davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-28
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. (IL)

OnXX/XX/XXXX, I sent a letter to Experian ( see Attached ) requesting for them to correct the errors on my credit report, AND to provide me with a validation document bearing my signature. There are several serious errors reported by XXXX XXXX and XXXX XXXX XXXX/XXXX ( All account numbers listed on my report ). Experian send me a response stating they will not re-investigate these items. On XX/XX/XXXX, I sent a 2nd letter to Experian to requesting for them to correct my report and to provide me with the a copy of the original document I signed, as well as their verification method. I also requested for them to give me the name, address, and telephone number of the verifying party. Experian again, replied with the same letter stating that they would not re-investigate. As per the FCRA I am entitled to be provided with documentation from the credit reporting agency, bearing my signature, to validate the debt. Furthermore, this request is supported by XXXX v. XXXX XXXX XXXX, XXXX XXXX ( XXXX. XX/XX/XXXX ). <P/>I believe that Experian should not be able to use " Bully '' tactics and hold consumers at bay from receiving lower cost financing. As you can see by the attached, I am having the same exact problem with XXXX XXXX and XXXX.
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (AZ)

This is a follow up to a complaint about my servicer Seterus refusing to send me my monthly mortgage statements. After I submitted  the 1st c omplaint, instead of responding, they sent me a notice telling me my payment was not received and was not 31 days late ( see attached ) and a modification package.   My payment was paid including the late fee, that was incurred because they refuse to send me my monthly mortgage payment.       This is an example of the company 's incompetence.   SEND ME MY MONTHLY MORTGAGE PAYMENT STATEMENTS - ON TIME!!!!
Consumer complaint received 2017-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Subject : Closing Credit Card Account- With No Prior Warning Company : Capital One Account # : XXXX Sir/Madame : I am responding to a recent letter received by Capital One received on XXXX in the 'Closing ' of above account due to 'inactivity ' ( over 3 years ). As per the stated letter my account has been closed & within 90 days I have to redeem my reward points. Period. Today, Tuesday, XXXX, I called & spoke to Capital One 's Supervisor, XXXX, XXXX. Escalation Dept & requested measures to re-activate above account with activity. As per XXXX, Capital One has made a Final Decision to 'close account ' & does not allow any  option to re-open with continued activity. I stated to XXXX, I Did NOT receive an earlier letter from Capital One stating the inactivity of my account & more importantly did NOT Give the opportunity to reactivate the account. Instead, I simply received ONE Letter stating both position of my account & the position of Capital One in simply closing my account. Period. This prompt action from Capital One : 1- Will Unfairly Reduce my Business Credit Limits/Access for my business which I rely on & more importantly effect my business for future opportunities. 2- Disrupt my credit score by closing my account. ( i.e. As of XXXX XXXX my credit score is over 800 ) This is an 'Unfair Action ' that Capitol One has taken that has taken & should not be allowed without prior notification to rectify OR simply allowing me the option to 'resolve this issue ' within a reasonable time frame. This is wrong & is not an action to take on a responsible/credit worthy client. Thank you advance for your assistance & I will await both your actions & more importantly the response back form Capital One. Very upset, XXXX XXXX XXXX
Consumer complaint received 2024-10-26
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. (GA)

The Credit bureaus stated my account was properly investigation but how is that possible if the account doesn't belong to me, the balance, status of account, and date last reported is not accurate. This ground for removal they also violated my rights under 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 2017-06-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (MI)

