davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint against TRANSUNION, for the continued reporting of an inaccurate, unverifiable bankruptcy in my credit report. This has negatively impacted my credit profile, even though the reporting is based on improper sources, lacks verification, and violates my privacy rights. I am requesting that the CFPB intervene to enforce the immediate removal of this bankruptcy and all associated accounts from my credit report.

The reporting of this bankruptcy is inaccurate, unsubstantiated, and violates the Fair Credit Reporting Act ( FCRA ), as detailed below : 1. Inaccurate and Unverifiable Reporting ( FCRA 1681e ( b ), 15 U.S.C. 1681c ) - The FCRA requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of reported information. Since courthouses do not directly report bankruptcy information to credit bureaus, the source of this information is unverifiable, and its continued reporting lacks a legitimate basis.

2. Unauthorized Public Dissemination of Private Information ( FCRA 1681b ) - The FCRA stipulates that credit bureaus can report consumer information only with consumer consent or for permissible purposes. I have not authorized any credit bureau to report this bankruptcy, making the current reporting of this information a violation of my privacy rights.

3. Failure to Provide Verification ( FCRA 611 ( a ) and 611 ( a ) ( 7 ) ) I disputed this bankruptcy with each credit bureau. Under FCRA 611 ( a ), credit bureaus are required to investigate within 30 days and delete unverifiable information. FCRA 611 ( a ) ( 7 ) further grants me the right to detailed information regarding the verification, including the name of the source and methodology used. The bureaus failed to provide adequate verification, and this bankruptcy should be removed.

4. Additional Violations and Potential Liability Under 15 U.S.C. 1681 ( a ) ( 4 ), the FCRA protects consumer information to avoid damaging consumers creditworthiness and reputation. Sections 15 U.S.C. 1681n and 1681o outline liabilities for willful or negligent non-compliance with the FCRA. The continued reporting of this bankruptcy is improper and subjects these bureaus to potential liability.

5. Debt Validation Requirement ( 15 U.S.C. 1692g ) If the bankruptcy information was obtained from a debt collector, 15 U.S.C. 1692g requires validation of the debt. If validation has not been provided, the reporting remains unauthorized and unverifiable.
Consumer complaint received 2018-01-17
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. (GA)

XXXX Transunion and XXXX did not fix an error on my credit report. The contract was canceled by the company.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc. (MI)

This company has reported my account XXXX XXXX late and that is incorrect. I tried to make numerous payments but could not make payments through the website please investigate thoroughly to get everything correct and remove this now! 

Money lion Account : XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX, I missed the first of my payments on two credit cards I had with Citibank. I was having a XXXX XXXX, and had extreme financial duress. Without the XXXX XXXX, I would n't be able to return to work. I called Citibank monthly to try and attempt setting up a payment plan, as I had successfully done with XXXX XXXX. ( I 've been a Citibank customer for more than 10 yrs ). I was told that unless I could pay the full amount due ( balance, late fees, etc ), they could not help me. I 've called them at least a dozen times in the past year to try and get some sort of payment plan set up, as I went back to work in XX/XX/XXXX. They would not cooperate, same reason. Well, now it 's 12 months later, and they 've allowed the late fees, interest and other fees to accrue, all the while I was n't even able to view my account online any longer because it was in default, and they 've just sent me letters for both accounts and the balance has been sent to a debt collector. The amounts are so much higher than what I owed a year ago, and I feel that this is fraudulent practices on their part. Intentionally leaving an account open, but inaccessible to the customer, and jacking up the fees to buffer their balance is corporate thievery. I was an excellent customer all of those years without any late payments, even while struggling, and this is the return for financial duress.
Consumer complaint received 2018-01-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: BAY COUNTRYCONSUMER FINANCE,INC. (MD)

XXXX XXXX XXXX XXXX, of XXXX XXXX, MD forced me to accept their insurance even though the car was completely insured prior to and after obtaining the loan. 
This increased the amount of the loan and in turn increased the amount of each payment that was owed, which ultimately let to my car being repossessed after missing two payments. 

