davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i XXXX is now doing this to help clear up my credit with this company call transunion consummer relations they send me a letter out telling me i was credit was denial now i want to have it recheck by some other company and have this company remove off the list of people that keep trying to stop me from getting my credit clear up theu have been doing this for over 7 years now and i am about to get mad over this now it is about time to put a stop to people that do not want others to get head in the world now hope you can see to help me get this done to stop company that do this to other people now thank you XXXXXXXXXXXX
Consumer complaint received 2016-07-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (TX)

I am writing you about a response I received from MIDLAND CREDIT MANAGEMENT. I Disputed an account that was charged off on my credit reports with the XXXX major credit bureaus. It was charged off on XXXX. I am filing an complaint because Midland Credit Management is requesting the XXXX major credit reporting agencies report this account they have bought of mine that is over seven years old -- as " DISPUTED ''. They requested this as of XXXX. This Dispute is OVER 30 days old. They continue to request it as an ongoing continuous dispute. I am no longer Disputing this account as inaccurate. I NO LONGER want Midland Credit management to keep processing this dispute. It is well over 30 days past my initial dispute. I want to pay debts and resolve problems, unfortunately, MIDLAND is holding my credit report hostage to dispute notations -- - that are old disputes that should have been resolved in 30 days. Otherwise, I could pay more off with better credit reports. If they keep reporting as disputed, I will have to take legal action. I know you can assist me with this considering Midland 's legal trouble and history.They are no longer legally allowed to investigate my OLD dispute. This account is # XXXX. I am NO LONGER DISPUTING THIS ACCOUNT WITH MIDLAND CREDIT MANAGEMENT , INC . ADDRESS : XXXX, CA, XXXX.PHONE : XXXX
Consumer complaint received 2016-07-25
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

Received alert from credit monitoring website on XXXX that XXXX lease account was 30 days past due which I could not understand why because my wife and I had been making monthly payments on time to our knowledge. After numerous calls to XXXX they discovered that a payment was missed or not complete for the month of XXXX 2016. After consulting my wife, we found that XXXX was correct however they did not take the appropriate measures to contact us so that we could resolve payment issue before it was reported to credit bureau. My wife and I who are both on the lease account have a perfect payment history and feel that XXXX fell short in helping us prevent this issue.
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Were all aggregated and Discharged via XXXX under account XXXX XXXX XXXX XXXX XXXX and are to be expunged from consumer credit report. The debt was transferred and then the remaining balance was completely discharged due to reoccurring illness first documented in XXXX 2007, however due to HIPAA laws in effect select details will NOT appear in public portion of consumer credit report. any such violation will result in fines and fees.
Consumer complaint received 2016-03-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

I 'm writing you to request some assistants and file a complaint on the referenced above loan. Ocwen closed out the short sale on XXXX/XXXX/16 and sent us a decline letter ( please see attached ). 

1 ) They never countered us to see if the buyer is willing to go up in their offer or advised us of the reason for the decline. Other than closing it out and email us a letter. As per short sale protocol you are supposed to contact us and let us know and give us at-least 24-48 HRS to respond back so we can counter the buyer. We were never advised or done. 

2 ) We ordered an Interior BPO on XXXX/XXXX/16 to be completed on the property. We never were contacted for access to get into the property. Which means it was never completed or done. 

3 ) The BPO they are going off of was only a drive by. ( which did not take into consideration that the property is mostly Wetland and the home needs to be torn down and rebuilt. NO ONE Should be living in this property. The seller is and is providing for XXXX kids and is unable to bring the account current or have the funding to relocate. 

4 ) Ocwen also denied the relocation incentive for the seller because they advised that the investor does n't pay for relocation assistants. The investor is XXXX XXXX XXXX Bank which is a lender that we work with all the time and they have always paid the relocation assistants. I have asked Ocwen several times for the investors phone number so I can confirm this and they still have given us the phone number to verify this. 

5 ) With the mentioned drive by BPO that was completed, it was never addressed or states the XXXX of the Acres on the property are wetland and are UN-build-able ( please see documents attached ) XXXX ) There is a foreclosure sale date set on the property for XXXX/XXXX/16 which is very concerning since we are trying to proceed with the short sale of the home. 

7 ) Buyers inspection, bids, comps are all attached too. 
With this being said the offer that we have on the property is a good offer since the home needs to be torn down and rebuilt, along with XXXX % of the property is UN-build-able and has to stay as wetland. 

