davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PENTAGON FEDERAL CREDIT UNION (GA)

We are in the process of refinancing our mortgage with PenFed credit union. We began the process under the impression that our home was a townhouse. After weeks of working with XXXX, towards the end of the process, the loan processor figured out our property is technically a condo ( how the community is set up ). The appraiser had already done a {$550.00} appraisal, which was already paid for in full in advance. Because the loan processor figured this out so late, the closing was delayed and rate lock had to be extended ( costing us {$53.00} per day - still paying, as the process is not over ). On top of that, we were charged an additional {$330.00} because, given the classification change to " condo '', additional checks were required. No clarity was provided as to what this means what checks were run. Not only that, the appraiser charged additional {$200.00} to " update the appraisal to condo '' and to file " an additional form. '' Again, no details provided. All payments are a condition for the process to move forward, meaning the customer is held XXXX to pay them or not move at all. In the meantime, the daily fee is still being applied. 

Given their complete inability to communicate with us properly in a timely manner, they let us know we had to pay {$330.00} for " checks '' a week and a half later, delaying the process even more. The processor originally told us the fee would only be charged at closing but, instead, it became a condition, something we could not move forward with unless we paid. 

Our refinance is being held XXXX and they take no responsibility for the delay, when it was on them to tell us how to move next. The appraiser said they had worked with the builder of our home often, which makes us think they are familiar with the set up of these communities in the building industry. We do not understand how the professionals, both the lender and the appraiser, took weeks to realize our property is a condo and the exorbitant additional junk fees we have been charged since. For clarity, the process was not explained to us, nor were we aware that, should such complications arise, we would be charged additional fees- including for services already provided and paid for. 

This should be a slam dunk refinance and yet it has become a major headache. I'm floored at how XXXX has made a mess of this process. 

I believe everyone should be aware of these practices, the major inconvenience it has caused us and the hundreds of dollars of junk fees. 

XXXX has failed to accept any responsibility for these mishaps either.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (NJ)

Hi, I have XXXX XXXX XXXX XXXX issued by Barclays bank. I tried booking flight tickets through XXXX website today at XX/XX/year> at around XXXX for USD XXXX. 
My transaction was declined XXXX times. I called Barclays to solve this issue as thats the issuer bank and their customer service number is provided on the back of the card. 

The customer service rep told me that everything looks on their end and I should contact merchant, which is XXXX in this case, and mastercard. I contacted merchant and they told me its your card issuer bank, which is Barclays, who you need to contact. I tried mastercard but i reached a deadend as they are not recognizing my card number and asking to contact card issue bank. I am in a loop now without any help. I have attached XXXX chat, barclays call happened over a recorded line. 

As an card issuer bank isnt this Barclays responsibility to fix this? Even if the issue is with mastercard why should I contact mastercard? No other bank which includes XXXX, XXXX, XXXX  has asked to contact the network directly. 

This is the second time I am filing a complaint with this card. It sounds like a complete incompetence on this card and I am sorry to say but a fraud ring going on where they charge me XXXX as a card fee to provide bad service and not fulfilling the promises that were advertised to me.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (FL)

I have my loan with XXXX -XXXX XXXX XXXX  , during the month of XXXX when th Pandemic Covid 19 start I request my loan to be into the FOREVERANCE PROGRAM, XXXX accept and offer me 3 month starting on XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX. 

On XXXX XXXX tranfer my loan to the company Loan Care, this company send my a letter to offer me an extention for the Foreverance Program, and I agree for 3 additional months until XX/XX/XXXX. 

But Loan Care Report to the 3 Credit Bureaus that my XXXX payment as late payment, and destroy my excellent credit report and scores, I never been late on my payments. 

I call Loan Care and they told me they will be fix this mistake inmediatle and apologies for the mistake, I still waiting but they never fix the problem and they report again to the Credit Bureaus, causing more damage on my credit report for second time now my credit from over 700 credit score point appear as a miserable report of XXXX, all my lines of credit has been affected. 

I have all proof to summit to who and need this. 

I already spend hours and hours trying to solve this matter with loan care multiple employees and always they said they will fix but after almost 3 months they do not solve the problem and my finance economic is destroy. 

Need please to who correspond to help me to solve this problem ASAP. 

Thanks. 
XXXX XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bounce AI, Inc. (MI)

This company added a collection to my XXXX  on XX/XX/year> I have received NO communication from this company. all i know is it says XXXX XXXX  on my credit report and date assigned XX/XX/year>. 

