davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-15
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-03-25
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

In XX/XX/XXXX, I agreed to co-sign for my son 's USAA Consumer Lending auto loan. My son, being in XXXX and myself in XXXX XXXX he was apparently allowed to e-sign for me but I did receive a call from USAA to secure my identity and ensure my consent as co-signer. 
In XXXX, USAA consumer lending allowed my son to refinance this loan without my knowledge or consent. I was unaware of this for several months and have made numerous attempts to have myself removed from this loan without success to include a letter from my attorney on XX/XX/XXXX requesting proof pursuant to the ESIGN and XXXX acts as well as state law. I confirmed this letter was on file on XX/XX/XXXX and was being investigated by the consumer lending fraud department to whom I 've never been able to speak and been dropped from the call to consumer lending after being on hold for lengthy periods. Recently I 've discovered that there is no consumer lending fraud department, just a fraud department. I 've been given several reasons USAA consumer lending department insist I 'm co-signer on the loan legitimately such as : We sent you an e-mail and you did n't reply with objections, you agreed to do business electronically and receive documents electronically. Your son gave us the last XXXX digits of your SSN ( further questioning of requirements in this phone conversation, USAA consumer lending said I had to be in the same room where my son e-signed. I was in XXXX and he was in XXXX. 
I the mean time I 've received derogatory information on my credit report and a threatening letter from USAA. I have been with USAA for almost 30 years and always received fair and respectful treatment, until now. Only the consumer lending department, quite a few representatives, have lied or misinformed me.
Consumer complaint received 2016-09-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Progressive Financial Services, Inc. (LA)

Progressive financial has not contacted me in anyway to discuss a collection on my credit report. I have not received any mail or phone calls from this company. I do not have a contract with Progressive financial and they continue to place a negative report on my credit reports.
Consumer complaint received 2016-02-08
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GATEWAY FIRST BANK (AL)

My mortgage company does not have proper documentation of my previous mortgage, and the Termination Statement according to UCC 9-513 was never recorded in my county 's registars office. I refinanced with the same lender and now the old mortgage doument has vanished. Then my security on the Note was sold, without notifing me, nor filed according to the regulation. My current mortgage is insured with a title insurance company, with makes the selling of the Security Insurment invalid. The current investor avertisement states, " We only pool uninsured VA/ FHA loans. '' This is fradulent activity and I would like the return of all principle, interest, per diam, and security interest returned to me, and my Note that was sold without my knowledge. Revocation of the power-of-attorney is waranted.
Consumer complaint received 2022-02-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (CA)

I took out a personal loan back in XX/XX/2019 amount given to me directly was {$5000.00} when I applied for this loan I was not aware of their hidden high interest fees plus this company added insurance to the loan. It has been 3 years now paying every month {$210.00} and until todays date still paying for it. I have made a research about this company and all I have heard there is a lawsuit against them and I want to be part of that lawsuit agains them. How can you help me they are really taking advantage of consumers. I have called them to speak with someone about it and all they tell me is to keep paying but I just cant be giving them more free money for their high interest fees. I am not happy with it. Please help
Consumer complaint received 2016-12-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MD)

We used to have my mortgage loan with XXXX XXXX mortgaga but around XXXX, our mortgage was transferred to loan care based in XXXX ; Virginia. On XXXX/XXXX/16, they sent us an escrow analysis indicating that I had a shortage of XXXX. The problem is that they could not explain where the shortage was coming from. I still pay close to what I have been paying in the past. My XXXX went down so too did my XXXX My monthly mortgage payment has gone up from XXXX to XXXX showing an increment of about {$260.00}. They paid out XXXX for my XXXX bill ; that was understood but the shortage still could n't be justified. They continued to refer us to our previous mortgage company for any explanation. 

Also, we were late making our XXXX payment and so we paid it around XXXX XXXX but they reported to the credit bureau that we were late for XXXX instead of the previous month ; XXXX. We paid twice in XXXX. 

The decreases in our XXXX and XXXX is still not reflected in the total amount that we pay every month.
Consumer complaint received 2016-07-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

I have been making additional principal payments on my mortgage. I send XXXX separate checks each month, because I do n't trust them. I noticed on my statement that instead of crediting me {$300.00}, they credited {$290.00}. I called them and asked about it. They noticed it on the previous month as well. They refused to accept copies of bank statements and insisted that I go to my bank and get check copies, front and back. I am sure they hoped I would just drop it. I am sure they are during this to many, if not all of their customers, which could total into XXXX dollars over time, which is why I am continuing to pursue this.
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Rewards — 
Company: BBVA FINANCIAL CORPORATION (MN)

I opened a credit card account with BBVA Compass on XXXX XXXX, XXXX. I was offered a promotion to open the account, which was XXXX bonus points for net purchases of {$1000.00} over the first 90 days. The promotion was for opening a BBVA Compass XXXX XXXX XXXX card. I went over the {$1000.00} mark in spending on XXXX XXXX, XXXX, according to my records and confirmed by a BBVA Compass customer support representative. I was told that it might take 30-45 days to post these bonus points to my account. I have worked with BBVA Compass to resolve this matter on several occasions, including four attempts in XXXX XXXX, two of them by phone and twice by secure message at their website. I called one more time on XXXX XXXX, XXXX to request the points be posted as it had been more than 45 days. However, as of today my account still has not had the points credited. These points are equal to {$200.00} in a statement credit and this promotion was a significant factor in my decision to open the account. I would like BBVA Compass to honor our agreement. BBVA Compass has acknowledged that these points are due to me but has not been able to post them to my account.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please verify if this is XXXX percent accurate coz I'm seeing inconsistent information across other bureaus such as date last activity XXXX XXXX XXXX Account Number : XXXX Please conduct a reasonable inve $ XXXX, and DELETE if inaccurate, incomplete or unverified.
Consumer complaint received 2015-06-03
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (NY)

I request your kind attention on my below mentioned case and please reply and let me know how can I proceed further so as to approve my application for Refinance : Quote : Since ( around ) 6 or 7 years I have a Mortgage Loan for my Primary home at XXXX, New York with TD Bank and the interest rate is 6.9 % which is very high, hence I try to Refinance the same loan, hence, I submitted application for Refinance the said loan at the same TD Bank, and upon run my credit history by TD Bank they got my highest credit score is XXXX, however, TD Bank declined my refinance application, the reason they said " '' the problem is debt with income ratio '' '' '' ''. 
FYI : as per 2014 my tax return documents my income is {$74000.00} and debt is around {$54000.00} plus I have liquid cash of {$100000.00} in my XXXX Fund Account ( like XXXX ) plus cash value of around {$70000.00} available from my whole Life insurance coverage from XXXX and XXXX XXXX XXXX XXXX which I showed in my application also TD Bank did n't ask me the Tax return documents or any related documentsand without seeing the required documents from my side HOW THEY DECLINED MY REFINANCE APPLICATION? 
From the above, I strongly doubt that the TD Bank declined my application because now I pay interest of 7 % to TD Bank and if they refinance now the rate must have reduced to around 4 % that will be the lose for TD Bank and that may be the reason to decline my application to refinance. FYI : Am a XXXX RETIRED employee with having the income of Pension and XXXX too and so far with very diffcult and without any default I am paying my monthly mortgage payment regularly without interrruption. therefore, please hlep in the subject matter so as to approve my refinance application. 
In view of the above, please let me know how to proceed further so as to get refinance. 
Expecting your valuable advise soonSincereXXXX XXXX
Consumer complaint received 2015-11-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OK)

Carrington Mortgage Services LLC consistently processes my payments incorrectly. I always pay additional principal and it is always processed as an additional regular payment. I was instructed to mail my payments to a different address so that this would no longer happen. I have mailed two payments to the new address and the payments are still processed incorrectly. This has occurred approximately 8 times in the last 2 years.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans Union credit reports has new personnel across the ocean that lies, doesn't do what there company objective is and doesn't do proper investigation even if it is right in front of their hardly speaking XXXX selves. 
XXXX. XXXX XXXX on XXXX put Hard Inquirey on my credit report even though there was a credit freeze. 
XXXX. I called Transunion up and hardly could understand American credit reporting agencies personnel that valiantly lied then hung up phone. I called back and told them it would be impossible to out inquire in file because it has been frozen year 's. Then they demanded police report but police laughed when I called them and told them indians from XXXX hung phone up and demanded police report for hard inquiry that should have been impossible to out on. Finally I demanded fcra investigation section 609 and 611. Of course they didn't know what fcra was? XXXX should be embarrassed to have XXXX representing them. They are bottom feeders. I want this hard inquiry off or the step by step investigation that is federal and state law.
Consumer complaint received 2017-01-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

On XXXX XXXX, I observed that a collection debt was placed on my credit report by a Portfolio Recovery Associates. Never received any communication from this company nor did I have any idea what this debt was. Had to call XXXX credit bureau to even find out that it was Portfolio Recovery supposidely attempting to collect on behalf of XXXX. My ex-wife received a call yesterday requesting me to call back a number regarding a " final attempt by XXXX to deliver me some important documentations. '' I called back the number and got XXXX minutes of hold music but nobody ever answered.
Consumer complaint received 2022-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (GA)

I have been contacted by resurgent capital on multiple occasions to collect an Alledged debt owed. On XX/XX/XXXX, I sent an email ( to a monitored email account ) requesting they cease all communications regarding this alleged debt. I the received further communications via email attempting to collect on XX/XX/XXXX, XX/XX/XXXX, and XXXX ( all XXXX ). I then received two letters in the mail from them attempting to collect, dated XX/XX/XXXX.
Consumer complaint received 2022-08-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022, I sent a letter to XXXX to investigate accounts that are being reported inaccurately on my report. I received a letter from them dated XX/XX/2022 stating that they take my privacy seriously and I needed to send proof of identity ; which I did on XX/XX/2022 and gave them the 15 days to complete the investigation. I then received another letter from them dated XX/XX/2022 stating the same thing, requesting proof of identity AFTER I provided it to them. On XX/XX/2022, I sent them a letter and provided them with the requested documents and gave them 15 days to complete the investigation. And as of XX/XX/2022, they still have not responded and they continued to report this inaccurate information on my report. 
I demand that they delete this inaccurate account on my report immediately. 

XXXX XXXX XXXX  Account No : XXXX Reported Balance : {$890.00}
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

About 6 years ago I called Capital one credit cards. I was having financial issues. Explained to them I needed help. Capital one helped me with the hardship program. I then gave them my routing number and checking account number. A payment of {$50.00} a month was taken from my account. I gave them permission to do that. The payment went out for years, timely, never late. Then on XXXX/XXXX/2015 I received a phone call from a debt collection agency. stating my payment was late. I looked into the matter. Capital one stopped taking payment on XXXX/XXXX/2015 with no notification and sent the account to collections. It was told to me by the collection agency that capital one did that because the account was n't going anywhere and they considered it a loss. I called Capital one to find out what was going on. They are looking into it. I have copies of all the payments. That where never late. Capital one decided to stop taking the payment and did not call me or mail me any communication. as of now the payment is 60 days late. Which I tried to pay but capital one wont take it. This was their decision to stop the payments not me. This is very wrong. My credit report will reflect this and is was n't my doing. Please help
Consumer complaint received 2017-03-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

EX SPOUSE WAS ABLE TO OBTAIN A LOAN IN THE AMOUNT OF XXXX ORIGINALY ASKED FOR XXXX. WAS SPOUSE AT THE TIME OF THIS LOAN. I WAS NOT AWARE OF THIS LOAN. FOUND OUT AFTER WE SEPERATED IN 2014. SHE WAS ABLE TO DO THIS ALL OVER THE COMPUTER. HER AS THE PRIMARY AND ME AS THE CO/ BORROWER. HOW IS A BANK ABLE TO DO THIS WITH OUT PROPER AUTHORIZATION. AND IT WAS DONE USING MY ALIAS. WHICH I NEVER DO ON LEGAL BINDING THINGS THAT REQUIRE AN ID, I DID NOT Authorize, or take out this loan. HOPE YOU CAN HELP.
Consumer complaint received 2015-06-16
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

On XX/XX/XXXX, my father, a physically XXXX XXXX year old man with XXXX to his private residence by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX. XXXX denied payment for this service, although they had covered XXXX on several prior occasions. 

