davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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. (OK)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXXXXXX Account number XXXX XXXX XXXX XXXX Balance on XX/XX/XXXX {$7900.00} Original loan amount {$12000.00} Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-12
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: BARCLAYS BANK DELAWARE (DE)

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My complaint should not have been closed and I am asking that it be reopened since Capital One Banks response is not acceptable. There was no fraud on my Credit Card account, I closed my account due to not wanting to deal with Capital Ones customer service in XXXX or the XXXX. It is not my responsibility to provide my drivers license to this bank to get my money from them. This is clearly a case of fraud being perpetuated by Capital one Bank. 



I had a Capital One Bank Credit Card which I closed out in XXXX of 2021. There is a credit balance on the card Of {$54.00} I was told would be mailed to me in the form of a check. It has now been almost six months and Capital One has refused to send me the balance claiming there is a restriction on my closed credit card account.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SPSERVICING LOAN XXXX THIS HAS TO DO WITH COMPLAINT XXXX WHICH SPSERVICING HAS REFUSED TO RESPOND TO MY ISSUES, NAMELY... 

1. I HAVE BOTH FLOOD AND WIND INSURANCE ON MY HOME. 
2. I HAVE RECEIVED XXXX SETTLEMENTS, XXXX FROM FLOOD ( XXXX XXXX ) AND XXXX FROM WIND ( XXXX & XXXX ) ; 3. I HAVE SUBMITTED ALL THE REQUIRED DOCUMENTS AND CHECKS TO SPSERVICING FOR THE FLOOD PORTION. THEY STILL HAVE OVER {$9.00}, XXXX OF MY, REPEAT, MY SETTLEMENT MONEY FROM THE FLOOD INSURANCE. 
4. I HAVE RECEIVED A SETTLEMENT CHECK FOR OVER {$18.00}, XXXX  FROM WIND ( XXXX XXXX XXXX ). I HAVE FORWARDED ALL THE REQUESTED DOCUMENTS TO SPSERVICING BOTH AT THEIR FAX NUMBER AND ON THEIR XXXX WEBSITE; XXXX. THEY CONTINUE TO REJECT THE ADJUSTER 'S ESTIMATES FOR THE WIND PORTION WHICH I HAVE SUBMITTED ( SEE ATTACHED PAGE.PDF ) XXXX. I HAVE CALLED NUMEROUS TIMES AND THEY ARE NOT, REPEAT, NOT RESPONDING TO MY CALLS OR ALL THE FAXES AND UPLOADS REQUESTING AN EXPLANATION OF WHY THEY ARE REJECTING THE ADJUSTER 'S ESTIMATE ( WIND PORTION ) AGAIN THIS HAS NOTHING TO DO WITH THE FIRST FLOOD CLAIM WITH XXXX XXXX XXXX. 

THIS COMPLAINT HAS TO DO WITH THE WIND CLAIM WITH XXXX & XXXX / XXXX. SPS SERVICING IS REJECTING THE ADJUSTER 'S ESTIMATE AND IS REFUSING TO TELL ME WHY SO THAT I CAN RECTIFY THE PROBLEM THEY HAVE AND GET MY ROOF REROOFED!
Consumer complaint received 2021-10-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TD BANK US HOLDING COMPANY (GA)

Violated the Truth in Lending Act when the transaction included a finance charge and finance charges that included additional insurance ; willfully and knowingly failed to provide/disclose information required under provision of Title 15 USC section 1601 ; Violated 15 USC 1681 ( a ) ( 4 ) - by unauthorizing reporting consumer information to several consumer credit reporting agencies ; Never authorized any reporting of consumer information to any consumer credit reporting agency 15 USC 1681 ( a ) ( 2 ) The contract included a statement written in a conspicuous place : " UCC 3-415 '', the terms of the contract were clear according to UCC section 3-415 ( b ). The seller acceptance and deposit of this contract/security meant the alleged debt was full satisfied, yet they continue to collect on the alleged debt, that included repossession of the vehicle.