The company that repossessed the car is called XXXX XXXX charges a flat fee of {$450.00} to return the car and they add a charge of {$25.00} per day to further deter someone from being able to retrieve their car. 

I had the money to pay the back amount owed to the loaner but not enough to pay the ever increasing amount of the company they used for repossession. 

This company uses very shady business practices. I showed them proof of my car insurance and they still added their own insurance to the car loan and increased my loan amount without my consent.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (ID)

In XXXX I purchased my home in XXXX idaho through loan servicer XXXX XXXX who sold the loan to the current " servicer '' Loancare , LLC. They never properly notified me of the initiation of transfer nor did I receive a new agreement or packet with necessary information from the new servicer. I have requested several times but no success. I have tried to call to speak with someone to clarify terms and such but I am never able to get anyone on the line. Recently I decided to purchase a second home and to refinance with a completely different company for this loan all together. I have never felt secure since the transfer as I am unable to communicate with them entirely. Upon reading some reviews and how horrid they have done likewise consumers I decided to act immediately. I requested a payoff statement, when I received it, it stated I was late on a payment which is not accurate. I pay the same time same way each and every month so I knew there was no way to have done so. I tried to contact them, again no success. XXXX XXXX I logged on as usual to make my payment, the welcome page generated and I clicked the online payment link but rather than being redirected to the appropriate page a message came and said unavailable to you at this time please contact them at the listed phone number between specific hours. So I have been attempting to contact them since again no success. I have never received any mail, notice, email, or phone call of any issue. Since I was unable to pay online I submitted a check through bill pay from my bank instead. 
Yesterday XXXX/XXXX/XXXX I received a letter that states I am in preforeclosure for being behind in pay. I got on my credit monitor and saw the months in which they note I was delinquent or did not pay ... all months have been paid. I have receipts to show such to be true. I never had an issue or knew of a potential for issue until I was not able to log into my account as usual. I disputed the information with the credit bureaus but no change has been made. I have documentation that I have sufficient income to be loaned to, that I have always paid payments and on time, and that I in fact have sufficient enough income to purchase another home as desired however with the havoc on my credit this is causing my credit score is quickly diminishing ... from high 700 's to low 600 's today. 
I need this fixed and resolved and to be able to refinance with another lender asap. I am at a loss and do n't know what else or at all to do.
Consumer complaint received 2018-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was a victim of serious Identity Theft, I was out of the country for several years, as a XXXX XXXX in a 3rd world country. I have a Issue with KOHLS department store, they open the 1st account in XXXX and I was able to get an alert and I had them to close it because I was out of the country. Kohls refuse to remove that account even with the XXXX balance. I want it removed it does not belong to me. Kohls department store then open a 2nd credit card in XXXX someone racked up {$910.00} dollars of Identity theft credit card fraud. I sent police reports once I made it back to the united states, I even got the attorney generals office involved. they refuse to take it off I been fighting to close it from XXXX when I saw the 2nd Kohls account. The Company has been very sketchy, I do n't want my credit profile to say it meets federal code or what ever they are putting on my report. this account was not open by me. I had fraud alert and no accounts should have been open without calling the phone number on file. this is against the ; law. I want this account to be removed from all credit burials and my reputation be restored. I have been treated worse than human when I call and it looks like Kohls is the place  to open fraud accounts, might be a inside job.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (AZ)

EOS CCA is reporting on my credit report fradulently for XXXX XXXX. I 've contacted EOS and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I first sent the inquiry removal letter to each credit bureau and called. I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. When I reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission they just keep telling what a inquiry is. Please remove the inquiries on my XXXX report and Experian report.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

