davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Law Offices of Les Zieve (CA)

XXXX XXXX XXXX XXXX XXXX./ XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and their Trustee Zieve , Brodnax & Steele , LLP ( ZBS ) have made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued The Reinstatement for amounts that more than what I own, eventually denied my loan modification application and continued foreclosure my property. The servicer continues to charge me late fees every month. XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / XXXX and ZBS are not respond to the Requests for Information. I am being denied an opportunity to save my home and avoid foreclosure through the Loan Modification program. XXXX denied my loan modification is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute and be faced with foreclosure against me and I may loss of my home. I 've been submited loan modification many times and XXXX  continued to denied it, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by XXXX and ZBS. XXXX XXXX XXXX XXXX XXXX./XXXX  denied my loan modification is not based on my income or ability to pay and be faced with foreclosure judgment and I may loss of my home. Their Single point of Contact ( SPOC ) is not working or they have many 300 files so they ca n't not have time to talk to customer nicely or respectfully for all the detail the borrower ask for. Today XXXX XXXX my SPOC told my representative XXXX  that do not call him anymore and I am not a customer for service because I am in default, he complaint that my loan have late history, he can not keep talk to XXXX because he have to work on his other file. I request another SPOC because XXXX XXXX is so busy with his more than 300 files. On XX/XX/XXXX, we talk to XXXX XXXX, her extention is XXXX she told us that the Private investor is XXXX XXXX XXXX XXXX from XX/XX/XXXX. but your respond XX/XX/XXXX you indicate XXXX XXXX XXXX XXXX XXXX is the current owner of the Note. I need to know how many investor, owner of the note?? XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX can not continue give me the run around and continue lie to me. Take a look at all their fee and cost, the answer to all complaint just bla, bla, bla ... they do not answer direct questions, just throw all the number and want the borrower pay for their nonsense fee. Please breakdown for all your fee and cost, when you charge and why you charge, I need all invoices and bill and cancel checks you pay for these fee and cost. A lot of your nonsense fee need to void because you over charge and I do not have to pay for your attorney fee when I bring you to court or when I was in bankruptcy You violate the Senate Bill No. 900 in many ways. You charge a lot of fee and cost when I applied for the loan modification.
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

I filed an application for a mortgage refinance with Amerisave Mortgage Corporation on XXXX XXXX, 2016 in Colorado. I submitted all requested information on a timely and expeditious bases. It is now XXXX XXXX, 2016, and there is no answer as far as a credit decision. No one from the company will speak to me.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (NY)

15th compliant lexisnexis keeps saying I did not provide new information. What information do they need I provided it I have no idea who XXXX and XXXX XXXX are [ s you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/XXXX and XX/XX/XXXX of XXXX  I filed a dispute with XXXX, XXXX, and TransUnion addressing incorrect information in my credit report, specifically regarding the following items : I'm reaching out because XXXX, XXXX, and TransUnion are messing up my credit report. They're breaking the rules of both the Fair Credit Reporting Act ( FCRA ) and the CARES Act, and I urgently need your help. 

When COVID-19 made things tough for me, I got an accommodation agreement to ease my student loan with DEPTEDXXXX & XXXX XXXX XXXX The CARES Act and 15 US Code 1681s2 ( F ) state that during this period, my loan should be reported as current, but XXXX, XXXX, and TransUnion is wrongly labeling it as late. 

Plus, they're not handling my complaints about negative accounts correctly. The law, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) and 15 U.S.C. 1681i ( c ), says that they need to fix or remove any wrong or unverified details after a dispute and clearly mark any disputed information in future reports. But they're not doing this. 

Even more, XXXX, XXXX, and TransUnion isn't following the rule of 15 U.S.Code 1681e ( b ), which says they should take reasonable steps to make sure my credit report is as accurate as possible. This is not happening. 

Because of XXXX, XXXX, and TransUnion 's wrong actions, my credit score is taking a hit and it's getting in the way of my future financial plans.
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I chatted online with a Capital One supervisor, XXXX, today X/X/2017 at XXXX 2 screen shots of this chat is attached To ask why I was charged interest on my last 2 statements ( XX/XX/XXXX& XX/XX/XXXX ) where I had paid more than the last statement balance due. 

