davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-29
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. (SC)

The Credit bureau name Transunion violating of FCRA  part (  A )  ( 5 )  ( B ) this item was deleted from my credit file in  XXXX   XXXX ,   XXXX    TU r eport number  XXXX , my dispute was in  XXXX    XXXX  . Transunion reinsert this removed item from my credit report without notifying me in writing withi n five  business days. which carries a fine of {$1000.00} Also The creditor respond to credit bureau after 30 days which violating FCRA sectio n 611 part ( A ) ( 1 ) whic h carries a fine of {$1000.00} I have a copy of my update credit report showing deleted from transunion.     XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  #  XXXX   XXXX , GA  XXXX  phone (  XXXX  )  XXXX  Account #  XXXX  results -- -- -Deleted
Consumer complaint received 2015-08-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (TN)

I submitted an application to purchase/finance a lawnmower. The company outsources their financing to Synchrony Financial. The address on my drivers license was used for the application. At the time, I advised them I just sold my home ( closing was within the next XXXX weeks XXXX and needed to have the mailing address updated. The following week, I received a phone call from Synchrony Financial requesting I give them my updated mailing address. I gave them the new address and was advised of a future payment date. Today XXXX/XXXX/15 - my payment is due. However, I have not received any documentation regarding the loan and account number. Upon calling the bank, customer service tells me that it was sent to the old address and returned. I advised I would only issue payment if I had supporting documentation for the payment. The company mailed paperwork to an address they knew to be incorrect. The company refused to provide me with an account number although I verified my identity through my date of birth, social security number, old and new addresses, and amount of the loan. They stated they are unable to update an email address over the phone for security reasons. This makes no sense as they are able to update a mailing address over the phone. My customer service rep, XXXX - showed no empathy or concern. After telling me a payment was due today - he snarkly responded to my request for a bill in order to make the payment due with the words, " I 'll mail it and you can get it XXXX business days. '' This type of service is rude and unacceptable. It almost appeared to be a personal attack and deliberate attempt to elicit a late payment fee because they have not provided me with a copy of the payment due/invoice. Nor have they used common and acceptable methods of communication in order to ensure the customer has the information necessary to make prompt payments.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have tried a number of times to resolve this issue with the creditor XXXX to no avail. They are reporting 6 late payments on each one of my 3 loans out of their office from the months of XXXX XXXX - XXXX XXXX causing me to have 18 late payments reporting on my credit report despite any proof that I was in the repayment phase of my loan. According to official records obtained from the XXXX XXXX XXXX XXXX XXXX there is nothing to show that I was in the repayment phase for the period of time reporting late. On the contrary, the NSLDS documents show that I entered repayment XXXX XXXX and forbearance the very next month XXXX XXXX, XXXX where my account status remained until XXXX XXXX, XXXX when my account went into repayment status again. This information is verified and supported by my account activity pulled from XXXX 's website ( which i have attached to this complaint ). Under Fair Credit Reporting Act Section 623 XXXX has a responsibility to furnish accurate information, investigate claims of inaccuracies, and update information determined to be inaccurate. I have included an excerpt of the section of the FCRA that has been violated by the inaccuracies being reported by XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the  information is, in fact, inaccurate. the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Consumer complaint received 2017-07-19
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. (KY)

Transunion and XXXX are both reporting a missed loan payment from XXXX forXX/XX/XXXX. I graduated XXXX onXX/XX/XXXX, with a 6 month grace period and my loans did not enter repayment status until XX/XX/XXXX. They reported 5 missed payments ( 5 separate disbursement loans ) and charged late fees on all of them. In addition, I was never given a payment option below $ XXXX {$600.00} and could not afford it at the time. They continually put my loans into forbarence, which has resulted in an large amount of interest also. I cant afford my monthly payments at this point, and they are not willing to do anything to fix their mistakes. My credit report has suffered greatly because of this.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion wants to charge you for a credit report that you get free once a year, what they doing is another thing the reason why I ca n't access my credit report on line because you may have gotten a free paper credit report and they concider the online credit report as your once a year credit report and you have know access to the online credit without purchasein it from this credit bureau in order to make money off of the people who need to see there credit report to be able to dispute inaccuratecys the other two major credit bureauscore have online access if you need to dispute something what ever to the freedom of information act without having to pay for it.
Consumer complaint received 2017-08-21
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 tried a number of times to resolve this issue with the creditor XXXX to no avail. They are reporting 6 late payments on each one of my 3 loans out of their office from the months of XX/XX/XXXX - XX/XX/XXXX causing me to have 18 late payments reporting on my credit report despite any proof that I was in the repayment phase of my loan. According to official records obtained from the National Student Loan Data System there is nothing to show that I was in the repayment phase for the period of time reporting late. On the contrary, the NSLDS documents show that I entered repayment XX/XX/XXXX and forbearance the very next month XX/XX/XXXX where my account status remained until XX/XX/XXXX when my account went into repayment status again. This information is verified and supported by my account activity pulled from XXXX 's website ( which i have attached to this complaint ). Under Fair Credit Reporting Act Section 623 XXXX has a responsibility to furnish accurate information, investigate claims of inaccuracies, and update information determined to be inaccurate. I have included an excerpt of the section of the FCRA that has been violated by the inaccuracies being reported by XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the  information is, in fact, inaccurate. the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Consumer complaint received 2017-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