On XX/XX/XXXX, we appealed the XXXX decision. On XX/XX/XXXX XXXX denied our appeal, but determined that XXXX XXXX XXXX XXXX was responsible for the charges. In the meantime, XXXX XXXX XXXX XXXX had referred this account to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX. I informed all parties of the XXXX decision and that my father was not responsible for the charges. 

XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX contacted me and asked me to file a XXXX appeal as their client, XXXX XXXX XXXX XXXX, could not. This was a lie ; XXXX has since informed me that XXXX XXXX XXXX XXXX could have filed *and possibly did file XXXX their own appeal. Certainly, XXXX XXXX was aware of this. Not knowing this and assuming XXXX XXXX was being honest, I filed a XXXX appeal with XXXX on XX/XX/XXXX. While awaiting the results of the XXXX appeal, XXXX XXXX XXXX XXXX sent my father a letter threatening to take him to court. 

XXXX informed us in a letter XX/XX/XXXX, that not only were they denying the appeal, but they reversed their earlier decision and my father is now liable for the charges. I had no idea that the appeal could result in a worse decision, although I am quite certain that XXXX XXXX, as a collections professional, did. XXXX says we should not have filed the XXXX appeal and that our only option is to either pay or go before an administrative law judge. 

I believe XXXX XXXX knowingly gave me false information and took advantage of my willingness to help to get me to file a XXXX appeal. This is highly unethical behavior. Preying on XXXX and their families must be the most despicable behavior possible.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2016-04-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Continental Credit Control (CA)

Continental Credit CTR is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.
Consumer complaint received 2021-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My loan servicing was sold and I was not notified by either company. I tried every option to contact the company, LOANCARE. I had set up an online payment at the beginning of the month and when it didnt deduct from my account, I logged into online acct. to find that the loan had been " paid '' with {$0.00} balance but no more info. I called to figure it out and was sent in to a prerecorded loop that never led to a human or answering system. 

I checked my mail at my previous address and current home, without success, to locate the documents for who it was transferred to. It has been over 2weeks and I still havent been notified by either company.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent a 2 requests CERTIFIED to both XXXX  and Transunion XX/XX/2020 and XX/XX/2020 to investigate the negative accounts on my credit report and they have yet to respond. I attached the notice of delivered. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they didn't complete their investigation
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (IL)

I am writing this comment on behalf of my mother who is seeking service from Chase Bank. Her husband passed away in early XXXX, 2021. Since his Chase credit card is frozen, she needs to apply for a new credit card to pay her bills. Chase Bank sent a letter to her on XX/XX/2021, with a direction for her to contact the credit reporting agency, XXXX XXXX, to allow Chase Bank to access her credit report. Then, call Chase Bank once she contacted XXXX XXXX within 14 days of the date of this letter. 
On XX/XX/2021, after XXXX XXXX was contacted, I help her to contact Chase Bank via the phone number and reference number provided on the letter because of the language barrier as she speaks XXXX. It was about XXXX XXXX. We made 3 attempts over an hour of our time but failed to talk to a representative with the direction prescribed by Chase. This phone line has no language option, only in English. They put us on a long hold uninformed. Another representative left us on hold for 35 minutes insisted to find a XXXX-speaking representative without even asking my mother which XXXX language she speaks ( XXXX ). 
The lack of Chase Bank representatives to assist customers because of a language barrier failed to provide a fair opportunity of credit card application to my mother. It is absolutely unacceptable from a big bank like Chase. Additionally, they misspelled her first name.