davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-03
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XX/XX/XXXX To XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Seller : XXXX XXXX Complaint about XXXX XXXX XXXX is they are not providing a written agreement to settle this account of {$830.00}. On XX/XX/XXXX I wrote to them with an agreement that would satisfy both our needs, which is : Portfolio Recovery will notify the 3 Credit Reports to delete this account from my Credit Reports and all of their files and any other file holders Copy of the 3 notifications to be sent to me. 
Status of this account to show current, paid in full and of good standing ( never late ) and Closed per request of customer. 
At time of a signed and dated agreement from Portfolio Recovery, money will be sent to close account. 

My complaint is Portfolio Recovery will not provide a written agreement so I can settle this and account. This is effecting my Credit Score
Consumer complaint received 2018-06-04
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. (FL)

XXXX has missed report my payment history. They are reporting me as 30 days late on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I disputed, they realized I was correct and removed. Then they re-reported it. This has happened 3 times. I don't no if this a computer error or clerk error on their end. Its starting to effect my ability to borrower money. I have paid the account off and have a history of all my payments to show I have never been 30 days late. Please Help
Consumer complaint received 2018-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NC)

XXXX/XXXX XXXX is reporting a claim on my credit report which is showing as a derogatory charge-off with {$0.00} balance- the debt has been paid in full and they continue to report it derogatory. 
I sent a certified letter to the company that was delivered on XX/XX/XXXX as formal notice the claim is disputed. 

First off, I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. In which I requested the " validation '' ; to be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual agreement with the company ( which is my legal right as a consumer ). 

I also made the company aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the account, then they must request that all credit reporting agencies delete the entry. 

I included a second letter in the same certified envelope that was delivered XX/XX/XXXX-to advise the company that this was not a refusal to pay, but a notice that the claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the account they are reporting to the bureaus. And requested proof that I am indeed the party responsible for the derogatory account that they are reporting on, and that there is some contractual obligation that is binding on me to this account. 

In addition, I made clear that the letter is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

As of today, the account and derogatory marks are still being reported to the bureaus and no validation of the account being mine has been provided, sent, or followed up on. 

I have attached to this complaint the 2 certified letters I sent to the company, copy of the delivery confirmation receipt, information/account status being reported by the company to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Consumer complaint received 2018-06-04
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. (MD)

I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/2018, XXXX deleted and removed item from their credit report. ( Report # XXXX XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this  disputed item must be updated to reflect the deletion of the bankruptcy. XXXX  has updated credit report but Transunion and XXXX has not.
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX, XXXX has been harrassing my husband, brother in law, and my mother. They claim they need to get in touch with me, yet don't have my number, but say they have personal information on me. I have never been contacted by mail from them. My family has asked them numerous times to leave them alone. They call using different numbers and area codes. XXXX XXXX claims that Capital One is taking me to court over unpaid debt that was discharged in a bankruptcy in 2003. I have never been contacted by Capital One themselves. I also have a current Capital One card that I use and payoff every month. I have never received a notice stating any amount unpaid. XXXX XXXX is rude, hangs up on myself and family members. They refuse to disclose their address to me. I have spoken with XXXX XXXX, XXXX, XXXX, and XXXX. The last three names refuse to give me their last name when I talk to them. I am tired of them harrassing my family and myself.
Consumer complaint received 2018-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (KS)

my name is XXXX XXXX. We have been fighting forecloser for almost a year. we thought were making some progress. We found out on fri. XX/XX/XXXXthat our hpme was sold by the mortgage co. there name is ocwen finance. we were not notified in anyway. I've called them, but could not get an answer. I don't know what to do. my wife and I are on social security, so we don't have a lot of money to hire a lawyer. Please help us, if you can. thank you.
Consumer complaint received 2018-06-04
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)

I notified Transunion on XX/XX/2018 that they misreported inquiries. Which they refused to remove. I also informed them my date of birth was incorrect & provided ID
Consumer complaint received 2018-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (IN)

I have been trying to get a modification for my home mortgage. I have been doing so since XX/XX/XXXX. I have submitted at least 4 times their requested documents on their application process. They always deny it stating I am only eligible for a short sale. I am working with a government appointed organization in XXXX County. I have sufficient income and not much debt. 
Submitted applications on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX, After i had fallen behind on my load payments due to a hardship suffered in my family. I tried make arrangements with XXXX XXXX concerning my account but they were unable to help me.on XX/XX/XXXX, I sent XXXX XXXX a letter that the information that they listed on my account was disputed. Nothing was received back from them. 
I enlisted XXXX XXXX XXXX to help me settle my account. They were able to negotiate a settlement for my account and after 12 successful payments to XXXX XXXX thru XXXX XXXX XXXX the account was settled/resolved and paid off on XX/XX/XXXX.
Consumer complaint received 2018-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (WA)

This is a Notice of Violation of ECOA Valuations Rule under 12 C.F.R. 1002.14 ( a ) ( 1 ) ; 15 U.S.C. ( a ) ( 3 ), ( e ) ( 1 ).