I dont know what a XXXX  is, and there shouldn't be any account for them in my name, especially with my fraud alert. 


called the company just got the run around, they were just demanding payment, said they didn't need to send a verification letter. 

sounds super fraudulent
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

I was denied a loan modification by Caliber Home Loans. I was told by a HUD affiliate at XXXX XXXX, after reviewing my documents, that my chances of getting a modification were good and there was plenty of room in my existing mortgage for modification ( my APR is 7.12 % ). I feel that I was not provided a fair review because I am XXXX.
Consumer complaint received 2024-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-12
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. (CA)

I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Velocity Portfolio Group (FL)

I have received two seperate phone calls and my husband has received one phone call from CKS Prime Investments / Velocity over the past two months regarding a credit account owned by XXXX XXXX. I informed CKS that XXXX XXXX  doesn't live at that number or address and to stop contacting me. I was contacted again via phone and again, I informed them to stop contacting me as the debtor doesn't live here. 

I received mail on XX/XX/XXXX from CKS investments, as well as spam mail from other attorneys regarding an " urgent court matter '' on the envelope. I didn't not open this mail, however I did look up the XXXX XXXX court records and searched the name, XXXX XXXX, that was on the envelope. I found a court record filed XX/XX/XXXX, showing plaintiff CKS Prime Investments, and Defendant XXXX XXXX. ( Attached ) My address is listed on both the complaint and the summons. ( Attached ). This filing was filed after I had already informed CKS that XXXX XXXX does not reside at my address or phone number and to stop contacting me. I have been receiving excessive spam mail from attorneys addressed to XXXX XXXX regarding this case, due to my address being publicly attached to an active court case. I am worried me, my husband and my children will soon be harassed by a process server and / or an officer attempting to serve someone who doesn't live here and I will again have to go out of my way to clear my residence of any legal attachments to this case. 

I have since written CKS ( attached ) and spoken to CKS and XXXX XXXX firm, the lawyer representing them, over the phone ( attached ) requesting my address be removed from the court records to stop the harassing mail and potental service. I was told " We will forward this information to the attorney ''. This was recorded by video. 

As of today XXXX XXXX XXXX  my address is still associated with the open court case in XXXX XXXX court ( XXXX ) that I am not involved in, and a summons is still issued to my home.
Consumer complaint received 2024-08-12
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. (GA)

I talked to someone at XXXX  informing them that I have inquiries that needed to be removed. They said they will do it and it should only take a few days to update. Its been 3 weeks. 


I also called them about the letter of dispute about the XXXX late payment being reported on from the account XXXX XXXX account # XXXX I have Never been late on this account! I called the company and informed them of the mistake and they said it will be updated. I called experian and they said it will be updated.
Consumer complaint received 2024-08-12
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. (CA)

I was reviewing my credit report and noticed inquiries that are not mine. XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-12
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. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: COLLECTION BUREAU INCORPORATED (ID)

Collection Bureau Inc. placed an account on my credit that does not belong to me. I have tried contacting them and asked them to provide proof that this account belongs to me or to remove this account and they have not done either. They simply responded by telling me to call in?
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (LA)

I noticed this debt in my credit monitoring account. I called I C Systems to get information, and I requested they send over the validation notice to my new address. The agent refused and told me that a letter had already been sent out XX/XX/2020. I had moved out a couple months before on XX/XX/2020, so I was not aware of this account. When I told her that, she told me that she will not resend the validation letter again, they already sent it and if I didn't get it it's my responsibility. As of now, I don't know what the account is about aside from what she told me verbally over the phone.
Consumer complaint received 2024-08-12
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. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

In the beginning of 2024, my XXXXXXXX XXXX XXXX was hacked and I encountered what they call them today of XXXX XXXX. There was an alternate XXXX on my very phone with access to my XXXX information and it absolutely ruined my life, my credit and my reputation. I am doing all means necessary to clear my name and abolish these horrendous marks on my credit report.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (MS)

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. 
XXXX account # XXXXXXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, and 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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 A 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 written consent.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I WANT TO EMPHASIZE THAT XXXX DELIBERATELY FAILS TO ANSWER THE PHONE, IT DISCONNECTS, IT DOES EVERYTHING TO AVOID RESPONDING TO OUR COMPLAINTS OF THE MISTAKE THEY MAKE. I AM TIRED O F WAITING ON HOLD TO SPEAK TO SOMEONE AND AM TIRED AND DISGUSTED THAT THESE PEOPLE NEVER MAKE THEIR DROP DOWN CHOICES PERTINENT TO THE PROBLEM. 

