davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
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. (VA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and the letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

XXXX Account Number : XXXX {$150.00} XXXX XXXX Account Number : XXXX {$2400.00} XXXX Account Number : XXXX {$230.00} XXXX XXXX Account Number : XXXX {$1300.00} YOUR CREDIT Account Number : XXXX {$950.00}
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (HI)

XXXX XXXX XXXX XXXX representing Syncrony Bank for Amazon Store Card last for digit XXXX Account was charged off on XX/XX/2016, due to illness in the family of XXXX XXXX XXXX XXXX, the account holder chose life over debts and became the care giver for the XXXX patient. The account went into default, there were no communication from XXXX XXXX XXXX XXXX written or verbal, its been 6 years and they scout my profile in different ways, got my last job and try to garnishee, which was XXXX XXXX XXXX, and during the filing from XXXXXXXX XXXX to XXXX XXXX XXXX XXXX they went through Legal and garnishee my Checking and Savings of what little I have of a total combined of {$400.00}. 

What happen to the statutory law in Hawaii of 6 years. 

Now I'm broke.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Hello I have always made my payment early But this company took my early payment and added it to the balance and not the monthly payment and so on XXXX and my next payment was on XX/XX/2023 and the sent me a late payment notice and charged me a late fee. They told me the I made the payment to early and so it's credit my account for that and they took off the late fee but will still note it as a late payment to the credit company and it will go against my credit score as a late payment but never told me I couldn't make a early payment but now they want me to pay for their mistake and I don't feel that should be penalize for their account mistake. The company info is care credit. Company. And not I have to make a double payment to catch up my account. And I think that's a bad way to do business when they got their money early. So I guess making early payment as I was trying to be a good customer thank you for your time
Consumer complaint received 2022-11-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

I, applied for an Amerisave mortgage. While speaking with the lender I was told to out to put XXXX down to save my interest rate. I was never told or notified this is not refundable. Now the loan did not work out and they will not refund my XXXX.
Consumer complaint received 2023-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Duvera Billing Services, LLC (OR)

XX/XX/XXXX my XXXXXXXX XXXXXXXX XXXX that I purchased less than a year prior to date, had to get the catalytic converter replaced. I went to my mechanics to get the services done. When he told me the new auto repair finance company they were using I had no choice but to go with it. Im a single mom with a XXXX and only work XXXX a week. Ive been consistent with paying my biweekly payments of {$90.00}. While making these payments I was waiting for a check from XXXX ( where I purchased my vehicle ) to help compensate half the cost to repair my car. I finally get the check ( XX/XX/XXXX ) and I got on the loan website and it says I owe {$1500.00} The total cost to repair my car was {$1400.00}. And Ive already paid them about {$540.00} since getting the repairs done. I look at the interest rate and its a rate of 148.98 %.. I called the company to see if there was anything they could do to help me and I basically got a big XXXX from them and told me that they make sure theyre very clear about all the terms to the loan and that included sharing the interest rate. Theres absolutely NO way I will EVER be able to get this loan paid off, and I felt like I had no choice but to finance with them.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

Company sent me a letter dated XX/XX/XXXX regarding a medical debt owed to XXXX XXXXXXXX and giving me 30 days to dispute it. On XX/XX/XXXX, debt collector reported my debt to the credit bureau without giving me an opportunity to dispute the debt. Once I contacted the debt collector regarding the debt, they mentioned that the debt was from a procedure back in XXXX, XXXX without giving me any other information. Of course, I have no recollection of any owed debt to me from back in XXXX. Debt collector told me that they can not provide me with an itemized bill and instructed me to call my insurance company or primary doctor even through the original creditor was from XXXX XXXXXXXX. I explained that I will need to see some sort of bill from the actual original creditor to make sure my insurance did not just pay the bill but debt collector could not provide me with such proof.
Consumer complaint received 2023-06-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