I applied for a loan modification XX/XX/XXXX with U.S. Bank and received a Notice from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. RE : Right to Property Valuation Documentation ( attached here as A-1 ) The Notice clearly stated that they would promptly send notification of the of the property value, and provide me with a copy of the appraisal report as required by law. U.S. Bank conducted two separate Property Valuations ( attached here as A-2 ) while reviewing my loan application and failed to provide me a copy as required by law and violated the ECOA Valuations Rule under 12 C.F.R. 1002.14 ( a ) ( 1 ) ; 15 U.S.C. ( a ) ( 3 ), ( e ) ( 1 ).

I received a loss Mitigation Determination from U.S. Bank dated XX/XX/XXXX ( attached here A-3 ) that advised me that I was denied a loan modification due to not being able to complete a property inspection. Not only was a property inspection completed during the review of my application, there were also two separate property valuations ( Appraisal/BPO ) conducted and completed during that time. This information is false, misleading, deceptive and unfair and clearly violates UDAAP ( Dodd-Frank Act, Sec. 1036 ( a ) ( 1 ) ( B ) ; 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) misleading borrowers by providing false or deceptive reasons for denial. This false and deceptive information also violates RESPA under 12 U.S.C. 2605 ( k ) ( 1 ) ( C ), due to the Servicers failure to correctly evaluate a loss mitigation application.
Consumer complaint received 2018-06-05
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: Complete Credit Solutions, Inc. (NC)

Complete Credit Solutions account # XXXX original creditor XXXX claims account opened XX/XX/XXXX this account was not opened by me. I have requested validation of the account & have not received any information from debit company or XXXX   ans they are stating the account is is mine. This account just appeared on my credit report all of a sudden it has not been on my report recently & I have several reports to prove it was never reported. This is not my account & needs to be removed from all 3 credit bureaus. 

XXXX XXXX XXXX paid settlement on account and company does not do day to delete. I gave information to credit bureau and only 1 removed information thus far. I need all 3 credit  bureaus to delete the XXXX XXXXXXXX XXXX original creditor XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX opened XX/XX/XXXX this account is settled. I have a letter from them to provide if needed that states account was settled.
Consumer complaint received 2018-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

XXXX XXXX is sending/ selling a debt that I do not owe. This collection company did not contact me before placing this debt on my credit reports. I have proof that I do not owe this debt since XXXX XXXX sent me a refund check in the amount of {$93.00} to my current address. This collection company failed the process this attempt to retrieve this debt without notifying me and the collection agency can not say it did not have my current info if the company they purchased the assumed " debt '' had my current address and sent a refund check in the amount listed above.
Consumer complaint received 2018-06-03
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. (OH)

TransUnion Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX   XX/XX/XXXX 6 ) XXXX/XXXX   XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX   XX/XX/XXXX 10 ) XXXX XXXX XXXX XX/XX/XXXX 11 ) XXXX XX/XX/XXXX XXXX Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX/XXXX XX/XX/XXXX 5 ) XXXX XX/XX/XXXX 6 ) XXXX XXXX XXXX/XXXX   XX/XX/XXXX 7 ) XXXX XXXX   XX/XX/XXXX 8 ) XXXX XXXX   XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 11 ) XXXX XXXX XXXX XX/XX/XXXX XXXX   Unauthorized Inquiries ; 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX   XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX/XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX/XXXX XX/XX/XXXX 8 ) XXXX   XX/XX/XXXX 9 ) XXXX XX/XX/XXXX I have contacted each of these companies. Was informed by each that I needed to talk to credit bureau 's about removal. Sent letters to each of the 3 bureau 's by certified mail. To date nothing has been resolved.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

I paid a balance due of {$340.00} to XXXX for a deferred interest promotion that was expiring XX/XX/XXXX. The check was mailed onXX/XX/XXXX and I notified the representative that the payment was in the mail via check. She told me they would allocate the payment to my account and allow up to 30 days until my check arrived.

My checked was mailed -XX/XX/XXXX and XXXX  did not post my payment until XX/XX/XXXX after the next interest period causing me interest fees.

When I spoke with the representativeXX/XX/XXXX after having received my new bill today XX/XX/XXXX my payment had still not been applied to the promotional amount. I had to request the allocation of the payment once again to the promotional balance expired XX/XX/XXXX. She allocated the payment to alleviate the interest charges but had I not phoned them it would have never been allocated and my deferred interest payment fees would have ensued. I was told it would be applied in 24-48 hours but not be allocated for 1 or 2 billing cycles ... .to my account. The total of {$59.00} deferred interest fees will be credit back to my account. I have 2 concerns : 1. How many customers have mailed payments for their deferred interest timelines and were not credited back their interest charges. Did all of the customers have to call again and request their payment to be allocated? I had already called and made conversation the amount being sent and what it was to be allocated for the first time, why was it not applied? 3. Why will it take 1-2 billing cycles for my credit to post to my account ... for more interest to be earned by XXXX a million customers ....?