Please help us postpone the foreclosure set on the property, along with reviewing the proof and documents attached. Please contact at your earliest convenience to talk about these issues that were addressed and assists us in a resolution to our concerns and complaint. We are in the office XXXX-XXXX PT. Thank you for your understand and assistants. We hope to hear from you soon!
Consumer complaint received 2016-12-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Hi ive recived a zero Blance letter from XXXX XXXX XXXX XXXX # XXXX. And iam trying to refinac my home but the bank wants more proof than zero blance can you please help me with this problem if you can email me some more proof XXXXXXXXXXXX
Consumer complaint received 2016-12-21
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

A vehicle I had leased through Chrysler Capital was wrongly repossessed without warning though I had no overdue payments and had already received, signed, and returned a lease extension authorization, extending my lease until XXXX XXXX, XXXX. My car was repossessed on XXXX XXXX of XXXX, despite multiple phone calls from/to Chrysler ( from XXXX XXXX ) stating that my lease extension agreement had been received signed and that I had " nothing to worry about. '' The wrongful repossession appears to be due to Chrysler 's inability to communicate between departments and technical deficiencies on the part of Chrysler to access their own documents. I was given verbal confirmation, multiple times, that there would be no penalty for extending my lease, and then my car was repossessed without warning. Had Chrysler told me anything different I would have been glad to return the car on the date stated on my original lease agreement, but instead they took the car and sent me a bill for over {$20000.00}. I am young and just getting my career off the ground and this may severely damage my credit, though I never missed a payment and was in constant communication with Chrysler toward the end of my original lease date.
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

This makes my third time trying to dispute information the has been submitted by : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. The negative remarks pertaiing to late items are inaccurate. 
XXXX XXXX reported me as 60 days late XX/XX/XXXX before my payment was due. Also XXXX XXXX was provided authorization to withdraw my payments from my account utilizing a special payment program. The docuemnts to authorize this program was submitted to XXXX XXXX on two sperate occassoin the first being in XX/XX/XXXX and the most recent on XX/XX/XXXX. I confiremd the receipt of my document prior to my payment being due in XX/XX/XXXX and the female customer service rep at the XXXX store confirmed my draft and payment date of XXXX/XXXX/2016. The drafted payment never cleared my account and so I called the branch. I was informed that the payment for both XX/XX/XXXX and XX/XX/XXXX would be processed on XX/XX/XXXX, but this did not happen. Instead I was given a negative payment mark of 60 days even before my paynebt due date of XX/XX/2016. When I called the branch they stated thaty never had an automatic draft plan scheudled for me. I informe them of the error on my credit report and my willingness to file a XXXX complaint at which time they tried to work with me. A manager ( XXXX ) from the XXXX branch contacted me and stated that my account would stay in a duispute status and if the account payment were caught up he would then notify the main office to correct my credit report to reflec that the account error was resovled. This conversation took place on XX/XX/2016 at approximately XXXX. 

XXXX XXXX has reported me delinquent for XX/XX/XXXX and XX/XX/XXXX but has recieved payments in both months accordingly. The past due balance they are reporting is inccorrect and includes additional fees that have not been provided to me or explained to me. Attahced is a copy of the payments that have been made to XXXX XXXX over the past six to seven months. I have not been contacted by XXXX XXXX regarding any late payments. 

XXXX placed my account in a payment protection status and I requested a letter to verify that I was placed in this program. XXXX has removed my account from the collection status as the past due remarks were done so in error.
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Academy Mortgage Corporation (UT)

Lender said that the Mortgage payment was XXXX. After closing, they said my payment was XXXX for the first payment. I could n't find out why so I called and they said they would fix it. They called back and said that PMI was left off of the and that I had to pay it. I thought that the XXXX included the PMI and my closing documents do n't say anything about PMI.
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

i am a XXXX XXXX XXXX retiree who became involved with numerous online business opportunity scam companies. i paid impact ranking XXXX and XXXX inc.XXXX. i reached out to my bank for help after finding out i would never be rendered any service at all ever.i called my bank in XXXX to tell them i was not rendered any service by either one of these companies.i get really confused when my other credit card companies refund me the same company and my capitol one card wont.these companies are committing a crime with a merchant account.how can anybody who took a serious look at my account not see the fraud. i dont feel i was treated fairly or the bank even investigated.i know it wasnt a billing error. i was never rendered any service.i know i signed a contract.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2016-07-25
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Advance America, Cash Advance Centers, Inc. (LA)

contacted my work after i spoke with them and said do not call my job i will do my best to resolve this issue then called my employer and spoke to my manager and started asking questions about do i work here and so on ... Not only did they do that XXXX also called my mother and harassed her about making a payment saying that we will bring you to court and you will pay double if we do n't make a payment today my mother was crying and upset they disclosed my personal information with not only my loved ones also my co workers and they are all in distress including myself i had to leave work and my lawyer is now aware of the situation thanks i hope we can resolve this matter..
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Signed up for Citigold XXXX XXXX AA miles promotion. Completed all the necessary requirements and was promised points numerous times by several employees via phone and secure message. I was told the points would post no later than XXXX, it is now the end of XXXX. I am incredibly frustrated and all of the cases that have been opened from my phone calls have mysteriously disappeared. Citi has NOT delivered on their promise. Incredibly frustrated, and a shame that they treat loyal customers this way.
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

