davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

so I had 2 offers on both my capital one cards one ending in XXXX and one in ending in XXXX and they both had an offer for direct tv to get 50.00 statement credits back on both accounts one 50.00 credit for each so I did everything I was supposed to do to get those credits back and know capital one its going to take XXXX months to get these statement credits back I am very upset and it should take this long there customer service is horrible and you can ever get a hold of someone above a supervisor on the phone I have emailed that cooperate offices about this many executives and no one ever responds to my emails what kind of XXXX customer service is this all you do is get the same runaround all I want is my 50.00 statement credit s on both of my account s and they make it like an act of congress
Consumer complaint received 2017-06-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

When we bought the home on  XX/XX/XXXX  we also received checks around  XXXX   XXXX  to pay off some other bills. Within  two  weeks our company went bankrupt and we had to file bankruptcy also. We still had the checks from Beneficial. Our lawyer and  Beneficial  said to send them back to Beneficial. That is when the problem started. I sent back all the checks to Beneficial but they never took them off of what we owed. I asked to get copies of the checks but to no avail. I told the gentleman I want to keep the house and I wanted it to be reaffirmed and he said ok.   I have been trying to get  XXXX  since  XX/XX/XXXX . My doctor has told me not to work. I am just asking to keep my home. Every since we bought the home it has been a nightmare. There was no home inspection done at the time that we bought the home and we had termites. That was a fortune to get rid of them and now the floors in the living room where the termites were is caving in and we are scared to walk on them. I still feel there is something wrong with the way the paperwork and closing was done. I have asked  Beneficial  to do an audit on our closing paperwork but to no avail.
Consumer complaint received 2017-06-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

NationStar as a mortgage servicing company for XXXX is not customer focused and are not being transparent about their processes for making decisions that affect American Consumers. <P/>On XX/XX/XXXX, I inquired with XXXX/NationStar about the criteria to eliminate my escrow account. On XX/XX/XXXX, they shared with me that my loan to value ratio was 92 % and did not meet the 80 % criteria for elimination. That same day, XX/XX/XXXX, I sent a follow-up question about how they calculated my loan to value ratio. <P/>On XX/XX/XXXX, XXXX/NationStar shared with me that using my original loan appraisal amount of {$220000.00}, I did not meet the 80 % required loan to value ratio to eliminate the escrow and they referenced my mortgage agreement. Again, the same day, XX/XX/XXXX,  I, in turn inquired about sending a new updated loan appraisal -- at my expense -- since my home value had changed significantly since the original purchase in 2012. Since their original responses were so quick, I was confused when I did not receive a response within a week to my second follow-up question. After no response, I inquired again on XX/XX/XXXX <P/>On XX/XX/XXXX, without explanation or any information grounded in published for the customer policy or without reference to my mortgage contract, they simply stated that this would not be possible. <P/>I found this response to be inadequate, not grounded in documented policy and intentionally flippant to a very serious question posed by a paying customer. I shared with them as much and let them know that I would be sending a formal complaint about their response. XXXX/NationStar 's practice of not being completely transparent with customers about what is driving such a critical decision is unacceptable for the American consumer. <P/>I have never been behind on my mortgage payment, and have opted to pay my property taxes and property insurance myself rather than out of my escrow account to show that I am more than capable of managing these expenses myself. Again, although I am aware of the requirement and the fact that I am voluntarily doing paying these expenses outside of my escrow account this alone does not exempt me from the escrow requirement. I will say that the process for determining my loan to value ratio must be transparent and fair and this is where XXXX and NationStar is failing. <P/>Please, any assistance you can provide would be most helpful. I just want a fair assessment of my homes current value as a basis for the decision concerning my escrow requirement.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was part of the class action law suit against XXXX XXXX XXXX. I signed the executed agreement based on the terms laid out in XX/XX/XXXX. In the agreement I would receive a financial settlement and in paragraph 3 XXXX would remove all entries regarding the account from the credit bureaus. XXXX agreed to these terms with my attorney XXXX and XXXX. I sent copies of the agreement all 3 credit bureaus to get the file updated and all three sent back the response that XXXX refused to remove the entries even after entering into a legal contract. Furthermore, when I attempted to contact XXXX they refused to speak with me. Since my escalation in trying to remove this entry to close on a home mortgage XXXX has changed the credit file from voluntary repossession/charge off in XX/XX/XXXX to current late payment further damaging my credit score. Based on this action I was unable to close on my home when this was the only negative entry and when the broker contacted XXXX they stated this was a current debt which is false. 
I have attached the executed agreement for your review and please see paragraph 3 which states XXXX should have removed this entry months ago with all three credit bureaus.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am on XXXX and my truck is financed with XXXX. This payment is being paid by XXXX insurance that was sold to me when I bought my truck. Recently the insurance company held up my payments on the truck when I was switching doctors. When XXXX received the payments to catch it up, they applied one payment ( XX/XX/XXXX) to the loan and the credit bureau is still showing that the XX/XX/XXXXand XX/XX/XXXX payment are past due. We have no idea what XXXX did with our payment and they wo n't fix or tell the credit bureau that we are current.
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company (FL)

Beginning in  XXXX   XXXX , Focus Receivables has been reporting  XXXX  different  XXXX  collection accounts to my credit, all with service within a few months of each other in  XXXX . I have disputed these accounts with the various credit bureaus, only to have Focus verify them as accurate.   I have since written directly to  Focus  to point out that there is simply no way I had  XXXX  different ongoing accounts with  XXXX . Focus responded with documents which I suppose they believe proves the validity of the debt. However, they do the opposite.    Focus  sent a contract/invoice from  XXXX  which shows charges of {$1400.00}. The down payment reports as paid at {$700.00}. The remaining {$700.00} was financed through their in-house plan with a {$68.00} finance charge. A total of {$760.00} financed.   Focus is reporting  XXXX  different collection collections, apparently regarding the same debt, and the amounts in their reporting add up to {$1100.00}. I am well-aware that the number of individual collection tradelines appearing on a credit report greatly effects the  XXXX  redit score, so it would seem that their reporting of a single acco unt as  XXXX  different delinquencies is designed to unfairly malign my scores. I do not believe this is legal, either.   Beyond this, the debt  ( s ) its elf are very much disputed and all Focus did was mail me a copy of the original  XXXX  contract, which really establishes little. I cant see how this company is allowed to report a single transaction as  XXXX  separate and distinct transactions, the way it currently is.
Consumer complaint received 2023-03-27
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. (IL)

XXXX XXXX XXXX  is not reporting my credit on time they reporting a whole month later I pay on time every month they report it the next month which is makin my credit score not approve as it should be! I will like my credit score as it should be! I have them in court also for fraud!
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish a account without written consent.

It is reporting stuff that is hurting my credit reputation!
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MA)

I had a bank account at Suntrust for many years without any monthly maintenance fees. A couple of years ago, this bank was bought by Truist Bank. Starting last fall, they started charging me a monthly maintenance charge of {$25.00} without notifying me. I found out after they charged me for 7 months - for a total of {$170.00}! 

They did not notify me about these charges. They only offered me to refund {$75.00}, which is still not fair. They should not have made the unauthorized charges. They should have notified me about these pending charges and offered me an alternative type of account that has no maintenance fees- like I had at Suntrust for many years. 

If they refund me {$75.00}, they still owe me {$100.00}.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OR)

I have an inquiry on my Experian account that I did not solicit. XXXX XXXX XXXX initiated an inquiry on XX/XX/23 of this year without my consent nor request from me. 

I first reached to them within 3 days of this inquiry date due to concern of potential fraudulent activity. I spent almost 45 minutes on the phone with them as they reviewed their systems to try and find my info. They couldnt find anything with my information on it and they told me I would have to take it up with Experian. 

I called Experian the next day and they told me I would have to take it up with XXXX and get a letter from them stating that the inquiry was invalid. I was told once I had a letter from XXXX I could have it removed. 

I tried XXXX again and they told me they couldnt do anything for me as I wasnt in their system. I feel like I am now in a process where I am chasing my tail. 

For awareness this inquiry is the only inquiry on my report.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

My Fianc and I were both named on an illegal collection attempt by XXXX XXXX XXXX on behalf of XXXX XXXX. This is an attempt to collect an invalid debt, originally requested by XXXX XXXX ( Not XXXX XXXX, as reported on our credit reports ) in the amount of {$570.00} for various fees and alleged damages to a rental unit. 

As is standard by Nebraska Tenant Law, specifically Nebraska Revised Statute 76-1416 which states exactly : ( 2 ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section 76-1421.

We had paid a {$500.00} Pet Fee ( non-refundable ) and a {$500.00} security deposit for this apartment. 

The {$570.00} was claimed owed in excess of the security deposit. 

No receipts were ever provided by the original leasor after repeated attempts to get this information from XXXX XXXX. According to Nebraska Law, money withheld from rent and security must be applied to the amount of damages the Landlord suffered, but no proof of such suffering was ever provided, as was our legal right. 

This has already been removed from both of our XXXX reports, my fianc 's XXXX Report ( Mine is still under review, but it is the same debt and the same justification ), but yet, Equifax has deemed that the debt is valid, despite the illegalities stated above with the debt collection itself and the original justification for the debt. 

This debt is not legal, this debt is not valid under Nebraska Law. If it was valid, they would have simply taken us to court for the sum. Instead, they threaten our credit and submit our debt to Equifax AFTER our disputes with XXXX and XXXX were opened, in a clear case of retaliation. 

If two credit unions ( XXXX and XXXX ) have already deemed this justification sufficient and removed the accounts from the credit reports, why then does Equifax see differently? 

No justification was provided from XXXX XXXX XXXX at any point when we requested, via certified mail, documentation for proof of debt. XXXX XXXX XXXX responded to this request but failed to provide ANY documentation. We have a legal right to obtain such documentation. They have continually failed to submit accurate information ( in the case of the original alleged debtor name, XXXX XXXX, not XXXX XXXX ), have not obeyed the Fair Debt Collection Practices Act by failing to provide us with the documentation and proof of debt requested. This debt is not legal under Nebraska Law and they have failed to follow the law in regards to the information we have requested.
Consumer complaint received 2023-03-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against RASH CURTIS & ASSOCIAT for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RASH CURTIS & ASSOCIAT, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RASH CURTIS & ASSOCIAT, continues its collection efforts, I will file for litigation for actual damages caused and RASH CURTIS & ASSOCIAT, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required
Consumer complaint received 2023-01-24
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. (PR)

I have been writing to credit bureaus since : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX about some accounts that I do not recognize in my credit and they do not answer me and the accounts are still on credit. 
XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-11-26
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: University Lending Group, LLC (FL)

This letter is in regards to University Lending Groups servicing of a XXXX XXXX loan taken out on XXXX XX/XX/XXXX. Throughout the process there have been numerous delays in construction although we are nearing completion. The servicer of my loan has been a primary source of the delays from the start although there have been supply chain delays and XXXX related delays as well. I have had to take out multiple additional loans after the bank said they would allow a necessary changes but would not pay out once they were done. This resulted in several weeks of delay due to having to find a money source. The renovation originated to bring the home up to XXXX standards to meet my needs as I am a XXXX veteran. They are now saying that I will be in default at the end of this month although I have paid the mortgage consistently and have made every good faith effort to complete construction. They are not following the XXXX XXXX change in XXXX of XXXX allowing up to 15 months and, in rare cases, 18 months. The time-line problems and the servicers refusal to distribute the mortgage as needed have put my ownership of the home into jeopardy as I can not refinance for a new mortgage due to the loans I have had to take out as a result of them not distributing the funds. Finally, they are refusing to distribute funds for a generator that was an oversight. The wiring is set up for a home generator but was not noted on the plans. This generator is a medical necessity as I must have assisted breathing requiring constant electricity. How do I get the bank to comply with the XXXX XXXX guidelines and distribute the funds as I can barely afford the home at this point due to all of the loans I have taken out in addition to the mortgage? Additional details and medical documentation are available upon request. Please assist me in this matter. My information is as follows : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I opened a BJ 's MasterCard in XXXX of 2022. I used it for gas at BJ 's XXXX. I went to make a payment and you could not make a payment through the website, it kept saying " Page not found ''. When I finally made the payment it must have been after their time limit for the date it was due, and the next month I received a late charge. I paid that even though I didn't think I should have cuz it was not my fault, but I paid it along with a note saying I wanted to close the charge and it was written on XX/XX/2022. In XXXX I got a bill for {$55.00} on that closed BJ 's MasterCard. Without my approval, they charged a {$55.00} charge to renew my BJ 's membership which I was not going to renew, to my credit card that had been canceled XXXX months prior to that date. Now apparently my credit score went down about 70 points and although they have credited to a XXXX balance on the BJ 's credit card, it's still affected my credit. My question is, how could a company be allowed to charge on a closed charge account without the owner 's permission. I called the credit bureau, XXXX XXXX, and they said it just takes time for my credit to go back up. Is there anything you can do to stop this company, comenity Bank from doing this to other people.
Consumer complaint received 2021-11-26
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. (MA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.