davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Following are the relevant facts : 1. I am a member of Trans Union credit bureau, on a monthly fee basis, so that I can check my credit score and credit report. 
2. Trans Union reports my XXXX XXXX account ( A/C # XXXX ) as delinquent, 30-day late. I consider it incorrect, since my account was paid off in XXXX XXXX and it was closed with a XXXX balance. 
( HOW CAN I BE DELINQUENT ON AN ACCOUNT, WHICH WAS FULLY PAID OFF, WITH A XXXX BALANCE, MORE THAN SIX YEARS AGO AND ON WHICH I OWE NOTHING? ) 3. Trans Union 's reasoning is that they report it 30-day late, delinquent, since the creditor, XXXX XXXX, reports it as such. They claim that they are unable to change the reporting made by the creditor. 
4. XXXX informs me that the account is reported as 30-day late, since it was LATE in XXXX XXXX. They will not take any action on it since it is a closed account and they do not take any action on the closed accounts. 
5. Upon my request, XXXX XXXX has sent me two letters : ( 1 ) One showing the payment history, on my account, closed in XXXX XXXX, showing the " LATE '' payment before the account was closed. 
( 2 ) A letter showing : the dates when the account was opened, XXXX/XXXX/XXXX, when the last payment was made, XXXX/XXXX/XXXX and the current balance, {$0.00}. 
6. Trans Union and XXXX XXXX both understand that I owe nothing to XXXX, after the account was paid off in XXXX XXXX. 
7. My dilemma is that I owe nothing, yet I am reported " delinquent '', for an account that was fully paid off, with a XXXX balance, more than six year ago. Trans Union and XXXX XXXX are both locked in their own bureaucracies and will do nothing about it, while my credit suffers, as being INCORRECTLY reported : " DELINQUENT ''. 

I DEFINITELY NEED HELP, BECAUSE NEITHER ONE OF THESE XXXX BUREAUCRACIES WILL TAKE ANY ACTION, TO DO IT RIGHT BY ME.
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (CA)

We had a water damage claim in our house. We were issued a water damage loss check from XXXX our Insurance company. The check was supposed to be endorsed by the mortgage company only. The first time I called they insisted due to the large check amount that we had to get a certified contractor to complete all of our house work. The people had already been working in our house for about 1 week and half and they did not have a contractor license. I explained this to person I spoke to the first time and they stated that I just had to write a letter of consent stating that i take full responsibility for the repairs. I faxed the papers in and they had not approved or sent any of my faxes through for a whole week and then when i called back they stated that I had to still fax the contractor license before they would send the check back endorsed. I have been going back and forth with several different personnel for almost a week and half. I last spoke with XXXX XXXX XXXX and she stated that she needed to request someone from the mortgage company to take a look and then he will send a report back to XXXX and then they will only send half of the amount of the check back to us. I called again today on the XXXX and the request had still not even been put through for the representative to come through. The workers are going to be done with the house work on Saturday on XXXX XXXX, 2016, and I still do n't have the means to pay them because of the mortgage company lack of communication and the incompetence of the company itself. I am thoroughly unimpressed, disgusted and disappointed that I 've had to go through so many hoops just to get a check endorsed for a project in my house. The customer service was non existent and was made to placed on hold for XXXX min each call and was hung up on XXXX different occasions.
Consumer complaint received 2023-02-25
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: EQUIFAX, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Debt Mediation, Inc. (TX)

I used to live in a town home complex and moved out in  XXXX   XXXX  and have n't heard from them about any money I owe. I am now living in my own house that I purchased. According to  Professional Debt Mediation ( de bt collecting company ) I owe my old town home complex almost {$300.00} and there 's no reasoning as to why I owe them money. But I would think that on my credit report for buying my house, that was run back in the end of  XXXX   XXXX  that payment, would have shown up or I would have received a letter. I have blocked the phone number that has called me multiple times and I told them to stop contacting me. Now this company has sent me a letter saying I need to send a payment to them in  XXXX    XXXX   and I 'm living in  XXXX   XXXX   XXXX .
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (SC)

