davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

XXXX Complaint with Capital One Bank for Illegal Fees and Interest. They responded to the complaint and they have credited the accounts for the fees, However, these are closed accounts and are never going to be reopened and the money needs to be sent to me in a check form from Capital One bank  so I have access to that money. That is my money that they charged to my accounts illegally. They did this on two of my accounts, Account ending in XXXX, Account ending in XXXX. I would like a check in the amount owed ; {$18.00} sent to my address, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. A check shouldve been sent To my residence regarding these fees, The accounts were already closed, in the right thing to do here wouldve been to mail me a check for that amount so I dont have to keep asking this company to do the right thing when thats the right thing when you owe someone money you send him a check for the amount that you owe them. If I dont get the money, then I will file a claim, Then I will ask for fees for that I have to spend money for, That means they will pay for the claim, My time, Interest fees, And I will ask for other damages if this is not rectified. In a small claims court I can do this Because this company is not following the rules and regulations of banking policy and procedures. I also also expect the account XXXX to be put on a payment plan of {$80.00} a month, I am offering more than I couldve paid before and this is what Im asking for. I want it on a payment plan for the duration of the account so that I can pay it off. Capital One did not stand transparent, on what actually took place. You can not deny a XXXXXXXX XXXX and XXXX XXXX XXXX XXXX and or family member, Programs they have rights and access to. The responsible thing is to allow me to pay the account off at an amount that I am able to pay off, Otherwise, I will take this matter to small claims as well. I will file paperwork. I will bring this attention to the judge. This has been going on for over a year. I am trying to do the right thing however this bank thinks that it can avoid policies, procedures and laws set up by the banking industry, And there are rights that XXXXXXXX XXXX and XXXX XXXX have that these banking industries can not deny it is illegal.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-05-30
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: AMERICAN EXPRESS COMPANY (NY)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-26
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC (DC)

Greetings I am reaching out because I recently received a notification that there has been a derogatory mark that has been included in my credit report by Reliant Capital. To start I have no direct or indirect knowledge or contract with this company for them to be attempting to collect an alleged debt. Additionally I did not receive a letter to dispute or deny this alleged debt which is a violation of the FDCPA. Another violation committed by Reliant Capital is the violation of 15 USC 1692c ( a ). This company did not have my prior consent to contact me, a federally protected consumer nor was there a judgement from a court of competent jurisdiction. As noted there has been an item added to my credit report meaning this company is in violation of 15 USC 1681b as there was no permissible purpose for the company to be reporting. Lastly if there is an arbitration agreement, there must be a meeting of the minds prior to any adverse actions being taken. I request that Reliant Capital be held liable for their unfair and deceptive practices and violations of federal law. Arbitration or filing suit will also be an option for me if no resolution is found.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello I had no knowledge of these accounts and did not approve or give permission to use my information for these fraudulent accounts its not fair that I had no clue at the time that these accounts was reported to my credit report
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (UT)

I had a borrower ask me to come over and notarize some loan modification documents for Mr. Cooper. The problem is that Mr. Cooper put the borrowers name that still alive on one line and then they put the estate of a deceased person on the other line and they put the Verbiage The, Estate of XXXX, XXXX XXXX in the notary certificate, and I cant have that verbiage in a notary certificate for three reasons. 1- I cant notarized in the state. I must notarize a persons signature. 2- the signature line was to be left blank so I cant notarize for a blank signature spot. 3- the person is deceased, and they still want all of this verbiage in the notary certificate, and it is wrong wrong wrong. I argued and argued with him and even talked to the Utah lieutenant governors office and had XXXX from the Utah lieutenant governors office. Talk to the supervisor at Mr. Cooper and they still just kept insisting that they wanted it done that way and refused to fix the documents. They said theyve had other notaries do this in the past and Im the only one who has had a problem with it. Probably because Im the only one that knows what theyre doing or isnt easily coerced into doing things that are wrong. 

So they admitted that they do it incorrectly all the time. 

I didnt get paid by the borrower or except for measley {$10.00} for wasting a half hour of my time. 

Please investigate Mr. Cooper as they dont seem to have any regard for the law.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion is reporting incorrect payment information for my mortgage with XXXX XXXX. They are reporting the entire XXXX as late when my mortgage was in a Covid forbearance. The months should be reporting as " current '', pursuant to the CARES Act section 4021 ( see policy attached. ) I disputed this error with Transunion through the XXXX XXXX XXXX on XXXX, XXXX. Transunion responded and conclude that after their investigation, the late payments have been updated to " current '' ( see letter from Transunion attached. ) I was sent an updated credit report reflecting these changes. XXXX months later the incorrect late mortgage payments were reinserted. Not only that, I was not made aware of this reinsertion pursuant to FCRA section 1681 ( see policy attached. ) As a result of not being aware of the reinsertion of the incorrect XXXX XXXX late payments, I gave my employer permission to review my Transunion credit report as part of criteria to be approved for a promotion I was eligible for. Needless to say, I was wrongfully denied my promotion as result of the XXXX XXXX payment errors. This is not only embarrassing but infuriates me! I was also denied an auto loan after my vehicle was totaled recently. 

Additionally, Transunion is reporting " N/A '' for XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX payments when these months should also be reporting as current because they were made on time. 

I have submitted a complaint with the Illinois States Attorney General 's office, CFPB, FTC and the Better Business Bureau today. If this matter is not resolved promptly my next and final step will be consulting with a consumer rights attorney and filing a a federal civil lawsuit. Transunion has caused me a great deal of undue emotional and financial distress. They have violated my consumer rights to the max with their stall tactics and willful noncompliance to the FCRA and FTC consumer policies.
Consumer complaint received 2019-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made a one time payment of {$100.00} using my debit card and thereafter the merchant processed two additional charges without my authorization. 