I TRIED CALLING THEM AS I AM FURIOUS. AND IT SEEMS THAT THESE XXXX  WILL PICK UP THE SAME XXXX UPS AS OTHER REPORTING AGENCIES ESPECIALLY TRANSUNION AND USE IT AS AN EXCUSE TO DROP MY SCORE BY MANY POINTS THERE IS XXXX XXXX XXXX XXXX XXXX INQUIRY ON MY CREDIT REPORT FOR A CAR LOAN. XXXX CREDIT UNIONS WERE APPROACHED, BUT IT WAS THE SAMEE XXXX XXXX XXXX XXXX XXXX LOAN. THE SAME XXXX LOAN TO SEE WHICH COULD HAVE A BETTER RAT E. 
THIS LAW ESPECIALLY IN FLORIDA AS YOU KNOW WAS CHANGED A WHILE AGO, THAT IF YOU HAVE AN INQUIRY ON THE SAME ITEM, A CAR LOAN AND ONLY XXXX ENTITIES MAKE THE INQUIRY ( AS XXXX IS SHOPPING AROUND FOR XXXX XXXX XXXX XXXX CAR LOAN IT IS ONLY COUNTED AS XXXX INQUIRY,. 

YES THESE XXXX HAVE XXXX INQUIRES -- XXXX FROM XXXX XXXX XXXX WHICH I WENT WITH AND ANOTHER FROM XXXX XXXX XXXX, WHICH I DID NOT EVEN PERSUE THE LOAN WITH THEM AS THEY WERE DOING THINGS THAT WERE NOT LEGAL, EXAMPLE, ASKING ME FOR A COPY OF MY DRIVER LICENSE BY EMAIL. THAT IS NOT SAFE, AND I JUMPED EVERY HOOP AND DID NOT HEAR FROM THEM AND YET THIS WAS FOR A LOAN TO BUY THE SAME XXXX CAR THE SAME XXXX CAR AND THE SAME XXXX CAR AND THESE PEOPLE XXXX WELL KNOW THAT AND YET THY WANT TO COUNT IT AS XXXX HITS. 
I AM SICK AND TIRED OF XXXX AND I WILL ALSO BE CONTACTING TRANSUNION WHICH IS MUCH EASIER TO CONTACT. IF YOU CAN DO SO I APPRECIATE THAT AS WELL. 
THIS IS NOT NOT NOT NOT THE ONLY ISSUE : THIS XXXX XXXX XXXX XXXX COMPANY THAT DOES NOT GIVE A RAT 'S XXXX ABOUT PEOPL HAS AN INACCURATE ADDRESS AND OF COURSE, YES YES YES I TRIES TO DISPUTE THAT AND SET THEM STRAIGHT, B UT THESE XXXX  AS USUAL PROVIDE A PHONE NUMB ER TO CALL THEM BECAUSE THEY SAY YOU CAN NOT DISPUTE THIS ONLINE ( HOW CONVIENT TO XXXX WE THE PEOPLE OVER ) AND I AM SO TIRED OF THIS XXXX I CALLED XXXX XXXX AND GOT CUT OFF, THEY ALWAYS CUT THE CALL, THEY ALWAYS DISCONNECT BECAUSE THESE PEOPLE ARE LIARS, THIEVES AND DO NOT CARE WHAT IS ACCURATE OR NOT. 
PLEASE SEE A SCREEN SHOT I TOOK. I ONLY LIVED ON XXXX IN XXXX XXXX. I HAVE NO XXXX IDEA WHY THEY HAVE XXXX DIFFERENT ADDRESSES FOR ME ON XXXX XXXX, XXXX, XXXX XXXX. FOR THE LOVE OF XXXX, NOBODY COULD BE THAT XXXX XXXX, TO WANT TO KEEP INACCURTE INFO ON SOMEONE, MISLEAD AND OF COURSE, OF COURSE OF COURSE THEY END UP DROPPING MY SCORE AGAIN BY XXXX POINTS AND HAVE NO EXPLANATION FOR DOING THAT XXXX AGAIN.
Consumer complaint received 2024-08-12
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. (MO)

I am writing to address the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report, which persists despite my repeated efforts to resolve it. The presence of these unauthorized items has had a profound negative impact on my life, causing considerable distress and XXXX  I must emphasize that, as a victim of identity theft, I never authorized or consented to the association of this information with my name. 

Be advised that I am in the process of initiating legal proceedings regarding the fraudulent and inaccurate items currently appearing on my consumer reports. I formally demand that you take immediate action to update, delete, and block these items from my report.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-12
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. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.