In XX/XX/XXXX My sister and father and where killed in a car accident. I wrote letters to the school and nelnet with no response asking to remove the late payments due to the situation. To no avail nothing happened. In XX/XX/XXXX I lost my grandmother due to XXXX, I had a XXXX at the funeral. XX/XX/XXXX I became homeless. I have consolidated all of my loans and everything is up to date. I have several classmates that late payments were removed due to loss of work. What about loss of life!! I ca n't find work in my profession due to these late payments my score has dropped so low due to these pate payments I am begging Nelnet to give me a second chance and please remove them for me. I have suffered so much over the years. I just want a job so I can pay my student loans off and everybody is running a credit check. I served 10 years in the XXXX XXXX XXXX. I put my life on the line for my country, and I ca n't even get help from my country when I am suffering.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received my credit statement from Bank of America ( Allegiant card ) in XXXX and my card had a + {$400.00} credit balance and it was applied or my balance of which a $ XXXX payment was due. I assumed my credit balance would cover my payment so I did not send one. My error I guess. I get the XXXX billing statement I have a late fee. The payment was due by XX/XX/XXXX I believe. I made a payment on XX/XX/XXXX of {$250.00} ( far more than the required amount ) On XX/XX/XXXX I get an email from BOA they had lowered my available credit from {$12000.00} to {$2100.00}. I called them and told them to cancel the card ( who would lower credit amount that quickly? ) I also went on an paid another {$250.00} on XX/XX/XXXX in case I had messed the first one up. On XX/XX/XXXX I went in and paid my balance due of {$1900.00} apx. I went in around XX/XX/XXXX or so and saw I had a balance of + {$500.00} credit on my close account. I asked them to credit that to my bank. The reason for my email to you today is that today I received a bill from bank of American saying I owe them {$27.00} interest and that is for a billing date of XX/XX/XXXX. On XX/XX/XXXX I had a credit for of + {$500.00} and I had already closed the account so there is no way I owe them {$27.00} as my account was 100 % paid before the end of the billing cycle. Please help.
Consumer complaint received 2024-10-26
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

I Have always maintained perfect repayment history with all my creditors. I recently applied for a line of credit and was denied due to a negative account on my credit report. I got my report and found an unfamiliar account stating that I owned {$360.00} to XXXX a home security company. I called the company directly to dispute this charge, stating that I had not signed or authorized any contract agreeing to any home security system ; ever. I realized I was the victim of Identity theft and asked them to remove the charges and refrain from reporting this to the 3 credit Bureaus. The company XXXX refused to remove the charges even after a dispute from XXXX Credit Bureau. Because this company has no signature or valid authorization, I am seeking help from the CFPB to assist with this discrepancy.
Consumer complaint received 2024-09-20
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : U.S. Bankruptcy Court - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am filling in regards notification on my credit report. The accounts reported are inaccurate and is leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2017-06-10
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. (DE)

My credit card bank provides me my credit score which information is provided to it by Transunion. When I check my credit score the website says the credit score is impacted by two problems : serious delinquency and too few accounts as paid. Neither statement is correct. I have complained about this misinformation to Transunion on at least two occasions, but while they respond by sending me my credit report - which shows no serious delinquencies, or late payments - and that the information complained about has been updated, and they send me info on the credit card payments - about which I have never complained - the information reported to my credit card bank remains inaccurate. my transunion file no is File number XXXX.
Consumer complaint received 2017-06-28
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)

On XX/XX/XXXX and several times before I sent in a certified mail # XXXX XXXX XXXX XXXX XXXX to Experian , Letter to XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX request for correction to my credit report as it related to incorrect reporting on a XXXX XXXX Account, which was transferred to XXXX XXXX XX/XX/XXXX. <P/>XXXX XXXX finally corrected my credit file to reflect the Date of First Delinquency for that account to reflect XX/XX/XXXX. Per The Fair Credit Reporting Act Section 623 ( 5 ) ( a ) '' A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss or subjected to any similar action, shall not later than 90 days. '' My contention is per the attached information from Experian : Delinquencies remain on the credit report for seven years, so the account will show the late payment and the charge off history for the seven years from the original delinquency date ( Date of First Delinquency ). The original  delinquency date is the date of the first missed payment that led up to the charge off status. <P/>The original date that led to the charge off status was XX/XX/XXXX. Being that XXXX XXXX took well over the legal statutory reporting to report the charge off, I should not be penalized. Once XXXX XXXX was transferred the file, they should have reported the charge off by XX/XX/XXXX ( within the 7 year time frame ). <P/>The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. <P/>The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7.5 years from the date of first delinquency ( DOFD ). <P/>I believe Experian/Experian are guilty of re-aging my file, which is against the law. This item should have been purged. If XXXX XXXX had to internally charge off my account and they decide to do it in XX/XX/XXXX i should not be penalized with reporting of a debt from XX/XX/XXXX. A delay in XXXX internal business processes should penalize me and my family XXXX has not responded to my dispute as of XX/XX/XXXX. <P/>Please let me know if you can assist. <P/>Thank you, XXXX XXXX
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX experian reinserted a account on my credit report that was perviously deleted and blocked due to my credit being used fraudulent. They blocked the account for several months just to reinsert the same account with out sending any varification to me. They also are in violation of the fcra section 609 and section 611 that says they have to give a five day notice before a previous account blocked from a police report can be reinserted. The XXXX XXXX account that was placed back on my credit is a prime example of the credit bureau lack of ability to follow the law. And under the the court of law I will go under oath to be sure that Experian stop causing me humiliation and mental anguish.
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