I was late several times this year on  my Walmart c ard and my amazon. Both of the accounts are held by synchrony bank. I was charged late fees and my credit report was noted as it should be. But then they reduced my credit limit on both accounts to the amount I owed which put me at 100 % on my credit report my score fell over  XXXX  points. These companies are crooked and underhanded and are ruining my credit. How are they allowed to do this
Consumer complaint received 2017-04-04
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (CA)

I no longer owe on this debt. They have no contract and can not in any way verify this debt is mines. This collection is hurting my scores and creating a hardship for me. I would just like them to delete it off of my reports!
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2017 I checked my credit on XXXX and had a total of XXXX collections removed from my report. I checked my account again on XX/XX/2017 and all collections were placed back onto my account without sending me a reinsertion letter as required by FCRA section 611. I have called TransUnion at least once a week since then to try to get this issue resolved and have recieved no help, no one will transfer me or connect me to an American representative or the fraud department, multiple agents have even been beligerent, some have even told me they know what happened but it 's basically too bad and that I should file a complaint because they will not fix the issue.
Consumer complaint received 2016-05-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

After sending certified, returned receipts from Portfolio Recovery Associates on XXXX accounts, asking for validation of my debt, not verification of my debt, they have kept on sending me collections notices. They have continued to also call me after I sent cease and desist letters. They tell me on the phone that I owe a debt and I tell them that they are not allowed to call me. They hang up on me. 

Also, I am writing because they are in noncompliance with the Fair Debt Collection Practices Act, Section 809. They have sent me debt verification letters, which does not suffice as a debt validation letter. I would like to know the chain of paperwork, from the original creditor, including the original agreement as this is my right. They have also broken the law by calling me after I have placed a cease and desist on my accounts with them.
Consumer complaint received 2023-02-25
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: EQUIFAX, INC. (NJ)

I've called many times to tell them this does not belong to me. Sent my social and license to prove it isn't mine. No one is doing anything. They went back instead updated the amount owed but kept reporting it on my account which isn't mine.
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I believe my husband and me are the victims of predatory lending. We purchased a home in XXXX XXXX from XXXX Loans. Later we found out through the news that XXXX was practicing some unfair lending. Our loan was transferred to XXXX XXXX XXXX. Our payments increased from {$3000.00} to {$4100.00}. We received a loan modification in XXXX and payments went to {$2200.00} which was manageable. In XXXX XXXX XXXX XXXX XXXX transferred our mortgage to SLS - Specialized Loan Service. Our loan has increased again to {$2700.00}. We can not afford this amount. I called SLS and asked what options we have. The person I spoke to me told me foreclosure or deed in lieu. I asked about relocation expenses if we took the option of deed in lieu and was told the lender does not offer that and the federal program that offered that ended XXXX XXXX, XXXX. So now owe have a house we paid {$390000.00} in XXXX worth only {$260000.00} in XXXX and we owe {$300000.00} and if we move we will have nothing to show for the {$89000.00} we invested in the house. I was also told that there was no equity in the house. 
I would like to know if XXXX was sued, was there a settlement and were we included in the settlement since I seem to be getting nowhere with SLS. They keep referring me back to XXXX XXXX XXXX and XXXX keeps sending me back to SLS with the explanation that they no longer own the account. I believe someone has an answer for us somewhere. We are senior citizens with medical conditions. We are just trying to live and we can not afford a {$3000.00} a month mortgage on a home that is underwater, pay bills, and buy medicine. 
We need answers. Can someone please review our initial mortgage?
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (WA)

This file has been under review for a short sale for 228 days, I have documentation and proof to back this up. 

The file was WRONGFULLY closed XX/XX/XXXX as I called on XX/XX/XXXX to confirm there was nothing else needed and I was told we were to expect approval any day. 