Phoenix Financial Services is violating the FDCPA. Back in XXXX XXXX, they sent me a bill which I did not recognize. I asked them to validate the debt and prove that this debt was mine. I received no response at that time. On XXXX XXXX, I received a letter from XXXX XXXX XXXX trying to collect this same alleged debt. I wrote to them as I did Phoenix previously. I received no response to that letter. Now Phoenix has contacted me again asking me to pay the same alleged bill but this time the current creditor being referenced is XXXX XXXX XXXX XXXX v XXXX XXXX XXXX cited originally.
Consumer complaint received 2017-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (FL)

I was shopping for mortgage lending and I contacted two lenders. One of the lenders was Broker Solutions, Inc ( or XXXX XXXX XXXX ). This company offered me a conventional, 30 year fix at 3.75 % rate. I decided to go with them and after 2 weeks of paperwork and appraisal paid for they changed the loan rate to 4.25 %, plus {$1100.00} for a 0.935 % in points. The new conditions were more disadvantageous than the other offer I had. After several emails and telephone conversations I came to the conclusion that these people lied to me and I decided to change lender because I did not feel comfortable continuing business with them. I have documents they sent me to print, sign and fax back, and the emails to confirm the original offer of 30 year fix, conventional at 3.75 %
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HomeTown Lending Partners, LLC (IL)

I applied to refinance my mortgage on  XXXX   XXXX . I locked a rate with Guaranteed Rate.  XXXX   XXXX  from  Hometown Lending Partners  was one of the last to respond that day. I told   XXXX  I  was set with who I was going with, because I assumed he could n't beat what I had, since everyone came in around the same rate.    XXXX  sent me a rate that was lower. I told  XXXX  that I definitely would like to go with him then.  XXXX  and I had been in contact over the next few weeks.   I had locked with Guaranteed Rate, so before I gave up that lock, I wanted  XXXX  to provide the loan estimate. He sent me an estimate under terms that I would 've agreed to. I told Guaranteed Rate that I was going with  XXXX , so they said they 'd release the lock. I was in constant contact with  XXXX  and sending him my financial documents.  XXXX  never said he needed everything to lock the rate. Guaranteed Rate did n't require all my documents to lock. As I got the last of my documents in,  XXXX  sends me the papers to sign. He does n't bother to call or email to mention that if I sign them, I 'll need {$12000.00} as a down payment. The original terms had a very small down payment less than {$500.00}.   I asked  XXXX  why he did n't lock my rate and he acted like he did n't know that was an option. I asked  XXXX  for his  manager  's info. I spoke with his manager  XXXX   XXXX  and he basically said they need something from me to lock, and he acted like locking a rate was rarely done, and said that rates went up, so there 's nothing they can do.   They sent a fake estimate, lied and acted in bad faith.
Consumer complaint received 2017-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LAW OFFICES OF ROBERT S. PERRY, P.C. (VA)