My husband is 100 % permanent XXXX Veteran due to multiple XXXX and XXXX and a XXXX XXXX XXXX. Our lender was XXXX XXXX. We went to forbearance transitioned to loan modification- we received confirmation on our approved loan mod via call, email and mails, when the loan was sold to Mr Copper. We continuously receiving confirmation of our approved loan mod from Mr Cooper. I set up automatic payment with my bank but was returned. When I called MrCooper I was told " although it's approved we have to wait for the written doc that needed for my Husband and I to sign and notarized ''. Since then I called them almost every week and I get same response " to wait '' coz it says it their notes it has been sent ( it was XXXX of last year XXXX  ). Since then I have been calling them but never get anybody answer the call, calls put on hold for an hour and no one return my call ( I leave message to depart that offers voicemail ). We've been receiving 2 kinds of mails asking for us to pay in full the missed payment ( during forbearance ) and missing payments ( amount that was approved for loan mod ). Starting XXXX of this year, we've been receiving calls 2x a day but when we answer, the person on the other end drop the call. We know it's from MrCooper coz we tried to call them back but couldn't get hold of anybody. They want us start a new Loan Mod with the current APR more than double of our approved interest rate. MrCooper Customer service called me back and finally gave me the reason for the mess " XXXX forgot to send them " one document '' and they can't get hold of them ''. Because of it, they're penalizing me? we are living in a twighlight zone for a year now.
Consumer complaint received 2018-10-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I have a mortgage with PennyMac loan services. My actual valance is {$210000.00}, for 25 years for and my home value is {$310000.00}. I have a good payment history and it is my only loan with them. 
when I called them to cancel my PMI. they told me that it is not possible because it is for the life of my loan. 
Then they told me to avoid the PMI I have to refinance my loan, but what happen : they increase the percentage of my loan to 4 % to 4.78 %, and I have to pay my closing cost again for about {$5000.00} and {$450.00} for the new appraisal. and the new loan will be for about 30 years. 

What happened with them? I don't understand that the PMI will take out with no problems.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, I was charged by XXXX {$240.00} for a hotel reservation for XX/XX/XXXX. On XX/XX/XXXX, I was charged by the XXXX XXXX XXXX XXXX for {$240.00}. When I spoke with someone in the accounting department of that hotel, they said they had not received my payment to XXXX. XXXX has said for almost a month now that they are waiting for their Accounting department to get back to them with more info. As a result of waiting and due to the charge being in XXXX XXXX, I am unable to dispute this with my credit card company. Clearly this was a double charge as I had already paid XXXX far in advance for this hotel room.
Consumer complaint received 2023-06-30
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Consumer complaint received 2023-06-30
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am submitting this Complaint to bring to TransUnion 's immediate attention a serious discrepancy in the information that TransUnion have reported on my credit profile. It has come to my attention that TransUnion are currently reporting a DELETED account/information from other credit bureaus. I must remind TransUnion that as per the Fair Credit Reporting Act ( FCRA ), it is paramount that the information TransUnion report is 100 % accurate. Therefore, I demand that TransUnion IMMEDIATELY REMOVE this account from my credit report as soon as possible. It is evident that there has been a grave oversight on the part of TransUnion Credit Bureau. The fact that TransUnion are still reporting an account/information that has been deleted by other bureaus suggests a blatant violation of the FCRA regulations XXXX I can not stress enough the importance of maintaining accurate and up-to-date credit information, as it directly affects my financial well-being. The following items must be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; I expect TransUnion Credit Bureau XXXX XXXX this matter with utmost urgency and accuracy. It is TransUnion 's legal obligation to ensure that the information TransUnion report is accurate, complete, and free from errors. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is TransUnion 's responsibility to conduct a thorough investigation into the matter at hand.
Consumer complaint received 2017-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On  XXXX / XXXX /  XXXX  , I noticed my  Capital One ch ecking account was debited {$210.00}. I did not authorize this transaction. I began to research where this transaction  may h ave came from and I noticed it was credited to my mother 's checking account. I contacted my mother and she verbalized she did not make this transaction nor is she allowed to. I contacted  Capital One  customer service and spoken with a representative who instructed me to have my mother contact them because the transaction was made to her account due to her account being overdraft. The representative stated once my mother contacted them the transaction would be reversed. I, then, contacted my mother and contacted  Capital One  customer service with my mother on the other line. We provided a new representative with our information when she then provided us with different information from what the first representative stated. She stated  Capital One has the right to take from any account with my mo ther 's name attached in order to make her account positive. My mother and I verbalized to the representative that this have never happen during the longevity of our membership with  Capital One.  The representative became very irate and began to practically yell at us the right of  Capital One to take from  a account. The representative was quite rude to my mother when my mother pulled up her policy disclosure stating, " If we mistakenly credit your account for funds to which you are not the rightful owner, we  may  deduct funds from your account, even if this causes your account to be overdraft. We  may do so at any time and without prior notice to you. '' My mother is not the rightful owner of the funds  taken out of my account. The only reason her name was placed on my account because I was a minor when my father was ordered to pay for child support by the state of Louisiana. I am now  XXXX  years of age. I have had many minor discrepancies with  Capital One , yet this has become major.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.