money using my Capital one checking account to his checking account in XXXX XXXX bank. On XX/XX/2022 my brother texted me stating his bank received a message that funds were put on hold and that they needed additional information. 

I called Capital one on XX/XX/2022 and they sent me a fax to prove that funds were submitted and it was good on their end and that no one has contacted them for more information. 

Then my brother did more investigation and it turns out that the intermediary bank which is XXXX XXXX is holding the money. 

I did a conference call with my brother with Capital one on XXXX XXXX and a case was open on why funds were not deposited and it asked for money to be either deposited or return. 

On XX/XX/2022 I called capital one bank and they said they open a new request for XXXX XXXX to release or refund the money, I called Capital one again on XX/XX/2022. They lady said XXXX 's XXXX is not responding and not releasing the money. I do not trust XXXX XXXX. I also did not ask Capital one to use them. 

They are keeping my money for no reason and I am not sure what they are doing with it, but I do not trust them and their history speak for them. 

I would like for the fund to either be deposited to my brother 's account or returned to me. 

Since Capital one is the issuing bank they bear that responsibility. I did not ask them to send the money via another bank, specially XXXX XXXX which I do not trust nor I have an account with Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (PA)

in accordance with the Fair Credit Reporting act 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 with my written instructions.
Consumer complaint received 2020-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

For over the last two years, I have been in a dispute with ATT and their collection agencies. They have charged me for past due balances that were never due. In fact, I continued to keep service with them. I have attempted to resolve this issue with them but they insist on sending various amounts to various different collection agencies. I believe separate accounts we set up during my transitions between residences. Due to XXXX rules, XXXX had to create different accounts rather than roll them over.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Army and Air Force Exchange Service (FL)

I had an AAFES Military Star card from XX/XX/XXXX. I was late on time on a payment in XXXX XXXX. At this time, I paid in full and closed the account. I recently put in a disupute to have this removed from my credit report. Instead of removing it they updated the information to reflect as it this happened in XXXX, XXXX and XXXX. This has caused my score to decrease and I want this fixed immediately. This account was late once in XXXX. It was paid in full and closed in XX/XX/XXXX and I would like that reflect on my credit report.
Consumer complaint received 2022-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

I recently received a notice on my credit report from " Radius Global solutions '' with the creditor being " XXXX ''. I can not get in touch with radius global solutions, and havent seen any paper bill from them. I had XXXX XXXX for about 4 weeks before I cancelled it because it was incredibly slow. Come to find out, the con-artist like sales person who sold me the plan told me i would get 100 mbps and be able to have 10 devices on the network actually sold me a plan that wasnt available in my area. The plan I actually got, was only 25 mbps, with only 6 devices allowed. XXXX credited back all of the unused days because i paid for the month in full, and she told me my balance was XXXX, and it was closed at that point as i no longer wanted their services. I never carried a balance on the account after that. This was taken care of 2 years ago, removed off my credit report in 2021, and now its coming back up because XXXX wont confirm with Radius Global Solutions that i do not owe it. They simply notate my account that i do not owe it, and then tell me that i have to take it up with Radius global solutions.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXXI XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$45000.00} XX/XX/XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX  XXXX XXXX {$440.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.on. for 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.

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 any reasons.
Consumer complaint received 2020-05-16
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. (FL)

Trump signed over a new rulings to defer our loans for 6 months but there's not supposed to be a retaliation to the American citizens over this. I'm one of the citizens that declined the deferment because I didn't trust the system. And I have good reason, last week the credit bureau has added XXXX XXXXof capitalized interest on my student loan dropping my credit score 118 points. XXXX stated they did not send this information to credit bureau. Somewhere there's an assumption that I took the deferment. Now the credit bureau has added this capitalized interest to my student loan which is not accurate. It takes you one day to do destroy my credit and it will take me a year to correct it.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$45000.00} XX/XX/XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX  XXXX XXXX {$440.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.on. for 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.

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 any reasons.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/20XXXX XXXX XXXX XXXX XXXX please remove fraudulent unauthorized inquiry from my report or provide proof within 30 days.
Consumer complaint received 2022-06-30
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

In XXXX i lost my phone at XXXX XXXX at which time i notified the authorities. Next day upon checking my checking account i noticed money was transferred to some one in XXXX  to the tune of XXXX. I immediately asked my bank Navy Federal to stop the transactions to only be told that it was a transaction done from sum bank app service offered by Navy Federal but seperate from Navy Federal Bank and that the transaction had to go thru first then a fraud dispute could be placed to recieve my money back. It is now 8 months later an i have been repeatedly denied my XXXX that the police report states that Navy Federal made me go pick up to only deny me of my own money again. Now they say because transactions were done from the historical device i would have to sue to recieve my own XXXX back even thou Navy Federal allowed this theft to go on and did nothing to stop it. I am demanding that Navy Federal give me back my money that they allowed to be taken without my consent.