A garnishment attached to my payroll check in XX/XX/XXXX and paid in full in XX/XX/XXXX based on the payroll record. The attorney ( XXXX XXXX XXXX ) reinstated the garnishment XX/XX/XXXX stating he never received all of the payments. He stated that payments were only made to him up until XX/XX/XXXX. My employer ( XXXX ) has not provided requested information showing me who the payments were made to and when. The attorney refuses to go to the courthouse to check to see if the payments are there and have not been applied. He stated he checked the electronic records and they were not there and the only way to know if there were received and not applied ( which he said the court does ) was to go to the courthouse. I asked him how soon he would be going to the courthouse and his reply was " not for 3 or 4 months ''.
Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I submitted a previous complaint through the Consumer Financial Protection Bureau, under case number  XXXX . Thank you for removing the late payment fees from my account as a result of your mistake. At this time, I am requesting a credit balance refund check be sent to me at the address listed on file.     After reading Kohl 's response letter, I do not agree with the result of the 'investigation ' into the delinquent remarks placed on my credit report. The response provided by  XXXX   XXXX   XXXX  brought additional questions that I would like to have answered.     Kohl 's response indicated that, during  XXXX   XXXX , I elected to have only electronic billing notifications provided when there was a balance due and to suppress paper billing statements. While this  may or may no t be true, I do not recall making this election in  XXXX   XXXX . However, because this is the response provided by Kohl 's, I would like to know how and why I continued to receive monthly paper billing statements through  XXXX   XXXX , two years after the alleged election was made to ONLY receive electronic billing notifications? Furthermore, I would also like to know the exact dates that I logged into my account online to view my account activity.     Based on these questions, to which I 'm sure will not properly be answered, the delinquent remarks should be immediately removed from my credit report as it is an inaccurate representation of the status of my account with Kohl 's. I am also requesting that the " customer disputes reporting '' remark be immediately removed from my credit report as I never requested that my account be listed that way.
Consumer complaint received 2017-04-29
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. (DC)

I requested that  XXXX ,  XXXX , Experian remove a judgment  XXXX  on my credit report, whereby this judgment has since been paid and it was vacated in Marylan d ( courthouse ). However, as of  XXXX 2017, this judgment still remains on my credit report. I made a seco nd request to  XXXX ,  XXXX , Experian on  XXXX .2017, requesting that the credit reporting agencies remove this item.
Consumer complaint received 2017-04-29
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. (DC)

I requested that  XXXX , Transunion,  XXXX  remove a judgment  XXXX  on my cr edit report, whereby this judgment has since been paid and it was vacated in Maryland ( courthouse ).  However, as of  XXXX .2017, this judgment still remains on my credit report. I made a second request to  XXXX , Transunion,  XXXX  on  XXXX .2017, requesting that the credit reporting agencies remove this item.
Consumer complaint received 2024-08-20
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (NC)

On XX/XX/04, I filed a complaint with EdFinancial for reporting incorrect information on my credit report. They have inaccurately reported late payments on my account during the XXXX crisis when all student loans were paused, and I was approved for {$0.00} payments due to low income. Despite my efforts to resolve this issue directly with EdFinancial, the incorrect information persists on my credit report, negatively impacting my credit score.
Consumer complaint received 2017-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My corporate account as majority owner was closed by a bookkeeper withdrew approx  XXXX  from   XXXX   XXXX     XXXX  NY put stop payments on multitude of checks and rewrote them after depositing $ $ into a new account in  XXXX  MA BOA without my name and under a fictitious EIN from another state. Later personal accounts at BOA were attacked with my addresses being changed so as I would not receive statements. And my name removed as signer on a personal joint checking. My identity completely stolen. Will never be regained. Further on my corporate CC was separated from the pack and  BOA  discharged my balance off to my personal. This is a second attempt as  BOA  should have an open investigation but nothing heard. More than likely it went in the trash.  BOA   XXXX  is a corrupt institution like I 've never seen before.
Consumer complaint received 2016-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (OH)

I filed bankruptcy in 2009 but reaffirmed my mortgage with Wells Fargo. I have paid on my mortgage as agreed since reaffirming but Wells is not reporting my payment history to the credit bureau. They show the mortgage as a foreclosure with a XXXX balance. I have applied several times to refinance my mortgage but keep getting turned down because my account with Wells shows as a foreclosure and no balance. My current rate is over 6 % and ca n't help believe that Wells is doing this on purpose to prevent me from re-financing my debt to get a lower interest rate. I have contacted them several times but they keep telling me they are not required to report my current payment history to the credit bureau. I wonder what Wells would do if I stopped making payments on my mortgage loan. Do you think they might find a way to report my payment history then?
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NC)

A credit report shows a {$14000.00} debt from TDRCS/Yard Card , located at XXXX XXXX XXXX , XXXX, NJ XXXX, and I have been placed in collections. I have no knowledge of this debt, nor did I authorize it. I would like to dispute this and pursue legal action against those who may have stolen my information to apply for this loan.