davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
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. (FL)

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts XXXX XXXX XXXX  ( Account # ) : XXXXXXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX XXXX, XXXX XXXX  account number XXXX XXXX, XXXX XXXX account number XXXX XXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud ( 1099 OID ). By Law companies are supposed to send me the consumer a copy of the 1099A & 1099C from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Consumer complaint received 2023-08-09
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: Velocity Portfolio Group (PA)

XXXX XXXX- FOR XXXX  XXXX {$2200.00} Opened XXXX, FRAUD, MULTIPLE DATES DISPUTED, AND MULTIPLE CALLS TO BOTH COMPANIES XXXX XXXX-FOR XXXX XXXX OPENED XXXX {$1100.00} FRAUD DISPUTED MULTIPLE TIMES, CALLED MULTIPLE TIMES XXXX XXXX XXXX FOR XXXX - {$1100.00} XXXX XX/XX/XXXX FRAUD MULTIPLE DATES DISPUTED, MULTIPLE CALLS XXXX XXXX FRAUD ACCOUNT # XXXX XXXX  XXXX FRAUD ACCOUNT # 2 XXXX XXXX FOR XXXX XXXX, MULTIPLE ACCOUNTS ( 6 ) Fraud DISPUTED MULTIPLE TIMES, MULTIPLE CALLS XXXX  XXXX OPENED XX/XX/XXXX, FRAUD, MULTIPLE DISPUTES, MULTIPLE CALLS
Consumer complaint received 2022-04-18
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. (TX)

In XX/XX/XXXX, Experian gave my credit report to XXXX XXXX XXXX XXXX who did not have permissible permission. For 5 years, I have repeatedly requested the copy of the permissible permission used by XXXX and Experian. This led to a loan that I did not sign nor have possession of the vehicle. XXXX and Experian sent the attached undated and incomplete application as proof of permissible permission that was even completed after my credit report was pulled. I constantly requested the valid permission used by Experian who just passes the buck to XXXX and who then constantly replies - " At your request to conduct a reinvestigation, we contacted the data furnisher ( s ) or public record ( s ) vendors and asked them to verify the accuracy of the information with which you disagree. They responded and stated that the account is to remain as is. The result summary was sent to you on XX/XX/XXXX for review. ''
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My husband and I have a Capital One Auto loan, I am the primary holder and he is a co-signer on the loan. On XX/XX/XXXX he made his final car payment using the third-party system called, check-free pay. He was re-directed to it from his Capital One auto account where he entered in his Capital One account number and debit card information. This payment was for $ XXXXplus the fee using the third party service. Total equalling {$51.00}. We received the car title in the mail along with an overpayment check from Capital One on XX/XX/2021 in the amount of {$48.00}. Fast forward to XX/XX/XXXX when I checked my credit score and it said our capital One Auto account was in delinquency for 66 days in the amount of {$48.00}. I called Capital One to dispute the claim, and was told the payment after 7 days was insufficient due to either an issue with our bank, XXXX  or incorrect information. Although, the payment was fulfilled on our end and never returned to us. It was taken out of our account. I have statements to prove that. I also have proof of the overpayment check and the car title.
Consumer complaint received 2022-04-18
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. (IL)

Despite the several written requests that I had sent, there were no changes done on my credit report that I had previously disagreed with. This is unacceptable on my part since I am planning to take up a new credit soon and these items are hindering me from getting new credit. 

I have tried to dispute the late payments and I have not been successful. 

Account : XXXX XXXX XXXX  XXXX {$49000.00}
Consumer complaint received 2017-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CO)

I was told that when i switched phone carriers ( from XXXX to XXXX XXXX that I would be able to do this without paying the cancellation charge because XXXX assured me that they would pay it. I told them that i ca n't and wo n't switch unless they are able to pay the cancellation charge from XXXX. Months after i switched accounts XXXX was trying to collect XXXX which i told them XXXX would pay. XXXX told me that i was n't eligible for them to pay now months after they assured me that they would pay it. This caused a XXXX collection on my report and was extremely deceitful to get me to sign up. I do n't know what to do but i am preparing to take legal action against both. Thanks for your consideration in looking into this practice by these companies
Consumer complaint received 2022-04-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (WA)

On XX/XX/XXXX I filed an application with Pentagon Federal Credit for a VA TYPE II refinance. Penfed did not provide an opportunity to explain seasoning is not required for type II VA loans and that the applicant already met seasoning requirements if they could apply. Penfed also failed to provide a loan estimate within 72 hours from applying. Because the XXXX loan being refinanced closed in XXXX, the first payments where due more than 210 days prior on XX/XX/XXXX or the date of the application. Because the covid forbearance credit suppression did not stop until XX/XX/XXXX, Penfed assumed seasoning requirements could not be met for a government backed loan product that can not include seasoning. XXXX  delayed credit suppression protection removal due to an erroneous Escrow Analysis from XXXX when the Veteran was found permanent and totally XXXX. The Escrow Analysis was not resolved until XX/XX/XXXX.
Consumer complaint received 2022-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (NJ)

As of XXXX XXXX, There is a XXXX ( original creditor ) debt of {$5400.00} that has been continuously removed and then added onto my credit report time after time. The account has been found as fraudulent and removed. Then the company who bought the debt, SOURCE RECEIVABLES M, has removed and added the debt the same day numerous times. It has affected my credit score dropping it XXXX points every time this is done. I have disputed this with the company and the credit bureau. I want this debt removed permanently from my credit report as it is a fraudulent account affecting me.
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with the fair credit Act. The list of accounts below has VIOLATED my federally protected consumer rights to PRIVACY and CONFIDENTIALITY under 15 USC 1681. 

