davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX  days since I filed my complaint.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MN)

Hello. I am having an issue with Comenity bank. I have my XXXX XXXX through them and have been trying to pay the bill since Friday XX/XX/17. Their website will not allow me to login and their phone system is not working. The automated system is not working and when you request to talk with a person, it says that due to unforeseen circumstances, they are unable to take your call. My bill is due XXXX and I am concerned that this issue will not be resolved by then and I will not only receive a late fee, but that it will effect my credit score. Like I said, I have tried logging in, calling, sending them a XXXX message, and replying to them on XXXX and I have yet to get a response at all.
Consumer complaint received 2022-06-27
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. (TN)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible Names : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance {$56.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, 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 XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-27
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: CITIBANK, N.A. (NY)

Hi, I have filed a credit card dispute with Citi bank on XX/XX/XXXX. They told me they are doing investigation.. and the investigation should be complete within 2-60 days. It has been over 60 days and when i call they now tell me its still open and under investigation. This time they are not giving me a time frame. 

In addition to that they closed both of my credit card account 80 days into the investigation.
Consumer complaint received 2022-06-27
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (TX)

I would like to file a formal complaint against PHH Mortgage Services for inflated payoff cost, XXXX discrimination, and retaliation after my initial complaint. Locations that I previously sent written disputes ( see enclosed communication dated XX/XX/XXXX ) in an attempt to resolve my complaint, include : PHH Mortgage Services XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PHH Mortgage ( Disputes ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( Ocwen Financial Corp ) Attn : XXXX XXXX, Chair of the Board XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX Complaint recap On XX/XX/XXXX, I requested a payoff statement from PHH. PHH provided a payoff statement on XX/XX/XXXX for {$68000.00} good thru XX/XX/XXXX. PHH also provided the title company with this amount. On XX/XX/XXXX my family closed on the estate property, and XXXX XXXX company wired the payoff amount to PHH. On XX/XX/XXXX, PHH contracted with attorney XXXX to accelerate foreclosure on our family home and sent a XX/XX/XXXX revised second payoff statement with the same XX/XX/XXXX good thru date to include additional appraisal fees, but did not communicate this fact until after the sale. 

The second payoff amount was {$69000.00} a difference of {$790.00}. On XX/XX/XXXX attempts were made to resolve this dispute, but PHH would not accept payments until another, third, payoff statement was generated. The third payoff statement dated XX/XX/XXXX in the amount of {$71000.00} now included fees of an additional {$2500.00} and noted FORECLOSURE status on the statement, unlike previous payoff statements. I wired the difference between the amount sent by XXXX XXXX XXXX ( {$71000.00} - {$68000.00} ) and the newly inflated third PHH payoff fees on XX/XX/XXXX with the intent of filing a claim to seek reimbursement and report PHHs deceptive unethical practices. 

I believe that my family and I have experienced XXXX discrimination due to the history of fees assessed to families of XXXX as well as being the victims of inflated predatory fees while attempting to close our loan with PHH. For these reasons, I am asking for an investigation of PHHs inflated fees and reimbursement of {$2500.00} by PHH for fees paid after our home was sold and paid PHH the original payoff amount.
Consumer complaint received 2024-11-27
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 XXXX TRANSUNION 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 2024-11-27
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Account Number XXXX Amount Claimed : {$190.00} Dear Radius Global Solutions LLC, I am writing in response to your letter regarding a debt you claim I owe. I am requesting validation of the alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide me with the following documentation : 1. The original contract or agreement that bears my signature and verifies that I am obligated to repay the debt in question. 
2. A complete payment history, including any charges, payments, fees, and interest applied to the account. 
3. The name and address of the original creditor for this debt. 
4. Proof that you are legally authorized to collect this debt, including a copy of any assignment or authorization from the original creditor. 
5. A copy of the IRS Form 1099-C, if applicable, which may indicate that the debt has been canceled or written off by the original creditor. 
Until I receive the requested information, please consider this debt to be in dispute. Additionally, I request that any further collection activity be ceased while this validation request is pending, as per my rights under federal law. 
Thank you for your attention to this matter. I expect your timely response, as failure to provide sufficient proof within 30 days will result in the termination of collection efforts and removal of any negative reporting associated with this debt. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiry : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

Experian is completely impossible to get a hold of via telephone. It's borderline fraudulent how negligent they are and refuse to support their customers. 

My identity has been stolen and the individual already made an experian account under my name so I can't even make a fraud alert because they will just cancel it. Experian provides no support in this matter and I have gone as far as emailing current employees at experian and still no response. 

They need to be held accountable and made available because their lack of support is unacceptable.
Consumer complaint received 2022-06-20
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: Resurgent Capital Services L.P. (GA)

In accordance with the Fair Credit Reporting act LVNV Funding LLC Acct # 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 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IA)

I opened a XXXX XXXX XXXX card with American Express. I had understood there to be no annual fee. This was fine for 1-2 years, but then ( according to Am Express ) my " grace period '' expired. 

On/about XX/XX/2022 I was assessed a {$95.00} fee. I don't regularly use credit cards, and believe I did not receive a statement in the mail saying I had been assessed a fee. 

On XX/XX/2022 I learned of the fee when checking the junk mail of my email. I tried disputing it online and was unable to get the " person '' on the chat to talk about the fee. I called them at the number on the website ( XXXX ). 