His response is because I did not pay in full the last statement balance for XX/XX/XXXX which was due by closing of my billing cycle XX/XX/XXXX. This is correct due to the XX/XX/XXXX holiday, I was late & payment was made on XX/XX/XXXX. 

Therefore, it is their practice to then charge me interest for 2 consecutive months regardless of paying the total last statement balance both months because they removed the standard grace period. 

Is this legal, It does not seem fair or justified and confirmation would be greatly appreciated.
Consumer complaint received 2016-06-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Portfolio Recovery Associates has repeated cycled and called regarding a {$180.00} debt. Years ago they claimed it was from a XXXX debt that I paid off, and when that failed someone on the phone said it was another debt that I paid off, from XXXX. Currently my credit report says XXXX XXXX was the original creditor. I never owed XXXX XXXX. When I asked for any kind of proof of debt to be sent to me, they claimed they did not need to provide one. They claimed that the burden of proof was on me to prove I did NOT owe the money. I am not interested in falling prey to some kind of scam, otherwise I would just pay it off.
Consumer complaint received 2023-05-14
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 am writing to express my dissatisfaction with the way you have handled my previous request regarding the removal of inaccurate accounts from my credit report. As I have stated before, the accounts in question, namely 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 and XXXX XXXX XXXX XXXX, have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I want to remind you that it is illegal for you to continue to furnish inaccurate information to consumer reporting agencies. Under 15 USC 1681 Section 602 A, I have the right to privacy, and Section 604 A Section 2 states that you can not furnish an account without my written instructions. Additionally, 15 USC 1681c. ( a ) ( 5 ) Section prohibits consumer reporting agencies from making any report containing inaccurate adverse items of information.

I have already requested that you investigate the accuracy of these accounts and remove them from my credit report. Yet, you have failed to comply with my request, and this lack of action is unacceptable. If you do not take immediate action to remove these inaccurate accounts from my credit report, I will be forced to pursue legal action against your company.

Please do not ignore this request. The inaccuracies in my credit report are causing significant harm to my credit score and financial well-being, and I will not stand for it. I expect your prompt attention to this matter.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I have received my credit report from XXXX, XXXX, and Experian. I have contacted XXXX XXXX and XXXX XXXX numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to XXXX and Experian bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX
Consumer complaint received 2017-09-06
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. (CA)

Both, Transunion and XXXX report and amount of {$570.00} from XXXX XXXX. XXXX XXXX is a satellite provider. The HOA where I live ( and have lived for almost 20 years ) does not allow satellite services for the residents. If a homeowner ( such as myself ) has a satellite television disc on their property the HOA will fine us {$50.00} a day. 

The only television that is allowed is cable TV. Out provider is XXXX XXXX XXXX XXXX. We pay for that as part of our monthly homeowner 's dues. So why would I pay for a satellite TV service when it is illegal for us, and then pay, on top of the monthly satellite TV service fee, and extra {$50.00} a day. Plus pay for the monthly cable TV service that we are obligated to pay anyway? 

Attached is a copy of an old HOA invoice for my house from back in 2016. you can see the charges for cable TV are included in the {$410.00} fee. 

This bill belongs to someone else.
Consumer complaint received 2017-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TX)

my names XXXX XXXX XXXX am the daughter of XXXX XXXX and well I do n't understand much bc she dosnt understand and what lil she know she tells me and she had not been aware of the fact that this company caliber home loans is another company from wich is not the original company she has the loan with that they were infact someone ealse whos helping her pay it off she thought that the orginal comapy has sold to them she was confused until I read THESE PAPERS TO HER CORECTLY. she has fell way behind due to her getting ill and being hospitalized I wich she lost her job as well as her vehicle shes trying her best now to do payments but she is now cofused and dosnt know whats going on at all except that shes behind and their telling her pressuring her to send more douments in to them of she WILL LOSE HER HOME ... .my mother has and dose suffer from XXXX XXXX we just now maybe 4 months ago have her doing well and coping with this but thes phone call she gets and letters in the mail are slowly takeing her backwards on what weve worked hard on we need help in as to whats going on and what they can do to help us get back on proper payments bc she canot afford XXXX and up payments every2 weeks. also in another letter she recived its stating that the company put insurance on the home and that she liable to pay it and those payments are more that XXXX a month. she cant afford this at all. 

also the person who has asked for this loan is still on this yet he does n't live their or anything at all nor dose he care we would like to know if theirs a way to remove him or what we can do about that as well ... because god forbid something happens to my mother and he try 's to come in and pay the rest off and try 's to take the property what then????
Consumer complaint received 2023-11-08
Product: Credit reporting 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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ask For Fast Removal Of Inquires
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (NJ)

Paypal is preventing XXXX XXXX XXXX from issuing to me a credit of {$500.00}. 
Paypal is dragging its feet since XX/XX/XXXX, and claiming that they have 75 days to resolve the matter even though XXXX XXXX has told Paypal on XX/XX/XXXX that XXXX has closed its investigation into the matter. 
The transaction was original processed by Paypal on XX/XX/XXXX.
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

A debt collection company that I send payments to is claiming that they did n't receive a payment that I sent in XXXX 2016. However I 've made payments in XXXX and XXXX which have applied to my account correctly. I 've tried to rectify this matter and two months later and still has n't been resolved. It is very difficult to speak with someone about my account, because staff are rarely available. At this time I still have n't been informed about the company 's status in tracking the payment.
Consumer complaint received 2017-09-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Ballybunion Enterprises, Inc (CA)

XXXX XXXX XXXX, sued me out of state, and I had 2 judgments filed against me. I had to pay 4 times the amount for what I owed them. I did n't even know I was being sued by them until I was it with a judgement.
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (HI)

Ocwen Loan Servicing received my loan in XXXX XXXX XXXX XXXX Ocwen representatives told me not to make a payment or it will be returned because I was in default. This was impossible because my mortgage was paid up to date and I had to track the location of my mortgage. It was transferred from Homeward to XXXX to Ocwen. After many attempts to correct this and attempts at refinancing to keep my house in play, I eventually I acquired an email in XXXX from Ocwen 's ombudsman stating that I was not in default XXXX XXXX but they could find no recording of their representatives stating their instructions to not pay. However, I have made recordings. My mortgage has not been accepted since then and now Ocwen has attempted to foreclose on my property several times by adding inspection fees, late fees and reporting to the credit bureaus. The fees have added up and the stress is debilitating. When I wrote a letter to Ocwen through Ocwen lawyers threatening to report Ocwen with the recordings to additional authorities and law enforcement authorities. Ocwen had a lawyer contact me to settle with me but the aspects of the proposed settlement benefit Ocwen only. They acted as if they had done no damage to me nor to my account. Ocwen must be stopped and made to remedy their thievery. 
I will pose again to our State and Federal agencies, that Ocwen be investigated as an internal XXXX XXXX threat.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quicklyXXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$230.00}.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

I have a public record that appears on my Equifax credit report with a Docket # XXXX. This judgement does not appear on NJ Court Records search. It was a previously satisfied judgement and was advised once this was removed from court records that it was to be removed from my credit bureau file. This judgement does not appear on my XXXX or XXXX report any longer for these reasons. I have disputed this item multiple times with Equifax because it is no longer valid and not in searchable court records. Equifax states that this item will be removed from my credit report until XXXX of 2017. If the item is not an entered judgement any longer it should not remain on my credit file longer than neccessary. Equifax has repeatedly stated to me thatthey verify and iformation on the credit report directly with the courts. I contacted the court directly and they stated to me that they do not reach out to credit bureaus or respond to disputes from credit bureaus regarding public records. Equifax is using a third party company to apparently verify public records but my question remains, how is a third party company verifying a public record that does not exist?
Consumer complaint received 2017-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (GA)

On XXXX2017 I received a letter from southwest credit stating a debt of {$170.00}, I then had 30 days to dispute the debt in which I did. I sent a certified letter via USPS on XX/XX/XXXX along with a debt validation letter. On XX/XX/XXXX my credit report then reported a debt of {$170.00} and I received a letter from southwest with a copy of a cable bill on XX/XX/XXXX. This violates FCRA guidelines, for record this transmittal has been screen shot and will be submitted to my attorney as well as fox5 for deceptive credit practices.
I have no business or relationship dealings with Southwest and have no signed agreement or contract with this company.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the fair credit reporting act. The following Accounts XXXX XXXX XXXX  XXXX, capital one auto finance, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.