Mass Department of Revenue places a lien on me in XX/XX/XXXX for taxes not filed.After doing the taxes for years XX/XX/XXXX-XX/XX/XXXX they owed me a refund for every year. Im asking that the credit bureaus remove this information from my credit report.It is reported as paid which it never was they owed me.l did get Mass DOR to write a letter stating this but the credit bureaus dont recognize this as suffficient.Ive disputed this action to Yea of course avail. Im asking that this lien be removed.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

I have requested verification and validation per my right under the FDCPA section 809 a and b. This is your direct dispute. I am demanding proof of this debt. I have never had  XXXX . My account number  XXXX  according to the inaccurate information on my credit  report.. My  address is  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX   XXXX  This company collection practices are very abusive and deceptive as well. Trying to talk to anyone is a nightmare and they are very rude and hateful. I am aware I can seek actual and statutory damages against you and your client. If I must file a civil lawsuit I will to protect my rights. As I am sure I am not the only consumer whose rights has been violated by this company.
Consumer complaint received 2018-01-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (DC)

Since the beginning of XX/XX/XXXX I have been trying to close my XXXX account. First I called for my balance and immediately deposited a check for that exact amount in my checking account. Little did I know a charge of {$2.00} for maintenance was pending. That caused the check to bounce despite them saying they would reverse the fee and it would n't happen. I also got a bounced check fee of {$12.00} from my bank ) as well as a {$30.00} fee from the XXXX account. Then they said to do it electronically but the amount in the account was over the threshold. I had to write a letter but it kept adding to the time it was and is still has n't closed. Finally after complaining, they called me and said they would wire the funds. They called two hours later saying it was too late in the day to do it. As both my bank and theirs was still open, this is further example of them jerking me around. No one should have to go through this hassle to close an account. The bank is XXXX XXXX in XXXX, WI
Consumer complaint received 2017-06-20
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: Collection Bureau of Fort Walton Beach, Inc (FL)

In  XXXX  or  2017 , I contested an item on my credit report that was reported as collection by  Collection Bureau of FWB.  It is a  XXXX  bill that I have no legal responsibility for and know nothing about. I did go there for   XXXX   XXXX   XXXX   for the brief period of time I lived there in a previous year. My bill was always paid in full by my insurance company. The reply that I got from  XXXX , was : '' This account is no longer being reported ''. This is not an acceptable response. I do not owe this amount nor do I have any legal responsibility to pay this bill. This account should not be on my credit report and should be removed or show me proof that it is in my name and that I signed anything for responsibility of another persons account. Just saying : " It 's yours '' tells me that someone did not do their job in investigating the validity of the debt. I am so tired of fighting at every turn, even debts that were discharged from bankruptcy being reported and updated as collections in the past.     This has been contested 3 times in the past year and the last time did not even get a response and the 30 days is up. I ca n't even log into   XXXX   online or by phone. They have told me my information, that I have been using for 40 years, is incorrect and access is not available to me. I tried to have  XXXX  removed, faxed the requested proof that I am not a  XXXX  and have never been a  XXXX  and they send me a letter telling me I need to submit the same documents that I had previously sent and faxed.     I am requesting that this collection be removed from my report. A reply of it is no longer being reported is not proof of debt liability, and my last request was not answered within the 30 days.     Thank you for your assistance with this matter.      XXXX   XXXX   XXXX
Consumer complaint received 2017-06-20
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. (TX)

I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.
Consumer complaint received 2020-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (CA)

XX/XX/2020 I submitted a dispute threw XXXX and XXXX  about the collection I have on my credit report ; from Enhance Recovery Company, the collection agency for, the amount of {$1400.00}, from XXXX XXXX. The XXXX collection was originally under another collection agency ; from XXXX  XXXX  ; for the same amount {$1400.00} from XXXX which they did remove the balance owed. I then received a letter stating they sold the collection account to a different collection agency, and there is a balance due, and was placed back on my credit report.
Consumer complaint received 2018-01-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc. (VA)