I spoke with customer service for about XXXX XXXX. I explained my understanding to have been that this card did not have an annual fee. I asked for them to waive the fee and change me to a free card. They refused to do this. They explained that Am Express " wasn't allowed '' to do it because it was >30 days old. I asked for the name of the company regulator, and they refused to tell me what regulator I could use to determine if I was required to pay it. I'm hoping CFPB is the right one.
Consumer complaint received 2024-11-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NJ)

I am filing the complaint because this is the second time this has happened since XXXX. On XX/XX/year> XXXX received 3 Postal Money orders @ {$1000.00} ( {$3000.00} total ) all of which had my account # and " Apply to Principle only '' in the memo field. Instead of applying it to principle, they applied it as a payment even though I was already paid through XXXX. After telling me it would be taken care of within 5-7 days, it wasn't until XX/XX/XXXX that the correction was made. Lesson learned and I now make copies of all checks and money orders I send them. Now, fast forward to XX/XX/year> and this time it was check for {$1500.00} that was marked in the memo field " For Principle Only '', and again, I'm paid through XXXX and they applied it again as a regular payment. 
I called again and was told it would be corrected in 2 days this time. 

As far as I'm concerned this is a practice they use to increase their profitability by continuing to charge interest on money that should have been paid down. If it happened to me twice in such a short period of time, who knows how many people they are doing this to and if the people are checking their accounts and even know what's happening to them. Since XXXX I am borrowing money and aggressively paying this mortgage off just to get away from this bank.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I have a HELOC and there is a sub account, the payment is to be one payment, they split it into 2 payments, I paid & there is payments shown but they have reported me for being late in XX/XX/XXXX & now XX/XX/XXXX. I was told by XXXX XXXX that since I complained they would place more late payments on my credit. They did. XXXX XXXX from Wells fargo told me that Wells fargo is hemorrhaging accounts & they need to stop ppl from refinancing elsewhere & their making sure accounts are looked over & they report late payments aggressively. This is the 2nd time I've had to report them for the same issue. This is not 2 accounts it's one HELOC & they are now saying it's 2 accounts 2 payments & it never has been. Below are the payments from the account & as you can see I paid it & they reversed it. They are on purpose filling late payments again ppl to ruin ppl 's credit to stop us from refinancing. I have show the payment I just made has been reverse & now they show there's not a payment made. I make the payment amount that is shown on their website & XXXX XXXX told me I have to now open the statement & pay some amount I do not see on any statements, XXXX says the website is no longer has the right amount to pay & I have to open every statement & pay that amount but the amounts are the same, they took my husbands credit from XXXX to XXXX this is shameful & how are they allowed to do this? Wells fargo is on purpose playing games with payments so they can ruin your credit so you can not refinance to get out from under them. 


Amount sort in descending order Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL REVERSAL {$18.00} Transaction Details for XXXX XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$18.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$23.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Proof of payment. 


Date sorted in descending order Description sort in descending order Amount sort in descending order Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$18.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$8.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$23.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$9.00} Transaction Details for Row XXXX XX/XX/XXXX PRINCIPAL PAYMENT + {$1.00} Transaction Details for Row XXXX XX/XX/XXXX INTEREST PAYMENT + {$18.00}
Consumer complaint received 2022-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I received a collection letter from Wakefield & Associates, XXXX, TN on XX/XX/XXXX stating that the University of Tennessee Medical Center had sent them this case. 
The amount of the debt was {$900.00}. There was no other information given. 
I called XXXX billing office on XX/XX/XXXX and spoke to XXXX. I asked for the date of service for this amount and was given the date of XX/XX/XXXX. 
XXXX stated that he would research and call me with the results of the search. XXXX called me on XX/XX/XXXX. He informed me that there was nothing that XXXX could do because this debt had already been turned over to Wakefield Agency. Meanwhile I found documentation that the invoice had been paid. I obtained a copy of the check ( front and back ) where I had paid for two ( 2 ) invoices on the same check and I had a copy of my Visa bill where I had paid another {$1100.00} on XX/XX/XXXX. These balances were from my husbands XXXX. I explained to XXXX that I didnt believe I owed this because my husbands insurance out-of-pocket was only {$3900.00} and I had paid XXXX  {$3300.00} for XXXX only plus numerous other payments that had been made, his ( XXXX XXXX ) out-of-pocket was met as of XX/XX/XXXX. 
XXXX then told me that he had found the reason that the amount had been sent to collection was because on XX/XX/XXXX your insurance took it back. I asked for an explanation of this because I didnt understand. He had no explanation. 
I then asked him to send me a detailed bill for the amount in question. He stated he would and informed me to call Wakefield & Associates and ask to speak with their insurance department because this department would be able to talk to the insurance company ( XXXX XXXX ) directly. 
I then called Wakefield & Associates directly, but was informed that their company would not communicate with the insurance company but the insurance company would have to call Wakefield. 
This seems like a circle of errors with me caught in the middle. I am a XXXX XXXX XXXX widow and have excellent credit. I cant afford to have this on my credit report. 
I did call XXXX XXXX and was told that I was not on XXXX  insurance for XXXX  to give me information. I know this is not correct because for the last 4 months that XXXX was alive I communicated with all of his medical providers and his insurance. 
I dont know what else to do, please help.
Consumer complaint received 2022-06-27
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. (VA)

I sent TransUnion a dispute letter regarding inaccurate and incomplete information that is reporting on my credit report. I demanded them to remove the inaccurate and incomplete information, not update the account. They did not follow proper procedures to assure maximum possible accuracy of this account. I demanded them to show me a contractual agreement stating that I gave them permission to report such information on my behalf, 1681 ( b ). They did not. I am still waiting for a response.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (ID)

Comenity Bank had left customers with no way to pay their bills for days. Website is down, and so are the phones. Ive tried calling, trying to login to pay etc, going into the store where we got the card from. 
XX/XX/2022 2022