( 1 ) XXXX XXXX Account # XXXX, Has Violated my rights ( 2 ) XXXX XXXX Account # XXXX, Has Violated my rights ( 3 ) XXXX XXXX XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 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 instruction 15 U.S.C 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

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.
Consumer complaint received 2022-04-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

About XXXX months ago was my last complaint about this company. In that time the situation hasn't been resolved. The intentional delaying, threats and dirty tricks haven't stopped. I called them and they wanted the XXXX payment to even send the paperwork. That's fair i suppose. So it was payed. The re-modification documents finally arrived by first class mail after about 14 days. There was no reason they couldn't be emailed but whatever. I notarized them and sent them back by XXXX then the waiting game started. it took about 20 days before i was told by email to call in to discuss a problem. There is no reason why the so-called problem couldn't be told to me by email so i could address it immediately but again whatever. It took a week to get through to anyone. Calling there requires 30-40 minute hold times. Even if you have a direct number and extension it goes through a main line. When i finally spoke to someone they claimed the date couldn't be read so i had to send the documents again. One number in XXXX  was kind of dark because of the pen i was using so they rejected the documents. It is ridiculous and this is another delaying tactic. 
I sent the documents again and more waiting. After hearing nothing for weeks i called in and they claimed they were waiting for another payment. I don't believe and have never believed these people had good intentions or intended to honor the law or any of these agreements. Just like when they bought this account they delayed and played dirty tricks so they could seize my house and make big profit since everyone knows debt collectors pay pennies on the dollar on collection accounts. There needs to be an investigation into this company to see if they have defrauded or attempted to defraud others out of their property. When they originally received the agreement documents the payments were up to date but they dragged their feet to have an excuse to pull some more dirty tricks. I am XXXX XXXX XXXX and wanting to give this house to my son so he can enjoy it but this company is intent on making my life XXXX XXXX XXXXXXXX so they can ruthlessly steal from me and line their pockets. Because my family is here with me we are all living this nightmare. I have even more trouble because XXXX hackers stole my money out of my bank account and i haven't been able to get it back at this time. My son is reluctant to pay this debt for me unless he has assurances that his money will not be taken and they take my house anyway. The question i have is why wasn't the re-modification finalized after they had the payment and the documents 3 months ago. Why delay and then claim somehow this is my fault and im still defaulting on payments?
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed items on my credit report with wishes to have disputed items verified as debt. I was never sent a confirmation that the investigation was complete or any materials from debt collectors that showed account ownership.
Consumer complaint received 2022-04-18
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)

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. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX violated my rights. 
XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights 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 an 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/2022 two charges totaling {$1000.00} were fraudulently deducted from my checking account. The charges were not caught by any kind of automatic protection, even though I have never spent anywhere near that amount before. 

I immediately filed a police report, reported it to the bank, and cancelled the debit card. 

The bank, Truist, says the transactions appear to be authorized and will not refund them.
Consumer complaint received 2022-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc. (PA)

My mortgage has fallen below 78 % XXXX and SoFi continues to take mortgage insurance payments. 

XX/XX/XXXX : I emailed SoFi requesting that my XXXX be canceled since the XXXX had fallen below 80 %. 
XX/XX/XXXX : I received an email from SoFi outlining that I would need to receive an appraisal to remove the PMI, however, the company indicated the XXXX would automatically be dropped on XX/XX/XXXX as the mortgage would fall below 78 % XXXX. 
XX/XX/XXXX : I emailed SoFi requesting that my XXXX  be canceled since the mortgage had fallen below 78 % XXXX. 
XX/XX/XXXX : SoFi disbursed a mortgage insurance payment.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY (NY)

American Express ( https : //www.americanexpress.comXXXX/ ) denied my application to open a Savings account. They refused to provide a reason why and said they would email me. I'm still waiting! I've been a client of Amex since 1992 and have never been late paying my monthly statement. As a recent victim of ID fraud I have to know what factors are negatively impacting my ability to open an account with Amex- or any bank. I am not applying for a loan, I'm applying for a savings DEPOSIT account.
Consumer complaint received 2022-04-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Aqua Finance, Inc. (TX)

This company refuses to let us into a hardship program, all while violating our rights. 

Because of XXXX and the microchip shortage, I was forced to leave my position as it was costing me money to work. Throw in my grandmother is in hospice care. Which me and my wife do provide her money to pay for rent, and other services related to her needs as POA for her, its been a huge financial burden. 

Weve been trying for the past year and a half to get this handled with Aqua Finance, but they said we have to let our account go Delinquent before they would provide assistance. 

How is that going to help our situation? It will make exponentially worse in the long run, we asked for a Financial hardship, they said after reviewing our current income that we cant be helped. 

How can that be the case? Were struggling to pay for a WATER SOFTENER when my grandmothers meds are way more important then some scummy Finance company getting its money. 

They keep asking for detailed records of our Finances and other things that are well without the scope of normal. 

This is the only Finance company that has refused to help us, even XXXX XXXX was able to get my Apr reduced and a monthly payment that fit our needs. 

This company doesnt deserve to be in business when they could care less about destroying a familys financial situation over a water softener.
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (KY)

Certified mail was received on XX/XX/2022 requesting validation of the debt. They responded with statements instead of the signed document. This has happened twice now a bill is not valadation of debt. Community bank and XXXX XXXX