I call on XX/XX/XXXX and was told the file was closed out. I had to RESUBMIT the entire packet again. 

I called at least once a week to check on the file and was told to send one correct which it would do immediately because I already submitted the document. I would call the next day to confirm receipt and was told to resend something else. 

I spent over an hour on the phone with XXXX in the short sale department on XX/XX/XXXX to confirm the documents he needed. On XX/XX/XXXX, I confirmed a complete packet. He also confirmed our offer is HIGHER than the BPO value. 

There is a foreclosure date set for XXXX and it NEEDS to be postponed. This file was wrongfully closed TWICE now. We are on our SIXTH approval extension with the XXXX lien. There is no excuse for this file to be handled this way. 

XXXX XXXX XXXX P : XXXX F : XXXX
Consumer complaint received 2023-02-25
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: EQUIFAX, INC. (CA)

I am submitting a complaint to you today to inform and notify you that I am a victim of Identity theft. There are accounts in my file that are erroneous and must be blocked or removed, I have already sent the required and necessary files to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov so please block these accounts : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00}
Consumer complaint received 2017-05-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX  I  called transunion to dispute a collection account on my report from   XXXX   XXXX   XXXX    XX/XX/XXXX . I have no contract with this agency and have requested previously via mail twice for proof of physical verification they used to verify the debt from Transunion and have not received any as of yet. In the meantime I have also requested physical verification from the collection company and informed them that they have no surety bond in the state of   Texas   making it illegal to attempt to collect any debt from me.  XXXX   XXXX   XXXX  who is operating out of the state of  Texas  has no active surety bond in the state of  Texas  where I have resided since  XX/XX/XXXX  making it illegal for them to do business in the state. According to Texas  Finance Code Section 392.101  requires that a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. I was told by the representative that I spoke with that that was not a reason I could dispute the debt, but that I could dispute it due to erroneous information I have tried to settle this by disputing through the mail twice and making the call tonight to transunion to no avail. I am looking for this debt to be removed from my report because the debt collector is out of state and does not maintain an active bond in the state of  Texas  and is adversely affecting my credit profile. They have also not provided the method of verification of debt that I have signed with   XXXX    XXXX   XXXX   XXXX  any contract or owe   XXXX    XXXX   XXXX   XXXX  any debt.
Consumer complaint received 2023-02-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NEW CITY FUNDING CORP. (NY)

I sent letters out, and call and still no replies to get this Charge off and Closed Accounts off which make no sense .Account shows charge off and was paid.l completely off.

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. New City Funding Account # XXXX, has violated my rights. XXXX XXXX CO Reference # XXXX, has violated my rights. 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. 9a0950 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 agency if the person knows or has reasonable cause to believe that the information inaccurate
Consumer complaint received 2017-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Byrider Franchising, LLC (WV)

In  XXXX   XXXX , I purchased a  XXXX   XXXX   XXXX  and  XXXX  van after my previous car was totalled in a accident. I had a remaining balance of a little over {$2000.00} after insurance paid. So that remaining balance was transferred over onto my new loan. I was told that my payments would be close to {$400.00} each month until the remaining balance on the other car was paid off, then my payments would be lower. Within  XXXX  hours of having the van i heard squeeking and crackinf noises and called the next day to bring it into the shop. I was told by the service  manager that new parts had been placed on the car and that w as the problem so I dealt with the noise until it became unbearable and after multiple trips to the shop and my thermostat going out after afew weeks of having the van they told me what was the real problem. So I paid and had {$800.00} worth of work down. Then I decided to take a trip out of town and halfway there my van started making crazy noises and finally broke down while I was in Texas. I was stranded there for  XXXX  while things like my waterpump, tension belt and alternator we fixed. Since I 've had this vehicle it has broke down on me  XXXX  different times and I have several tows. I called afew months into my loan agreement after being without transportation the second time if i could just give them the vehicle back without penalty and I was told if i missed any payment regardless if i parked it back on their lot they would sue me for the remaining balance.   XXXX   XXXX   I was driving a my tv in my passenger headrest began to smoke and i pulled over on the interstate and pulled my kids out of the car because my rug near the passenger seat was on fire. I took the car into the shop the next day and was told that there was nothing they could do but disconnect the wires because the tvs had been installed by a previous owner and it wasnt covered under warranty. I have tried multiple times through various dealerships to trade this vehicle in and no one will take a car that is worth {$1500.00} and still has a {$8000.00} remaining balance on it!! I can not afford this bucket of bolts anymore and now the warranty is about to expire.
Consumer complaint received 2017-05-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cunningham Law Inc. (IL)