Sent several written communication that stated that they were attempting to collect a debt in violation of 15 USC 1692 Refused to release the MCO Title upon Consumer Demand
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (PA)

At the very beginning of XX/XX/XXXX I applied for mortgage assistance with the Pennsylvania Housing Finance Agency. This was to provide up to 6 months of future payments and to get the loan current. My household income is well below the income limit and in XXXX of XXXX I was informed that the application was approved and funds would be disbursed to my lender. I was also told to keep my payments behind in order to use the program. Funds were never disbursed. At the end of XX/XX/XXXX, I was contacted by PHFA and asked to provide a signed authorization for PHFA to verify my current loan status and amounts with my lender. I provided the signed authorization within two hours of the request. I was told that funds would be disbursed in approximately 30 days. To my knowledge, the request to verify has never even been sent to my lender and no funds have been released. All this assistance request that I applied for has done for me is hurt my credit and cause extreme anxiety. It seems like a scam and I believe I was certainly given bad advise about not keeping my loan current in order to use the program.
Consumer complaint received 2021-06-08
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 — Problem with personal statement of dispute
Company: T.S. Holdings (OK)

I worked for XXXX XXXX XXXX and also lived on property. I moved into the apartment in XX/XX/XXXX. I moved out of the apartment in XX/XX/XXXX. 
The carpet was damaged when I moved into the apartment and the manager wanted to replace it. I told her not to replace the carpet and we agreed that if she didnt replaced it, I wouldnt be charged upon move out. Unfortunately, she no longer worked there by the time I moved out and I was charged anyway. In XXXX of XXXX, XXXX XXXX XXXX turned over the account to XXXX XXXX, a collection agency. I told XXXX about the situation multiple times and the account has not been removed from my credit. I do have documentation showing the agreement made, on my move in/out inventory condition form. Even without this documentation though, the life span of carpet is typically 5 years. My carpet was older than 3 years when I moved in. I resided there for over 2 years. I shouldnt have been charged for a full carpet replacement at all. Although, I feel XXXX owes me money back for my deposit, that is not my main concern. I would like the account to be removed from my credit report and to be free and clear of these charges.
Consumer complaint received 2021-06-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MD)

We were scheduled to close today XXXX XX/XX/21 XXXX. The title company 's notary showed up with an outdated closing disclosure XXXX CD ) that was dated XX/XX/21 ( the most recent advance copy we had received was dated XX/XX/21 and all parties agreed to it XXXX. We told the notary we would not sign the incorrect paperwork. Then the notary said he possibly received an updated CD on the drive over. He checked his email and said he did receive updated paperwork, but would need about an hour to go and print new closing documents. He came back with a CD that was still different than the CD agreed upon between us and Freedom Mortgage. Specifically, this new CD had us owing MORE money at closing without anybody from Freedom Mortgage ever contacting us about that. In fact, I have an email from Freedom Mortgage at XXXX XXXX  today verifying the cash at closing would be {$1700.00} XXXX yet it somehow increased XXXX. Even if we wanted to pay the extra money the bank was closed, and we already had a cashier 's check for the amount Freedom Mortgage verified earlier today. We were forced to either walk away or feel pressured to agree to the new loan terms at the time of signing. We refused to sign the closing documents at tonight 's second offering.
Consumer complaint received 2020-06-06
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. (CA)

XXXX XXXX XXXX XXXX XX/XX/2019 30 DAY LATE, I ASKED THEM TO VALIDATE THE 30 DAY LATE, THEY FAILED TO SHOW PROFF, THERE IN CLEAR VIOLATION OF 609
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

Paypal charged me almost XXXX XXXX dollars in fraudulent charges between XX/XX/2022 and XX/XX/2022. Filed disputes against them all, called numerous times, talked to numerous people over the course of 5 days. All guaranteeing me this will be resolved and they have my back. Day 5 and I receive an email stating they denied my disputes because it's consistent with my history. It's not, I use PayPal for 2 bills under XXXX $ and the occasional purchase. Not XXXX $ in 18 separate transactions. They have done nothing to help me. I filed an appeal ( or, I was told they filed one, who knows ) but they won't let me close my PayPal account down or anything. They won't even cancel the PayPal card that's being used.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed multiple times collection accounts with XXXX Transunion and XXXX that I am longer liable for, these accounts have been bought therefore I am no longer liable. They refuse to remove them from my account.
Consumer complaint received 2022-10-13
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. (VA)

I am writing to delete the following 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-10-20
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX A XXXX .... Balance : {$130.00} ; XXXX  XXXX .... Balance : {$85000.00}
Consumer complaint received 2022-08-22
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. (FL)

In 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-06-08
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. (GA)

XXXX, XXXX, and Experian have violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA. 