In XX/XX/XXXX, My vehicle was repossessed by Consumer Portfolio Services ( CPS ). Upon contact with CPS, I was told the vehicle had been repossessed and more information would follow as a result of the repossession. Until the day I have yet to receive any information concerning the car or the amount the vehicle was sold for/invoice. Furthermore, it is Virginia law I be supplied with the invoice as well as the Date and location the vehicle would be sold. After reviewing my credit report, I saw that the company provided an ending balance of {$5600.00}. How is this possible? How am I suppose to know this is correct? Furthermore when I reviewed the account several payments were not posted correctly to the principle balance. I have enclosed the document from my credit report to show the issues with CPS.  If you review XXXX to XXXX a payment was made with no late fees incorporated yet the balance remained the same. I examined the other reports an all reflect the same issue. If you review XXXX I paid XXXX and yet my principle balance was only credited with {$610.00} Even I was paying the loan at 23 % there is no way the balance should only move XXXX dollars. The same thing happens from XXXX and XXXX, XX/XX/XXXX and over the course of the loan this company did not post my balance correctly on my credit reports.
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

In XX/XX/XXXX, our mortgage company Shellpoint, allowed us to defer two months of mortgage payments due to hurricane Irma. Once  deferment was established, Shellpoint sent us a letter explaining that we would need to manually mail in our next two mortgage payments that were due inXX/XX/XXXXandXX/XX/XXXX. In XX/XX/XXXX, we mailed in a check to pay our mortgage payment, as they requested. However, Shellpoint also drew our mortgage payment from our bank account at XXXX XXXX XXXX, using automatic payment system, the  payment system they said they could n't use and requested us to mail check in instead. I called Shellpoint on or about XXXX XXXX to advise them that they erroneously drew our payment from our bank after we mailed a check to pay our mortgage payment. In that call, which is recorded by Shellpoint, their employee/representative, suggested that they ca n't mail us back or credit the duplicated payment, but would NOT bill us in XXXX XXXX. I asked representative to confirm this and that the duplicated payment would n't just be applied to principle balance. Representative assured me that duplicate payment would be applied to XXXX XXXX bill. on XXXX XXXX, XXXX, Shellpoint drew automatically on our bank account, after advising they would n't. I called Shellpoint to advise and they said they ca n't do anything to help me and if they were to credit me back, it would take 10 business days. Unfortunately, this will cause our bank balance to fall well below the bills we have already set to pay, causing over 10 NSF charges to hit our  account. When I requested to speak with someone at Shellpoint/ manager or supervisor, they sent me to someone 's voice mail. This company has illegally drawn money from our bank account on two occasions now. in XXXX XXXX and in XXXX XXXX. Leaving our family in a critical financial bind and will cause more costs to our family for overdrawn funds. Shellpoint is negligent in their actions and the advice they give their account holders. Also, they do nothing to remedy issues they themselves have caused. I want to register my complaint on Shellpoint mortgage for illegally drawing funds from my account and I want to hold them personally responsible for any and all overdraft charges they will cause or affect on our personal bank account
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I have been working with Shellpoint for a loan modification or alternatives to save my home from foreclosure. Since XX/XX/XXXX I have been providing all documents requested. On XX/XX/XXXX when calling in for an update, I was informed additional documents were needed. Those documents were faxed in and received by Shellpoint on XX/XX/XXXX per their confirmation but have not been reviewed as of yet because they are now stating that as of XX/XX/XXXX the review has been closed out. I do not understand how they can already close it out if the documents were sent less than 5 days later. In addition, I was never informed that there was any deadline for the documents. I am now facing a foreclosure sale on XX/XX/XXXX and out of options. How is this fair and ethical? If my information was being reviewed for a loan modification and there is a foreclosure sale the lender should postpone the sale while in this review process, however Shellpoint failed to do so as well. All my rights as a homeowner are being violated and I need your help.