the debt as payed on  XXXX   XXXX /2017 was payed  XXXX  i requested a letter of proove they have not send it i called  XXXX   XXXX   2017  to request and email of proof of payyment never recived it. i called  XXXX   XXXX     2017  for and email once again of proof of payment never received it. they said  24 to 48 ho urs nothing yet.
Consumer complaint received 2017-06-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I started a modification last XX/XX/XXXX. I did n't have pay for XX/XX/XXXX..XX/XX/XXXX.. I paid XX/XX/XXXX XXXX I went to the notary to finish paperwork. She mailed it for me. I did n't think to make copies. Two months later the claim they did n't get it.. That XX/XX/XXXX. They told me to start over. They would not let me make any kind of payment in the mean time. I did not pay XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. <P/>I filled out the paperwork again and faxed it this time. Again two months later they stated they never received it. Now I ca n't refinance because of the payment gaps. And they are going to foreclose on me. I have lived here for 21 yrs, I do n't know what I can do, if anything.
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP (WI)

Due to when I get paid and how much I get paid from my employer, I frequently have to pay the principal and interest portions of my mortgage payment separately. This is allowed by my lender, Associated Bank and I have been doing it for years. Frequently, when I do this, the teller who takes the escrow portion ( second payment of the month ) places the money in the incorrect account ( escrow or P and I ) or applies the wrong amount ( either too much or too little money in either P and I or escrow ). I have, over the years, contacted Associated Bank dozens of times in attempts to rectify this issue as, if the payment is not made and applied correctly, even through no fault of my own, I am ultimately responsible for the bank 's mistake as it is my credit that suffers for their mistake, not them. <P/>The XXXX 2017 mortgage payment was applied incorrectly by the teller, I was told, when I called this morning to check if the payment had been applied. I called my local loan officer, XXXX XXXX, for assistance. XXXX told me, during the course of our conversation that because I did n't make my entire mortgage payment at once, like other people do, there was nothing that could be done to help me, because my situation is so rare. <P/>Additionally, he stated that Associated Bank 's system for processing payments was not set up to accommodate multiple mortgage payments. So, here is a multi million, if not billion dollar bank that, in 2017 has a computer processing system so inept it can not process multiple mortgage payments on the same account. That makes no sense. This mortgage is my largest bill, by a longshot. I have tried the BBB, We Care at Associated Bank numerous times in attempts to resolve this issue. I am so frustrated and am at my wit 's end. I do n't know what else to do and am pleading for assistance. Make Associated Bank work with me so I can make allowable, on time payments, per their policy. Make them honor good faith lending practices. I do n't know what else to do.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (MI)

I had some unauthorized transactions on my Discover card between XXXX XXXX 2017 to XXXX XXXX 2017. I  reported this with Discover talked to their fraud investigator and was very clear that only the transactions between those dates were unauthorized. We even went through each one so to make sure there were no mistakes. I received an alert from my familys business checking account that I was overdrawn by more than {$3000.00}. After viewing account information Noticed a Misc. Withdrawl for {$4600.00} from Discover. Further I have been receiving alerts from utility companies for charges placed on my discover card from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Discover has literally reversed every transaction that has ever been placed on My discover card and without my permission marked every transaction as fraud and forced merchants chargebacks. This includes numerous businesses I frequent. I want to make it perfectly clear, the transactions prior to XXXX XXXX, 2017 were all authorized and initiated per the agreement with Discover, which is a Contract by adhesion meaning I had no say in the terms. Discover created the contract and now have violated their own contract at least 2 dozen times. I Have suffered damages that will exceed {$50000.00}. Discovers actions will destroy business relationships, it has cost me NFS fees, charge back fees and late fees. All my accounts due dates are between XX/XX/XXXX-XX/XX/XXXX of every month. Discovers reckless and unlawful actions are forcing me to take tomorrow off work to deal with the damages. I have dozens of calls to make as most departments are closed at the time I was notified of this incident, therefore forcing me to take tomorrow ( Wednesday XX/XX/XXXX ) off work. I have already drafted a civil complaint to file in XXXX County Circuit court against Discover. I believe other family members will be doing the same over the next week since this has also affected them. Additionally, Discover wrongfully closed this account and reported the negative information to all credit bureaus.