IN XXXX 2016 I HAVE SENT IN XXXX PAYMENTS FOR MY MORTGAGE PAYMENT AND THEY HELD THE XXXX ONE BECAUSE THEY SAID THAT I DID NOT PAY THE WHOLE AMT. I TOLD THEM CAN THEY LEGALLY HOLD MY MONEY AND REFUSE TO APPLY IT TO THE MORTGAGE LOAN AND THEY SAID YES THEY CAN DO THAT. IS THAT CORRECT? I THEN SEND IN A XXXX PAYMENT IN THE SAME MONTH THEN THEY APPLIED THE FULL PAYMENT TO THE LOAN AFTERWARD. I WRITTEN LETTERS TO THEM ON XXXX XXXX, XXXX XXXX, AND XXXX XXXX THRU FAXES AND ALL FAXES WERE SENT TO THEM SUCCESSFULLY. THEY WROTE BACK AND SAID THEY RECEIVED ALL CONCERNS BUT REFUSED TO GIVE ME AN ANSWER IN WRITING IF IT WAS LEGAL OR NOT TO HOLD MY MONEY. I TOLD THEM THAT THE XXXX PARTIAL PAYMENTS I WANT THEM TO APPLY ON THE DAY THEY GOT IT AND NOT HOLD ONTO IT. IN ADDITION I WANT TO KNOW IF THEY LIED TO ME OR NOT WHEN I WAS IN A LOAN MODIFICATION IN THE PAST 2 YRS OR SO. I ASKED THAT SOME OF THE MORTGAGE LOAN TO BE FORGIVEN BECAUSE I WAS TOLD BY THE MAKING HOME AFFORDABLE ACT THAT IF YOU HOUSE IS VALUED LESS THAN WHAT YOU OWE YOU SHOULD BE GRANTED THAT AMT. I HAVE ASKED FOR THAT TO DO BE DONE SINCE SPS XXXX VALUE CAME IN AROUND $ XXXX BUT THEY SAID NO THEY WILL NOT DO IT. I ASKED SEVERAL TIMES ON THE PHONE AND IN WRITING. CAN YOU TELL ME IF WHAT THEY SAY IS CORRECT THEY DO N'T HAVE TO FOLLOW THE RULES OF MAKING HOME AFFORDABLE ACT. I HOPE TO HEAR FROM YOU.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (NY)

I never received information about Barclays ( XXXX ) decision personally to me. The last I looked was on your site that there would be a 60 day decision time. By chance tonight ( XXXX ), I looked to see if there was anything new or updated and see the case was closed! I see they never commented on 45 day notice to change in account. I believe they are not honest with their customers and certainly not helpful. Thanks to them I had to sell my car and now be without one because Im trying to survive for housing and food. The way they treat seniors is despicable!!
Consumer complaint received 2016-08-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Halsted Financial Services, LLC. (WI)

A collection agency -- Halsted Financial Services, LLC Ph. # ( XXXX ) XXXX has sent me a bill of collection for which I know nothing of. It is from a leasing agency. I live in XXXX housing and do Not even know how to get to XXXX. 
The looks like the leasing agency is ( XXXX ) .HFS reference number ( XXXX ).
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I HAVE SENT AND REQUESTED THE removal OF fraudulent identity THEFT ACCOUNTS FOR THE LAST YEAR. EXPERIAN REFUSES TO DELETE AND INVESTIGATE INFORMATION. THEY WILL NOT ADHERE TO MY FTC identity THEFT REPORT OR MY POLICE REPORT THAT VALIDATES THAT I AM AN VICTIM OF IDENTITY THEFT. EXPERIAN IS NOT investigating DISPUTES, THEY JUST CONTINUE TO SEND SAME PAPER SAYING IT WAS DISPUTED. PLEASE INVESTIGATE WHY EXPERIAN REFUSES TO ADHERE TO THE GUIDELINES PUT IN PLACE FOR identity THEFT VICTIMS.
Consumer complaint received 2024-09-05
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. (TX)

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. 

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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 2017-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NC)

On   XXXX   XXXX   XXXX     XXXX   XXXX    charged my debit card for  XXXX   XXXX   XXXX   for future publishing services to be completed by  XXXX   XXXX .   However, I was have n't communication issues in  XXXX  to  XXXX  when all communication stopped I requested my money to be returned in  XXXX ,  XXXX  and filed a compliant with the attorney general of Oklahoma.     I contacted chase bank in   XX/XX/XXXX /  XXXX   XXXX   XXXX   an d advised them that I never received the services that I paid for.   They denied my claim writing that they confirmed it was a good transaction. The transaction ( debit ) is not the claim. They are denying my claim without substantiating the validity of the claim. How can they do this.
Consumer complaint received 2024-09-05
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. (IL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-05
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. (TX)

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. 

Account Name : XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX -Balance {$630.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX -Balance {$2100.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$3000.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX -Balance {$280.00} -DATE OPENED XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX