davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you and all credit agencies, XXXX transunion, XXXX XXXX XXXX, etc. as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. these debt collectors failure to verify this account is trespass on right to privacy and to contract. Under the FDCPA, 15 USC 6802 unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right. 
I require the following accounts be verified or removed immediately XXXX Ref # XXXX XXXX Ref  # XXXX
Consumer complaint received 2021-02-01
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: JPMORGAN CHASE & CO. (NY)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. JPMCB - AUTO FINANCE, Inquiry : XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2021-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (LA)

I have been trying to get an accurate count of my payments toward the PSLF and the TEPSLF eligibility for my DIRECT SUB CONSOLIDATION LOAN and DIRECT UNSUB CONSOLIDATION LN disbursed on XX/XX/XXXX. FedLoan servicing has changed my number of payments eligible for TEPSLF from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. They have listed 55 payments between XX/XX/XXXX and XX/XX/XXXX as ineligible due not having been received within 15 days of the due date. This is incorrect. I have been trying to get this fixed since XX/XX/XXXX but have not been able to resolve it with FedLoan servicing. Every time I call they say it's under review.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (CA)

This account IQ Data International is reporting inaccurate information on my credit report which is a violation of the FDCPA and also FCRA. Ive sent in validation letters on XX/XX/XXXX in which I receiver no response from them and also have documentation with the tracking number showing it was receive on XX/XX/XXXX. Theyre also reporting inaccurate DATE OF LAST ACTIVITY as XX/XX/XXXX in which it has been ILLEGALLY Re-aged and in violation. I have made no payments towards this account none this year and it should not reflect XX/XX/XXXX. Ive disputed this account twice with XXXX on XX/XX/XXXX & XX/XX/XXXX which it came back as verified but yet on my credit report it doesnt show that the account was even verified which is in violation with the FCRA of which I may collect up to {$1000.00} per violation which I intend on doing so unless settled. This account has shows that the account balance is higher than the actual HIGH BALANCE which is indeed inaccurate information. The debt company can not add any fees towards an account purchased from the original creditor, it may only collect what was originally owed which this is violation
Consumer complaint received 2021-02-01
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. (NJ)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I settled several accounts that was sent to collection. I informed these creditors that my spouse open this account without my knowing however, I was willing to settle with them if they can remove and delete derogatory records from my credit report. They said yes and promised to send me a letter in the mail. The letter never came in the mail and my settlement payments were made. I hope to start XXXX school in 6 months and need private loan to fund my education. Please I needs these derogatory records from my credit report in good faith. I completely paid the amount they agreed on and I was looking forward for a second chance.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Technology Federal Credit Union (CA)

Date of Fraudulent Transaction on my Bank Account : XX/XX/year> Company : XXXX, XXXX XXXX XXXX XXXX XXXX Phone : XXXX Unauthorized amount pulled from my Bank Account : {$84.00} I notified my bank as soon as I received a call from their security department.

Sent a dispute notification to the bank. They just responded that they could not accept my dispute. So, I called XXXX and they had no record of the charge.

I want my bank First Tech to credit my account as this is a fraudulent charge. 
I never authorized it.
Consumer complaint received 2021-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I have successfully completed the trial payments during the FHA loan modification, this is post bankruptcy modification. I successfully submitted my notorized documents, all were verified. My payments have been consistent & not late. The company is failing to disclose the exact details on a ledger of where the funds were derived & where the funds are going as payment. The dates of a ledger do not match up to the dates of insurance or taxes. The dates even demonstrate duplicate transactions without any plus or minus in the columns or with a balance to figure or calculate. I was recently billed additional amount that was not listed in the documents signed prior to modification or in the execution of the new claim or mortgage. This fee fails to carry any invoice to disclose its nature or reason. That is a consumer violation also. My executed documents have not been delivered to my address. The agreement contract allows me the owner to have copies of the filed documents. The XXXX County recorder stated Carrington submitted electronic filing XX/XX/2020 but I the homeowner do not have the promised copies to this executed modification. Please look into this matter. It is also a consumer law violation. Thank you.
Consumer complaint received 2021-02-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name and birthdate was wrong for maybe twenty years and it affected my scores for all those years and transUnion refused To investigate it. TransUnions credit scores have always been 40 - 50 points below the other credit scoring agencies. The wrong information for all those years is one reason why. XXXX doesnt do anything to investigate and for that reason TransUnion does nothing to correct their mistakes. All the three credit scoring agencies discriminate openly because there isnt government regulation or investigation. These credit scores have held XXXX down forever and with President Biden pledging to stop this and leveling the chances for all. Credit scores are the number one reason people of XXXX are kept from getting things XXXX in the same situation have. Since the trump administration changed the culture from when Obama led the cfpb and helped cunsumers to the present when nothing is done. The Credit Agencies should be run by the federal government because of the affect it has on peoples lives. We know nothing about who are running these agencies and it is on purpose. I am sure this will not be publicized or acted on but I will send this complaint again if I dont hear any response, when the president has time to put others on this agency who will not allow any agency to discriminated
Consumer complaint received 2021-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have recently challenged all 3 credit reports to the burden of proof dhow burden of proof by mail. This collector has failed to reach me under proper fcra Guidelines under law of the fcra they failed to respond backwich means that can no longer report any account, HOWEVER THEY CHOOSE TO TRY TO LIE TO ME BY SIMPLY STATING AT THE END OF MY DISPUTE IT IS ACCURATE ... ..WELL I WANTED PHYSICAL PROOF XXXX  AS WELL I WANT MAX PENALTY FOR THIS ID NOT REMOVED IMMEDIATELY. Also each account on my report is only being verified because the reporting data from Transunion is fraudulent and off. They have dropped this only on 1 report correctly which was XXXX. Please explain to XXXX  AND TRANSUNION THE SAME RESULTS. for misuse of my report i will be seeking the max possible in court. It is unlawful to report inaccurate data with my reports all 3 are inaccurate and im being abused of my fcra rights.
Consumer complaint received 2021-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

OnXX/XX/XXXX I ordered a copy of my credit report & seen a WALMART CREDIT CARD/CAPITAL ONE BANK/XXXX XXXX on my account from XX/XX/XXXX in the amount of XXXX $ I have no clue how this account was created in my name. The debt was placed in collections the number attached is XXXX. The collection was opened on XX/XX/XXXX. IN XX/XX/XXXX I PLACED A FRAUD ALERT ON MY REPORT WITH THE 3 CREDIT AGENCIES. I WOULD LIKE THIS ACCOUNT REMOVED FROM MY REPORT ASAP!!
Consumer complaint received 2021-01-31
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. XXXX XXXX XXXX # XXXX the dates wereXXXX XXXX, MyXXXXXXXX XXXXXXXX XXXX XXXX # XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.
Consumer complaint received 2021-02-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Flandreau Santee Sioux Tribe (IL)

On XX/XX/XXXX I took out a loan with 605 lending which is owned by fsst management services for XXXX dollars ..This loan is an illegal loan in the state of Illinois per the Illinois payday loan act which states a loan company must be licensed in the state of Illinois which this company is not therefore making this loan illegal ..Per Illinois state law a loan company can charge a maximum of 99 percent interest annually and this loan company charges 720 annual interest therefore making this an illegal unenforceable loan per the Illinois payday loan act ..to date I have paid XXXX Dollars which is the principal on the loan ..would like this loan to be settled for the XXXX already paid and no further contact with company ..
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (OK)

I recently closed on a house, XX/XX/XXXX. The initial escrow estimation related to property tax prior to closing was incorrect. I requested a correction and receive this correspondence from their system on XX/XX/XXXX : " Hi XXXX, Youre getting this email because something changed on your loan estimate. Dont worry, this is a normal part of the process, but we sent this automatically so you know whats going on. 
In particular, these sections updated : Initial escrow payment Prepaids You dont need to do anything now. But when youre ready to review, just look at your most recent loan estimate. Its available 24/7. " The figure they originally used was {$4500.00}. The documented property tax is {$2100.00} and the figure they used for the XX/XX/XXXX email. ( Retrieved from XXXX XXXX XXXX, last name XXXX, tax year XXXX. ) However, at closing, the {$4500.00} was used. I decided not to delay closing knowing that we could adjust the escrow after closing. Now they refuse to correct the escrow. They say the property tax is " undervalued '' even though they have evidence of the correct property tax amount. Per your regulations, they are not allowed to do this. The escrow collections have to be based on the actual or expected annual disbursements. 

The mortgage company is Better Mortgage. I would like this resolved. They refuse to follow consumer guidelines.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi Bank closed my account without any notice. Had to go to the bank and they said they couldnt do anything until I got the letter, I waited to get the letter which said to call a number to be able to receive my money. The costumer service said I could go directly to my bank to get my money, went to the bank AGIAN and they told me I had to call them to get my ban lifted. I tried doing that and the woman on the line said she couldnt do anything and she hung up on me. Now they want me to wait 30 to 60 days to get my money.
Consumer complaint received 2024-10-19
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: Experian Information Solutions Inc. ()

Dear Experian, I am writing to formally dispute several inquiries listed on my credit report that occurred as a result of my recent car dealership application. I understand that one inquiry is necessary to process my credit application ; however, multiple inquiries from various lenders were made within a short period, which I did not authorize. 

The inquiries in question occurred on XX/XX/year> and were initiated by several car dealerships in connection with the auto loan application process. These inquiries include the following lenders or financial institutions : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXONSUMER PORTFOLIO I kindly request that you investigate these inquiries, as I believe they were not properly authorized under the Fair Credit Reporting Act ( FCRA ). Please remove any duplicate or unauthorized inquiries from my credit report. 

I have enclosed a copy of my credit report highlighting the disputed inquiries for your reference. I also included a copy of my identification to verify my identity. 

Thank you for your attention to this matter, and I look forward to your prompt response. If you need any further information, please contact me.
Consumer complaint received 2021-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

This is an update to complaint # XXXX In XX/XX/XXXX XXXX paid {$13000.00} towards my mortgage principal. ( See document ). The ENTIRE balance at the time was XXXX. 

In accordance with the loan agreement the mortgage NOTE was satisfied but the bank has refused to mark the loan paid in full and have added an additional {$9000.00} to the principal. 
Here is what the contract states. 

Unless the law says otherwise, ALL payments received shall be applied as follows First to any prepayments due under the NOTE Second to any TAXES AND INSURANCE THIRDLY TO INTEREST DUE FOURTH TO PRINCIPAL LAST TO ANY LATE CHARGE Atlantic was instructed on XXXX to pay mortgage note OFF IN FULL MOREOVER, THE FOLLOWING DISCREPANCIES WERE FOUND : Issues with XX/XX/XXXX statement 1. In XXXX, XXXX, XXXX, BILLING STATEMENTS were generated on the XXXX of each monthAFTER a late fee can be accessed and/or generated but XXXX bill was generated on XXXX. 

2. They are reporting on the 1098 to IRS that only {$1800.00} of interest had been assessed but the billing statements contradict. 

3. XXXX. XXXX and XXXX BILLING statements clearly show all actual payments and/or TRANSACTIONS. For example : payments to principal in the amounts of {$5000.00}. {$2500.00} are clearly shown on XXXX & XXXX statements. AND THE billing statements HAVE BEEN GENERATED ON THE XXXX of the month. BUT XXXX statement for XXXX has been generated on the XXXX and does NOT show the {$13000.00} transaction. It is showing a principal pay down of {$2200.00} and a regular payment. When in all actuality, the entire loan was paid in full in the amount of {$11000.00} on XXXX as per what is being reported to the IRS ON THE 1098. 

4. Clearly, something is off with Atlantic Union bank reporting on both their billing statements and their IRS accounting. 

PLEASE NOTE LOAN BALANCE that Atlantic Union Bank REPORTED ON Form XXXX TO THE IRS ON XX/XX/XXXX and COMPARE THIS DOCUMENT WITH THE XX/XX/XXXX billing statement. ( See ( attchbilling ) document dated. XXXX HOW TO RESOLVE? 

An audit of the banks books are warranted A deed marked paid in full sent to me A refund of all monies owed and fines assessed
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (IL)

Hello, I made a purchase with Home Depot for Fencing material. When I made the purchase there was a promotion for 6 months zero financing. It took me over 4 months to receive all the material for the fencing. I spoke to the representative at the store and they informed me it would not be a problem with them extending the special. Well, I have found out that is not the case and they are not able to extend the financing special another six months as promised. Additionally, the initial order was canceled because they were unable to fulfil. They credited my account all fees but the XXXX delivery fee. I have been fighting since XXXX of last year for my refund
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (IL)

I received an alert from XXXX XXXX that I had a collection on my credit report from Phoenix Financial for an emergency room medical bill from XXXX XXXX XXXX XXXX on XX/XX/. I was on XXXX ( public aid ) at the time. I always verify that my hospital visits are pulled up before seeing a doctor, no matter how horrible the pain is. The hospital I visited is XXXX XXXX. I contacted Phoenix Financial the moment I received the alert & notified them that I was with Next Level effectiveXX/XX/XXXX. It is illegal for the debt to be made the responsibility of a patient with XXXX. I total cost of the services were {$660.00}. This is not my responsibility.
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have a CapitalOne credit card that I have had since XXXX. I make my payments on time every month, as I am enrolled in autopay. I don't check on my account much, as i have never had any issues or troubles with it. I don't use the card anymore, just trying to pay the balance down. Well, my husband was notified that his credit card payments were past due. We called and were told we were unenrolled in autopay and it must be an issue with the bank. We called the bank, no issue. So, we re-enrolled in autopay and had to pay late fees. I then thought about how i have a credit card with them too, so i called and i was 2 months past due also unenrolled from my autopay. They told me that i didn't call or go online to do this, so they were trying to figure this out. This phone call happened XX/XX/XXXX, and they advised me to call back when my husband was around so that we could get this figured out, since he had a similar situation. So i called back XX/XX/XXXX and went through numerous people trying to find out why this happened. They finally told me that they unenrolled me, because my address changed. ( I moved to a new house, same town, same zipcode, and still own the house at my old address ) not sure why that would cause an issue. They said it was part of their terms and if i had an issue to take it up with the credit bureau. I paid my balance contacted all credit bureaus, but they could do nothing. Just updated my account balance, etc. So i am reaching out as i have two hits on a previously good credit score for something that i did not do. Capital One should be held responsible for this con, and shouldn't be allowed to tamper with someone's autopay. I am appalled. I would like my credit report cleaned up, as I DID NOT TURN OFF AUTOPAY.
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Emerald AR Systems, LLC (AZ)

Emerald AR Systems is harassing me. New items appear on all ( 3 ) of my credit reports and they are items which have been paid / and or included in my Bankruptcy. The original companies are : XXXX XXXX and XXXX, and XXXX XXXX. 
Emerald AR Systems is conducting FRAUD by trying to collect on already paid invoices. I received the latest Invoice which was dated : XX/XX/XXXX for ( 3 ) items with service dates of : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all XXXX XXXX which were included on my XXXX Bankruptcy. They even addressed it to XXXX XXXX which that has not been my last name for over 12 years. I continue to be harassed with daily phone calls, and even though I have disputed with ( 3 ) major Credit Reporting Agencies, Emerald will state they are accurate or they will rename the same invoice and change the date. FRAUD