This caused two of my Capital One Accounts to become overdrawn. 

I disputed the charges with Capital One and phoned the merchant. The manager apologized, asked what card I wanted on file and debited the charges against my XXXX Credit Card Account. Additionally, as a goodwill gesture the manager issued an additional credit ( lifetime bucks ) to my merchant account. 

Today Capital One advised that my dispute was denied and that they would be debiting my account on XX/XX/19 for the charges. I phone Capital One and advised that I spoke with the company and provided the details of what occurred and that by debiting my Capital One account they would have paid the merchant twice. 

It is my belief that Capital One is not being thorough in its investigation and trying to make me perform their job.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX  is being reported on my credit reports that are not correct nor have I been notified of this delinquent debt. I have never been to court to confirm any paternity for any children. This account does not belong to me. I have contacted the company several times and no response
Consumer complaint received 2024-07-08
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, I am writing to formally request a thorough investigation into the inaccuracies present in my consumer credit report. Upon reviewing the document, I have identified several instances of potentially false, inaccurate, and non-compliant information that require immediate attention.

It is imperative that you understand the gravity of these discrepancies. Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the METRO 2 data fields. Any deviation from these standards is not only a violation of the law but also a breach of trust with consumers. 
I hereby dispute the following items listed in my credit report : - Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
- Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These alleged negative claims lack sufficient evidence to support their accuracy and compliance with legal guidelines. Therefore, I demand the expungement and deletion of all derogatory and adverse markings associated with these accounts. 
Furthermore, I insist on your compliance with the Fair Credit Reporting Act ( FCRA ) and METRO 2 reporting requirements. You are obligated to provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information.

Failure to do so within 30 days will result in legal action, including but not limited to filing a claim in federal court. 
I want to emphasize that my intention is not to dispute ownership or responsibility for these accounts. Rather, I seek transparency and accountability in the reporting process. If you are unable to substantiate the claims made in my credit report, I expect them to be promptly removed or updated to reflect accurate information. 
Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to this dispute. 
Sincerely,
Consumer complaint received 2024-05-23
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. (FL)

There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (SC)

Santander consumer reported incorrect payment dates, payment amounts, incorrect billing errors and had two separate third party repossession companies breach the peace on private property.This financial institution failed to protect my privacy and personal information. Non judicial Illegal repossession in XX/XX/2023 and then XX/XX/2023. Violations cited : 15 USC 1666 ( b ), 15 USC 1666 ( d ), 15 USC 1691, 15 USC 1692, 15 USC 1692b, 15 USC 1692c, 15 USC 1692d, 15 USC 1692e, 15 USC 1692f, Gramm-Leach-Bliley Act. XXXX XXXX Police department report number : XXXX.
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crescent City Credit Recovery, Inc. (LA)

Crescent City Credit has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2024-05-24
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. (MN)

I am writing to formally report that I am a victim of identity theft, which has resulted in several unauthorized activities appearing on my account with your company. I never opened this account or conducted any business with your organization.
Consumer complaint received 2024-05-24
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. (GA)

PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.
Consumer complaint received 2024-07-08
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. (PA)

I went over my credit report a few months back in XXXX and noticed a fraudulent account on my credit profile that is unfamiliar to me. I know nothing about this account and never given consent or authorization for this account. I called the original creditor and they could not verify the account nor send documentation validating this account or that I own this account.
Consumer complaint received 2024-05-24
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. (IL)

I'm writing to challenge the bankruptcy listed on my credit report. I have a letter from the court stating that this bankruptcy should not be reported. Also, the involvement of an unauthorized third party makes this situation even more ridiculous and worrying.
Consumer complaint received 2024-05-24
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)

According to FCRA 605B, you are required to delete any erroneous accounts from my credit report. This account has been incorrectly reported on my credit file, so it needs to be removed. I should receive {$1000.00} for each mistake on my credit file.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I consistently pay on time and am certain of my punctuality. However, I'm puzzled as to why this company is marking me as late in some months, which is incorrect. Under USC 1666b, billing errors must be corrected immediately.
Consumer complaint received 2024-05-23
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. (NY)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Employer - 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

On XX/XX/XXXX I suffered a complete loss of my property at XXXX XXXX XXXX XXXX XXXX, Ca. In XX/XX/XXXX my insurance company, XXXX XXXX, paid {$280000.00}, endorsed to me and my mortgage company, Roundpoint Mortgage. Of this amount, {$150000.00} XXXX is being held by Roundpoint Mortgage in a restricted escrow account. An additional check was received from XXXX and sent for endorsement to Roundpoint. I called today to discuss timelines for reimbursement, as Roundpoint is already holding an amount exceeding my loan obligation. During the call I learned that the restricted escrow account, which has contained {$150000.00} since XX/XX/XXXX is not an interest bearing account. During the time Roundpoint has held these funds, exceeding my mortgage balance, I have continued to be charged interest on my mortgage. Roundpoint states they are not required to pay interest to me, however, for the funds being held while I am rebuilding my home. It is my understanding that in California, where the property is located and where the mortgage was executed, it is required that money held mortgage escrow accounts must be accruing interest. Today I engaged in more than a half hour of debate with Roundpoint before they finally agreed to release the proceeds being held in excess of my mortgage, in the amount of {$64000.00}. Roundpoint, if doing business in California, should be held accountable for complying with California laws. I should receive interest, compounding from the day the funds were deposited in to this restricted escrow account. I may be reached at XXXX or XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.