XXXX, XXXX, and Experian are reporting a XXXX XXXX XXXX, XXXX account on my consumer report, account number XXXX. XXXX XXXX has violated the FDCPA section 809 15 U.S.C. 1692g validation of debts. I sent XXXX XXXX a Validation letter XX/XX/2021. They have yet provided me with any validation of the debt as required under FDCPA section 809. This debt is deficient of Physical verifiable Validation. I never gave XXXX, XXXX, and Experian any written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave XXXX, XXXX, and Experian any written instructions to report this account. XXXX, XXXX, and Experian have not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. XXXX, XXXX, and Experian keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for XXXX, XXXX, and Experian reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. XXXX, XXXX, and Experian have not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.
Consumer complaint received 2022-10-20
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. (NY)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX ( Opened : XXXX. XXXX, XXXX, XXXX XXXX : {$25000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate XXXX  unverified things on my credit report XXXX  this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all XXXX  them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX XXXX  THE XXXX XXXX breach XXXX  may have gotten into the wrong hands.
Consumer complaint received 2021-06-08
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

XX/XX/XXXX and XX/XX/XXXX PennyMac Loan services alleged that I was late on my mortgage payment for the amount of {$3000.00} a month. I have asked PennyMac Loan services to please validate the debt, so I can put this discrepancy to rest. Pursuant Violations 15 USC 1692g, 15 USC 1692f ( 1 ) ( 8 ), 15 USC 1692a, 15 USC 1692d ( 2 ) and 15 USC 1692e ( 2 ) ( a ).
Consumer complaint received 2023-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA ()

Employee of 501 ( c ) 3 organization for 12 years with student loans trying to apply for PSLF. Completed online help tool on XX/XX/XXXX. Employer not in database. Information sent to XXXX and told to wait 30-60 days. No response ever. Completed online help tool again on XX/XX/XXXX. Employer not in database. Information sent to MOHELA and told to wait 30-60 days. No response ever. MOHELA telephone system does not connect to human being and automated system under my Social Security Number indicates no file exists and call ends. Thus, impossible to get a final determination of employer eligibility in order to permit completion of application for the PSLF program.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

in accordance with the fair credit reporting act the below company has violated my rights. 

Company : XXXX XXXX ACCT # : XXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

After inspecting my consumers report and coming across the company on my report I contacted the company. I even try to come to an agreement for a pay-to-delete, and they told me " They can not delete from my credit ''. By law they can not add to my report, but found a way to do so. I have received numerous phone calls and written letters from this company. I tried to work with them, but they continue to refuse to remove this account from report.
Consumer complaint received 2021-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (VA)

On XX/XX/2021, I received a notice from Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX stating that I should send them {$310.00} that I owe to XXXX XXXX XXXX for services they performed for me on XX/XX/2021. 

Knowing that I have been always covered by insurance, I checked my records and I saw that XXXX XXXX XXXX billed my insurance and got paid by them on XX/XX/2021. My portion for this bill was XXXX, which I paid with a credit card and I have the receipt for this as well. 

I believe Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX is trying to scam me.
Consumer complaint received 2021-06-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed a couple complaints that the loan company is reporting interest and increasing my balance owed in a simple interest loan showing my balanced owed is higher that the actual balance. This loan is not a compounded interest loan although it is being reported as such and is causing my score to drop. I usually pay my loan early and make 2 payments every month. I pay the amount due to the principal amount and pay extra for the interest on the loan. If I make a payment 10 days after the last payment made i then calculate the daily interest and add that to the payment amount. This company will report my payment then usually a few days later with report a new balance including the interest that would be owed using the date of last payment received to the date the send in the information this then will show an increase in my principal balance causing my credit score to drop. Instead of only reporting the principal balance the add the simple interest to it then report it as if it was a compounded interest loan. I have notified the company and the rep. Did not want to fix anything instead they started reporting more often to the credit report agency showing my balance as increasing making my debt to income ratio in the negative. I have explained this and still have not received any positive outcome instead it's more negative than before. I have a credit card with compounded interest and they report the balance owed not the balance and the interest even though they could. This is the only loan that does this to my credit report and I have bought several cars in the past and never ever uncountered this problem nor have I been retaliated against like this for filling a complaint.
Consumer complaint received 2021-06-08
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. (PA)

Hello My name is XXXX XXXX. I've been urgently seeking to get my credit report to look identical across the bureaus. The only accurate snapshot of my total accounts and balances are on XXXX, which I will provide. I reached out to XXXX  and Transunion as a result nothing was done.
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

was going over my credit file and saw multiple hard inquiries on my account. None of these inquiries were authorized by me. There are numerous inquiries that Ive never heard of please have these unauthorized inquiries removed. XXXX XXXX XXXX XXXX XXXX  Mortgage 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX