davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2015-09-18
Product: Prepaid card — Mobile wallet
Issue: Adding money — 
Company: Google Compare Credit Cards Inc. (CA)

The Google Wallet iOS application said I would have " access to my funds within minutes '' on the transfer screen. After I hit submit, it said I would n't have access for 5 days. It did n't give me the option to cancel. An email inquiry that followed said it would take XXXX hours to receive a response. No other way to contact them.
Consumer complaint received 2024-08-27
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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-27
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. (MA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. 

The following tradeline item is inaccurate. 
Account Name : XXXX Account Number : XXXX I have XXXX late payments on an account that I was in fact Paid On Time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate and provide verifiable PROOF with records showing that I had late payments. If this information can not be verified I demand these payments be updated to Paid On Time immediately. The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage. Thank you for your understanding and prompt action.
Consumer complaint received 2016-02-01
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC (GA)

I got a loan from a Payday/Installment Business Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an Personal installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my 1 st payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my 1st payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a XXXX payday loan how could they do that without telling me until the last minute this is very wrong I could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} I told them I was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since I was paying early that I had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} she was so rude to My nervers are falling apart what can I do I am being charged double then I borrowed this is so wrong they are treating me like I am dirt. Today is XXXX XXXX XXXX I owe a payment of {$250.00} I could only pay {$100.00} dollars and I am afraid to go to the Insta Loan knowing that they will treat me very ugly. Thank You.
Consumer complaint received 2024-10-11
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I originally bought a sewing machine on XX/XX/year> for {$200.00}. It never came so XXXX shipped a replacement for me on XX/XX/year>. Since it was a gift for my grandmother, and it came too late i decided to just go out and buy a machine for her. After the Sewing machine arrived i returned it. It got lost in the mail on the way back, and since XXXX never received it, they charged me for the original {$200.00} machine and their replacement machine, for a total of {$440.00}. 

I tried to dispute the charge with CapitalOne. they asked for more information including the merchants return policy and documentation that i returned the sewing machine on XX/XX/XXXX. I sent over the documentation and they closed my case XX/XX/XXXX citing that i did not give them the information they needed.
Consumer complaint received 2015-06-04
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

My husband and I are buying a home and the lender indicated to us that a dispute came up on my credit report with a credit card company. I the credit card company and they said that they did have a record that showed there was a dispute many years ago, but that it was from so long ago they could n't give me any information other than it had since been resolved. The rep I spoke with said that they would contact the XXXX bredit bureaus that they work with to ask that the dispute be removed from my report. The rep said it could take up to 90 days to resolve, which is not a timely fashion when purchasing a home. Given that the dispute was so long ago it is strange that this was never done before- I certainly did n't know it was my responsibility to make that request. I thought after I had paid the card off and closed the account it was over. ( I knew my score could be affected for up to 6 years, but it has been over that period of time and I never followed up. ) I think it is important for consumers to make sure they follow up because it is evident the system of reporting/resolving is not efficient or necessarily accurate.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WA)

I hired XXXX XXXX XXXX " XXXX XXXX '' at XXXX to act on my behalf to renagociate ( XXXX ) interest rates. On XXXX of my cards, XXXX XXXX, I chose to close the account, stop interest charges and pay off debt. I was told that this would be reported as account closed by consumer. This did not happen. Per XXXX and Equifax this account is reporting as closed by credit grantor. When I contacted the firm working on my behalf, I was told that this information is incorrect and that this has never happened. I assured them that it does and that it did. I was told that it was to me to get this reporting corrected. I have no way of knowing how to do this. This firm was paid very good money to protect my credit rating yet a problem occurs and it is not their responsibility? how can that be? I do not know how to fix!
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MI)

On XXXX XXXX, 2015 I made contact with Cardinal Financial Company LP Doing Business As as Sebonic Financial through the web site XXXX. I agreed to apply for a mortgage to refinance my personal residence. The mortgage terms were to be 30 year fixed at an interest rate of 3.375 %, origination fees of {$350.00} and a 30 day rate lock. After multiple delays on their part, on XXXX XXXX, 2015, two days prior to closing, they informed me that instead of paying origination fees of {$350.00} as originally stated in the Good Faith Estimate ( GFE ) dated XXXX XXXX, 2015, if I wanted the loan at the original terms I would have to pay origination fees of {$2700.00} as a rate lock extension charge. When I pointed out that the bulk of the delays were on their side and that on two occasions I was told by Sebonic/Cardinal representatives that if I was timely in my production of documents I would not have to pay for a rate lock extension, I was told by XXXX XXXX, XXXX XXXX XXXX, to take it or leave it. Given that rates had increased 84 % from the 3.375 % to around 4.0 % in the intervening 67 days and the XXXX is assumed to start raising rates in XXXX, I could do nothing but take it and pay the increase in fees.
Consumer complaint received 2024-10-25
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. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct the inaccurate reporting of late payments on my credit report for the account Account Number : XXXX with XXXX XXXX. 
Despite multiple requests for correction through letters dated XX/XX/year> and XX/XX/year>, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of the information reported in consumer files. In my case, this requirement has not been fulfilled, as the same errors regarding late payments have persisted across multiple disputes.

Additionally, under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account indicates that this requirement was not followed. 
TILA Violations The Truth in Lending Act requires accurate and timely disclosures to consumers. The inaccurate reporting of late payments on my XXXX XXXX account has caused unjustified harm to my credit score and financial standing, violating these obligations. 
Protection Against Non-Payment of Obligations Act ( PAANL ) The Protection Against Non-Payment of Obligations Act ( PAANL ) also reinforces creditors ' responsibility to issue timely billing statements to avoid unfair penalties. The errors in my accounts late payment reporting show a failure to meet this requirement, leading to unjust consequences. 
Pattern of Inaccuracies The discrepancies in late payment reporting across all three credit bureaus show a pattern of inaccurate information. These errors are causing harm to my credit score, despite my previous disputes. The information reported by TransUnion, XXXX, and XXXX is not only inconsistent but also incorrect. 
I formally request that these errors be corrected and removed from my credit report immediately. If these issues are not resolved promptly, I will escalate my complaint further, including filing additional complaints with regulatory agencies and pursuing legal action to protect my consumer rights.

Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-30
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This is for our Bank of America Loan, PMI policy cancellation / removal. 

We have tried multiple times in the last 2-3 months to get the PMI policy cancelled and we have received a runaround. Despite us : 1 ) calling multiple times their designated line XXXX XXXX ) following protocol by waiting for paper mail letter as response to the call ( causing multiple delays- one instance, the PAPER letter was so delayed it escalated to sending the letter via email ( why can't the process be electronic in the first place! ) - another instance, XX/XX/year> I was told that a bank representative will call ; the call never came 3 ) sharing to their representative that we completed a significant home improvement 4 ) sharing to their representative that we have completed a property appraisal at our own expense following the previous instruction from another representative 5 ) sharing that we have not had any movement on our request to process the PMI removal - and only to be told that we can't hire a property appraisal on our own ( again, we were told that we should hire at our own expense DESPITE me asking then to confirm the advise of hiring our own because from my experience with another bank, the bank hires the appraiser. I was told " No '' - we should hire our own and so that's what we did! )
Consumer complaint received 2016-01-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Adjustment Service, Inc. (KY)

On XXXX XXXX, 2016 I was contacted by a person claiming to be from a collection agency ( not named ). I did not get the name of the woman on the phone. She claimed she was calling about a past due debt, but did not provide any information about to whom I owed the debt. Instead, she started asking personal questions which I refused to answer, since I did not initiate the call and she did not provide any information to allow me to trust her. I hung up. The only information I have is her phone number and the city from which she called. The phone number from my recent 's list is ( XXXX ) XXXX. The city is XXXX, Minnesota. This seemed to be a phishing call. The questions she was asking were all information any vendor would know.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A vehicle lease reporting on my credit file was NEVER delinquent but this agency is reporting XXXX late payments for XXXX and XXXX for XXXX # XXXX. This account was never late and should not contain any derogatory lates. I have requested a reinvestigation to forward me any evidence/ proof and descriptions used to conduct an investigation and yet i have received nothing after each of my disputes and requests. I do not believe a proper investigation was done, these late payments never occurred and the furnishers would agree but they have informed me that no one from the reporting agency has verified anything with them. The other XXXX major reporting agencies are NOT reporting any lates on this account. SO how does this agency have this account reporting this way? this is not right.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2015-07-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (FL)

There is an collection company listed LVNV which states collecting for a XXXX account maybe an account I had a long time ago past XXXX years I might have had one. Is n't this past the statue, and they will not disclose any information to validate this. Please help
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am unable to " validate '' to get both my TRANSUNION and XXXX credit reports : the validation questions from both credit reporting agencies have questions about mortgage ( s ) and loans I have never heard of, as well as multiple choice answers that are unrelated to me. When I choose " none of the above '' to all of the validation questions, I am 'told ' ( via website ) that my information does not match. That is ridiculous : the validation questions do not pertain to me and my 'none of the above ' responses should be accepted. I suspect that TransUnion and XXXX have merged info about another consumer. Someone named " XXXX XXXX '' crops up now and again. I do NOT have any idea who that person is!!! 

I am a XXXX. I do NOT have a printer or fax machine and I do NOT drive much at all. I *do* have proof of my ID ( e.g. photo driver 's license ), current utility bills showing my address. 
I need to get my name/address info properly reflected on my credit reports AND I need a copy of my credit reports to dispute what I suspect is incorrect information.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( 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 determination and provide to the agency any corrections to that information, 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 '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2015-07-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

MY NAME IS : XXXX XXXX XXXX XXXX ) XXXXI BORROWED {$7000.00} FROM SPRINGLEAF FOR XXXX MONTHSAT {$3000.00} INTEREST FOR SAME PERIOD. I HAVE PAID TODATE {$8000.00}. I BELIEVE THAT I HAVE PAID THIS LOAN INFULL PLUS {$1000.00} IN INTEREST. 
NOW THEY ARE SAYING THAT I BORROED {$10000.00} AND I STILL OWE THEM {$2000.00}. THEY WOULD NOT TELL MEHOW MUCH OF MY {$280.00} MONTHLY PAY WAS APLY TOTHE INTEREST AND HOW MUCH WAS APPLIED TO THEPRINCIPAL. I AM ASKING YOUR HELP IN THIS MATTER. 
THANK YOU.