2. Why did it take 25 days for my payment to post to my account ... could there be additional interest charges being gained by XXXX ... .to hold the payment? I was told it would show as a credit in 24-48 hours but why up to 2 billing cycles to show on my statement. Please investigate the XXXX   store card.

I
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CONTINUATION TO CFPB CASE # XXXX it's now exactly 90 days, and my personal capital one credit card is still not reporting to XXXX and XXXX, I will attach your original response and you promised that you investigated and " IT IS REPORTING '' WHEN IN FACT IT DOESN'T. 

Then you said, I should give it up to a maximum of 90 days, and it will report. 

Dear Capital One, please understand, one of the reasons I'm being denied credit, or only getting approved for low limits is because this account is not reporting!! 


Please stop with the stories and have this reported. 

BE HAPPY I DIDN'T REPORT TO THE CFPB THE FACT THAT YOU CLOSED MY SPARK BUSINESS CHECKING & SAVINGS ACCOUNT BASED ON A FALSE ACCUSATION THAT THE SAME IP address WAS USED FOR AN ACCOUNT WHICH IS COMPLETELY NOT ASSOCIATED WITH ME, BUT THAT ACCOUNT I GUESS HAD A PROBLEM AND THEREFORE YOU SHUT ME DOWN! 

I understand and respect that capital one has the most beautiful terms and conditions which has ever loophole to violate every consumer law. And I have to give credit to capital one for the fact that their TERMS & CONDITIONS is a XXXX XXXX XXXX best seller for already 5 yeas!! 

However, even with the most beautiful booklet called " terms and conditions ( to let us do whatever we want ) '' I read it again and it doesn't say anywhere you can close accounts based on false accusations. 

But I just let it go and accepted the damage and didn't even bother calling to re-open it, as I knew with certainty there's no-one with a heart that will care no matter what, in fact they'll just have pleasure from it. 


back to the point please report my credit card to the 3 credit bureaus XXXX, XXXX, XXXX I will attach the most recent statement of the credit card which is not reporting so you'll know which was needs to be fixed and report to XXXX, XXXX & XXXX. 


Otherwise, I want to thank you every minute of the day for everything you have given me ( and taken away ) but lets focus on the good, and I am so so so so so proud that I'm a valuable customer from the biggest bank in the world " Capital One ''. 
It really means a lot to me, and again I really appreciate everything!!
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a XXXX XXXX credit card that is not showing on my credit report. This is effecting my credit score negatively. I have spoken to XXXX, Transunion, XXXX, and XXXX XXXX via their customer service teams but they will not help.
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

After reviewing my credit reports, there is a closed/charged-off account on my credit report with XXXX XXXX that has a debt of {$140.00}. I contacted XXXX XXXX on XX/XX/XXXX with the information provided on the report and they have no record of me having an account with them. They used both my social security number and the account listed on the credit reports, but was were able to located me as a customer or the account. I then submitted a dispute with Equifax on XX/XX/XXXX for the account, stating that the account does not belong to me. The account has not been removed my credit report.
Consumer complaint received 2018-06-03
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)

I have repeatedly disputed several items on my report that are either not mine or inaccurate. This has been going on for almost 2 years now with no resolution. I have submitted documentation both by mail and fax on multiple occassions.
Consumer complaint received 2018-04-27
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. (GA)

I recently went online and checked my credit report and found several items on my credit report that were fraudulent accounts and addresses. I filed a police report and contacted the companies but had no resolutions. Below I will list the company and address on my Experian that are incorrect. 

Experian : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Open:XX/XX/2018 Account Balance : {$300.00} Experian fraudulent address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( never been associated with this address )
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (GA)

In XX/XX/XXXX I opened an account with Santander Consumer through a XXXX  branch in GA. The account was sold to me as a single use account to cover the purchase made that day.

I made all timely payments, always more than the minimum amount due. On a XX/XX/XXXX instead of paying the required {$25.00}, I paid the account in full for {$230.00}. In XX/XX/XXXX I received a statement for. {$0.00} cents. I called and asked why I had gotten a bill when I had paid in full. The employee stated that it was interest on the number of days between my last bill and time paid. I told her that was silly and it would now cost me more than {$0.00} to pay then. I was then told not to worry about it. I didn't.

Then in XX/XX/XXXX I got a call about an outstanding amount. I disputed that on the call making it very clear that the account was paid in full and closed. The calls continued. I disputed. No luck. Now they have place a derogatory mark for charged off with credit bureaus for {$250.00}. An account I paid in full, called and cared for {$0.00} and closed is impacting my credit score and I was denied a mortgage because I lacked the desired 720. If they are insisting on their {$.00} I will gladly pay it but they are refusing to remove this mark from my credit report. In 7 years I have missed one payment on a credit card, and with utilization of 31 % this collections which is incorrect, unfair and a money grab is impacting my ability to buy a home. I want this removed from the credit reporting agencies.
Consumer complaint received 2018-06-04
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. (OH)

On my Transunion account for XXXX XXXX it is showing two loans, and both loans being 5 months late. I only have one loan and it is current. XXXX said they are aware of the problem but do not know when they will fix it and it is ruining my credit.