davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
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 — Was not notified of investigation status or results
Company: United Revenue Corporation (TX)

On XX/XX/2019 I sent a certified letter to United Revenue Corp. requesting all data pertaining to my " alleged '' account.This was the first communication with them, the have not spoken to me or sent me any other communication prior to me sending them a debt validation letter ( which I did in response to them filling on my credit ).

They received it on XX/XX/2019. The Company responded with a letter which was dated XX/XX/XXXX, It arrived on XX/XX/XXXX.

Contained in this letter is no other information validating me other than my name, simply printing my name of a letter is not a debt validation.

Failing to provide required written notices, time frames, validations, among a litany of other violations are the trade mark of this organization. Below are the codes they have violated in my state. Cease now and expunge my record from your system or legal recourse will follow.

Sec. 392.202. ( b ) ( 1 ) ( 2 ), ( c ) ( 1 ) ( 2 ), ( d ) ( 1 ) ( 2 ) ( 3 ) ( Texas Finance Code ) Sec. 392.304. ( 4 ) ( 5 ) ( 8 ) Sec. 392.307. ( e ) ( 1 ), ( f ) Sec. 20.06. ( f ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( Business commerce code texas ).
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc. (TX)

A company called " XXXX '' has negligently and recklessely reported inaccurate information concerning my criminal background. They reported XXXX arrests that are both the subject of orders of non-disclosure. Another arrest in XXXX was also reported that has absoloutely nothing to do with me, but is instead the result of identity theft. 

I have already filed a Identity theft affidavit in connection with this arrest with the FTC. 

The potential employer was : XXXX... I was hired on the XXXX of XXXX. 
upon receiving the background findings, I was terminated and sent an adverse notice in my email inbox along with notice of termination. No '' Pre-adverse '' letter was ever issued to me. I was terminated on the XXXX of XXXX. 

Due to the reckless and careless behavior of XXXX, I suffered collateral damage that I feel I am entitled to recover from litigation.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

I recently opened a business account with Chase bank. I deposited three checks made out to my business in the past week. Chase has now frozen all funds in my account, placed holds on my deposits, and is saying they are fraud and trying to close my account without releasing all my funds from the checks. I am now out {$30000.00} and my customers and business partners are also out money while waiting for us to have the money to do jobs. Chase is saying they are unable to verify the checks due to not having a verified number in their system for one of them, and calling two numbers for the other two checks that dont exist for the business that wrote the checks. We have tried asking Chase to call the numbers for both of these business that are listed on XXXX, their website, and we have confirmed numbers for, and they refuse to call those numbers to verify the checks saying Its not verified in their systems. Chase has told us we can not do anything else about this, we will not have access to our money and the account will remain frozen.
Consumer complaint received 2019-12-09
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. (AL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be verified or removed immediately. 

Dept of Ed Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX US Bankrupt Court Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had the same low credit limit for almost three years now despite a perfect payment record and paying off my balance in full most of the time. One of the reasons for not increasing my limit to a reasonable level is that I use too much of my limit each month. However, with such a low limit, even using it just a little results in what looks like high usage. The fact that I pay off the balance in full virtually each month should indicate I can handle a modest increase in this limit.
Consumer complaint received 2019-12-09
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. (AL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a  litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be verified or removed immediately. 

Dept of Ed Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX   Account XXXX US Bankrupt Court Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: BMO Bank, N.A. (PA)

To whom this may Concern, My husband and I bought our RV XX/XX/XXXX from XXXX XXXX. The RV loan was financed through BMO, first payment due XXXX of XXXX. The regular monthly payment is {$840.00}, we sent a check of {$900.00}. I thought the extra XXXX would be automatically applied to my principal along with the principal amount from my regular payment. BMO applied the whole {$900.00} as interest only. I was told that it was all due as interest because the loan had been open for more than 31 days without a payment, but I paid the loan by the due date. 
The next monthly payment we paid {$1000.00}, a total of {$150.00} above our regular payment. BMO applied {$160.00} to principal and {$830.00} to interest, again trying to figure out why my regular monthly payment principal is only {$10.00}. BMO informed me they were charging me back interest owed, but I have never been late with a payment. 
The following month we paid {$1500.00}, a total of {$680.00} above our regular payment. They applied {$970.00} to the principal and {$550.00} to interest, this made more sense to me. 
The next few months when we paid only principal payments we were charged interest on principal payments. I have called many times to resolve the issues, no one seems to have answers for me. I have been told that they always charge more interest in the first 6 months even if it is a principal payment. We were told to send principal payments only through the mail. We tried that but it was still the same, they charged interest on my principal payment. The website is not user friendly so I could not specify that I wanted the extra monies to be applied to principal. 
The bottom-line totals for my monies paid to BMO for 6 months are as follows : Regular monthly payments for 6 months = {$5000.00} Applied as Interest = {$5000.00} Applied as principal = {$6.00} Extra principal monies applied to loan = {$3300.00} Total monies paid to BMO for 6  months = {$8400.00} We financed {$86000.00}, still owed {$82000.00} after 6 months of payments. 
The difference equals XXXX, we paid {$3300.00} above the total due for the 6 months. I do not understand why BMO did not apply any monies to the principal payment from my regular monthly payments. 
I did file a complaint to the XXXX XXXX XXXX, I noticed on XX/XX/XXXX BMO went into our account and made multiple reapplied transactions. The bottom-line numbers remained the same, numbers were just manipulated to try to make it appear that everything was fixed. I called again to inquire about it and again I was told that I owed back interest and I missed a payment? We did not miss any payments. I have a printout of my account before XX/XX/XXXX and a printout after XX/XX/XXXX to show what was done. 
My husband and I are asking for the proper adjustments to be made so the regular monthly principal and our principal only payments are applied properly to our account. 