We wrote back  to Cunningham l aw inc. that we where disputing a claim.they report this claim to a collection agency in amount of  XXXX  without judgement and without notifying that this claim is being disputed.then we wrote a letter of cease and desist letter to stop the harassment and threats that are still continuing.this has been on going  for three years.this is stemming from a landlord that had no control over serious issues that he wouldnt do anything about we phoned him multiple times after months I wrote him a letter and phoned him multiple times that we  where departing from the premises we where paid in full on departure and kept are security deposit.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (WA)

I have had a XXXX Credit card for years, i have purchased and paid a lot of things with it and wanted to redeem my points. The credit card made it so hard to redeem my points that it 's ridiculous, I had been trying to do this for more than a month already and now I wanted to cancel the card since it just not worth it anymore and they charge yearly fee but I want my points redeemed and they have put a mark on my credit report. To make the matters worth, I had points that were worth ~ {$600.00} + and now I ca n't redeem for cash but for the some gift cards which are worth around ~ {$130.00} and are through the recommended companies which will rip you off, but even they are not even helping, because they do n't provide even a customer service phone numbers and only communicate through email.
Consumer complaint received 2017-05-23
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. (NY)

Transuni on had a computer breach that violated the rights of their consumers. Under section 6.11, I have been affected gravely and my credit score is suffering as a result. The glitch cased all of my inquiries to be deleted and my credit score increased. The very next week, all of the inquiries were reinstated, in direct violation of 611 of the Fair    Reporting Credit Act. I have spoken to se veral representatives at Transunion and each has acknowledged the breach occurs several times  in  XX/XX/XXXX  and  XX/XX/XXXX . However, they refuse to fix the errors on my credit report. I am requesting the the   reinsertions be permanently deleted from my credit report. I demand that the following inquiries be deleted immediately :   XXXX   XXXX   on  XX/XX/XXXX , XX/XX/XXXX ,  XXXX    XXXX   XXXX   on   XX/XX/XXXX ,    XX/XX/XXXX ,    XX/XX/XXXX    XXXX   XXXX   XXXX   on  XX/XX/XXXX    XXXX   XXXX     on   XXXX  ,  XX/XX/XXXX ,   XXXX     XXXX   XXXX   on  XX/XX/XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX     XXXX   XXXX    XX/XX/XXXX   XXXX    XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX  on  XX/XX/XXXX ,   XXXX  ,   XXXX    XXXX  on  XX/XX/XXXX ,   XXXX     XXXX   XXXX   XXXX   XXXX   on   XXXX    XXXX  on   XXXX  ,   XXXX     XXXX     XXXX   on  XX/XX/XXXX   XXXX  on   XXXX    XXXX  on  XX/XX/XXXX ,   XXXX     XXXX   XXXX   XXXX   XXXX   on  XX/XX/XXXX    XXXX   XXXX   XXXX   on  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX    on   XXXX  ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX
Consumer complaint received 2016-07-13
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I went to XXXX Lexus to see if I qualified for a new lease turning in my current lease. I was told the payment would be similar and terms also. When I got to the Finance office to sign the lease it showed it was a 48 month vs a 36 month. I was told it was too late to change and I had to accept the payments. I told them I wanted to change back to 36 month and they said they would work on it. Mow almost a year into it they still have not corrected their mistake.