Thank you for your time
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (VA)

XX/XX/2023 XXXX I reported the fraudulent charges first to the merchant. They verified that this was not my account but refused to resolve the matter. Then I reached out to their arbitration team and they did not respond to my message. Then I contacted my bank, Chime, to dispute the charges. They denied my request for a refund twice. So now I am escalating the issue.
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC (TX)

Im very close to having 80 % of my loan paid - so pmi can be removed. Flagstar says they dont have to remove pmi until a predetermined date. Ive asked what the amount is that I need to pay now. Flagstar bank says they have to submit this request and it will be 14-30 days before I get a response. She could not tell me what the course of action will be after the 30 days. 

I just want to pay enough of my loan to have pmi removed. There shouldnt be these hoops to prevent that from occurring. She said XXXX XXXX is the investor on my loan but she does not have a number I can call.
Consumer complaint received 2023-07-19
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: Exeter Finance, LLC. (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to 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 2023-07-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

Specialized Loan Servicing company Account Number : XXXX I make additional ( double payments {$460.00} ) each month since I have been making payments on this loan. The Specialized Loan Servicing company is placing my addition principal payments in Unapplied/Suspense and so I'm accruing addition interest when the additional principal payments should be reducing the principal and thus eliminating additional interest.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NJ)

See Complaint # XXXX. 
See Complaint # XXXX. 
It's going on XXXX months, and Comenity Capital Bank has failed to properly look into a dispute I put in over a {$100.00} fraudulent charge. They have not contacted the motel which falsely claims that I 'took towels. ' They have not asked them for any proof of this. Instead, Comenity Capital Bank has just apparently decided it's easier to side against me ( without any formal letter of explanation ), and has already contacted the credit agencies which have now wrecked my excellent credit record! 
This bank is horrible in the way it does business!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-06-30
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-12-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/XXXX I opened an investment account with USAA bank. It was by accident and my boyfriend at the time had just gave me an early birthday/Christmas gift and had deposited it into the account. I called the bank when I realized it wasn't a checking account I had opened it was an investment account. They advised me that they were gon na closed it and send me my check. Considering XXXX is a lot to just wait to come. I waited. Fast forward to XX/XX/XXXX when they told me that my check should be delivered to my home sometime in late XXXX and it had already been sent out. I called them about 4 or 5 time and they kept telling me that it was not in their control. I even had the guy whose account it came from who was my boyfriend/fiancee at the time call and he got so fed up with them he refused to give them any more information and just wanted our money back. They refused to give it to me after already lying to me and telling me it had already been sent out. Then excuse my language but they blantly XXXX  and mind XXXX me into believing I was getting what was rightfully mine and my husbands back. And I still wait like an XXXX for {$4000.00} to be given back to us that they easily kept trying to tell me he reported it... as he sat next to be. As shocked as I was at how ridiculous these XXXX  sound. Trying to explain to me how they were WAITING for my funds to be reported as fraud. Keyword .... Waiting.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a VICTIM of off base/strange/invalid/obsolete as well as conceivably even false deception. This condemning of the mis-announcing/ mis-information affidavit is to declare my direction that you, as regulated, produce physically counters fer federal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception of INACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus my utilzation of this controlled Identity Victim 's Complaint and Affidavit
Consumer complaint received 2019-07-12
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. (MO)

Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX   however Equifax has not removed this from my report. I have contacted the bureau to fix this issue but was unsuccessful. This negative reporting is harming my credit score. This line item needs to be removed from my credit report.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (PA)

Prior to XX/XX/2019 this Account was never reported as a derogatory account. I made a payment in full XX/XX/2019 trying to obtain a Mortage I was notified best action would be to pay the {$510.00} owed on this account! After payment and 30 day cycle of credit this account shows up derogatory in a charge off status in which dropped my credit score substantially in XXXX! As of XX/XX/2019 Ive received another drop of 92 point via XXXX  and 36 points via XXXX. This account debt has been paid in full since XX/XX/2019! As of XX/XX/2019 its reporting as charge off/ collection after payment to XXXX  XXXX . As of XX/XX/2019 its reporting charged off to XXXX. As Of XX/XX/XXXX this account is reporting closed paid off balance updated XX/XX/2019 to XXXX! As you can see the inconsistency listed above the effects on my financial future is due to wrong reporting practices! Please correct!!!